JP7271197B2 - Program, information processing method, information processing terminal - Google Patents

Description

The present disclosure relates to a program, an information processing method, and an information processing terminal.

In recent years, various electronic commerce transactions have been conducted on the Internet (Patent Document 1). In addition, as one of payment methods in electronic commerce, a method is known in which payment is made after charging a user's account at a payment service provider from a bank account or the like.

JP 2018-077641 A

In the conventional method, the user needs to perform an operation to charge the account and an operation to settle the payment for the product, which is complicated.

An object of the present disclosure is to provide technology that improves user convenience.

A program according to an embodiment of the present disclosure is a process of displaying a payment screen on an information processing terminal, and in response to one operation of the user on the payment screen, requests payment to the user's account for payment. A process of transmitting to the information processing device a request including a deposit request and a settlement request for performing settlement using the electronic value added by the deposit is executed.

FIG. 1 shows a configuration of a communication system according to one aspect of an embodiment. FIG. 2 shows an example of a hardware configuration of an information processing device according to the present disclosure. FIG. 3 shows an example of a block diagram showing the functional configuration of the information processing apparatus according to the embodiment. 4 is a diagram illustrating an example of a user information storage unit according to the embodiment; FIG. FIG. 5 shows an example of a processing sequence of the communication system 1 according to the embodiment. FIG. 6 shows an example of screen transitions displayed on the terminal according to the embodiment. FIG. 7 shows an example of a display mode of another terminal during charging and payment processing according to the embodiment. FIG. 8 shows an example of a display mode of a terminal when settlement fails, according to the embodiment. FIG. 9 shows another example of the display mode of the terminal when settlement fails, according to the embodiment. FIG. 10 shows another example of the display mode of the terminal displaying the payment screen according to the embodiment. FIG. 11 shows an example of the processing sequence of the communication system 1 according to the first embodiment. FIG. 12 shows an example of a display mode of a terminal displaying a charge amount selection screen according to the first embodiment. FIG. 13 shows an example of a display mode of a terminal displaying a payment screen according to the first embodiment. FIG. 14 shows an example of the processing sequence of the communication system 1 according to the second embodiment. FIG. 15 shows an example of a display mode of a terminal displaying an error screen according to the second embodiment. FIG. 11 shows an example of a display mode of a terminal on which a payment method selection screen is displayed, according to the second embodiment; FIG.

<Compliance with laws and regulations>
The disclosure herein, when implemented, will be implemented in compliance with the laws of each country implementing the disclosure. In addition, the disclosure described herein is implemented with all alterations, substitutions, variations, alterations, and modifications that may be made by those skilled in the art as necessary to comply with the laws and regulations of each country.

A form for implementing settlement according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 shows the configuration of a communication system 1 according to one embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, a terminal 120C, and an external server 140 are connected via a network .

In the present disclosure, server 110A and server 110B may be referred to as server 110, respectively, when there is no need to distinguish between server 110A and server 110B.

In the present disclosure, the terminal 120A, the terminal 120B, and the terminal 120C may each be referred to as the terminal 120 when there is no need to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C.

In the present disclosure, when there is no need to distinguish between the server 110 and the terminal 120 , the server 110 and the terminal 120 may each be expressed as the information processing device 200 . Note that the number of information processing apparatuses 200 connected to network 130 is not limited.

The server 110 provides predetermined services to the terminal 120 used by the user via the network 130 . Examples of predetermined services include, but are not limited to, payment services, financial services, e-commerce services, SNS (Social Networking Services) represented by instant messengers, content providing services such as music, videos, and books. The server 110 can provide a predetermined service to one or more terminals 120 by the user using the predetermined service via the terminal 120 .

In the present disclosure, a payment service means a service that allows one or more users to give and receive money or money equivalents. As non-limiting examples, one-dimensional codes (barcodes, etc.), two-dimensional codes (QR code (registered trademark), etc.) (hereinafter, one-dimensional codes and two-dimensional codes are collectively referred to as "two-dimensional codes, etc." ), short-range wireless communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, payment by reading a two-dimensional code or the like by the terminal 120 of the user (payer) who pays the price is expressed as "user-readable code payment" or "MPM (Merchant Presented Mode)". The terminal 120 of the user who performs the payment displays a two-dimensional code, etc., and the terminal 120 of the user (seller, claimant) at the store who bills for the payment reads the displayed two-dimensional code, etc. This is referred to as “store reading type code payment” or “CPM (Consumer Presented Mode)”. Note that the MPM and CPM may be dynamic or static.

As necessary, the terminal used by the user X is expressed as a terminal 120X, and the user information for a predetermined service associated with the user X or the terminal 120X is expressed as user information X. The user information is user information associated with an account used by the user in a predetermined service. User information includes, by way of example and not limitation, user's name, user's icon image, user's age, user's gender, user's address, user's hobbies, entered by the user or provided by a given service Information associated with the user such as preference, user identifier, electronic value (electronic money) balance information associated with the user, credit card information (credit card number, etc.) associated with the user. Any one of or a combination thereof may be used.

The network 130 plays a role of connecting two or more information processing apparatuses 200 . The network 130 means a communication network that provides a connection path so that the terminal 120 can transmit and receive data after connecting to the server 110 .

