JP7234439B1 - Information processing device and information processing method - Google Patents

Abstract

An information processing apparatus and an information processing method for grasping payment histories corresponding to each of a plurality of devices are provided. A payment processing apparatus 1 associates a user ID, a plurality of device IDs of a plurality of payment devices used by a user for each of a plurality of payments, and a plurality of payment histories corresponding to each of the plurality of payments. Payment including the device ID, the user ID, and the payment amount corresponding to the payment at the store from the storage unit 12 that stores the history information obtained and the store terminal that received the device ID and the user ID from the payment device A settlement request receiving unit 132 that receives the request; a settlement processing unit 133 that performs settlement corresponding to the settlement request based on the user ID and settlement amount included in the received settlement request; A storage control unit 134 that associates the payment history of the payment with the user ID and the device ID included in the received payment request and stores it in the storage unit as history information. [Selection drawing] Fig. 2

Description

The present invention relates to an information processing device and an information processing method.

In recent years, in addition to methods of making payments using smartphones, methods of making payments using other devices have been proposed. For example, Patent Literature 1 proposes a method of making payments using a device worn on a finger.

Japanese Patent Application Laid-Open No. 2021-108232

When a user owns a plurality of devices that can be used for payment, there is a problem that it is not possible to grasp how many payments are made using each of these devices.

Accordingly, the present invention has been made in view of these points, and it is an object of the present invention to make it possible to grasp payment histories corresponding to each of a plurality of devices.

An information processing apparatus according to a first aspect of the present invention includes user identification information for identifying a user and a plurality of device identifications for identifying each of a plurality of payment devices used by the user for each of a plurality of payments. a storage unit that stores history information that associates information with a plurality of payment histories corresponding to each of the plurality of payments; and a store terminal that is used in a store and that is stored in the payment device A payment request including the device identification information, the user identification information, and the payment amount corresponding to the payment at the shop is received from the shop terminal that has received the identification information and the user identification information from the payment device. a payment request receiving unit; a payment processing unit that performs payment corresponding to the payment request based on the user identification information and the payment amount included in the received payment request; and a storage control unit that associates the payment history of the payment with the user identification information and the device identification information included in the received payment request and stores the history information in the storage unit.

The payment request receiving unit receives the payment request further including shop identification information for identifying the shop from the shop terminal, and the storage control unit performs the payment corresponding to the received payment request. A history may be associated with the user identification information, the store identification information, and the device identification information included in the received payment request, and stored as the history information in the storage unit.

The information processing apparatus further includes a registration unit that stores, in the storage unit, pairing information that associates the user identification information of the user with the device identification information corresponding to the payment device used by the user. You may

The registration unit receives the user identification information and the device identification information corresponding to the payment device paired with the user terminal from the user terminal used by the user, and receives the received user identification information. and the pairing information associated with the device identification information may be stored in the storage unit.

The payment processing unit responds to the payment request on the condition that the user identification information and the device identification information included in the received payment request are associated and stored in the storage unit as the pairing information. A corresponding payment may be made.

The registration unit associates and stores the device identification information of the payment device and permission/denial information indicating whether or not the payment using the payment device is permitted, and the payment processing unit receives If the permission/denial information associated with the device identification information included in the payment request indicates that the payment is permitted, the payment corresponding to the payment request may be performed.

The registration unit receives, from a user terminal used by the user, the user identification information, the device identification information corresponding to the payment device paired with the user terminal, and the permission/denial information. The storage unit may store the pairing information in which the user identification information, the device identification information, and the permission/denial information are associated with each other.

The registration unit identifies the user identification information, the device identification information corresponding to the payment device paired with the user terminal used by the user, and the manufacturer or provider of the payment device. The pairing information associated with the provider identification information may be stored in the storage unit.

The registration unit identifies, from the user terminal, the user identification information, the device identification information corresponding to the payment device paired with the user terminal, and the manufacturer or provider of the payment device. The storage unit may store the pairing information in which the received user identification information, the device identification information, and the provider identification information are associated with each other.

The storage unit stores the user identification information of the user and attribute information indicating attributes of the user in association with each other, and the storage control unit stores the settlement history of the settlement corresponding to the received settlement request, The user identification information and the device identification information included in the received payment request may be associated with the attribute information associated with the user identification information and stored as the history information in the storage unit.

The information processing device identifies the provider identification information associated with the device identification information included in the history information in the pairing information, and manufactures the payment device corresponding to the provider identification information. It may further include a providing unit that provides at least part of the information included in the history information to the person or provider.

