JP7278674B2 - payment system - Google Patents

Description

The present invention relates to payment systems.

2. Description of the Related Art Conventionally, there is a payment system in which payment is made by reading a bar code (for example, a QR code (registered trademark), which is an example of a two-dimensional bar code) placed at a storefront with a customer's terminal.

JP 2020-173534 A

However, in the settlement system using the QR code described above, each settlement person who operates the settlement system has its own infrastructure for the settlement system. That is, for example, each of the payers had to build a payment system and have the store install the payment system. At this time, the store required considerable costs, such as providing various information about the store itself to the payer, placing a QR code at the store, and the like.
In addition, when introducing a payment system with new characteristics, it was necessary to build a system separate from the conventional payment system and introduce it to the store. As a result, there are currently many payment systems using various QR codes. In other words, the convenience of introducing a new settlement system is desired, but it is not sufficient.
Details will be described later, but if it becomes possible to make payments based on values that differ from the price of conventional products, the development of new services will provide features and convenience in payments. However, similar to the above, the introduction of a settlement system that allows settlement with such a new value requires a considerable amount of labor.

The present invention has been made in view of such circumstances, and an object of the present invention is to improve convenience in a settlement system.

In order to achieve the above object, a payment system according to one aspect of the present invention includes:
A product transferor terminal operated by a product transferor who transfers a prescribed product or service as a product to a customer for a prescribed consideration;
a settlement person terminal operated by a settlement person who settles a settlement for the customer for the predetermined consideration for the product or the like with a first value;
a customer terminal operated by the customer;
a settlement agent terminal operated by a settlement agent who requests the settlement agent to settle the first value when the customer uses the second value for settlement of the product, etc.;
For settlement to which first settlement information is attached, which is held by the commodity transferor and includes information necessary for the settlement party to settle with the first value and information that can identify the commodity transferor a medium;
In a payment system comprising
The customer terminal
a second value acquiring means for acquiring the right to use the second value of at least the predetermined consideration;
a first payment information obtaining means for obtaining the first payment information;
providing the first payment information, the second value information indicating the use of the second value corresponding to the predetermined consideration, and the customer information that can identify the customer to the payment agent terminal as second payment information; 2 payment information providing means;
with
The payment agent terminal is
a second payment information obtaining means for obtaining the second payment information;
value conversion means for executing a process of converting the second value indicated by the second value information into the first value;
Third payment information provision for providing the first payment information, the first value information indicating the use of the first value converted by the value conversion means, and the customer information as third payment information to the payer terminal. means and
The settlement party terminal
a third payment information obtaining means for obtaining the third payment information;
payment processing execution means for executing a process of paying the customer for the predetermined consideration for the product, etc., at the first value based on the third payment information;
Prepare.

ADVANTAGE OF THE INVENTION According to this invention, the convenience at the time of introducing a new settlement system can be improved.

1 is a diagram showing an overview of a service (hereinafter referred to as "this service") that can be implemented by an information processing system according to one embodiment of the present invention; FIG. 1 is a diagram showing the configuration of an embodiment of an information processing system of the present invention; FIG. 3 is a block diagram showing an example of a hardware configuration of a service provider server 1 in the information processing system of FIG. 2; FIG. 4 is a functional block diagram showing an example of the functional configuration of the information processing system of FIG. 3; FIG. 2 is a diagram showing an example of a form related to distribution of community currency in a community currency campaign using the service of FIG. 1; FIG. 6 is a diagram showing an example of a screen of a regional PAY application installed in a customer terminal using the form of FIG. 5; FIG. FIG. 7 is a diagram showing an example of a menu screen regarding regional currency in the regional PAY application of FIG. 6; FIG. 8 is a diagram showing an example of a screen when a charging operation is performed in the local PAY application of FIG. 7 and the local currency is charged from the form shown in FIG. 5; FIG. 9 is an example of a menu screen related to the community currency shown in FIG. 7 after charging the community currency shown in FIG. 8; It is a figure which shows the mode of payment in a shop. FIG. 11 is a diagram showing an example of a screen of the local currency application after payment at the store shown in FIG. 10;

An embodiment of the present invention will be described below with reference to the drawings.
FIG. 1 is a diagram showing an outline of this service that can be realized by an information processing system according to one embodiment of the present invention.