One or more portions of network 130 may be wired or wireless networks. Network 130 may include, by way of example and not limitation, an Ad Hoc Network, an intranet, an extranet, a Virtual Private Network (VPN), a Local Area Network (LAN), a wireless Wireless LAN (WLAN), Wide Area Network (WAN), Wireless WAN (WWAN), Metropolitan Area Network (MAN), Part of the Internet, Public Switched Telephone Network (Public Part of Switched Telephone Network (PSTN), mobile phone networks, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (registered trademark), satellite communication, etc., or a combination of two or more thereof. Network 130 may include one or more networks 130 .

The information processing device 200 may be any information processing device capable of implementing the functions and methods described in this disclosure.

The information processing device 200 may be, as a non-limiting example, a smart phone, a mobile phone (feature phone), a computer (as a non-limiting example, desktop, laptop, tablet, etc.), a server device, a media computer platform (as a non-limiting example , cables, satellite set-top boxes, digital video recorders, etc.); watch devices), other types of computers, or communication platforms.

The external server 140 is, for example, a server managed by a bank, credit card company, or the like affiliated with the business operator that manages the server 110 . Also, for example, the external server 140 is a server managed by a bank in which the user of the server 110 has a bank account.

<Hardware configuration>
A hardware configuration of the information processing device 200 included in the communication system 1 will be described with reference to FIG.

The information processing device 200 includes a processor 201 , a memory 202 , a storage 203 , an input/output interface (input/output I/F) 204 and a communication interface (communication I/F) 205 . Each component of the hardware of the information processing device 200 is interconnected via a bus B as an example and not a limitation.

The information processing apparatus 200 realizes the functions and/or methods described in the present disclosure through cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205. do.

Processor 201 executes functions and methods implemented by code or instructions contained in programs stored in storage 203 . Processor 201 may include, by way of example and not limitation, a central processing unit (CPU), a Micro Processing Unit (MPU), a Graphics Processing Unit (GPU), a microprocessor, a processor core, a multiprocessor, Logic circuits (hardware) and dedicated Each process disclosed in each embodiment may be implemented by a circuit. Moreover, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. LSIs are also called VLSIs, super LSIs, ultra LSIs, etc., depending on the degree of integration.

Memory 202 temporarily stores programs loaded from storage 203 and provides a work area for processor 201 . The memory 202 also temporarily stores various data generated while the processor 201 is executing the program. Memory 202 includes, by way of example, and not limitation, random access memory (RAM), read only memory (ROM), and the like.

The storage 203 stores programs. The storage 203 includes, as non-limiting examples, HDDs (Hard Disk Drives), SSDs (Solid State Drives), flash memories, and the like.

Communication I/F 205 transmits and receives various data via network 130 . The communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. Communication I/F 205 has a function of executing communication with another information processing apparatus via network 130 . Communication I/F 205 transmits various data to other information processing apparatuses according to instructions from processor 201 . The communication I/F 205 also receives various data transmitted from other information processing apparatuses and transmits the data to the processor 201 .

The input/output I/F 204 includes an input device for inputting various operations to the information processing device 200 and an output device for outputting processing results processed by the information processing device 200 . The input/output I/F 204 may be integrated with the input device and the output device, or may be separated into the input device and the output device.

The input device is realized by any one or a combination of all kinds of devices capable of receiving input from a user and transmitting information related to the input to the processor 201 . Input devices include, but are not limited to, touch panels, touch displays, hardware keys such as keyboards, pointing devices such as mice, cameras (operation input via images), and microphones (operation input via voice).

The output device is realized by any one of all kinds of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. When outputting the processing result as a video or moving image, the output device is realized by any one or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. be. Output devices include, but are not limited to, touch panels, touch displays, monitors (as non-limiting examples, liquid crystal displays, OELD (Organic Electroluminescence Display), etc.), head mounted displays (HDM: Head Mounted Display), projection mapping, holograms , devices capable of displaying images, text information, etc. in the air (or even in a vacuum), speakers (audio output), printers, and the like. Note that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-temporary tangible medium". Programs include, by way of example and not limitation, software programs and computer programs.

The storage medium may, where appropriate, be one or more semiconductor-based or other integrated circuits (ICs), including, but not limited to, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc. ), hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tapes, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or suitable combinations of two or more thereof. Storage media may, where appropriate, be volatile, nonvolatile, or a combination of volatile and nonvolatile.

Also, the program of the present disclosure may be provided to the information processing apparatus 200 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program.

Embodiments of the present disclosure may also be implemented in the form of a data signal embedded in a carrier wave in which the program is embodied by electronic transmission.

It should be noted that the program of the present disclosure is implemented using script languages such as JavaScript (registered trademark) and Python, C language, Go language, Swift Koltin, Java (registered trademark), etc., as examples without limitation.

At least part of the processing in the information processing device 200 may be realized by cloud computing configured by one or more computers.

At least part of the processing in the information processing device 200 may be configured to be performed by another information processing device. In this case, at least part of the processing of each functional unit realized by the processor 201 may be performed by another information processing apparatus.

