JP7113153B1 - Information processing method - Google Patents

Abstract

An object of the present invention is to determine a consideration for customer referral accompanying the provision of a privilege. A payment processing apparatus 1 sets a user ID of a user, a store ID of a store that gives a privilege when the user purchases a product, and privilege information indicating details of the privilege, which are different from those of the user and the store. A registration unit 131 that accepts from a third party, associates a user ID, a store ID, and privilege information with each other and stores them in the storage unit 12; A request receiving unit 132 and a payment information receiving unit 134 for receiving payment information corresponding to the purchase of a product, and a payment is made based on the received user ID and payment information, and associated with the received user ID and store ID. On the condition that the privilege information is stored, the privilege indicated by the privilege information is granted to the user indicated by the received user ID, and the payment amount to be paid to the third party is determined according to the privilege being granted. and a settlement processing unit 135 that [Selection drawing] Fig. 2

Description

The present invention relates to an information processing method.

Conventionally, when a company employee purchases products at a member store, which is a store where the product can be purchased with a predetermined payment service, a service that grants benefits to the employee based on the benefit funds contributed by the company. is known (see Patent Documents 1 and 2, for example).

JP 2019-79107 A Japanese Patent No. 6986644

In the conventional technology, although there is an effect of attracting customers to affiliated stores by giving benefits, there is a problem that consideration is not taken into account for the customer referral.

Accordingly, the present invention has been made in view of these points, and an object of the present invention is to provide determination of consideration for referrals associated with granting of benefits.

An information processing method according to a first aspect of the present invention comprises: user identification information for identifying a user; a storage unit that receives identification information and privilege information indicating details of the privilege from a third party different from the user and the store, and associates the user identification information, the store identification information, and the privilege information with each other; and receiving the user identification information, the store identification information, and the payment information corresponding to the purchase of the product at the store by the user from the store terminal or the user terminal used by the user. making a payment based on the received user identification information and payment information; and storing the privilege information in the storage unit in association with the received user identification information and the store identification information. a step of granting a privilege indicated by the privilege information to the user indicated by the received user identification information, and determining a payment amount to be paid to the third party in accordance with the grant of the privilege, on the condition that and a step.

The payment information may include a payment amount, and in the step of determining the payment amount, the computer may determine the payment amount based on the payment amount included in the payment information.

The payment information includes a payment amount, and the privilege is a discount of a predetermined discount amount for the payment amount, a refund of a predetermined refund amount to the user after the payment, or a payment available to the user. points, and in the step of determining the payment amount, the computer may determine the payment amount based on the discount amount, the refund amount, or the monetary value indicated by the points.

In the step of storing the privilege information in the storage unit, the computer causes the storage unit to store the privilege information in association with third party identification information that identifies the third party, and the information processing method comprises: identifying third party identification information stored in the storage unit in association with privilege information indicating a privilege given to the user, executed by the computer; transferring the determined payment amount to the person.

The payment information includes a payment amount, and the information processing method is the subtraction of the payment amount determined from the payment amount before the privilege is granted to the user, which is executed by the computer. The method may further include transferring a store receipt amount to the store, which is an amount specified based on the post amount.
In the step of remittance to the store, the computer may calculate an amount obtained by deducting a settlement fee from the amount after deduction as the amount received at the store.

In the step of storing the privilege information in the storage unit, the computer causes the storage unit to store the privilege information in association with third party identification information that identifies the third party, and the information processing method comprises: , identifying third party identification information stored in the storage unit in association with privilege information indicating a privilege granted to the user, executed by the computer, and identifying the third party indicated by the identified third party identification information may further include the step of charging an amount corresponding to the privilege.

In the step of storing the privilege information in the storage unit, the computer causes the storage unit to store the privilege information in association with third party identification information that identifies the third party, and the information processing method comprises: , identifying third party identification information stored in the storage unit in association with privilege information indicating a privilege granted to the user, executed by the computer, and identifying the third party indicated by the identified third party identification information may further include a step of notifying that the privilege has been granted to the user.

In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the shop identification information, and the privilege information from a business operator who manages the privilege as a third party. good too.

In the step of storing the privilege information in the storage unit, the computer may receive the privilege information from the business operator who obtains funds for the privilege from an employer who employs the user.

In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the shop identification information, and the privilege information from an employer who employs the user as the third party. may

In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the shop identification information, and the privilege information from the municipality where the user as the third party resides. good too.

In the step of granting the privilege, the computer further grants, to the user indicated by the received user identification information, a privilege different from the privilege indicated by the privilege information associated with the received user identification information. You may

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability to determine the consideration with respect to the customer referral accompanying the provision of a privilege.

It is a figure which shows the outline of a payment system. It is a figure which shows the functional structure of a payment processing apparatus. It is a figure which shows an example of privilege management information. 3 is a diagram showing a functional configuration of a user terminal; FIG. It is a figure which shows the function structure of a store terminal. FIG. 4 is an operation sequence diagram of the settlement system; FIG. 7 is an operation sequence diagram following FIG. 6; FIG. 4 is an operation sequence diagram of a settlement system compatible with code settlement of the MPM system; FIG. 9 is an operation sequence diagram following FIG. 8;

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of a settlement system S. As shown in FIG. When a user purchases a product or service at a store, the settlement system S performs settlement in response to receiving a settlement request from a user terminal 2 owned by the user or a store terminal 3 used by the store, and sends the payment to the user. It is a system that provides benefits.