Information transfer and the like between users of this service will be described along each step in FIG.
This service supports settlement with other value in place of the conventionally used value when a predetermined product or service is provided as a product or the like at a predetermined price.
That is, for example, conventionally, cash and electronic money have the same value as legal currency, and function as means of payment for a predetermined consideration. For example, legal currency cash (money) in a certain country is accepted at the value of the legal currency unit (for example, yen) in the country.

In this service, in addition to the conventional customer C, store S, and QR code settlement person QP, local government PE that intends to provide services that provide other values, and service provider SA of this service exchanges various information.
Here, the customer C in this service is a person who intends to purchase a predetermined product or service as a product or the like for a predetermined price. Customer C uses this service by operating a terminal such as a smartphone owned by the customer (for example, customer terminal 3 in FIG. 2).
Also, the store S is a person who provides the customer C with a product or the like at a predetermined price. The store S records the payment status at the store S by operating the POS system (for example, the store terminal 4 in FIG. 2).
Conventionally, the customer C and the store S usually settle a predetermined consideration for a product or the like using cash or electronic money as described above, and the product or the like is normally provided to the customer C as the consideration.

Here, the QR code settler QP is a person who settles a predetermined consideration such as a product for the customer C with the first value. That is, the QR code settlement person QP conducts settlement business with the value of the unit of legal currency (for example, yen) as the primary value. Specifically, for example, conventionally, the QR code settler QP provides the store S and the customer C with a settlement system provided by the QR code settler QP. Specifically, for example, a plate or the like with a QR code prepared by the QR code settlement person QP is arranged at the store S. Then, store S and customer C make a payment using application software for QR code payment (hereinafter referred to as a "QR code payment application") provided by QR code payment person QP.
However, in the settlement system according to one embodiment of the present invention, customer C does not directly use the QR code settlement application provided by QR code settlement party QP, but through service provider SA of this service. can use the payment system provided by the QR code payer QP.
As a result, the service provider SA does not need to solicit the store S or install a payment terminal or a QR code for payment at the store S in order to use this service. It will be possible to provide this service to Similarly, store S can introduce this service more easily than introducing a new payment system.

Also, the local government PE may carry out campaigns to promote the use of retail stores (stores S) in specific areas under its jurisdiction (for example, by prefecture or by municipality). In the following, it is assumed that the local government PE conducts a campaign to issue currency that can be used only at stores S in specific areas.
That is, the local government PE uses its own budget as a source of funds and transfers it as community currency to people living in the specific area for a fee (for example, sells for 10,000 yen a local currency that enables purchases equivalent to 12,000 yen). Alternatively, it may be transferred free of charge to a person staying in the specific area (for example, a coupon that can be used for 3000 yen at a nearby store is distributed to the person staying).
Conventionally, such tickets that can only be used in specific areas have often been distributed in the form of tickets. Such distribution in the form of tickets complicates the management of tickets at stores and local governments, and is incompatible with cashless payments (such as QR code payments) that have advanced in recent years.
Unlike the first value, this service uses the second value that can be used only in a specific area to provide a highly convenient payment system that can be used at stores S in the specific area. be.

That is, this service has the following merits.
First, this service can reduce costs for local government PEs. In other words, the distribution of community currency entails a lot of costs such as ticket issuance and sales, ticket management, exchange of tickets collected at the store S, management of the store S, and the like. This service can solve many of these problems by using the settlement system by the QR code settlement person QP.

In addition, this service has the power to continuously give back to the community. That is, as will be described later in detail, by using the local currency of a specific region using this service, it is possible to redistribute points that can be used only in that specific region. As a result, it may be possible to improve the circulation of money in the area beyond the face value of the local currency.

In addition, this service is easy for retailers (stores S) to participate in. In other words, store S is freed from the cumbersomeness of managing local currency tickets and the like, and can register account information for new cashless payment services and use equipment (terminals) for new cashless payment services. , QR code, etc.) is not required. In other words, the store S can easily participate in campaigns for community currency or the like.

In addition, this service can improve customer C's satisfaction with contributing to the community. That is, the number of stores S that can be used increases because stores S can easily participate as described above. As a result, for the customer C, the number of stores S that can use the local currency increases, and the customer's awareness of contributing to the local community can be further enhanced.