The storage unit associates and stores the user identification information of the user and attribute information indicating attributes of the user, and the providing unit stores the user identification information associated with the device identification information included in the history information. The attribute information corresponding to the user identification information is specified, and the manufacturer or provider of the payment device corresponding to the provider identification information associated with the device identification information is provided with at least one attribute information included in the history information. Information on the department and the specified attribute information may be provided.

The storage unit associates and stores a condition for granting a privilege to be granted in response to payment using the payment device and privilege information indicating details of the privilege, and the information processing device stores the payment request. on the condition that the payment corresponding to the payment satisfies the conditions for granting the privilege corresponding to the device identification information included in the payment request, and granting the privilege indicated by the privilege information to the user. You may further have a part.

The privilege granting unit, on the condition that the payment corresponding to the payment request satisfies the granting condition of the privilege corresponding to the device identification information included in the payment request, A privilege corresponding to the privilege information registered by the manufacturer or provider of the corresponding payment device may be given to the user.

The information processing device manufactures the payment device in which the device identification information associated with the privilege information corresponding to the privilege indicates the amount of money corresponding to the privilege granted to the user by the privilege granting unit. It may further have a billing section for billing the person or provider.

When the information processing device receives a request to view the payment history including the user identification information from the user terminal used by the user, the device identification information and the device identification information associated with the user identification information in the history information It may further include a history information transmission unit that transmits the payment history to the user terminal.

When the history information transmission unit receives from the user terminal a request to view the payment history including the user identification information and the device identification information, the history information includes the user identification information and the device identification information. The associated payment history may be transmitted to the user terminal.

An information processing method according to a second aspect of the present invention is a store terminal used in a store, which is executed by a computer, and identifies a payment device stored in a payment device used by a user for payment. from the store terminal that receives the device identification information and the user identification information for identifying the user from the payment device, the device identification information, the user identification information, and the payment at the shop a step of receiving a payment request including a payment amount; performing payment corresponding to the payment request based on the user identification information included in the received payment request and the payment amount; and a step of associating the payment history of the payment corresponding to the payment request with the user identification information and the device identification information included in the received payment request and storing it in a storage unit as history information.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability to grasp|ascertain the payment history corresponding to each of several devices.

It is a figure which shows the outline of a settlement system. It is a figure which shows the functional structure of a payment processing apparatus. It is a figure which shows an example of settlement history information. It is a figure which shows an example of pairing information. It is a figure which shows an example of privilege management information. It is a figure which shows an example of user information. It is a figure which shows an example of provision log|history information. FIG. 4 is an operation sequence diagram of the settlement system;

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of a settlement system S. As shown in FIG. The payment system S is a system that enables payment using the payment device 3 possessed by the user when the user purchases a product or service at a store.

The payment system S includes a payment processing device 1 as an information processing device, a user terminal 2 , a payment device 3 , and a store 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 payment device 3 is, for example, an IC chip having a communication unit and a storage unit that perform short-range wireless communication, and is adhered to the user's nail or embedded in the user's skin, for example. The store terminal 4 is, for example, a POS terminal, tablet, or personal computer.

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, in order to enable payment using the payment device 3, the user transmits a user ID for identifying the user from the user terminal 2 to the payment device 3, and stores the user ID in the payment device 3. ((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 . A device ID for identifying the payment device 3 is also stored in the payment device 3 . The device ID is, for example, an ID such as a product number or model number assigned to a device by a device provider or manufacturer to identify the device.

The user brings the payment device 3 close to the store terminal 4 when purchasing a product at the store. The shop terminal 4 performs short-range wireless communication with the settlement device 3 and acquires the user ID and the device ID from the settlement device 3 ((2) in FIG. 1). The shop terminal 4 transmits a payment request including the acquired user ID and device ID, the shop ID for identifying the shop, and the payment amount to the payment processing apparatus 1 ((3) in FIG. 1). The shop ID is, for example, an ID given to the shop by the payment business operator.

Upon receiving the payment request, the payment processing apparatus 1 performs payment based on the user ID, shop ID, and payment amount included in the received payment request ((4) in FIG. 1). When the payment is completed, the payment processing apparatus 1 associates the payment history of the payment with the user ID and device ID included in the received payment request and stores them as payment history information ((5) in FIG. 1). By doing so, an analyst or the like who analyzes the payment history can grasp the payment history corresponding to each of the plurality of devices.