<Others>
Unless explicitly mentioned, the configuration of determination in the embodiments of the present disclosure is not essential, and predetermined processing is performed when the determination condition is satisfied, or predetermined processing is performed when the determination condition is not satisfied. You may

In this disclosure, "at least one of A and B" means "A, B, or both," unless stated otherwise or indicated by context. Further, unless stated otherwise or indicated by context, "a," "an," or "the" shall mean "one or more." Thus, as used herein, "an A" or "the A" means "one or more A," unless stated otherwise or indicated by context.

This disclosure encompasses all changes, substitutions, variations, alterations, or modifications that a person skilled in the art can make to the embodiments and examples of this disclosure. Also, the appended claims encompass any changes, substitutions, variations, alterations, or modifications that a person skilled in the art can make to the disclosed embodiments and examples. Further, this disclosure encompasses any combination of one or more features of the embodiments or examples in this disclosure with one or more features of other embodiments or examples in this disclosure that a person of ordinary skill in the art could make. do.

In addition, any device or system or component of a device or system that is adapted, arranged, capable, configured, usable, operable, or capable of performing a specified function References in the appended claims to the device, system or component so adapted, arranged, capable, configured, enabled, operable to the extent that the device, system, component or any particular feature thereof is activated, turned on, or unlocked.

This disclosure may obtain consent from the user prior to or immediately prior to practicing any embodiment or example, unless explicitly stated otherwise. In addition, the consent to be obtained may be comprehensive or may be obtained on a case-by-case basis.

<Embodiment>
An embodiment is an embodiment in which an instruction to charge the balance that can be used in the payment service provided by the server 110 and an instruction for payment are included in one request.

According to the first embodiment, operations on the terminal 120 can be reduced in payment for purchasing products. Therefore, in the embodiment, it is possible to reduce the burden on the user and improve convenience.

<Functional configuration of the first embodiment>
Functional configurations of the server 110 and the terminal 120 will be described with reference to FIG. The functional units disclosed in FIG. 3 are implemented by cooperation of the processor 201, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205 included in the information processing apparatus 200. FIG.
(1) Server functional configuration
The server 110 has a transmission/reception unit 312 , a control unit 313 and a storage unit 314 . Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range.

The transmitting/receiving unit 312 transmits/receives data to/from the terminal 120 or the like according to an instruction from the control unit 313 . For example, when the user of the terminal 120 is authenticated by the user ID and password included in the login request from the terminal 120, the transmission/reception unit 312 connects a session for communication with the terminal 120 using HTTPS or the like. . Then, the communication address of the terminal 120, the user ID, and the like are stored in association with the ID of the connected communication session. Then, data is transmitted to the terminal 120 using the connected communication session.

The control unit 313 performs processing for providing the user of the terminal 120 with predetermined services such as payment services, financial services, and electronic commerce services. Details of the control unit 313 will be described later.

The storage unit 314 has a user information database 3141 and stores user information of the terminal 120 . Details of the user information database 3141 will be described later. Further, the storage unit 314 stores programs and the like executed in the server 110 .

The control unit 313 of this embodiment has a display processing unit 315 , an amount calculation unit 316 , a charge processing unit 317 , a settlement unit 318 , an output unit 319 and a privilege provision unit 320 .

The display processing unit 315 causes the terminal 120 to display various screens.

The amount calculation unit 316 calculates the amount of charge (charge amount) based on a request from the terminal 120 . Note that the amount calculation unit 316 may determine whether or not the holding balance is less than the product price, or whether or not the calculated charge amount is less than a predetermined amount.

The charge processing unit 317 communicates with the external server 140 via the transmission/reception unit 312 and charges the balance held by the user who made the request. In addition, when the user has registered multiple bank accounts, the charge processing unit 317 may select a bank account from which money is to be deposited into the held balance according to predetermined conditions.

The predetermined conditions are, for example, the most recently used bank account, the bank account with the largest balance, the bank account preselected by the user, and the including the bank account to which the sales proceeds of the purchased products are to be deposited. Also, the predetermined condition is not limited to this, and may be various conditions. For example, the predetermined condition may be a bank account frequently used by the user.

The settlement unit 318 performs settlement in response to a settlement request for the payment amount from the terminal 120 . The output unit 319 outputs various information from the server 110 to the terminal 120 and the external server 140 via the transmission/reception unit 312 .

The privilege granting unit 320 grants the user a privilege corresponding to the charged amount and the product price when the settlement by the settlement unit 318 fails. The benefits of this embodiment are points, coupons, etc., and can be used for payment in the settlement service provided by the server 110 .
(2) Terminal functional configuration
The terminal 120 has a reception unit 321 , a transmission/reception unit 322 , a control unit 323 and a storage unit 324 . Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range.

The reception unit 321 receives various operations and the like from the user of the terminal 120 .

The transmitting/receiving unit 322 transmits/receives data to/from the server 110 or the like according to an instruction from the control unit 323 . For example, when logging in to the server 110, the transmission/reception unit 322 connects a session for communication with the server 110 using HTTPS or the like. Then, the communication address of the server 110 and the like are stored in association with the ID of the connected communication session. Then, it transmits data to the server 110 using the connected communication session.

The control unit 323 performs processing for using services such as settlement services, financial services, and electronic commerce services provided by the server 110 .