The flow of using this service will be described below with reference to FIG.
First, as a premise, the QR code settlement person QP introduces the QR code settlement system to the store S, as shown in step ST11. That is, a plate with a QR code provided by the QR code payer QP is placed in the store S, and the payment system becomes available. At this time, the account information of the store S and the like are also provided to the QR code payer QP and managed appropriately.

Next, as shown in step ST12, the store S registers the local government PE to participate in the local currency campaign. The local government PE confirms that the store S is a store in a specific area, and manages the store S as a campaign target store.

Next, as shown in step ST13, store S participates in this service provided by service provider SA. Specifically, for example, on the premise that the local government PE uses this service for the campaign, the store S receives the information of the store S and the information including the QR code provided by the QR code settlement person QP. It is provided to the service provider SA as store information.
The service provider SA manages the store information as the information of the target store when the store S is the target store of the campaign based on the information provided by the local government PE. At this time, the service provider SA acquires and manages the QR code assigned to the store S by the QR code payer QP.

Next, the local government PE transfers the local currency to the customer C as shown in step ST21. Specifically, for example, a local government PE may transfer a local currency to a person living in a specific area for a fee (for example, sell a local currency that enables shopping equivalent to 12,000 yen for 10,000 yen), or stay in the specific area. (For example, a coupon that can be used for 3000 yen at a nearby store is distributed to the guest).

Next, as shown in step ST22, customer C registers for this service provided by service provider SA and manages the local currency (second value).
Here, two QR codes are printed on the paper described as a community currency campaign. The first QR code is embedded with information such as a URL (Uniform Resource Locator) for installing dedicated application software (hereinafter referred to as "dedicated application") for using this service. Customer C installs the dedicated application on the terminal owned by customer C by reading the first QR code.
By using the my page registration function provided by the service provider SA, the customer C can create a my page and manage the information (customer information) of the customer C himself/herself as a user.

Also, the second QR code is a QR code for reflecting the local currency transferred by the dedicated application. That is, the second QR code is embedded with information such as the amount of the community currency (the magnitude of the second value) and a unique serial code. Customer C can manage the transferred local currency on the dedicated application by reading the second QR code using the dedicated application. That is, the local currency can be charged by the charging function provided by the service provider SA. That is, the customer information of the customer C is managed in association with the local currency (second value).
In addition, in this service, in addition to the local currency (second value), it is also possible to charge a normal currency (first value) and make a settlement using both the first value and the second value at the same time. However, in order to simplify the explanation below, it is assumed that only the second value is charged and the purchase of the product is performed only with the second value.

Next, as shown in step ST31, when the customer C purchases a product or the like at the store S, the customer C activates a dedicated application and reads the QR code placed at the store S by the QR code payer QP. Thereby, the customer C is provided with the information specifying the store S.

Next, as shown in step ST32, customer C inputs the price of the product (first value) on the dedicated application. Then, the information of the QR code placed in the store S provided in step ST31, the price of the product, and the information specifying the customer C are provided to the service provider SA.

Next, as shown in step ST33, the service provider SA determines whether or not the customer C has more local currency (second value) than the price of the product (first value), or whether the store S has a local government PE Confirm whether the store is a target store for the campaign.
If customer C owns more local currency (second value) than the price of goods, etc. (first value), and store S is targeted for a campaign by the local government PE, as a result of confirmation, It is determined that payment can be made.

If it is determined that the settlement can be made, as shown in step ST34, the service provider SA asks the QR code settler QP to use the QR code placed at the store S by the QR code settler QP. , Settlement at the price of the product, etc. (first value).
Next, as shown in step ST35, the QR code settler QP notifies the settlement completion.

Next, as shown in step ST36, the service provider SA calculates the price of the product used for payment (first value) from the local currency (second value) of the customer C associated with the customer information. withdraw an appropriate amount.
Then, as shown in step ST37, the service provider SA notifies the customer C that the payment has been completed, the amount of the local currency (second value) after the payment is completed, and the like.
As a result, the customer C has completed the payment to the shop S for the predetermined price for the product.