The payment system S includes a payment processing device 1 as an information processing device, a user terminal 2 , a store terminal 3 and a third party terminal 4 . The settlement processing device 1 is a server that settles the purchase price. The user terminal 2 is an information terminal used by a user, such as a smart phone, tablet, or personal computer. The store terminal 3 is, for example, a POS terminal.

The third party terminal 4 is an information terminal used by a third party different from the user of the user terminal 2 and the store operator (including a parent company that has a capital relationship with the store operator). A personal computer. A third party is, for example, a business operator who manages the privilege. In this embodiment, it is assumed that the business operator managing the privilege acquires the resource for the privilege from the employer who employs the user.

Hereinafter, the flow until settlement is completed will be described with reference to FIG. In the following description, goods or services are collectively referred to as goods. First, the third party operates the third party terminal 4 in order to register in the payment processing device 1 privilege information indicating the privileges that the user can use at the store, and uses the third party ID to identify the third party. An ID, a shop ID for identifying the shop, a user ID for identifying the user of the user terminal 2, and privilege information indicating a privilege are transmitted to the payment processing device 1 ((1) in FIG. 1).

The user ID is, for example, an ID given to the user by a settlement operator that provides settlement services related to the settlement processing apparatus 1 . The third party ID and the store ID are, for example, IDs given to the third party and the store by the settlement company. The payment processing apparatus 1 associates and stores the third party ID, the store ID, the user ID, and the privilege information received from the third party terminal 4 ((2) in FIG. 1).

A user purchases a product at a store. The payment processing device 1 receives from at least one of the user terminal 2 and the store terminal 3, the user ID of the user, the store ID of the store, and the payment related to the purchase of the product at the user's store from at least one of the user terminal 2 and the store terminal 3, corresponding to a predetermined settlement method. information ((3) in FIG. 1).

The predetermined payment method is, for example, a payment method using a code. Payment methods using codes include a CPM (Consumer Presented Mode) payment method and an MPM (Merchant Presented Mode) payment method. The CPM method is a method in which a payment code such as a two-dimensional bar code is displayed on the user terminal 2, and payment is made when the payment code is read by the store. The MPM system is a system in which a payment code is presented at a store, and payment is made in response to the payment code being read by the user. In the following description, a payment method using a code is referred to as code payment.

Upon receiving the user ID, the shop ID, and the payment information, the payment processing apparatus 1 performs payment based on the received user ID, shop ID, and payment information ((4) in FIG. 1). In addition, the payment processing apparatus 1 gives the user a privilege indicated by the privilege information on the condition that the privilege information is stored in association with the received user ID and store ID ((5 in FIG. 1). )).

The payment processing apparatus 1 determines the payment amount to be paid to the third party according to the award of the privilege to the user ((6) in FIG. 1). The payment amount paid to the third party is, for example, consideration for the user's customer referral to the store. By operating the payment system S as described above, the payment processing apparatus 1 can determine the consideration for the customer referral associated with the provision of the privilege.

Details of the configurations of the payment processing apparatus 1, the user terminal 2, and the store terminal 3 will be described below. It is assumed that the predetermined payment method is the code payment of the CPM method.

[Functional Configuration of Payment Processing Device 1]
FIG. 2 is a diagram showing the functional configuration of the payment processing apparatus 1. As shown in FIG. The payment processing device 1 has a communication unit 11 , a storage unit 12 and a control unit 13 .
The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium that stores various data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores programs executed by the control unit 13 . The storage unit 12 stores a payment program that causes the control unit 13 to function as a registration unit 131 , a request reception unit 132 , a token transmission unit 133 , a payment information reception unit 134 , and a payment processing unit 135 .

The storage unit 12 also stores privilege management information for managing privileges. FIG. 3 is a diagram showing an example of privilege management information. As shown in FIG. 3, the privilege management information includes a third party ID, a store ID, a user ID, a privilege ID for identifying a privilege, privilege information indicating the privilege, a privilege provision condition, and a privilege total amount. and the total grant amount.

The privilege information includes the content of the privilege and the explanation of the privilege. The privilege indicated by the content of the privilege is, for example, a discount of a predetermined discount amount for the settlement amount corresponding to the settlement at the store, a refund of a predetermined refund amount to the user after the settlement, or points that the user can use at the store. be. The privilege granting condition is, for example, not to exceed the expiration date of the privilege, but is not limited to this. The privilege granting conditions may include other conditions such as a settlement amount being equal to or greater than a predetermined amount. The total benefit amount is information indicating the total monetary value corresponding to benefits that can be provided by a third party. is.

The given total amount is information indicating the total monetary value corresponding to one or more privileges given to the user. The total grant amount may be collectively set for a plurality of users. In the example shown in FIG. 3, it can be confirmed that users with a plurality of user IDs including user IDs "U0010", "U0110", and "U0210" are associated with one given total amount.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 functions as a registration unit 131, a request reception unit 132, a token transmission unit 133, a payment information reception unit 134, and a payment processing unit 135 by executing the payment program stored in the storage unit 12. . Details of the operation of each unit of the control unit 13 will be described later.

[Functional Configuration of User Terminal 2]
FIG. 4 is a diagram showing the functional configuration of the user terminal 2. As shown in FIG. The user terminal 2 has an operation unit 21 , a communication unit 22 , a display unit 23 , a storage unit 24 and a control unit 25 . The control unit 25 has an operation reception unit 251 , a request transmission unit 252 , a code generation unit 253 and a display control unit 254 .

