JP7326573B1 - Payment server, payment method and program - Google Patents

Abstract

An object of the present invention is to increase the possibility of a user purchasing a product sold by an operator of a member store. A payment server that provides an electronic payment service, which is a privilege set by a member of the electronic payment service, the privilege exempting the burden of the interest fee for installments in installment payments using the electronic payment service. a storage unit that stores setting information; a payment processing unit that executes payment processing for electronic payment of the user's payment to the member based on payment information received from the user's terminal device; wherein, when receiving an application for use of the privilege from the terminal device, the payment processing unit acquires payment information including information on an installment method for a specific installment payment, which is an installment payment to which the privilege is applied, from the terminal device. A settlement server that recognizes the division method and divides the total payment amount exempted from the divided interest fee by the number of payments according to the division method. [Selection drawing] Fig. 1

Description

The present invention relates to a payment server, payment method and program.

Conventionally, there is an electronic payment system that supports the electronic payment of operators of affiliated stores. For example, Patent Literature 1 proposes a system in which, when the purchaser's balance is less than the price of the product to be purchased, product purchase processing is performed after charging the balance.

Japanese Unexamined Patent Application Publication No. 2020-115278

Conventional technologies sometimes fail to increase the likelihood that users will purchase products sold by operators of affiliated stores.

The present invention has been made in consideration of such circumstances, and provides a payment server, payment method, and program that can increase the possibility of users purchasing products sold by operators of affiliated stores. One of the purposes is to

One aspect of the present invention is a payment server that provides an electronic payment service, which is a privilege set by a member of the electronic payment service, and exempts from paying an interest fee in installments using the electronic payment service. and a payment processing for executing payment processing for electronic payment of the user to the member based on the payment information received from the user's terminal device. and, when receiving an application for use of the privilege from the terminal device, the payment processing unit transmits payment information including information on a method of splitting a specific installment payment, which is an installment payment to which the privilege is applied, from the terminal device. The settlement server acquires and recognizes the division method, divides the total payment amount exempted from the divided interest fee, into the number of payments according to the division method, and settles the payment.

One aspect of the present invention is a payment server that provides an electronic payment service, which is a privilege set by a member of the electronic payment service, and exempts from paying an interest fee in installments using the electronic payment service. a storage unit for storing privilege setting information, and delivering a privilege ticket indicating the right to use the privilege to the terminal device in response to an acquisition request from the terminal device of the user; a payment processing unit that executes payment processing for electronic payment of the user's payment to the member based on the received payment information, wherein the payment processing unit receives the payment information. In this case, it is determined whether or not the user related to the payment information has acquired the privilege ticket, and if it is determined that the user has acquired the privilege ticket, the procedure for applying for use of the privilege A screen is displayed on the terminal device, and within a predetermined time after the application for use on the screen is received from the terminal device, information on an installment method in a specific installment payment that is an installment payment to which the privilege is applied is received from the terminal device. This is a settlement server that divides the total payment amount exempted from the divided interest fee by the number of times of payment according to the division method and settles the payment.

One aspect of the present invention is a payment server that provides an electronic payment service, which is a privilege set by a member of the electronic payment service, and exempts from paying an interest fee in installments using the electronic payment service. a storage unit for storing setting information of the privilege to be used, and payment for executing payment processing for electronic payment of the user's payment to the member based on the payment information received from the member's store terminal device and a processing unit, wherein the payment processing unit receives from the terminal device of the user an application for use of the benefit together with setting information of a split method in a specific installment payment that is an installment payment to which the benefit is applied, the setting information. is recorded as the use setting of the privilege, and when the payment processing unit receives the payment information from the store terminal device, if the use setting of the privilege has been registered for the user related to the payment information, The settlement server divides the total payment amount exempted from the divided interest fee into the number of payments according to the division method and settles the payment.