Further, as shown in step ST41, the local government PE can confirm the usage status of the local currency, etc., by accessing the system of the service provider SA using a WEB browser or the like when necessary.
In addition, as shown in step ST42, the QR code settlement person QP is appropriately transferred the predetermined consideration settled to the store S (in some cases, the amount after deducting the usage fee for the QR code settlement).
In this way, for the store S, there is no difference between the direct use of the service by the QR code payer QP and the use of this service, so convenience such as fund management is impaired. will not be

Although not shown, the funds and the like to be paid by the QR code payer QP to the store S may be delivered at any time. Specifically, for example, in step ST34, the service provider SA or the local government PE may perform processing for electronically transferring the funds or the like when providing to the QR code settlement person. Further, for example, processing may be performed to collect funds and the like on a predetermined date and electronically transfer the funds and the like from the service provider SA or the local government PE to the QR code settlement party QP.

The outline of this service has been described above with reference to FIG.
The configuration of an information processing system related to the provision of this service will be described below with reference to FIGS. 2 to 4. FIG.

FIG. 2 is a diagram showing the configuration of an embodiment of the information processing system of the present invention.
The information processing system shown in FIG. 3 is configured to include a service provider server 1 , a local government terminal 2 , a customer terminal 3 , a store terminal 4 and a QR code settlement party server 5 .

The service provider server 1, the service provider server 1, the local government terminal 2, the customer terminal 3, the store terminal 4, and the QR code settlement server 5 are mutually connected via a predetermined network NW such as the Internet. It is connected.

The service provider server 1 is an information processing device managed by the service provider SA. The service provider server 1 communicates with the local government terminal 2, the customer terminal 3, the shop terminal 4, and the QR code settlement party server 5, and executes various processes for realizing this service.

The service provider server 1 is managed by the service provider SA, and manages and exchanges various information related to the provision of this service. That is, in FIG. 1, exchange of various information that has been performed via the service provider SA is performed via the service provider server 1. FIG.

The local government terminal 2 is an information processing device used by a person in charge of the local government PE.
The customer terminal 3 is an information processing device such as a smart phone used by the customer C. FIG.
The store terminal 4 is an information processing device used by a person in charge of the store S or the like. For example, the person in charge of the store S can use the store terminal 4 to register for the use of this service and to check the sales in the local currency.

The QR code payer server 5 is an information processing device managed by the QR code payer QP. That is, the QR code settler server 5 is a server related to the QR code settlement system operated by the QR code settler QP.
It should be noted that, in the explanation of FIG. 1, information exchange and the like between the respective parties are basically carried out through the information processing devices possessed by the respective parties.

FIG. 3 is a block diagram showing an example of the hardware configuration of the service provider server 1 in the information processing system of FIG. 2. As shown in FIG.

The service provider server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a bus 14, an input/output interface 15, an output unit 16, an input A unit 17 , a storage unit 18 , a communication unit 19 and a drive 20 are provided.

The CPU 11 executes various processes according to programs recorded in the ROM 12 or programs loaded from the storage unit 18 to the RAM 13 .
The RAM 13 also stores data necessary for the CPU 11 to execute various processes.

The CPU 11 , ROM 12 and RAM 13 are interconnected via a bus 14 . An input/output interface 15 is also connected to this bus 14 . An output unit 16 , an input unit 17 , a storage unit 18 , a communication unit 19 and a drive 20 are connected to the input/output interface 15 .

The output unit 16 is configured by a display such as liquid crystal, and displays various images.
The input unit 17 is composed of various hardware buttons and the like, and inputs various kinds of information according to the instruction operation of the operator.

The storage unit 18 is composed of a DRAM (Dynamic Random Access Memory) or the like, and stores various data.
The communication unit 19 controls communication with other devices via a network NW including the Internet.

A drive 20 is provided as required. A removable medium 41 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory is mounted in the drive 20 as appropriate. A program read from the removable medium 41 by the drive 20 is installed in the storage unit 28 as required. The removable medium 41 can also store various data stored in the storage section 28 in the same manner as the storage section 28 .

Although not shown, the local government terminal 2, the customer terminal 3, the store terminal 4, and the QR code settlement server 5 in the information processing system of FIG. 3 also have the hardware configuration shown in FIG. ing. Note that the customer terminal 3 and the store terminal 4 may be a smart phone or the like provided with a touch panel or the like in which the output unit 16 and the input unit 17 are integrated.

By cooperating various hardware and software of the service provider server 1, the local government terminal 2, the customer terminal 3, the store terminal 4, and the QR code settlement server 5 shown in FIG. , the local government terminal 2, the customer terminal 3, the store terminal 4, and the QR code payer server 5 can execute various processes. As a result, the service provider SA can provide the above-described present service to the user company UC and the customer C. FIG.