The operation unit 21 is an operation device that receives user operations, and is, for example, a touch panel provided on the surface of the display unit 23 . The operation unit 21 notifies the operation reception unit 251 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting/receiving data to/from a base station of a mobile phone network. The communication unit 22 inputs the payment token and the like received from the payment processing apparatus 1 to the code generation unit 253 . A payment token is a data string used to generate a payment code in code payment.

In addition, the communication unit 22 inputs store information corresponding to stores at which the user can use the privilege received from the payment processing apparatus 1 and privilege information to the display control unit 254 . Store information is, for example, a store name.
The display unit 23 is a display that displays various information. The display unit 23 displays the payment code under the control of the code generation unit 253 .

The storage unit 24 is a storage medium including ROM, RAM, and the like. The storage unit 24 stores programs executed by the control unit 25 . The storage unit 24 stores a program that causes the control unit 25 to function as an operation reception unit 251 , a request transmission unit 252 , a code generation unit 253 and a display control unit 254 . The storage unit 24 also stores a payment token received from the payment processing apparatus 1, a payment code generated based on the payment token, and the like.

The control unit 25 is, for example, a CPU, and functions as an operation reception unit 251 , a request transmission unit 252 , a code generation unit 253 and a display control unit 254 by executing programs stored in the storage unit 24 .

The operation reception unit 251 identifies the content of the user's operation based on the signal input from the operation unit 21 . If the identified operation content is an operation for displaying the payment code on the user terminal 2, the operation reception unit 251 notifies the request transmission unit 252 of the operation content. The request transmission unit 252 transmits the user ID and a payment code issuance request to the payment processing apparatus 1 via the communication unit 22 .

When the payment token is transmitted from the payment processing apparatus 1, the code generation unit 253 generates a payment code based on the payment token. The code generator 253 generates a payment code based on, for example, a predetermined rule. The code generation unit 253 causes the display unit 23 to display the generated payment code.

When the display control unit 254 receives the store information corresponding to the store where the user can use the privilege and the privilege information from the payment processing device 1, the display control unit 254 causes the display unit 23 to display the store information and the privilege information in association with each other. . When the display control unit 254 receives the payment completion information indicating that the payment has been completed from the payment processing apparatus 1, the display control unit 254 causes the display unit 23 to display the payment completion information.

[Function Configuration of Store Terminal 3]
FIG. 5 is a diagram showing the functional configuration of the store terminal 3. As shown in FIG. The store terminal 3 has an operation unit 31 , a reading unit 32 , a communication unit 33 , a display unit 34 , a storage unit 35 and a control unit 36 .

The operation unit 31 is an operation device that receives user operations, and includes, for example, buttons for the user to select products to purchase, and a touch panel provided on the surface of the display unit 34 .
The reading unit 32 is, for example, a barcode reader and a camera, and reads barcodes attached to products purchased by the user and settlement codes displayed by the user terminal 2 . The reading unit 32 outputs information indicated by the read bar code and payment code to the control unit 36 .

The communication unit 33 is a communication interface for transmitting and receiving data to and from the payment processing apparatus 1, for example. The communication unit 33 transmits a payment request including a payment token and payment information to the payment processing apparatus 1 under the control of the control unit 36 .
The display unit 34 is a display that displays various information. The display unit 34 displays, for example, the settlement amount.

The storage unit 35 is a storage medium including ROM, RAM, and the like. The storage unit 35 stores programs executed by the control unit 36 . The storage unit 35 stores a program that causes the control unit 36 to function as a payment information generation unit 361 , a token acquisition unit 362 , and a payment information transmission unit 363 . The storage unit 35 also stores a product DB that associates product IDs with product prices.

The control unit 36 is, for example, a CPU, and functions as a payment information generation unit 361 , a token acquisition unit 362 , and a payment information transmission unit 363 by executing programs stored in the storage unit 35 .

The payment information generation unit 361 identifies one or more products for payment and generates payment information. Specifically, the payment information generation unit 361 acquires the product ID input by the sales clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, thereby obtaining the acquired product ID. product is identified as the product for payment. The payment information generation unit 361 refers to the product DB stored in the storage unit 35 and identifies the price of the product associated with the acquired product ID. The payment information generation unit 361 acquires one or more product IDs input by the store clerk at the operation unit 31 or product IDs read from the barcodes attached to the products by the reading unit 32, and determines the price of the product specified from the product ID. Aggregate When the operation unit 31 receives a settlement operation, the settlement information generation unit 361 determines the total price of the product as the settlement amount.

The payment information generation unit 361 generates payment information including the determined payment amount, the read product ID, the shop ID for identifying the shop, and payment time information indicating the current time as the payment time. Here, the payment time information is not limited to the current time, and may be, for example, time information indicating the time when the payment code was read.

The token acquisition unit 362 acquires information extracted from the payment code displayed on the user terminal 2 by the reading unit 32 as a payment token.
When the payment information generation unit 361 generates payment information and the token acquisition unit 362 acquires the payment token, the payment information transmission unit 363 transmits the payment token and the payment information via the communication unit 33. A payment request is sent to the payment processing device 1 .

[Operation of each part of the control part 13]
Next, the operation of each section of the control section 13 will be described.
The registration unit 131 identifies the user ID from the third party terminal 4 used by the privilege management business operator who manages the privilege as a third party, and the store that grants the privilege when the user purchases the product. A store ID for doing so and privilege information indicating the content of the privilege are accepted. The registration unit 131 causes the storage unit 12 to store the received user ID, store ID, and privilege information in association with each other.