ADVANTAGE OF THE INVENTION According to one aspect of the present invention, it is possible to provide a payment server, a payment method, and a program that can increase the possibility of a user purchasing a product sold by an operator of a member store.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. FIG. 2 is a sequence diagram (part 1) illustrating a rough flow of electronic payment; FIG. 2 is a sequence diagram (part 2) exemplifying a rough flow of electronic payment; 1 is a configuration diagram of a settlement server 100 according to an embodiment; FIG. 4 is a diagram showing an example of contents of user information 172. FIG. 4 is a diagram showing an example of contents of member store/store information 176. FIG. 3 is a diagram showing an example of the configuration of a specific payment processing unit 160; FIG. FIG. 10 is a diagram showing an example of a screen used by a member store operator when setting and registering benefits. 3 is a diagram showing a display example of privilege information on the user terminal device 10. FIG. FIG. 10 is a flow chart showing an example of the flow of processing executed by the user terminal device 10 regarding specific installment payment in the user scan method; FIG. It is a figure which shows an example of the amount-of-money input screen in a user scan method. 4 is a flowchart showing an example of the flow of processing executed by the payment server 100 in specific payment processing in the user scan method; FIG. 10 is a flow chart showing an example of the flow of processing executed by the settlement server 100 regarding the first embodiment of the specific installment payment in the store scan method; FIG. FIG. 10 is a diagram showing an example of transition of screens displayed on the user terminal device 10 in the specific installment payment of the first embodiment; FIG. 10 is a flow chart showing an example of the flow of processing executed by the user terminal device 10 regarding the second embodiment of the specific installment payment in the store scan method; FIG. It is a figure which shows the transition example of the screen displayed on the user terminal device 10 in the specific installment payment of 2nd Example. FIG. 4 is a diagram summarizing the contents of exchanges between a user, a member store operator, and an electronic payment service operator in a specific installment payment of the embodiment;

EMBODIMENT OF THE INVENTION Hereinafter, with reference to drawings, embodiment of the payment server of this invention, a payment method, and a program is described. The application program and payment server cooperate to provide electronic payment services. In the following description, the application program will be called a payment application. An electronic payment service is a service that supports payment related to purchase of goods and services at a store. The store is, for example, a physical store (actual store) that exists in the real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities other than the operator of the electronic payment service. In that case, the screen is controlled to transition to the interface screen of the electronic payment service at the time of payment for shopping at the virtual store. In the electronic payment service, a store is treated as belonging to, for example, a member store (brand), and processing such as settlement when a purchase is made at the store is mainly performed between the user and the member store. Alternatively, processing such as payment may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 communicates with, for example, one or more user terminal devices 10, one or more first shop terminal devices 50, and one or more second shop terminal devices 70 via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed in the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like.

The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store, and a code image such as a QR code (registered trademark) is printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed in the store (a display of a terminal device such as a smart phone may be used).

The second store terminal device 70 is used by a member store operator (hereinafter referred to as "member"). The second store terminal device 70 is a smart phone, a tablet terminal, a personal computer, or the like. A member store interface 72 operates on the second store terminal device 70 . The merchant interface 72 may be a merchant application or a browser. The member store interface 72 accepts coupon settings and the like from the member and transmits them to the settlement server 100 . The second store terminal device 70, which is a smartphone, has a function of displaying a code image corresponding to the store code image and reading a code image displayed by the user terminal device 10 by executing an application for member stores. have.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first shop terminal device 50 . The first store terminal device 50 may include a POS device and a member store server. In this case, payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following explanation, it is assumed that the payment information is transmitted from the first store terminal device 50 without distinguishing between them.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the shop code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. The store URL is a domain of the electronic payment service to which information that can identify the store is added, and is associated with the member store ID, the store ID, and the like in the settlement server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 retrieves store information (described later) from the member store ID and store ID corresponding to the store URL, acquires the member store name and store name information (S3), and transmits them to the settlement application 20 (S4). . The user inputs the settlement amount into the user terminal device 10 on the screen displaying the member store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits the second payment information to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). When the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also the payment amount information. In this case, the procedure for the user to input the settlement amount is omitted, and the information of the settlement amount is included in the first settlement information and transmitted to the settlement server 100 . Information on the name of the member store and the name of the store may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is activated, when a payment operation is performed in the payment application 20, and when the timing of automatic update (for example, every minute) comes. , and at other timings, the payment application 20 transmits a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or barcode generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image by the optical reading function and acquires the one-time code and the like. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, member store ID, store ID, etc., and transmits the payment information to the payment server 100 (S16). The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information, and performs electronic payment (S17). The payment server 100 then transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

It should be noted that electronic payment may be performed using only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information. Alternatively, the issuance of the one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the settlement server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Settlement server]
FIG. 4 is a configuration diagram of the settlement server 100 according to the embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. Components other than communication unit 110 and storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, member store/store information 176, and the like.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 .