4 is a functional block diagram showing an example of the functional configuration of the information processing system of FIG. 3. As shown in FIG.

As shown in FIG. 4, in the service provider server 1, at least a second payment information acquisition section 101, a value conversion section 102, and a third payment information provision section 103 function.
One area of the storage unit 18 of the service provider server 1 is provided with a store information DB 151 and a customer information DB 152 .
Also, in the customer terminal 3, at least the second value acquisition unit 301, the first payment information acquisition unit 302, and the second payment information provision unit 303 function.
Also, in the QR code payer server 5, at least the third payment information acquisition unit 501 and the payment processing execution unit 502 function.

The service provider server 1 acquires store information about the store S targeted for this service in steps ST11 to ST13 of FIG. The acquired store information is stored and managed in the store information DB 151 in advance.

Further, the service provider server 1 acquires customer information about the customer C in steps ST21 and ST22 of FIG. The acquired customer information is stored and managed in the customer information DB 152 in advance.
The customer information includes various information such as the name of the customer C and information such as the balance of the local currency (second value).
The functions exhibited by each functional block in steps ST31 to ST37 in FIG. 1 will be described below.

The second value acquisition unit 301 of the customer terminal 3 acquires the right to use local currency (second value) of at least a predetermined value of goods or the like. That is, the second value acquisition unit 301 acquires the right to use local currency for a product or the like for which the customer C is about to make a payment, the value of which is equal to or greater than a predetermined consideration. Specifically, the second value acquisition unit 301 is managed by the service provider server 1 based on, for example, the second QR code printed on the local currency campaign paper read by the operation of the customer C. stored as customer information. In addition, the second value acquisition unit 301, based on the customer information managed by the service provider server 1, notifies that the customer C currently has the right to use the local currency for at least a predetermined amount of goods, etc. can also be obtained.

The first payment information acquisition unit 302 acquires the QR code placed at the store S where the payment is to be made as the first payment information.

The second payment information providing unit 303 uses the first payment information, the second value information indicating the use of the second value corresponding to the predetermined consideration, and the customer information that can identify the customer C as the second payment information. provided to the user server 5.
The second payment information is provided to the QR code payer server 5 via the service provider server 1 . At this time, the service provider server 1 determines whether or not the payment can be made based on the second payment information (step ST33 in FIG. 1). In the following, the explanation will be continued assuming that the settlement based on the second settlement information is permitted.

The second payment information acquisition unit 101 of the service provider server 1 acquires second payment information.

The value conversion unit 102 executes processing for converting the second value indicated by the second value information into the first value. That is, the value conversion unit 102 makes a payment to the store S using the first value equivalent to the second value such as the local currency.

The third payment information providing unit 103 transmits the first payment information, the first value information indicating the use of the first value converted by the value conversion means, and the customer information to the QR code payer server 5 as third payment information. offer. That is, the third payment information providing unit 103 provides the QR code payer server 5 with information for paying the customer C specified by the customer information to the store S using the first value.

The third payment information acquisition unit 501 of the QR code payer server 5 acquires third payment information.
The payment processing execution unit 502 executes processing for making a payment for the customer C for a predetermined consideration such as a product at the first value based on the third payment information.

In this way, the local currency (second value) is managed in the service provider server 1, the second value is converted to the first value, and the QR code settlement party server 5 is used for the first value. Payment is made.

The configuration and the like of the information processing system related to the provision of this service have been described above with reference to FIGS. 2 to 4. FIG.
The flow of operation of the customer terminal 3 by the customer C in using this service will be described below with reference to FIGS. 5 to 12. FIG.

FIG. 5 is a diagram showing an example of a form related to distribution of community currency in a community currency campaign using the service of FIG.
A first QR code (left side of the paper) and a second QR code (right side of the paper) are printed on the paper in FIG. Customer C operates the customer terminal 3 to read the first QR code, thereby installing a dedicated application (referred to as "regional PAY application" in the explanations of FIGS. 5 to 12).
Further, although details will be described later, Customer C can acquire the local currency by reading the second QR code using the local PAY application.
Note that the name "XX" shown in the example of FIG. 5 is a region name (such as a municipality name). That is, the form in the example of FIG. 5 distributes community currency as the Welcome to XX campaign 2021 .