The storage unit 324 stores programs and the like executed by the terminal 120 .

(3) Example of User Information Storage Section The user information database 3141 of this embodiment will be described below with reference to FIG. FIG. 4 is a diagram illustrating an example of a user information storage unit according to the first embodiment;

The user information database 3141 of this embodiment has user ID, user name, balance, borrowing limit, borrowing amount, points, payment history, payment method, bank account, etc. as information items. In the user information database 3141, the item "user ID" is associated with other items.

The value of the item “user ID” indicates user identification information for identifying a user such as a payment service provided by the server 110 . The value of the item "user name" indicates the name of the user.

The value of the item "balance" indicates the balance of the amount that the user can use for payment. Specifically, the item "balance" is associated with the items "holding balance" and "borrowable balance". The value of the item “holding balance” is the amount of money deposited in the server 110 by the user. The amount of money deposited by the user into the server 110 may include, for example, the price of the product sold by the user using the electronic commerce service provided by the server 110 . Also, for example, the amount charged using a bank, a credit card, and a cash register at a store may be included. The value of the item "borrowable balance" is the amount obtained by subtracting the borrowed amount from the borrowing limit amount.

The value of the item "borrowing limit amount" is the maximum amount that the user can borrow from the operator of the server 110 for settlement during a predetermined period (for example, one month). In other words, the borrowing limit is the maximum settlement amount that the user can settle by borrowing from the operator of the server 110 for a predetermined period.

The value of the item “borrowed amount” is the total amount borrowed from the operator of the server 110 for use by the user for each payment during the predetermined period. The total amount borrowed may be settled monthly.

The value of the item “points” is, for example, points that the user is given by the server 110 and that can be used for payment. It should be noted that 1 point may be used to pay 1 yen.

The value of the item "payment history" indicates the payment history of the corresponding user. Specifically, the value of the item "payment history" is, for example, information specifying the website where the corresponding user made payment using the payment service provided by the server 110, or Information about the purchased product may also be included.

The value of the item “payment method” indicates the payment method used by the user in the payment service provided by the server 110 . Specifically, the settlement method includes, for example, a method of paying the price by a post-payment service, a method of paying the price by a charge-payment service, and the like.

The deferred payment service is a deferred payment service in the settlement service provided by the server 110. For example, it is collected together with the purchase price of the product in the transaction service provided by the server 110, and is collectively paid within a predetermined period such as the end of the next month. It may also be a service that can be paid for by Also, the upper limit of the amount that can be paid in a lump sum by the deferred payment service may be the borrowing limit.

The charge payment service is, for example, a bank account or credit card associated with the account used by the user, or a store cash register, etc., held in the payment account associated with the user's account. In this method, the balance is charged (charged), and the charged amount is used to pay the price.

The value of the item "bank account" indicates the bank account owned by the user. The value of the item "bank account" may include information for logging in to a transaction service (internet banking) provided via the Internet by an external server corresponding to the bank.

In the example of FIG. 4, for example, a user whose user ID is “001” and whose name is “user A” has a holding balance of 1,300 yen, a borrowable balance of 10,000 yen, and a borrowing limit of 10,000 yen. , the borrowing amount is 0 yen, and 100 points are held.

<Operation processing of the embodiment>
Processing of the communication system 1 according to the embodiment will be described with reference to FIG. FIG. 5 shows an example of a processing sequence of the communication system 1 according to the embodiment.

In the communication system 1 of the present embodiment, when a certain product is selected as a product to be purchased from products sold through the service provided by the server 110 (step S501), the terminal 120 selects A request to display a payment screen for the purchased product is sent to the server 110 (step S502). This display request includes the user ID of the terminal 120 user.

In the present embodiment, it is assumed that the terminal 120 displays a screen for selecting the payment method for the product and selects the charge payment service before the product is selected.

In addition, in the present embodiment, a screen for selecting a payment method is displayed so that the charge payment service can be selected only when the balance held is less than the price of the product. do not have. It is also possible to provide the user with purchase and charge at the same time by allowing the user to select arbitrarily regardless of whether or not the holding balance is less than the product price.

When the display request including the user ID is received, the server 110 causes the display processing unit 315 to transmit a payment screen display instruction to the terminal 120 (step S503). This settlement screen may be a screen including the sub-user ID and the corresponding holding balance. Specifically, the server 110 may refer to the user information database 3141 and transmit the user ID included in the display request and the corresponding holding balance to the terminal 120 together with the display instruction.

The terminal 120 receives the display instruction and displays the settlement screen (step S504). Subsequently, when the terminal 120 receives an instruction to purchase a product by charge payment on the settlement screen, the terminal 120 transmits a charge and settlement request to the server 110 (step S505).

That is, one request transmitted from the terminal 120 to the server 110 in step S505 includes a charge request for charging the server 110 and a settlement request for settlement. The request also includes the user ID of terminal 120 . In other words, the terminal 120 transmits one request including a deposit request and a payment request to the server 110 in response to one user operation on the payment screen.

Subsequently, the terminal 120 displays a screen indicating that charging and settlement processing is in progress (step S506).

When the server 110 receives the charge and payment request, the display processing unit 315 changes the state of the product for which the purchase instruction (payment instruction) is made on the terminal 120 from the selectable state to the unselectable state ( step S507).