[Functional Configuration of Payment Processing Device 1]
Next, the details of the configuration of the payment processing apparatus 1 will be described. 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 4 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 functions the control unit 13 as a registration unit 131, a payment request reception unit 132, a payment processing unit 133, a storage control unit 134, a privilege provision unit 135, a claim unit 136, a history information transmission unit 137, and a provision unit 138. Stores a payment program that works.

The storage unit 12 also stores a user ID for identifying the user, a plurality of device IDs for identifying each of the plurality of payment devices 3 used by the user for each of the plurality of payments, and each of the plurality of payments. and stores payment history information associated with a plurality of payment histories. FIG. 3 is a diagram showing an example of payment history information. As shown in FIG. 3, the payment history information includes the payment ID, the shop ID of the shop where the payment was made, the payment amount, the payment date and time, the user ID of the user who purchased the product corresponding to the payment, the user attribute and the device ID used by the user for payment.

The storage unit 12 also stores pairing information for specifying the payment device 3 that can be used by the user. FIG. 4 is a diagram showing an example of pairing information. As shown in FIG. 4, the pairing information includes the user ID of the user, the device ID of the payment device 3 used by the user, and permission/denial information indicating whether or not the payment device 3 can be used for payment. is information associated with 1 or 0 is stored in the permission/denial information. If the permission/denial information is 1, it indicates that payment using the payment device 3 is permitted, and if the permission/denial information is 0, it indicates that payment using the payment device 3 is not permitted. showing.

The storage unit 12 also stores privilege management information that associates privilege granting conditions to be granted for payment using the payment device 3 with privilege information indicating details of the privilege. FIG. 5 is a diagram showing an example of privilege management information. As shown in FIG. 5, the privilege management information includes a privilege ID for identifying a privilege, the device ID of the payment device 3 to which the privilege is given when used for payment, the provider ID, the privilege is information that associates at least the privilege information indicating the content of the privilege with the granting condition of the privilege. For example, privilege management information is registered by the manufacturer or provider of payment device 3 .

The privilege indicated by the privilege information is, for example, a discount of a predetermined discount amount for the payment amount corresponding to the payment at the store, a refund of a predetermined refund amount to the user after the payment, or points or gifts that the user can use at the store, etc. is the offer of In the privilege management information, the privilege ID is associated with the device ID. good.

The storage unit 12 also stores user information that associates at least the user IDs of each of the plurality of users with attribute information indicating user attributes. FIG. 6 is a diagram showing an example of user information. As shown in FIG. 6, the user information is information that associates at least a user's user ID with attribute information indicating attributes of the user. User attributes are, for example, information indicating gender, age, place of residence, occupation, and the like.

The storage unit 12 also stores grant history information indicating a history of privilege grants to users. FIG. 7 is a diagram showing an example of grant history information. As shown in FIG. 7, the granting history information includes the user ID of the user to whom the privilege was granted, the privilege ID indicating the privilege, the store ID indicating the store where the payment corresponding to the privilege was made, and the privilege corresponding to the privilege. It is information that associates the settlement amount of the settlement and the privilege grant time at which the privilege is granted.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 executes a registration unit 131, a payment request reception unit 132, a payment processing unit 133, a storage control unit 134, a privilege provision unit 135, a claim unit 136, It functions as a history information transmitting unit 137 and a providing unit 138 .

The registration unit 131 causes the storage unit 12 to store pairing information that associates the user ID of the user with the device ID corresponding to the payment device 3 used by the user. The registration unit 131 stores pairing information in the storage unit 12 by receiving registration of the payment device 3 used by the user for payment from the user terminal 2 .

First, the user performs initial settings of the payment device 3 so that the payment device 3 can be used for payment. Specifically, the user performs short-range wireless communication between the user terminal 2 and the payment device 3, thereby pairing the user terminal 2 used by the user and the payment device 3 used by the user. do the ring The user terminal 2 receives the device ID of the payment device 3 from the payment device 3 .

Upon receiving the device ID, the user terminal 2 acquires a provider ID for identifying the manufacturer or provider of the payment device 3 corresponding to the device ID. For example, the user terminal 2 accesses a storage device (not shown) that associates and stores device IDs and provider IDs, and acquires provider IDs associated with the received device IDs. Then, the user terminal 2 stores the user ID, the received device ID, and the acquired provider ID in association with each other in its own storage unit. Also, the user terminal 2 transmits a device registration request including the user ID, the device ID, and the provider ID to the payment processing apparatus 1 .