FIG. 6 is a diagram showing an example of the screen of the regional PAY application installed in the customer terminal using the form of FIG.

When the customer C installs the local PAY application on the customer terminal 3, the screen shown in FIG. 6 is displayed. On the screen shown in FIG. 6, the community currency (second value, unit is pt) is zero. Also, XXPAY is displayed above the balance. That is, it indicates that it is a local currency in the locality name XX.

FIG. 7 is a diagram showing an example of a menu screen regarding regional currency in the regional PAY application of FIG.
As shown in FIG. 7, the local PAY application allows payments and charges using local currency. The first time, the balance is zero pt. Therefore, the customer C taps the charge button.

FIG. 8 is a diagram showing an example of a screen when a charging operation is performed in the regional PAY application of FIG. 7 and the local currency is charged from the form shown in FIG.
When customer C taps the charge button on the screen shown in FIG. 7 and causes the customer terminal 3 to read the second QR code on the form shown in FIG. It is reflected in C's customer information.
As a result, as shown in FIG. 8, for example, it is displayed that the customer C has 3000pt of local currency (second value).

FIG. 9 is an example of a menu screen relating to the community currency shown in FIG. 7 after charging the community currency shown in FIG.
As shown in FIG. 9, customer C knows that he or she owns 3000 points of community currency (second value), and can pay by tapping a pay button.

FIG. 10 is a diagram showing how payment is made at a store.
As shown in FIG. 10, at the store S, the store terminal 4 (here, POS terminal) displays 2,200 yen as normal currency (first value).
The customer C operates the customer terminal 3 to read the settlement QR code of the QR code settlement person QP (here, the operating company of YYPAY, etc.) placed at the store S. At this time, the customer terminal 3 uses XXPAY (region name XX regional currency usage screen) of the regional PAY application for this service instead of YYPAY application software.
In this way, using the YYPAY QR code installed by the QR code payer QP, it is possible to purchase products in regular currency (first value) with the XXPAY community currency (second value). of.

11 is a diagram showing an example of the screen of the regional PAY application after payment at the store shown in FIG. 10. FIG.
As shown in FIG. 11, when the settlement system provided by the QR code settler QP is used and the settlement is completed, a settlement completion screen is displayed on the regional PAY application via the service provider server 1. be. Also, 800pt is displayed as the balance of the community currency (second value).
In this way, the local currency (second value) of customer C is managed.

Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the range that can achieve the object of the present invention are included in the present invention. is.

Here, a gift system between the store S, the customer C, the service provider SA, etc. will be described below, apart from the above-described embodiment.
A gift select card is a card that contains information indicating that the person has the right to receive a gift.
Store S sells gift select cards to customer C. By using the information described in the gift card, the customer C can receive any one of the first to third products. Further, for example, the customer C can let the other person use the gift select card by transferring the gift select card to another person (an acquaintance or the like). That is, the customer C who purchased the gift select card can transfer the right to receive the first to third products (gifts) to others in the form of the gift select card. In addition, for others, it is possible to select a product or the like that is suitable for them from among the first to third products and the like.

Namely
a media pool (e.g., card holder) comprising multiple types of media (e.g., gift cards) capable of claiming one or more gifts;
A management system for managing the media pool,
selection receiving means for receiving selection of one or more media;
Sending means for sending the medium received by the selection receiving means or the gift posted on the medium;
If provided, the above effects can be obtained.

In addition, the above effect can be obtained by using multiple types of gift cards that have the right to receive a single product, etc., even if it is not a gift select card that can obtain one product, etc. from multiple products, etc. can also be resolved.
Namely
A media pool comprising multiple types of media (e.g., gift cards) that can claim one or more gifts,
A management system for managing this media pool, comprising selection receiving means for receiving selection of one or more types of media;
Sending means for sending the medium received by the selection receiving means or the gift posted on the medium;
It is enough to have

In addition, in the above gift provision system,
adjustment means for adjusting the number of gift types selectable in one medium (gift card) and the number of medium types selectable in a medium pool, wherein the number of gift cards increases as the number of medium types increases. Adjustment means for increasing or decreasing the number of types of
is preferably provided.