When registering the privilege information in the payment processing device 1, the privilege management business operator receives privilege granting conditions, store ID, total privilege amount, and privilege information from the user's employer or the local government where the user resides. , and a second user ID for identifying a plurality of users. The second user ID is, for example, identification information uniquely given to the user by the user's employer or the municipality where the user resides. The privilege management company links the second user ID and the user ID. For example, the privilege management business associates the user ID and the second user ID by accepting a request for cooperation between the user ID corresponding to the user and the second user ID from each of the plurality of users. A cooperation application may be made using the user terminal 2 .

After the privilege information has been prepared by the privilege management company, the registration unit 131 accepts the third party ID and password as authentication information from the third party terminal 4 to authenticate the third party. . A third party ID and a password are stored in advance in the storage unit 12 in association with each other. If so, it is determined that the third party has been successfully authenticated. When the registration unit 131 determines that the authentication has succeeded, the user ID linked with the second user ID, the store ID, privilege information, privilege provision conditions, and the total privilege amount are transmitted from the third party terminal 4. accept. Upon receiving the privilege information, the registration unit 131 generates a privilege ID corresponding to the privilege information. The registration unit 131 associates the third party ID, the user ID, the store ID, the privilege ID, privilege information, the privilege provision condition, and the total privilege amount, and stores them in the storage unit 12 as privilege management information.

The registration unit 131 may receive privilege information corresponding to each of a plurality of stores. For example, the registration unit 131 accepts one user ID, a plurality of store IDs, and privilege information corresponding to the stores indicated by the plurality of store IDs, so that one user can receive the information for each of the plurality of stores. Different privilege information may be accepted.

Further, the registration unit 131 may receive privilege information individually for each of a plurality of users, or may accept common privilege information for a plurality of users from the third party terminal 4 . Further, the registration unit 131 may receive, from the third party terminal 4, an update of the privilege information associated with the user and an update of the total privilege amount. For example, the registration unit 131 may receive an update of the privilege information according to the length of service when the sponsor of the privilege is the user's employer.

Further, the registration unit 131 may cause the storage unit 12 to store the privilege management information on condition that the user has a predetermined relationship with an employer or a local government affiliated with a third party. In this case, the registration unit 131 causes the storage unit 12 to store the privilege management information on the condition that, for example, certification information that certifies the relationship between the user and the employer or local government is received from the third party terminal 4 .

If the third party affiliation is the employer employing the user, the certification information is an employee certificate or employment contract that certifies the employment relationship between the user and the employer. Further, when the third party's partner is a municipality and the user is a resident of the municipality, the proof information is the user's certificate of residence. Further, when a third party partner is a provider of a predetermined service and the user is a member of the service, the certification information is a member registration certificate, an ID issued to the member, or other cards. Further, if the registration unit 131 does not recognize the relationship between the user and the partner of the third party based on the certification information received from the third party terminal 4, the registration unit 131 does not allow the storage unit 12 to store the privilege management information. can be A case where a relationship between a third party partner and a user is not recognized based on the certification information is, for example, a case where the user name included in the certification information and the user name corresponding to the user ID do not match. or that the expiration date included in the certification information has expired.

The request receiving unit 132 receives from the user terminal 2 the user ID of the user of the user terminal 2 and a payment code issue request for the user to pay at the store.
When the request receiving unit 132 receives a payment code issue request, the token sending unit 133 sends to the user terminal 2 a payment token for generating a payment code corresponding to the user ID received together with the issue request. . Specifically, first, the token transmission unit 133 generates a payment token when the request reception unit 132 receives a payment code issuance request. Subsequently, the token transmission unit 133 associates the user ID received by the request reception unit 132 with the generated payment token and causes the storage unit 12 to store them. The token transmission unit 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request.

Here, upon receiving the user ID and the payment code issuance request from the user terminal 2, the token transmission unit 133 corresponds to the store indicated by the store ID associated with the received user ID in the privilege management information. You may notify the user terminal 2 of the store information which carries out and the privilege information linked|related with the said user ID. The shop information is information for the user to specify the shop, such as the shop name and the shop address. By doing so, the user of the user terminal 2 can confirm whether or not the privilege will be granted at the store where the purchase is made by the user at the time of payment.

Alternatively, the store ID, store information, and store location information indicating the location of the store may be stored in the storage unit 12 in advance. Then, the token transmission unit 133 receives terminal position information indicating the position of the user terminal 2 from the user terminal 2, and stores shop information corresponding to shops located within a predetermined range from the position of the user terminal 2 indicated by the terminal position information. and privilege information corresponding to the store may be notified to the user terminal 2 . Also, the timing of notification to the user terminal 2 is not limited to the timing of receiving the payment code issuance request, and may be the timing when the user makes a store information acquisition request. By doing so, the user of the user terminal 2 can check the stores near him/her to which the privilege is given.

The payment information receiving unit 134 receives the payment token extracted from the payment code from the store terminal 3 that reads the payment code displayed by the user terminal 2 based on the payment token transmitted by the token transmission unit 133. , and the payment request including the store ID and the payment information corresponding to the payment related to the purchase of the product at the user's store.

If the payment token included in the received payment request is stored in the storage unit 12, the payment processing unit 135 associates the store ID and the payment information included in the received payment request with the payment token and stores them in the storage unit 12. Payment is made based on the user ID received from the user terminal 2 and stored in the . The payment processing unit 135 stores the user ID stored in association with the payment token included in the received payment request and the privilege information in the storage unit 12 in association with the store ID included in the received payment request. The privilege indicated by the privilege information is granted to the user indicated by the user ID on the condition that the privilege information is provided. The payment processing unit 135 grants the privilege to the user without receiving privilege information from the user terminal 2 from the time when the payment code issuance request is received until the time when the payment token is received.