The settlement device 3 receives the user ID from the user terminal 2 by short-range wireless communication, and stores the received user ID in its own storage unit. As a result, the payment device 3 is paired with the user terminal 2 and can transmit the user ID and the device ID to the store terminal 4 at the time of payment.

The registration unit 131 receives a device registration request including a user ID, a device ID corresponding to the payment device 3 paired with the user terminal 2, and a provider ID from the user terminal 2 used by the user. Upon receiving the device registration request, the registration unit 131 associates the user ID, the device ID, and the provider ID included in the device registration request with the permission/denial information and stores them in the storage unit 12 as pairing information. Here, the initial value of the permission/denial information is 1. As a result, the payment device 3 indicated by the device ID included in the device registration request can be used for payment.

Also, the registration unit 131 receives a change of permission/denial information from the user terminal 2 . For example, the registration unit 131 receives, from the user terminal 2, a pairing information change request including the user ID, the device ID corresponding to the payment device 3 paired with the user terminal 2, and permission/denial information.

Upon receiving the pairing information change request, the registration unit 131 registers the device ID stored in the storage unit 12 in association with the user ID and the device ID included in the received pairing information change request. Update the permission/denial information contained in the information change request. Thereby, the registration unit 131 causes the storage unit 12 to store the pairing information in which the user ID, the device ID, and the permission/denial information included in the received pairing information change request are associated with each other. By doing so, the user is prevented from making a payment using the payment device 3 when he or she does not use the payment device 3, and can make a payment even when the payment device 3 is stolen. You can prevent it from happening.

Note that although the registration unit 131 receives a device registration request including the user ID, the device ID, and the provider ID from the user terminal 2, the present invention is not limited to this. The registration unit 131 may receive from the user terminal 2 a device registration request that includes the user ID and the device ID without including the provider ID. In this case, the registration unit 131 may access a storage device that stores the device ID and the provider ID in association with each other, and acquire the provider ID associated with the received device ID. Then, the registration unit 131 may associate the user ID, the device ID, and the acquired provider ID and store them in the storage unit 12 as pairing information. Further, although the storage device stores the device ID and the provider ID in association with each other, the storage unit 12 of the payment processing apparatus 1 associates the device ID and the provider ID with each other. You can remember.

When the user purchases a product at a store after the pairing of the payment device 3 is completed, the user brings the payment device 3 close to the reading unit of the store terminal 4 that performs short-range wireless communication. The settlement device 3 transmits the user ID and the device ID stored therein to the store terminal 4 by short-range wireless communication. When the store terminal 4 receives the user ID and the device ID from the settlement device 3, the store terminal 4 transmits a settlement request including the user ID, the device ID, the store ID for identifying the store, and the settlement amount to the settlement processing apparatus 1. Send to

The payment request receiving unit 132 receives the device ID and the user ID stored in the payment device 3 from the shop terminal 4 used in the shop, and receives the device ID and the user ID from the payment device 3. , a payment request including the user ID, the shop ID for identifying the shop, and the payment amount corresponding to the payment at the shop. Note that the payment request receiving unit 132 may receive a payment request including a product ID for identifying the product purchased by the user.

The payment processing unit 133 performs payment corresponding to the payment request based on the user ID, shop ID, and payment amount included in the payment request received by the payment request receiving unit 132 . The payment processing unit 133 performs payment corresponding to the payment request on the condition that the user ID and the device ID included in the payment request are associated and stored in the storage unit 12 as pairing information. can be In addition, the payment processing unit 133 performs payment corresponding to the payment request on the condition that the approval/disapproval information associated with the device ID included in the received payment request indicates that the payment is permitted. good too.

Specifically, first, when the payment request receiving unit 132 receives a payment request, the payment processing unit 133 associates the user ID and the device ID included in the payment request with each other and stores them in the storage unit 12 as pairing information. Determine whether or not it is stored. When the payment processing unit 133 determines that the user ID and the device ID included in the payment request are associated and stored in the storage unit 12 as pairing information, the payment processing unit 133 associates the user ID with the device ID. Identifies the permission or denial information that is The payment processing unit 133 further determines whether or not the identified approval/disapproval information indicates that payment is permitted. When the settlement processing unit 133 determines that the permission/refusal information indicates that the settlement is permitted, the settlement processing unit 133 performs settlement corresponding to the settlement request.

The payment processing unit 133 executes payment processing for withdrawing the payment amount from the electronic currency account of the user corresponding to the user ID included in the received payment request. Although the settlement processing unit 133 executes the payment processing of withdrawing the settlement amount from the user's electronic currency account, the processing is not limited to this. For example, if the user selects a payment method using a credit card instead of withdrawing from an electronic account as the payment method, payment processing corresponding to the credit card may be executed.