In addition, for example, the following forms are conceivable for the gift card.
In other words, for example, in the case where there are stores offering various products, etc. in a predetermined mall, a gift indicating the right to receive a predetermined product (one of them, or any of a plurality of them) among the various products, etc. card is introduced.
In the case where a car dealer exists in a predetermined mall, and when a predetermined condition related to car sales is satisfied (for example, a contract for car purchase or a request for an estimate), the gift card is sent to the customer. can be transferred to
As a result, when the customer purchases the car, the customer can receive a product or the like from another store in the mall as a gift. In addition, for car dealers, the in-mall gifts can be prepared in the form of cards, which facilitates inventory management and the like.
This can be applied not only to malls but also to neighborhood supermarkets and the like.
Namely
A providing means for providing a sales location having the services and products to be provided, and a medium (card) containing gifts associated with the services and products provided at this sales location;
When allocating gifts corresponding to the services and products provided at the sales place to the gift providing place that provides the gift posted on the medium (card), the market price of the specification products already existing at the gift providing place is taken into consideration. assigning means for assigning the item as a gift as appropriate;
A gift providing system with

That is, the points given to the user of the QR code payment system (customer C in this case) by the QR code payer QP may be managed again by the service provider SA (service provider server 1). .
That is, the QR code settlement person QP may distribute points (so-called point return) that can be used in the QR code settlement system to users of the QR code settlement system (here, customer C).
That is, conventionally, such a QR code payment system is returned as the first value because it is a return for payment with the first value. As a result, there is a possibility that the service may be used at a store S or the like outside the jurisdiction of the local government PE.
However, in this service, the return from the QR code payer QP can be made to the service provider SA. Then, the service provider SA can convert the returned first value into a second value and give it to the customer C.
In this way, by giving the returned first value again as the second value to the customer C by this service, the first value more than the funds provided by the local government PE can be used at the store S etc. It is possible to In other words, it is possible to improve the circulation of money in the area beyond the face value of the local currency.

Also, in the above-described embodiment, the first value is the value of legal currency units (for example, yen), and the second value is the value of community currency, but the present invention is not particularly limited to this.
In other words, the first value and the second value may not be the same as each other, but may have different applicable ranges or different units (for example, pts convertible to yen at a predetermined rate). This makes it possible to manage the scope of application and rate with this service.

Also, in the above-described embodiment, the second value is the local currency, but any value that is valid within a predetermined range will suffice. That is, for example, the second value may be a currency that is accepted only within a predetermined range of associations of stores S (for example, shopping malls).
In this case, instead of the local government PE, the operator of the mall can use this service.

Also, in the above-described embodiment, the QR code (registered trademark) is used, but the present invention is not particularly limited to this. Thus, for example, any barcode, such as any one-dimensional or two-dimensional barcode, may be used. Furthermore, the above-described embodiments are not limited to barcodes, and can be applied to payment systems that specify shops or the like using arbitrary images or the like.

The hardware configuration of the service provider server 1 shown in FIG. 3 is merely an example for achieving the object of the present invention, and is not particularly limited.

Also, the functional block diagram shown in FIG. 4 is merely an example and is not particularly limited. That is, it is sufficient that the information processing system has a function capable of executing the above-described series of processes as a whole, and what kind of functional blocks are used to realize this function is not particularly limited to the example of FIG. .

Also, the locations of the functional blocks are not limited to those shown in FIG. 4, and may be arbitrary.
Also, one functional block may be composed of hardware alone, software alone, or a combination thereof.

When the processing of each functional block is to be executed by software, a program that constitutes the software is installed in a computer or the like from a network or recording medium.
The computer may be a computer built into dedicated hardware. The computer may also be a computer capable of executing various functions by installing various programs, such as a platform server, a general-purpose smart phone, or a personal computer.

A recording medium containing such a program not only consists of a removable medium that is distributed separately from the device main body in order to provide each user with the program, but is also preinstalled in the device main body and distributed to each user. It consists of a provided recording medium, etc.

In this specification, the steps of writing a program recorded on a recording medium are not only processes performed chronologically in that order, but also processes performed in parallel or individually. It also includes the processing to be executed.

Further, in this specification, the term "system" means an overall device composed of a plurality of devices, a plurality of means, or the like.