Specifically, when a product for which a purchase instruction has been issued on the terminal 120 is selected on another terminal 120, the server 110 causes the product screen displayed on the other terminal 120 to indicate that the product is being purchased. display information indicating that In this case, on the product screen displayed on the other terminal 120, acceptance of an operation to select this product as a product to be purchased is prohibited.

Therefore, in this embodiment, while the server 110 is in the process of purchasing a certain product, it is possible to prevent redundant payment instructions from other terminals 120 for the same product.

Next, the server 110 uses the amount calculation unit 316 to determine whether or not the balance held by the user is equal to or greater than the price of the product, and if the balance held by the user is less than the price of the product, the charge amount is calculated (step S508). . Specifically, the amount calculation unit 316 calculates the charge amount according to the item price when purchasing the item, the user information holding balance associated with the user ID, and the like.

The charge amount is, for example, the amount that becomes the product price when combined with at least one of the balance used by the user, points, coupons, and the like. In other words, it is the amount of difference between the total electronic value such as the user's holding balance, points, coupons, etc., and the product price. Note that the charge amount is not limited to this, and may be equal to or more than the amount of the difference from the product price. More specifically, when the amount of difference from the product price is 1980 yen, the charge amount may be 2000 yen or 3000 yen. Thereby, the user can secure a balance that can be used for the next payment by one operation.

Subsequently, the server 110 communicates with the external server 140, and the charge processing unit 317 charges the user's bank account specified by the user ID with the calculated amount (electronic value) to the user's balance. ) (step S509).

At this time, if there are a plurality of bank accounts corresponding to the user ID in the user information database 3141, the charge processing unit 317 selects the bank account to be the source of payment according to the above-described predetermined conditions, and selects the selected bank account. Charges the user's balance from the bank account.

When the charging is completed, the server 110 receives a charging completion notice from the external server 140 (step S510).

Subsequently, when the server 110 receives the charging completion notification, the settlement unit 318 performs settlement (step S511). In other words, when the server 110 receives the charge completion notification, the server 110 performs the product purchase process using the electronic value added by the charge.

In this way, when the server 110 receives one request including a charge instruction and a payment instruction from the terminal 120 in response to one operation on the terminal 120, the server 110 performs charge processing and payment processing (purchase processing). .

Therefore, in the present embodiment, there is no need to perform multiple operations such as issuing a payment instruction after issuing a charging instruction at the terminal 120, and the number of operations at the terminal 120 can be reduced, thereby improving user convenience. can be improved.

The processing of steps S512 and S513 below is processing when the settlement is successful. When the payment is successful, the server 110 uses the output unit 319 to transmit a payment completion notice to the terminal 120 (step S512). When the terminal 120 receives the payment completion notification, it displays a purchase completion screen (step S513).

The processing from step S514 to step S516 below is an example of the processing when settlement fails. When the payment is unsuccessful, the server 110 gives a privilege to the user by the privilege giving unit 320 (step S514).

Specifically, the privilege granting unit 320 grants predetermined points to the user. For example, the privilege granting unit 320 adds points equivalent to a predetermined percentage of the product price to the points possessed by the user.

Subsequently, the server 110 uses the output unit 319 to transmit a privilege provision notification to the terminal 120 (step S515). Note that this privilege provision notification includes information indicating that the payment has failed. The terminal 120 displays a notification screen when receiving the privilege provision notification (step S516).

The processing from step S517 to step S520 below is another example of the processing when settlement fails. When the settlement fails, the server 110 communicates with the external server 140, and the charge processing unit 317 refunds the amount charged in step S509 to the original bank account (step S517).

Subsequently, the server 110 gives a privilege to the user by the privilege giving unit 320 (step S518). Specifically, the privilege granting unit 320 adds points equivalent to a predetermined percentage of the charged amount to the points possessed by the user.

Subsequently, the server 110 uses the output unit 319 to transmit a privilege provision notification to the terminal 120 (step S519). It should be noted that this privilege provision notification includes information indicating that the payment has failed and information indicating that the charged amount has been refunded to the bank account. The terminal 120 displays a notification screen when receiving the privilege provision notification (step S520).

In the present embodiment, when the server 110 receives a charge and payment request, the server 110 performs payment after charging, but the present invention is not limited to this.

When the server 110 receives the charge and payment request, the server 110 adds the charge amount to the balance held by the user to make a payment, and after the payment is made, causes the external server 140 to transfer the charge amount to the server 110. Also good.

In other words, upon receiving a charge and payment request, the server 110 adds an amount corresponding to the charge amount to the user's balance and performs payment processing. , the amount added by the server 110 may be obtained.

In this embodiment, the user's balance is charged from the user's bank account balance, but the present invention is not limited to this. The user's balance may be topped up via the user's credit card or other electronic payment methods.

<Display Mode of Terminal 120 of Embodiment>
Display modes of the terminal 120 will be described below with reference to FIGS. 6 to 10. FIG. FIG. 6 shows an example of screen transitions displayed on the terminal according to the embodiment.

A screen 61 shown in FIG. 6 is an example of a payment screen displayed on the terminal 120 in step S504 of FIG.