In this case, the user ID and the card number of the user's credit card are stored in advance in the storage unit 12 in association with each other. If a credit card is selected as the payment method, the payment processor 133 identifies the credit card number associated with the user ID included in the received payment request. Then, as payment processing, the payment processing unit 133 transmits the specified card number and the payment amount included in the payment request to the credit card company, and submits a pre-approval application (authorization) for payment of the payment amount. You can do it. In this case, acceptance of approval from the credit card company may be regarded as completion of payment processing.

In addition, the settlement processing unit 133 executes a process of depositing the store receipt amount corresponding to the settlement amount included in the received settlement request to the account of the store specified by the store ID included in the settlement request. For example, the payment processing unit 133 calculates the amount received by the store by subtracting the payment fee corresponding to the payment service from the payment amount, and transfers the calculated amount to the account of the store specified by the store ID included in the payment request. Execute the process of depositing the store receipt amount. Note that the payment processing unit 133 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.

When the payment processing is completed, the payment processing unit 133 generates a payment ID for identifying the payment corresponding to the payment request, and transmits payment completion information including at least the payment ID and the payment amount included in the payment request. is transmitted to the user terminal 2 corresponding to the user ID that is stored. By doing so, the user can check the payment completion information received by the user terminal 2 and confirm that the payment by the payment device 3 has been completed.

The storage control unit 134 associates the payment history of the payment corresponding to the received payment request with the user ID, store ID, and device ID included in the received payment request, and stores them in the storage unit 12 as payment history information. The storage control unit 134 associates the payment history of the payment corresponding to the received payment request, the user ID and the device ID included in the received payment request, and the user attribute information associated with the user ID to perform the payment. Stored in the storage unit 12 as history information.

Specifically, the storage control unit 134 refers to the user information stored in the storage unit 12 and identifies the user attribute associated with the user ID included in the received payment request. The storage control unit 134 stores the payment history including the payment ID generated by the payment processing unit 133, the payment amount, and the date and time when the payment was made, and the shop ID, user ID, and device ID included in the received payment request. , are associated with the attributes of the specified user and stored in the storage unit 12 as payment history information. It should be noted that if the payment request includes the product ID, the storage control unit 134 may include the product ID in the payment history information.

On the condition that the payment corresponding to the payment request received by the payment request receiving unit 132 satisfies the conditions for giving a privilege associated with the device ID included in the payment request, the privilege granting unit 135 The privilege indicated by the privilege information associated with the device ID is given to the user. Specifically, when the payment processing unit 133 makes a payment in response to the payment request received by the payment request receiving unit 132, the privilege granting unit 135 refers to the privilege management information stored in the storage unit 12, Privilege information and privilege provision conditions associated with the device ID included in the payment request are specified. The privilege granting unit 135 grants the privilege indicated by the specified privilege information to the user when the payment corresponding to the payment request satisfies the condition for granting the privilege.

Here, if the privilege is a discount from the payment amount, the privilege granting unit 135 subtracts the discount amount from the payment amount included in the received payment information before the payment processing is executed by the payment processing unit 133. You may make it In this case, the payment processing unit 133 may perform payment processing based on the payment amount after the discount is applied by the privilege granting unit 135 .

Further, when the privilege granting unit 135 grants the privilege to the user, the privilege granting unit 135 causes the storage unit 12 to store the granting history information indicating the granting history of the privilege. Specifically, the privilege granting unit 135 includes the amount settled by the payment processing unit 133, that is, the amount deducted from the user's electronic account corresponding to the payment, the store ID and the user ID included in the payment request, The privilege ID of the privilege granted to the user indicated by the user ID is associated with the privilege grant time, which is the time at which the privilege is granted, and stored in the storage unit 12 as grant history information.

The billing unit 136 bills the manufacturer or provider of the payment device 3 indicated by the device ID associated with the privilege information corresponding to the privilege for the amount of money corresponding to the privilege granted to the user by the privilege granting unit 135. do.

For example, the storage unit 12 stores privilege-specific billing destination information that associates a privilege ID of a privilege, an amount corresponding to the privilege indicated by the privilege ID, and billing destination information indicating a billing destination for the amount corresponding to the privilege. . The billing unit 136 refers to the privilege management information and the privilege-specific billing destination information stored in the storage unit 12 in response to the award of the privilege by the privilege granting unit 135, Identify the destination.