To summarize the above, the information processing system to which the present invention is applied is sufficient if it has the following configuration, and can take various embodiments.
That is, the information processing apparatus to which the present invention is applied is
A product transferor terminal (for example, FIG. 4 store terminal 4),
Settlement operated by a settler (e.g., QR code approver in the specification) who settles the payment for the customer for the predetermined consideration for the product, etc. with a first value (e.g., legal currency in the specification) terminal (for example, the QR code authorizer server 5 in FIG. 4);
a customer terminal operated by the customer (for example, the customer terminal 3 in FIG. 4);
When the customer uses the second value (for example, the local currency in the statement) to settle the payment for the product, etc., it is operated by a settlement agent who requests the settlement person to settle the first value. a settlement agency terminal (for example, the service provider server 1 in FIG. 4);
A payment medium possessed by the product transferor and attached with first payment information including information necessary for the payment person to settle with the first value and information capable of identifying the product transferor. (For example, a plate with a QR code in the specification, etc.) and
In a payment system comprising
The customer terminal is
a second value acquisition means (for example, the second value acquisition unit 301 in FIG. 4) that acquires the right to use the second value of at least the predetermined consideration or more;
a first payment information acquisition unit (for example, the first payment information acquisition unit 302 in FIG. 4) that acquires the first payment information;
providing the first payment information, the second value information indicating the use of the second value corresponding to the predetermined consideration, and the customer information that can identify the customer to the payment agent terminal as second payment information; 2 payment information providing means (for example, the second payment information acquisition unit 303 in FIG. 4);
with
The payment agent terminal is
a second payment information acquisition unit (for example, the second payment information acquisition unit 101 in FIG. 4) that acquires the second payment information;
value conversion means (e.g., value conversion unit 102 in FIG. 4) that executes a process of converting the second value indicated by the second value information into the first value;
Third payment information provision for providing the first payment information, the first value information indicating the use of the first value converted by the value conversion means, and the customer information as third payment information to the payer terminal. means (for example, the third payment information providing unit 103 in FIG. 4);
The settlement party terminal
a third payment information acquiring means for acquiring the third payment information (for example, third payment information acquisition 501 in FIG. 4);
Payment processing executing means (e.g., payment processing execution unit 502 in FIG. 4) for executing processing for making a payment to the customer for the predetermined consideration for the product, etc., at a first value based on the third payment information. and,
It is enough to have
This makes it possible to improve convenience when introducing a new payment system.

1... service provider server, 2... local government terminal, 3... customer terminal, 4... shop terminal, 5... code settlement server, 11... CPU, 20... Drive 28 Storage unit 41 Removable medium 101 Second payment information acquisition unit 102 Value conversion unit 103 Third payment information provision unit 151 Store information DB 152 Customer information DB 301 Second value acquisition unit 302 First payment information acquisition unit 303 Second payment information provision unit 501 Third payment information acquisition unit 502... payment processing execution unit

Claims (1)

A product transferor terminal operated by a product transferor who transfers a prescribed product or service as a product to a customer for a prescribed consideration;
Using a payment method that is prearranged with the transferor of the product, the payment is made with the first value, and the payment method that does not presuppose the use of the second value is used to pay the predetermined consideration for the product, etc. a payer terminal operated by a payer who makes a payment to a customer;
a customer terminal operated by the customer;
a settlement agent terminal operated by a settlement agent who requests settlement using the settlement method to the settlement agent when the second value is used by the customer for settlement of the product, etc.;
A medium for payment attached with first payment information, which is information necessary for the settlement person to make a settlement by the settlement method, which is possessed by the goods transferor and includes information capable of identifying the goods transferor. and,
In a payment system comprising
The customer terminal
a second value acquiring means for acquiring the right to use the second value of at least the predetermined consideration;
a first payment information obtaining means for obtaining the first payment information;
providing the first payment information, the second value information indicating the use of the second value corresponding to the predetermined consideration, and the customer information that can identify the customer to the payment agent terminal as second payment information; 2 payment information providing means;
with
The payment agent terminal is
a second payment information obtaining means for obtaining the second payment information;
value conversion means for executing a process of converting the second value indicated by the second value information into the first value;
Third payment information provision for providing the first payment information, the first value information indicating the use of the first value converted by the value conversion means, and the customer information as third payment information to the payer terminal. means and
The settlement party terminal
a third payment information obtaining means for obtaining the third payment information;
payment processing execution means for executing a process of paying the customer for the predetermined consideration for the product or the like using the payment method based on the third payment information;
payment system with

Images