Specifically, first, when the payment information receiving unit 134 receives a payment request, the payment processing unit 135 determines whether a payment token that matches the payment token included in the payment request is stored in the storage unit 12. determine whether or not When the payment processing unit 135 determines that the matching payment token is stored in the storage unit 12, the payment processing unit 135 identifies the user ID stored in the storage unit 12 in association with the payment token.

Subsequently, the payment processing unit 135 determines whether privilege information is associated with the specified user ID and the store ID received from the store terminal 3 in the privilege management information stored in the storage unit 12. . When determining that the user ID and the privilege information are stored, the settlement processing unit 135 determines whether or not the privilege granting condition associated with the privilege information is satisfied. In addition, the payment processing unit 135 calculates the total grant amount given to at least one of a plurality of users indicated by one or more user IDs associated with the privilege information from the total privilege amount associated with the privilege information. It is determined whether or not the remaining amount, which is the deducted monetary value, is greater than zero. When the settlement processing unit 135 determines that the privilege granting condition is satisfied and the remaining amount obtained by subtracting the granted total amount from the privilege total amount is larger than 0, it decides to grant the privilege indicated by the privilege information to the user.

Note that the payment processing unit 135 sets the condition for granting the privilege indicated by the privilege information to the user that the remaining amount obtained by subtracting the total award amount from the total privilege associated with the privilege information is greater than 0. Not exclusively. The payment processing unit 135 may set the condition that the remaining amount obtained by subtracting the total amount of benefits associated with the privilege information from the total amount of benefits to be provided is larger than the monetary value corresponding to the privilege indicated by the privilege information as a condition for granting the privilege to the user. good.

Further, when the payment processing unit 135 determines that the privilege information stored in the privilege management information stored in the storage unit 12 is stored in association with the specified user ID and the store ID received from the store terminal 3, A third party ID associated with the privilege information is identified, and it is determined whether or not valid certification information that certifies the relationship between the third party ID and the user ID is stored in the storage unit 12. may Then, the payment processing unit 135 gives the privilege indicated by the privilege information to the user when the valid certification information is stored in the storage unit 12, and the valid certification information is not stored in the storage unit 12. In this case, the privilege indicated by the privilege information may not be given to the user. If valid proof information is not stored in the storage unit 12 and the privilege indicated by the privilege information is not given to the user, the payment processing unit 135 notifies the user terminal 2 of the reason why the privilege is not given. good too.

When the payment processing unit 135 determines to give the user the privilege indicated by the privilege information, the payment processing unit 135 discounts the payment amount included in the payment information based on the privilege content indicated by the privilege information, and obtains the user ID. Execute the process of debiting from the account of the user specified by . In addition, the settlement processing unit 135 updates the total grant amount corresponding to the privilege granted to the user. For example, the settlement processing unit 135 updates the total grant amount by adding the monetary value corresponding to the benefit indicated by the benefit information to the total grant amount associated with the benefit information.

Note that the payment processing unit 135 may give a privilege when the payment is completed when the privilege is a point or a refund of a predetermined refund amount. In addition, the payment processing unit 135 informs the user indicated by the user ID stored in the storage unit 12 in association with the payment token that the privilege other than the privilege indicated by the privilege information associated with the user ID in the privilege management information is different. may be further granted. In this case, the other privilege is a privilege provided by the payment business operator that provides the payment service related to the payment processing device 1 . As a result, the user is provided with benefits corresponding to the settlement company and benefits corresponding to the third party. By doing so, the payment processing apparatus 1 can enhance the effect of sending customers to the store to which the privilege is given.

The settlement processing unit 135 charges the third party indicated by the third party ID associated with the privilege information indicating the privilege given to the user in the privilege management information for the amount corresponding to the privilege. For example, the third party ID and the account information of the financial institution used by the third party are associated and stored in the storage unit 12 . The payment processing unit 135 identifies the third party ID associated with the privilege information indicating the privilege given to the user, and based on the third party account information associated with the third party ID, charge third parties for amounts corresponding to the rewards offered; For example, the settlement processing unit 135 transmits billing information for acquiring the amount corresponding to the given privilege from the account of the third party to the financial institution corresponding to the account. The payment processing unit 135 may request the third party for the amount corresponding to the privilege granted to the user at a timing different from the timing at which the payment request is received. For example, the payment processing unit 135 may add up the amounts corresponding to the benefits given to each of the plurality of users during a predetermined period, and request the total amount from a third party.

The payment processing unit 135 makes a payment, which is a consideration to be paid to the third party indicated by the third party ID associated with the privilege information in the privilege management information, in response to the grant of the privilege indicated by the privilege information to the user. determine the amount. The payment processing unit 135 determines the payment amount based on the payment amount included in the payment information. For example, the payment processing unit 135 determines a predetermined percentage of the payment amount included in the payment information as the payment amount. The payment processing unit 135 may determine the payment amount based on the discount amount, the refund amount, or the monetary value indicated by the points, which are benefits, or the monetary value indicated by the points and the payment amount included in the payment information. may determine the payment amount based on

The payment processing unit 135 remits the determined payment amount to the third party indicated by the third party ID stored in the storage unit 12 in association with privilege information indicating the privilege given to the user. As described above, since the third party is billed for the amount corresponding to the privilege given to the user, the settlement processing unit 135 subtracts the determined payment amount from the amount corresponding to the privilege, person may be charged. In this case, the payment processing unit 135 may notify the third party terminal 4 of information indicating the amount corresponding to the privilege, the determined payment amount, and the amount charged to the third party.