The screen 61 has a display column 62 and a display column 63 . An image of the product is displayed in the display field 62 . The display column 63 displays purchase confirmation items.

Specifically, the display column 63 includes a product price display column 64, a used balance display column 65, a payment amount display column 66, a payment method display column 67, and a charge and settlement request transmission field. An operation button 68 is displayed.

In the display column 63, the product price is 4,600 yen, and the balance (holding balance) used for payment is 1,300 yen, so the payment amount is 3,300 yen. That is, in this case, the charged amount is 3300 yen or more.

When the operation button 68 is operated, the terminal 120 includes the charge instruction and the product payment instruction in one request, transmits the request to the server 110 , and causes the screen 61 to transition to the screen 71 .

Note that, in the present embodiment, before the payment screen 61 is displayed on the terminal 120, a confirmation screen may be displayed for the user to confirm the payment method, the holding balance, and the like.

A notification 73 is displayed in a display field 72 on the screen 71 . The notification 73 includes a message indicating that 3,300 yen has been charged to purchase the product.

In other words, the screen 71 notifies that the server 110 is performing charge processing and settlement processing in response to a request from the terminal 120 .

When the charging process and the settlement process according to the request from the terminal 120 are completed, the screen 71 transitions to the screen 91 on the terminal 120 . A screen 91 is an example of a purchase completion screen displayed on the terminal 120 in step S513 of FIG.

A screen 91 displays a notification 92 indicating that the purchase of the product has been completed. In this embodiment, by displaying this notification 92 on the terminal 120, the user of the terminal 120 can be notified that the charge process and the purchase process have been completed.

FIG. 7 shows an example of a display mode of another terminal during charging and payment processing according to the embodiment. A screen 81 shown in FIG. 7 is a screen displayed on a terminal 120 other than the terminal 120, and is a product screen changed to a state in which the product is being purchased by the processing of the server 110 in step S507 of FIG. shows an example of

More specifically, on the screen 81, after the server 110 receives a charge and payment request from the terminal 120 in step S505 and before sending a payment completion notice to the terminal 120 in step S513, the product is An example of a product screen displayed on the other terminal 120 when selected by the user of the other terminal 120 is shown.

The screen 81 includes a display field 62 displaying an image of the product and a display field 82 indicating the state of the product. The display column 82 displays "Purchasing". This indicates that the product whose image is displayed in the display field 62 is being purchased by a user other than the user of the other terminal 120 who is instructing payment.

In this embodiment, when the display field 82 indicates "Purchasing", the user of another terminal 120 cannot issue a payment instruction for this product. Therefore, the server 110 can prevent receiving payment instructions from a plurality of terminals 120 for the same product.

FIG. 8 shows an example of a display mode of a terminal when settlement fails, according to the embodiment. Screen 101A in FIG. 8 is an example of a notification screen displayed on terminal 120 in step S516 in FIG.

Notification 102A is displayed on screen 101A. The notification 102A includes a message indicating that the payment has failed, and a message indicating that points equivalent to the amount charged in step S509 have been given as a privilege when the payment has failed.

FIG. 9 shows another example of the display mode of the terminal when settlement fails, according to the embodiment. Screen 101B in FIG. 9 is an example of the notification screen displayed on terminal 120 in step S520 in FIG.

A notification 102 is displayed on the screen 101B. The notification 102B is a message indicating that the payment has failed, a message indicating that the amount charged in step S509 has been returned to the original bank account, and a message indicating that points have been given as a privilege when the payment fails. message.

As described above, in the present embodiment, a privilege may be given to the user when the payment is unsuccessful.

FIG. 10 shows another example of the display mode of the terminal displaying the payment screen according to the embodiment. A screen 61A shown in FIG. 10 is an example of a payment screen displayed on the terminal 120 in step S504 of FIG.

The screen 61A has a display column 62 and a display column 63A, and shows a case where the balance held and points are used for payment.

The display field 63A includes a product price display field 64, a used balance display field 65, a product price and payment amount display field 66A, a payment method display field 67, and an operation button 68 for transmitting charge and settlement requests. , a point display column 69 is displayed.

In the display column 63, the product price is 4,600 yen, the points used for payment are 300 points, and the balance (holding balance) used for payment is 1,300 yen, so the payment amount is 3,000 yen. That is, in this case, the charged amount is 3000 yen or more.

Whether or not to use both the balance and points for payment may be selected when the charge payment service is selected as the payment method.

<<First embodiment>>
The first embodiment is an embodiment in which the user selects the charging amount.

More specifically, in the first embodiment, when the charge amount is less than the predetermined amount, the charge amount is selected so that the charge amount is equal to or greater than the predetermined amount.

<<Effects of the first embodiment>>
According to the first embodiment, by allowing the user to select the charge amount, it is possible to obtain the effect that the charge amount when using the charge payment service can be set to a certain amount or more.

<<Operation processing of the first embodiment>>
Processing of the communication system 1 according to the embodiment will be described with reference to FIG. 11 . FIG. 11 shows an example of the processing sequence of the communication system 1 according to the first embodiment.

Since the processing from step S1101 to step S1108 in FIG. 11 is the same as the processing from step S501 to step S508 in FIG. 5, description thereof is omitted.