The payment processing unit 130 performs payment processing based on the payment information transmitted from the user terminal device 10 or the first store terminal device 50 . The payment processing unit 130 performs payment processing while referring to the user information 172 .

FIG. 5 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 is an example of user registration information. User information 172 includes, for example, user URL, account ID, phone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment Information such as usage amount, postpaid available amount, settlement method setting, bank account, credit card number, charge history information, settlement history information, and user benefit information is associated. The user URL is used for remittance processing between users. When registering for the electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the settlement server 100, and the user ID is an ID that can be set arbitrarily by the user (does not need to be set). Likewise, the e-mail address, name, address, and date of birth are information that can be arbitrarily set by the user (they do not have to be set). The registration date is the date when the user registers for the electronic payment service (the date when the account is created). Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account.

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated trader (bank), remittance from a registered bank account, and the like. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "done" or "not completed". The deferred payment limit is the maximum amount of deferred payment that can be used each month, the amount of deferred payment is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is calculated by subtracting the amount of deferred payment from the deferred payment limit. , is the amount of deferred payment available in the current month. Although only one deferred payment frame is shown in the figure, there are actually more daily upper limits and the like, and the lower one of them may be set as the deferred payment frame. Further details of postpayment are provided below. The payment method setting is setting information indicating whether the user will make an electronic payment based on the charge balance at that point in time or make a payment by deferred payment. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can deposit money into the electronic payment service. The charge history information is a history of the user's advance remittance to the electronic payment service to increase the charge balance. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, payment method, etc.) for each payment.

The user privilege information is information relating to a privilege notified to the target user by the privilege information distribution unit 162, which will be described later. The user privilege information includes information such as privilege identification information, privilege ticket delivery status to the user, details of settings (usage settings) relating to privilege ticket use, status of application for privilege ticket use, and the like. The privilege ticket is information indicating the right to use the privilege notified to the user, and is obtained by the user making a request to the payment server 100 via the payment application 20 .

FIG. 6 is a diagram showing an example of the contents of the member store/store information 176. As shown in FIG. The member store/store information 176 includes, for example, a first table 176A in which store URLs are associated with member store IDs and store IDs, and member store names and sales proceeds (described above) are associated with member store IDs. a second table 176B, a third table 176C in which store IDs are associated with store IDs, and a fourth table 176D in which member store IDs are associated with member privilege information. The member store/store information 176 may include, in addition to this information, information such as the category of the member store or store, the location of the store, and the payment pattern. The member privilege information is information about the privilege set by the member. The member privilege information includes, for example, information such as privilege settings and conditions for applying the privilege to the user. Details of privilege settings and application conditions will be described later with reference to FIG. As illustrated in FIG. 6, the member benefit information may include a plurality of benefits (eg, benefit A, benefit B, . . . ) registered for each member, or one benefit (eg, benefit C). may be registered.

The information management unit 140 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70 . The information management unit 140 adds, edits, and deletes new records for the user information 172 and member store/store information 176 .

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first shop terminal device 50, the payment processing unit 130 refers to the user information 172 and acquires the user's "settlement method setting." The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 130 performs electronic payment, for example, by decreasing the charge balance managed in association with the user ID and increasing the item value of the sales proceeds of the member store. For example, the item value of the sales proceeds of the member store is not used as electronic money per se, but the amount corresponding to the item value of the sales proceeds is calculated in a cycle according to the agreement between the member store and the electronic payment service. transferred to a bank account.