The payment processing unit 135 executes processing for depositing an amount corresponding to the payment amount after applying the benefit to the account of the store specified by the store ID included in the payment information. Specifically, when the payment amount to the third party is determined, the payment processing unit 135 calculates the amount after deduction by subtracting the determined payment amount from the payment amount before the privilege is given to the user. do. The settlement processing unit 135 remits the amount received at the store, which is the amount specified based on the calculated amount after deduction, to the store. For example, the payment processing unit 135 calculates the amount obtained by deducting the payment fee corresponding to the payment service from the amount after deduction as the amount received at the store, and transfers it to the account of the store specified by the store ID included in the payment information. Execute the process of depositing the amount received at the store. By doing so, the payment processing apparatus 1 can make the store bear the consideration corresponding to the customer referral effect to the store associated with the provision of the privilege. Note that the payment processing unit 135 totals the amount of money received at the store calculated for a predetermined period of time (for example, one month) every predetermined time (for example, one month), and calculates the total amount of the amount of money received at the store specified by the store ID. You may make it pay collectively to the account of the store which carries out.

The payment processing unit 135 notifies the user terminal 2 and the store terminal 3 of payment completion information indicating that the payment has been completed in response to the completion of the process of withdrawing the payment amount from the user's account. In addition, when the privilege indicated by the privilege information is given to the user, the settlement processing unit 135 includes information specifying the user (for example, user ID or user name), and the third party ID associated with the privilege information is The third party terminal 4 is notified of grant result information indicating that privilege information corresponding to the indicated third party has been granted to the user. The payment processing unit 135 may notify the third party terminal 4 of payment completion information including the provision result information. By doing so, the third party can understand that the privilege has been given to the user.

[Operation sequence]
FIG. 6 is an operation sequence diagram of the settlement system S. As shown in FIG. FIG. 7 is an operation sequence diagram following FIG. In addition, before the processing related to this sequence, the privilege management company receives privilege information, privilege granting conditions, total privilege amount, store ID, second It is assumed that a user ID is obtained and an application for cooperation between the user ID and the second user ID is received from the user. Then, it is assumed that the privilege management business associates and manages the privilege information, the privilege provision conditions, the total privilege amount, the store ID, and the user ID.

First, the third party terminal 4 used by the privilege management business operator transmits the third party ID, the shop ID, the user ID, privilege information, the privilege provision conditions, and the total privilege amount to the payment processing device 1. (S1). The registration unit 131 associates the third party ID received from the third party terminal 4, the user ID, the shop ID, the privilege information, the privilege provision conditions, and the total privilege amount, and stores them as privilege management information in the storage unit 12. Store (S2).

Subsequently, the user terminal 2 of the user who purchases the product or the like at the store accepts the display operation of the settlement code (S3). The request transmission unit 252 transmits the user ID and a payment code issuance request to the payment processing apparatus 1 (S4).

When the request receiving unit 132 of the payment processing device 1 acquires the user ID and the payment code issuance request from the user terminal 2, the token transmission unit 133 generates a payment token (S5). The token transmission unit 133 associates the user ID with the generated payment token and stores them in the storage unit 12 (S6). The token transmission unit 133 transmits the generated payment token to the user terminal 2 that has transmitted the payment code issuance request (S7).

Description is moved to FIG. The code generation unit 253 of the user terminal 2 generates a payment code based on the payment token received from the payment processing device 1, and displays the generated payment code on the display unit 23 (S8). The user presents the payment code displayed on the user terminal 2 at the store, and the reader 32 of the store terminal 3 reads the payment code (S9).

In addition, the payment information generation unit 361 of the store terminal 3 identifies the price of the product based on the product ID input by the clerk at the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32. , the settlement amount is calculated (S10). The payment information transmission unit 363 of the shop terminal 3 settles the payment request including the payment information including the payment amount calculated in S10, the shop ID, and the payment token extracted from the payment code read in S9. It is transmitted to the processing device 1 (S11).

The payment information receiving unit 134 of the payment processing apparatus 1 receives a payment request including payment information and a payment token from the store terminal 3 . If the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 135 stores the received store ID and the user ID associated with the received payment token. It is determined whether or not the privilege indicated by the corresponding privilege information can be given to the user (S12). Note that in this sequence, the payment processing unit 135 determines whether or not the privilege can be given to the user before the payment processing is performed, but the present invention is not limited to this. The payment processing unit 135 may determine whether the privilege can be given to the user after the payment is completed.

Subsequently, the settlement processing unit 135 performs settlement processing (S13). Specifically, when the payment processing unit 135 determines that the privilege indicated by the privilege information can be granted to the user, the privilege is granted to the user and the payment is made. change the given total amount corresponding to the privilege information associated with the user ID associated with the user ID. When the settlement processing unit 135 determines that the privilege information cannot be given to the user, the settlement processing unit 135 performs settlement without giving the privilege indicated by the privilege information to the user.

Subsequently, the payment processing unit 135 calculates the amount to be charged to the third party indicated by the third party ID associated with the privilege information indicating the privilege granted to the user and the amount to be paid to the third party. (S14). Subsequently, the settlement processing unit 135 performs billing processing of billing the third party for the amount obtained by subtracting the determined payment amount from the amount corresponding to the privilege (S15).

Subsequently, the payment processing unit 135 transmits payment completion information to the user terminal 2 (S16). When receiving the payment completion information from the payment processing apparatus 1, the display control unit 254 of the user terminal 2 causes the display unit 23 to display the payment completion information (S17).