If the charge amount calculated in step S1108 is less than the predetermined amount, the amount calculation unit 316 transmits an instruction to display a charge amount selection screen to the terminal 120 (step S1109). The predetermined amount is, for example, 1000 yen.

Upon receiving this display instruction, the terminal 120 displays a charge amount selection screen (step S1110). When the charge amount is selected on the selection screen, the terminal 120 transmits the selection result to the server 110 (step S1111).

Subsequently, the server 110 transmits to the terminal 120 an instruction to display a screen for confirming the amount of money to be paid as a result of charging the selected amount of charge and the remaining balance (step S1112).

Upon receiving this display instruction, the terminal 120 displays a confirmation screen (step S1113). Subsequently, when the terminal 120 accepts an operation for requesting charging and payment on the confirmation screen, it transmits the request for charging and payment to the server 110 (step S1114).

When the server 110 receives the charge and settlement request, the charge processing unit 317 charges the selected amount of money (step S1115).

Since the processing from step S1116 to step S1119 in FIG. 11 is the same as the processing from step S510 to step S513 in FIG. 5, description thereof is omitted.

<<Display Mode of Terminal 120 of First Embodiment>>
FIG. 12 shows an example of a display mode of a terminal displaying a charge amount selection screen according to the first embodiment. A screen 141 shown in FIG. 12 is an example of a screen displayed on the terminal 120 in step S1110 of FIG.

The screen 141 includes a display column 62 in which an image of a product is displayed, and a display column 142 for selecting a charging amount.

The display field 142 includes a message 143 prompting the user to select a charge amount, options 144 for charge amount, and an operation button 145 for transmitting the selection result to the server 110 .

In the example of FIG. 12, 1,000 yen, 3,000 yen, and 5,000 yen are displayed as the options 144, but the charge amounts displayed in the options 144 are not limited to these.

Also, the charge amount may not be displayed as an option, and may be arbitrarily input by the user as long as the amount is equal to or greater than a predetermined amount.

FIG. 12 shows an example of a display mode of a terminal displaying a payment screen according to the first embodiment. A screen 151 shown in FIG. 12 is an example of a payment screen displayed on the terminal 120 in step S1104 of FIG. 11, and shows an example in which the charge amount is less than 1000 yen.

The screen 151 has a display column 62 and a display column 152 . An image of the product is displayed in the display field 62 . The display column 152 displays purchase confirmation items.

More specifically, the display column 152 displays a product price display column 64, used coupons, points, balance balance display column 153, payment amount display column 154, charge amount and balance balance after payment. A display field 155 for the payment method, a display field 67 for the payment method, and an operation button 68 for transmitting a charge and payment request are displayed.

From the display column 153, it can be seen that a coupon worth 400 yen and points worth 300 yen will be used in addition to the balance of 3300 yen. As a result, the payment amount displayed in the display column 154 is 600 yen, which is less than 1000 yen.

In addition, in the display column 155, the charge amount is 3000 yen, and it can be seen that "3000 yen charge amount" was selected on the charge amount selection screen shown in FIG.

Also, the display column 155 displays the balance after the payment amount is paid. In the example of FIG. 12, the product price is 4,600 yen, and in addition to the holding balance of 3,300 yen, a coupon worth 400 yen and points worth 300 yen are used.

Further, since the payment amount is 600 yen, the display field 155 displays that the holding balance will be 2400 yen when charging and purchasing the product are performed.

As described above, in this embodiment, when the payment amount is a small amount less than a predetermined amount, the charge amount can be selected from amounts equal to or larger than a predetermined amount.

Therefore, in the present embodiment, it is possible to reduce the processing load caused by frequent charging of small amounts by the user.

<<Second embodiment>>
The second embodiment is an embodiment in which the user is made to select a payment method when charging fails.

<<Effect of Second Embodiment>>
According to the second embodiment, it is possible to obtain the effect that even if charging fails, settlement can be made using another payment method.

<<Operation processing of the second embodiment>>
Processing of the communication system 1 according to the embodiment will be described with reference to FIG. 14 . FIG. 14 shows an example of the processing sequence of the communication system 1 according to the second embodiment.

Since the processing from step S1401 to step S1409 in FIG. 14 is the same as the processing from step S501 to step S509 in FIG. 5, description thereof is omitted.

The charge processing unit 317 receives an error notification from the external server 140 when an error occurs in the charge processing of step S1409 (step S1410). A case where an error occurs in the charging process may be, for example, a case where communication between the server 110 and the external server 140 is disconnected.

When the server 110 receives the error notification from the external server 140, the server 110 transmits a notification indicating that the charging process has failed to the terminal 120 (step S1411).

Upon receiving this notification, the terminal 120 displays an error screen for the charging process (step S1412). Subsequently, when receiving an operation to send a payment method selection request on the error screen, the terminal 120 sends a payment method selection request to the server 110 (step S1413).

When server 110 receives this selection request, server 110 transmits an instruction to display a selection screen for selecting a payment method to terminal 120 (step S1414). Upon receiving this display instruction, the terminal 120 displays a payment method selection screen (step S1415).

Subsequently, when receiving an operation to select a payment method on the payment method selection screen, the terminal 120 transmits the selection result to the server 110 (step S1416).