Then, the billing unit 136 bills the specified billing destination, the manufacturer or provider of the settlement device 3, for the specified amount. Note that the billing unit 136 bills the amount of money corresponding to the privilege in response to the privilege being granted by the privilege granting unit 135, but the present invention is not limited to this. The billing unit 136 may refer to the grant history information stored in the storage unit 12 at predetermined time intervals, and specify the total amount corresponding to each of the plurality of benefits and the billing destination. Then, the billing unit 136 may bill the specified billing destination for the specified total amount.

When the history information transmission unit 137 receives a payment history viewing request including the user ID of the user from the user terminal 2 of the user, the payment history information stored in the storage unit 12 is associated with the user ID. device ID and payment history are transmitted to the user terminal 2.

Here, the history information transmission unit 137, from the user terminal 2, browses the payment history including the user ID of the user and the device ID selected by the user from among one or more device IDs associated with the user ID. may receive requests. In this case, the history information transmission unit 137 identifies the payment history associated with the user ID and device ID included in the received viewing request in the payment history information stored in the storage unit 12 . Then, the history information transmission unit 137 transmits the identified payment history to the user terminal 2 . By doing so, the user can check the payment history of each of the one or more payment devices 3 used by the user.

The providing unit 138 provides at least part of the information included in the payment history information to the manufacturer or provider of the payment device 3 indicated by the device ID included in the payment history information stored in the storage unit 12 . Specifically, the providing unit 138 refers to the pairing information and the payment history information stored in the storage unit 12, the provider ID associated with the device ID included in the payment history information, and the device ID. User attribute information corresponding to the associated user ID is specified. The provider ID is provider identification information for identifying the manufacturer or provider.

Further, the provider ID and the contact information indicating the contact information of the manufacturer or provider of the payment device 3 are associated with each other and stored in the storage unit 12, and the providing unit 138 associates the contact information with the identified provider ID. Identify contact information that is The providing unit 138 provides at least part of the information included in the payment history information associated with the device ID to the manufacturer or provider of the payment device 3 corresponding to the provider ID. For example, the providing unit 138 provides the payment amount, payment date and time, shop ID, and user attribute information included in the payment history information.

Although the providing unit 138 provides the payment amount, payment date and time, store ID, and user attribute information included in the payment history information, the present invention is not limited to this. The providing unit 138 may provide information indicating the average value of payment amounts and the attribute of the user's attribute information that is the most common, based on a plurality of pieces of payment history information. Further, when the payment history information includes the product ID of the product, the providing unit 138 obtains the product ID of the product purchased in the payment using the payment device 3, the product ID of the product purchased the most, or the product ID of the product purchased the most. Attributes of most purchased items may be provided. By doing so, the manufacturer or provider of the payment device 3 can analyze the payment using the payment device 3 and the user of the payment device 3 .

[Operation sequence]
FIG. 8 is an operation sequence diagram of the settlement system S. As shown in FIG. It is assumed that the payment device 3 shown in the sequence diagram shown in FIG. 8 has been paired with the user terminal 2 .
First, a user presents a product or the like to a store clerk at a store. The store terminal 4 specifies the price of the product based on the product ID input by the sales clerk or the product ID read from the barcode attached to the product, and calculates the settlement amount (S1). The store terminal 4 receives the user ID and the device ID by means of a reading unit provided therein for performing short-range wireless communication.

The payment device 3 and the store terminal 4 perform short-range wireless communication, and the payment device 3 transmits the user ID and device ID stored therein to the reader (S2). Upon receiving the user ID and device ID from the payment device 3, the shop terminal 4 sends a payment request including the shop ID, the payment amount calculated in S1, and the user ID and device ID received from the payment device 3. It is transmitted to the settlement processing device 1 (S3).

The payment request receiving unit 132 of the payment processing apparatus 1 receives a payment request including the shop ID, payment amount, user ID, and device ID from the shop terminal 4 . The payment processing unit 133 performs payment processing corresponding to the payment request based on the user ID, store ID, and payment amount included in the payment request received by the payment request receiving unit 132 (S4).

Subsequently, the storage control unit 134 associates the payment history of the payment corresponding to the received payment request with the user ID, the shop ID, and the device ID included in the received payment request, and stores them in the storage unit 12 as payment history information. (S5).

Subsequently, the privilege giving unit 135 confirms that the payment corresponding to the payment request received by the payment request receiving unit 132 satisfies the privilege giving condition associated with the device ID included in the payment request. As a condition, the privilege is applied to the user (S6).