[Modification 1]
In the above description, the third party is the privilege management company that manages the privilege, but the third party is not limited to this. A third party may provide the employer who employs the user of the user terminal 2, the municipality or national government of the region where the user resides, the central government, the insurance company that the user joins, or other various benefits, support, and assistance to the user who is a member. It may be an organization or the like that provides under certain conditions. In this case, the registration unit 131 receives, for example, the user ID, the store ID, the privilege information, the privilege provision conditions, and the total privilege amount from the employer who employs the user as a third party or the municipality where the user resides. may be accepted.

[Modification 2]
Also, in the above description, the case where the predetermined payment method is the CPM code payment is described as an example, but an example using the MPM code payment will be briefly described below. FIG. 8 is an operation sequence diagram of the settlement system S that supports MPM code settlement. FIG. 9 is an operation sequence diagram following FIG.

First, the third party terminal 4 transmits the third party ID, the store ID, the user ID, the privilege information, the privilege provision conditions, and the total privilege amount to the payment processing device 1 (S21). The registration unit 131 associates the third party ID received from the third party terminal 4, the store ID, the user ID, the privilege information, the privilege provision conditions, and the total privilege amount, and stores them as privilege management information in the storage unit 12. Store (S22).

Subsequently, the store clerk operates the store terminal 3 in response to the user bringing the product to be purchased at the store to the store clerk. The store terminal 3 acquires the product ID input by the store clerk through the operation unit 31 or the product ID read from the bar code attached to the product by the reading unit 32, and specifies the price of the product associated with the product ID. Thus, the settlement amount is calculated. The store terminal 3 causes the display unit 23 to display the settlement amount (S23).

Upon receiving the operation related to the payment code issuance request, the shop terminal 3 transmits the payment code issuance request and the shop ID to the payment processing apparatus 1 (S24). When the request receiving unit 132 of the payment processing apparatus 1 acquires the payment code issuance request and the shop information, the token transmission unit 133 generates a payment token for generating the payment code (S25). The token transmission unit 133 associates the generated payment token with the store ID and stores them in the storage unit 12 (S26). The token transmission unit 133 transmits the generated payment token to the store terminal 3 that has transmitted the payment code issuance request (S27).

The store terminal 3 generates a payment code based on the payment token received from the payment processing apparatus 1, and displays the generated payment code on the display unit 34 (S28). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S9).

Description is moved to FIG. After acquiring the payment token, the user terminal 2 receives input of the payment amount from the user (S30). The user terminal 2 transmits to the payment processing apparatus 1 a payment request including payment information including the input payment amount, a payment token obtained from the payment code, and the user ID (S31).

The payment information receiving unit 134 of the payment processing apparatus 1 receives a payment request including payment information, a payment token, and a user ID from the user terminal 2 . If the payment token stored in the storage unit 12 matches the received payment token, the payment processing unit 135 stores the received user ID and the store ID associated with the received payment token. It is determined whether or not the privilege indicated by the corresponding privilege information can be given to the user (S32).

Since the processing from S33 to S37 is the same as the processing from S13 to S17, the description is omitted.

By operating the payment system S as described above, the payment processing apparatus 1 receives payment information from the shop terminal 3 that has read the payment code displayed on the user terminal 2, and performs payment in the same manner as in the case where payment is made. When a specific user to whom a third party decides to give a privilege makes a payment at a specific store designated by the third party, the privilege can be immediately given.

In the MPM code payment, a payment code issuance request is made at the time of payment, but it may be issued at a timing prior to the time of payment. In this case, the payment code issue request may be made via the store terminal 3, or may be made by mail, e-mail, or the like. Also, although the store terminal 3 causes the display unit 34 to display the payment code, the present invention is not limited to this. For example, a store clerk may present a payment code printed on paper or the like to the user.

In this case, the user terminal 2 captures an image of the payment code presented at the store by an imaging unit provided in itself according to the user's operation, extracts the payment token from the imaged payment code, and receives the input of the payment amount corresponding to the payment at the store. The payment token may include a shop ID for the payment processing apparatus 1 to identify the shop. Upon receiving the input of the payment amount, the user terminal 2 transmits to the payment processing apparatus 1 a payment request including payment information including the payment amount, the extracted payment token, and the user ID. The payment processing unit 135 executes payment processing when the payment information receiving unit 134 receives a payment request including payment information, a payment token, and a user ID from the user terminal 2 .

[Modification 3]
Further, in the above description, the registration unit 131 receives the user ID, the store ID, and the privilege information from the third party terminal 4 used by the third party, and receives the received user ID, the store ID, and the privilege information. is associated with and stored in the storage unit 12, but the present invention is not limited to this. The registration unit 131 may accept the user ID and the privilege information from the third party terminal 4 used by the third party without accepting the store ID. Then, the registration unit 131 may cause the storage unit 12 to store the received user ID and privilege information in association with each other. By doing so, the payment processing apparatus 1 gives benefits to the user when the user purchases the product using the code payment without limiting the store where the user purchases the product. be able to.

[Modification 4]
Also, in the above description, the predetermined payment method is the payment method using the code, but it is not limited to this. For example, if the payment processing device 1 can acquire a user ID, a store ID, and payment information at the time of payment by the user, the predetermined payment method is different from a payment method using code payment, such as NFC. Various payment methods such as a payment method using short-range wireless communication, a payment method using a credit card, and a payment method using a prepaid card may be used.