Upon receiving the selection result, the server 110 performs settlement based on the selected payment method (step S1417).

<<Display Mode of Terminal 120 of Second Embodiment>>
FIG. 15 shows an example of a display mode of a terminal displaying an error screen according to the second embodiment. A screen 171 shown in FIG. 15 is an example of a screen displayed on the terminal 120 in step S1412 of FIG.

A screen 171 displays a notification 172 including a message indicating that the charging process has not been completed and a message prompting the user to change the payment method. The screen 171 also displays an operation button 173 for transmitting a payment method selection request to the server 110 .

When the operation button 173 is operated, the terminal 120 transmits a payment method selection request to the server 110 .

FIG. 16 shows an example of a display mode of a terminal displaying a payment method selection screen according to the second embodiment. A screen 181 shown in FIG. 16 is an example of a screen displayed on the terminal 120 in step S1415 of FIG.

Screen 181 includes display column 182 , display column 183 , display column 184 , and operation button 185 . The display column 182 displays information about the product including the price of the product. A display field 183 displays a message prompting the user to select a payment method. The display field 184 displays payment method options. The operation button 185 is a button for transmitting the selected payment method to the server 110 as a selection result.

The display column 184 includes, as payment method options, a payment method using points other than the charge payment service, a payment method using the held balance, and a payment method using the deferred payment service.

Note that the options displayed in the display field 184 are not limited to the example shown in FIG. 16 . Payment method options may include payment methods using credit cards, payment methods from other bank accounts, and the like.

In this way, by switching the display to the payment method selection screen when the charging process is not completed, the user can save the trouble of returning to the product screen and changing the payment method. Convenience can be improved.

100 Communication system 110 Server 120 Terminal 140 External servers 312, 322 Transmission/reception units 313, 323 Control units 314, 324 Storage unit 315 Display processing unit 316 Amount calculation unit 317 Charge processing unit 318 Settlement unit 319 Output unit 320 Privilege granting unit 3141 User information database

Claims (16)

to the information processing terminal,
a process of displaying a payment screen;
a payment request requesting payment to the user's payment account in response to one operation of the user on the payment screen; and a payment request for making payment using the electronic value added by the payment; A program for executing a process of transmitting a request containing to an information processing device. The deposit request is
2. The program according to claim 1, which requests payment from a bank account associated with said user's account to said settlement account. to the information processing terminal,
3. The program according to claim 2, further executing a process of displaying a selection screen in which a plurality of payment methods including the payment method using the electronic value added by the payment is displayed as options. to the information processing terminal,
4. The program according to claim 2, further causing a process of displaying an error screen when receiving a notification indicating that said payment has failed in response to said request. to the information processing terminal,
Displaying a payment method selection screen in which a payment method other than the payment method using the electronic value added by the payment is selected when a notification indicating that the payment has failed is received in response to the request. 5. The program according to any one of claims 2 to 4, further causing a process of performing to the information processing terminal,
In response to the request, when receiving a notification indicating that the payment has failed, notifying that a privilege corresponding to the electronic value added by the payment has been granted to the payment account of the user. 6. The program according to any one of claims 2 to 5, further causing a process of displaying a screen to be displayed. to the information processing terminal,
In response to the request, when a notification indicating that the payment has failed is received, an amount corresponding to the electronic value added by the payment is refunded to the bank account for the payment account of the user. 7. The program according to any one of claims 2 to 6, further causing a process of displaying a screen for notifying that a message has been received. 8. The program according to any one of claims 2 to 7, wherein the bank account associated with the user's account is the most recently used bank account . 8. The bank account associated with the user's account is a bank account into which sales proceeds of products sold by the user in an electronic commerce service provided by the information processing device are deposited . 1. The program according to item 1 . 8. A program according to any one of claims 2 to 7, wherein the bank account associated with said user's account is a bank account selected by said user. The selection screen is
4. The program according to claim 3, wherein when the electronic value held in the payment account is less than the product price, a payment method using the electronic value added by the payment can be selected. to the information processing terminal,
When the difference between the electronic value held in the payment account and the price of the product is less than a predetermined amount, a process of displaying a screen allowing the user to determine the amount of the electronic value added by the deposit. further execute
A program according to any one of claims 1 to 11 . The screen for determining the amount is
including an option to select the amount of electronic value added by the deposit,
13. The program according to claim 12 , wherein the amount of the selected electronic value is equal to or greater than the predetermined amount. a display processing unit that displays a payment screen;
a payment request requesting payment to the user's payment account in response to one operation of the user on the payment screen; and a payment request for making payment using the electronic value added by the payment; and an output unit that transmits a request containing to the information processing device. The information processing terminal
a process of displaying a payment screen;
a payment request for requesting payment to the user's payment account in response to one operation of the user on the payment screen; and a payment request for making payment using the electronic value added by the payment; and a process of transmitting a request containing to an information processing device. The information processing device
A process of displaying a payment screen on an information processing terminal;
a payment request requesting payment to the user's payment account in response to one operation of the user on the payment screen; and a payment request for making payment using the electronic value added by the payment; a process of receiving a request containing
payment processing based on the payment request;
and an information processing method for executing payment processing based on the payment request.

Images