Subsequently, the payment processing unit 133 transmits payment completion information to the user terminal 2 (S7). When the privilege is granted to the user, the payment processing unit 133 transmits payment completion information including information indicating that the privilege has been granted to the user terminal 2 .

After that, the billing unit 136 refers to the grant history information stored in the storage unit 12, and specifies the amount corresponding to each of the plurality of benefits and the billing destination (S8). Then, the billing unit 136 executes billing processing for billing the specified billing destination for the specified amount (S9).

Subsequently, the providing unit 138 sends at least part of the information included in the payment history information to the manufacturer or provider of the payment device 3 indicated by the device ID included in the payment history information stored in the storage unit 12. Provide (S10).

[Modification 1]
In the above-described embodiment, the payment processing unit 133 responds to the payment request on the condition that the user ID and the device ID included in the payment request are associated and stored in the storage unit 12 as pairing information. However, it is not limited to this. If the user ID and the device ID included in the payment request are not associated and stored in the storage unit 12 as pairing information, the payment processing unit 133 sends the user terminal 2 corresponding to the user ID included in the payment request, A confirmation screen asking whether or not to make the payment may be displayed, and the payment may be made in response to receiving an instruction to make the payment. In this case, the registration unit 131 may associate the user ID and the device ID included in the payment request and store them in the storage unit 12 as pairing information in response to receiving the payment instruction.

[Modification 2]
Further, in the above-described embodiment, the payment device 3 and the user terminal 2 are different, but the present invention is not limited to this. For example, the user terminal 2 may operate as the payment device 3 . In this case, the user terminal 2 stores the device ID for identifying itself and the user ID of the user. When the user makes a payment using the user terminal 2 , the user terminal 2 transmits the user ID and the device ID for identifying itself to the store terminal 4 . By doing so, the payment processing apparatus 1 can cause the storage unit 12 to store the payment history information corresponding to each of the payment by the user terminal 2 and the payment by the payment device 3 .

[Effects of payment system S]
As described above, the payment processing apparatus 1 according to the present embodiment receives the device ID and the user ID stored in the payment device 3 from the store terminal 4 that receives the device ID and the user ID from the payment device 3. A payment request including the user ID and the payment amount corresponding to the payment at the store is received, and payment corresponding to the payment request is made based on the user identification information and the payment amount. Then, the payment processing apparatus 1 associates the payment history of the payment corresponding to the received payment request with the user ID and the device ID included in the received payment request, and stores them in the storage unit 12 as payment history information. By doing so, an analyst or the like who analyzes the payment history can grasp the payment history corresponding to each of the plurality of devices.

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. In addition, 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 payment device 4 store terminal 11 communication unit 12 storage unit 13 control unit 131 registration unit 132 payment request reception unit 133 payment processing unit 134 storage control unit 135 privilege provision unit 136 request unit 137 history information transmission Part 138 Providing part S Settlement system

Claims (18)