[Effects of payment system S]
As described above, the payment processing apparatus 1 according to the present embodiment associates the user ID received from the third party terminal 4, the store ID, and the privilege information, and stores them in the storage unit 12 . The payment processing device 1 receives the user ID, the shop ID, and payment information corresponding to the purchase of the product at the shop by the user from the shop terminal 3 or the user terminal 2 . The payment processing apparatus 1 grants the privilege indicated by the privilege information to the user indicated by the user ID on condition that the privilege information is stored in the storage unit 12 in association with the received user ID and shop ID, determines the amount of payment to be made to a third party in response to the grant of By doing so, the payment processing apparatus 1 can determine the consideration for the customer referral associated with the provision of the privilege.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. Further, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

1 payment processing device 2 user terminal 3 store terminal 4 third party terminal 11 communication unit 12 storage unit 13 control unit 21 operation unit 22 communication unit 23 display unit 24 storage unit 25 control unit 31 operation unit 32 reading unit 33 communication unit 34 display Unit 35 Storage unit 36 Control unit 131 Registration unit 132 Request reception unit 133 Token transmission unit 134 Payment information reception unit 135 Payment processing unit 251 Operation reception unit 252 Request transmission unit 253 Code generation unit 254 Display control unit 361 Payment information generation unit 362 token acquisition unit 363 payment information transmission unit S payment system

Claims (12)

the computer runs
User identification information for identifying a user, store identification information for identifying a store that gives a privilege when the user purchases a product, and privilege information indicating the content of the privilege are provided to the user and the a step of accepting from a third party different from the store, and storing the user identification information, the store identification information, and the privilege information in association with each other in a storage unit;
Receives the user identification information, the store identification information, and payment information including the payment amount corresponding to the payment for the purchase of the product at the store by the user from the terminal of the store or the user terminal used by the user. and
making the payment based on the received user identification information and the payment information;
The privilege indicated by the privilege information is offered to the user indicated by the received user identification information on condition that the privilege information is stored in the storage unit in association with the received user identification information and the store identification information. a step of granting;
determining a payment amount to be paid to the third party based on the payment amount included in the payment information in response to the award of the privilege;
An information processing method comprising: the computer runs
User identification information for identifying a user, store identification information for identifying a store that gives a privilege when the user purchases a product, and privilege information indicating the content of the privilege are provided to the user and the a step of accepting from a third party different from the store, and storing the user identification information, the store identification information, and the privilege information in association with each other in a storage unit;
Receives the user identification information, the store identification information, and payment information including the payment amount corresponding to the payment for the purchase of the product at the store by the user from the terminal of the store or the user terminal used by the user. and
making the payment based on the received user identification information and the payment information;
The privilege indicated by the privilege information is offered to the user indicated by the received user identification information on condition that the privilege information is stored in the storage unit in association with the received user identification information and the store identification information. a step of granting;
determining a payment amount to be paid to the third party in response to the award of the privilege;
has
The privilege is a discount of a predetermined discount amount for the settlement amount, a refund of a predetermined refund amount to the user after the settlement, or points available to the user,
In the step of determining the payment amount, the computer determines the payment amount based on the monetary value indicated by the discount amount, the refund amount, or the points.
Information processing methods. in the step of storing the privilege information in the storage unit, the computer associates the privilege information with third party identification information that identifies the third party and stores the privilege information in the storage unit;
Identifying the third party identification information stored in the storage unit in association with the privilege information indicating the privilege granted to the user, executed by the computer, and identifying the third party indicated by the identified third party identification information transferring the determined payment amount to
The information processing method according to claim 1 or 2 . Remittance of the amount received at the store to the store, which is the amount specified based on the amount after deducting the determined payment amount from the settlement amount before the privilege is granted to the user, executed by the computer. further comprising the step of
The information processing method according to any one of claims 1 to 3 . In the step of remittance to the store, the computer calculates the amount obtained by deducting a settlement fee from the amount after deduction as the amount received at the store.
The information processing method according to claim 4 . in the step of storing the privilege information in the storage unit, the computer associates the privilege information with third party identification information that identifies the third party and stores the privilege information in the storage unit;
Identifying the third party identification information stored in the storage unit in association with the privilege information indicating the privilege given to the user, executed by the computer, and identifying the third party indicated by the identified third party identification information , further comprising claiming an amount corresponding to the award;
The information processing method according to any one of claims 1 to 5 . in the step of storing the privilege information in the storage unit, the computer associates the privilege information with third party identification information that identifies the third party and stores the privilege information in the storage unit;
Identifying the third party identification information stored in the storage unit in association with the privilege information indicating the privilege given to the user, executed by the computer, and identifying the third party indicated by the identified third party identification information , further comprising notifying that the privilege has been granted to the user;
The information processing method according to any one of claims 1 to 6 . In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the store identification information, and the privilege information from a business operator who manages the privilege as a third party.
The information processing method according to any one of claims 1 to 7 . In the step of storing the privilege information in the storage unit, the computer receives the privilege information from the business operator who acquires resources for the privilege from an employer who employs the user.
The information processing method according to claim 8 . In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the store identification information, and the privilege information from an employer who employs the user as the third party. ,
The information processing method according to any one of claims 1 to 7 . In the step of storing the privilege information in the storage unit, the computer receives the user identification information, the store identification information, and the privilege information from the local government where the user as the third party resides.
The information processing method according to any one of claims 1 to 7 . In the step of granting the privilege, the computer further grants, to the user indicated by the received user identification information, a privilege different from the privilege indicated by the privilege information associated with the received user identification information. do,
The information processing method according to any one of claims 1 to 11 .

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