User identification information for identifying a user, a plurality of device identification information for identifying each of a plurality of payment devices used by the user for each of the plurality of payments, and a plurality of payments corresponding to each of the plurality of payments a storage unit that stores history information associated with a history, and that associates and stores the user identification information and identification information for identifying the user in the payment means used by the user for payment;
A store terminal used in a store, wherein the device identification information and the user identification information stored in the payment device are received from the store terminal, and the a payment request receiving unit that receives a payment request including user identification information and a payment amount corresponding to payment at the store;
Based on the payment amount and the identification information for identifying the user in the payment means stored in the storage unit in association with the user identification information included in the received payment request, a payment processing unit that performs a corresponding payment;
a storage control unit that associates the payment history of the payment corresponding to the received payment request with the user identification information and the device identification information included in the received payment request, and stores the history information in the storage unit; ,
Information processing device having The payment request receiving unit receives the payment request further including shop identification information for identifying the shop from the shop terminal,
The storage control unit associates a settlement history of the settlement corresponding to the received settlement request with the user identification information, the shop identification information, and the device identification information included in the received settlement request, and stores the history. stored as information in the storage unit;
The information processing device according to claim 1 . further comprising a registration unit that causes the storage unit to store pairing information that associates the user identification information of the user with the device identification information that corresponds to the payment device used by the user,
The information processing apparatus according to claim 2. The registration unit receives the user identification information and the device identification information corresponding to the payment device paired with the user terminal from the user terminal used by the user, and receives the received user identification information. and storing the pairing information associated with the device identification information in the storage unit;
The information processing apparatus according to claim 3. The payment processing unit responds to the payment request on the condition that the user identification information and the device identification information included in the received payment request are associated and stored in the storage unit as the pairing information. make the corresponding payment,
The information processing apparatus according to claim 4. The registration unit associates and stores the device identification information of the payment device and permission/denial information indicating whether or not the payment using the payment device is permitted,
The payment processing unit performs payment corresponding to the payment request when the permission/denial information associated with the device identification information included in the received payment request indicates that the payment is permitted.
The information processing apparatus according to any one of claims 3 to 5. The registration unit receives, from a user terminal used by the user, the user identification information, the device identification information corresponding to the payment device paired with the user terminal, and the permission/denial information. causing the storage unit to store the pairing information that associates the user identification information, the device identification information, and the permission/denial information that have been obtained;
The information processing device according to claim 6 . The registration unit identifies the user identification information, the device identification information corresponding to the payment device paired with the user terminal used by the user, and the manufacturer or provider of the payment device. storing in the storage unit the pairing information associated with the provider identification information of
The information processing apparatus according to any one of claims 3 to 7. The registration unit identifies, from the user terminal, the user identification information, the device identification information corresponding to the payment device paired with the user terminal, and the manufacturer or provider of the payment device. and storing the pairing information that associates the received user identification information, the device identification information, and the provider identification information in the storage unit.
The information processing apparatus according to claim 8 . the storage unit associates and stores the user identification information of the user and attribute information indicating attributes of the user;
The storage control unit stores a settlement history of the settlement corresponding to the received settlement request, the user identification information and the device identification information included in the received settlement request, and the associated with attribute information and stored in the storage unit as the history information;
The information processing apparatus according to claim 8 or 9. In the pairing information, specifying the provider identification information associated with the device identification information included in the history information, and asking the manufacturer or provider of the payment device corresponding to the provider identification information, further comprising a providing unit that provides at least part of the information included in the history information;
The information processing apparatus according to any one of claims 8 to 10. the storage unit associates and stores the user identification information of the user and attribute information indicating attributes of the user;
The provision unit specifies the attribute information corresponding to the user identification information associated with the device identification information included in the history information, and corresponds to the provider identification information associated with the device identification information. providing at least part of the information included in the history information and the specified attribute information to the manufacturer or provider of the payment device that
The information processing device according to claim 11 . The storage unit associates and stores a condition for granting a privilege to be granted for payment using the payment device and privilege information indicating the details of the privilege,
On the condition that the payment corresponding to the payment request satisfies the condition for giving the privilege corresponding to the device identification information included in the payment request, the privilege indicated by the privilege information is granted to the user. further having a privilege granting unit to
The information processing apparatus according to any one of claims 1 to 12. The privilege granting unit, on the condition that the payment corresponding to the payment request satisfies the granting condition of the privilege corresponding to the device identification information included in the payment request, Giving the user a privilege corresponding to the privilege information registered by the manufacturer or provider of the corresponding payment device;
The information processing apparatus according to claim 13. Claiming the amount corresponding to the privilege granted to the user by the privilege granting unit to the manufacturer or provider of the payment device indicated by the device identification information associated with the privilege information corresponding to the privilege further comprising a claim for
The information processing apparatus according to claim 14. When a request for viewing the payment history including the user identification information is received from the user terminal used by the user, the device identification information and the payment history associated with the user identification information are included in the history information by the user. further comprising a history information transmission unit that transmits to the terminal,
The information processing apparatus according to any one of claims 1 to 15. When the history information transmission unit receives from the user terminal a request to view the payment history including the user identification information and the device identification information, the history information includes the user identification information and the device identification information. transmitting the associated payment history to the user terminal;
The information processing apparatus according to claim 16. the computer runs
Device identification information for identifying the payment device stored in the payment device used by the user for payment, which is a shop terminal used in the shop, and user identification information for identifying the user a step of receiving a payment request including the device identification information, the user identification information, and the payment amount corresponding to the payment at the shop from the shop terminal received from the payment device;
The user identification information included in the received payment request in a storage unit that associates and stores the user identification information possessed by the computer and identification information for identifying the user in the payment means used by the user for payment making a payment corresponding to the payment request based on the identification information for identifying the user in the payment means stored in association with the payment method and the payment amount;
a step of associating the payment history of the payment corresponding to the received payment request with the user identification information and the device identification information included in the received payment request and storing them in a storage unit as history information;
An information processing method comprising:

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