The payment processing unit 130 performs electronic payment as follows for a user whose "setting information" is set to "pay later". Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service is the creditor. , allows electronic payment independent of the charge balance within the deferred payment frame. In order to receive the deferred payment service, it may be necessary to obtain a credit card provided by the operator of the electronic payment service. The amount used for the deferred payment is collected for one month and settled on the next month's payment date, for example, by debiting from a bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the deferred payment usage amount and subtracting the same amount from the deferred payment available amount. process to withdraw to If the settlement amount exceeds the postpaid available amount at the time of provisional settlement, an error notification is sent back to the settlement application 20 .

In the present embodiment, in addition to the payment methods such as the above-described "charge balance" and "pay later", "specific installment payment", which is an installment payment that can be used as a privilege, can be set as one of the payment methods. As with the deferred payment mentioned above, the specified installment payment is set separately from the "installment payment" in the credit payment. Fees shall be borne. This default allowable range is hereinafter referred to as a "usage limit". The usage limit is set individually by the member who provides the privilege, and the right to use the specified installment payment is a privilege for users who meet the prescribed usage conditions (hereinafter referred to as the "interest burden exemption privilege"). ) is provided as In the following, the term "privilege" simply means the privilege of exemption from paying interest in installments. A special installment payment is applied when the user acquires a privilege in advance and exercises the usage right at the time of payment. The creditor in the specific installment payment may include the operator of the electronic payment service, and part of the interest fee borne by the member in the specific installment payment may be borne by the operator of the electronic payment service.

In the payment server 100 of the present embodiment, the payment processing unit 130 performs electronic payment using a conventionally available general payment method (hereinafter referred to as "normal payment") such as the above-described charge balance, deferred payment, or credit payment. and a specific payment processing unit 160 for executing specific payment processing for electronic payment by the above-mentioned specific installment payment.

FIG. 7 is a diagram showing an example of the configuration of the specific payment processing unit 160. As shown in FIG. The specific payment processing unit 160 includes, for example, a privilege registration unit 161, a privilege information distribution unit 162, a usability determination unit 163, a payment management unit 164, and a sales receipt unit 165. The privilege registration unit 161 registers privilege settings in the settlement server 100 in response to a request from a member. More specifically, the privilege registration unit 161 receives a privilege setting operation via the member store interface 72 of the second store terminal device 70, and stores the entered setting information in the member store/store information 176. to register the privilege setting in the settlement server 100 . For example, privilege setting information is managed in association with corresponding member store or store identification information (member store ID, store ID). In addition, the privilege setting information includes information such as the size of the specific installment payment usage limit, the expiration date of the privilege, the conditions under which the user is eligible for the privilege, the options for payment method and number of payments, and the usage conditions of the privilege. may be included.

When a setting of a privilege for exempting from paying interest in installments is registered in the settlement server 100 by a member, the privilege information distribution unit 162 determines whether the privilege can be used by a user to whom the privilege is applicable. Notify me that there is. Specifically, the privilege information distribution unit 162 identifies a user to whom the privilege is applicable based on the privilege setting information and the user information 172 registered in the settlement server 100, and identifies the user of the specified user. Privilege information on privileges applicable to the terminal device 10 is distributed.

The usability determining unit 163 determines whether or not a user who has applied for the use of a privilege when purchasing a product can use the privilege. For example, the usability determining unit 163 may determine whether or not to use the privilege based on the determination results of the following first usage condition and second usage condition. The usability determination unit 163 may determine that the privilege can be used when at least one or more of the first usage condition and the second usage condition are satisfied, or when a specific combination It may be determined that the use of the privilege is possible when the use condition of is satisfied, or it may be determined that the use of the privilege is possible when all the use conditions are satisfied. In addition, the usability determining unit 163 may determine whether or not to use the benefit by combining the determination results of the following first and second usage conditions and the determination results of other usage conditions.

(First Terms of Use)
The first usage condition is that the total amount of installment interest charges that the member has paid (or has decided to bear) to date (hereinafter referred to as the "total burden amount") does not exceed the usage limit. . That is, the first usage condition is that the total amount of divided interest fees borne by the member is less than the threshold amount that defines the usage limit. Here, the total amount to be borne by the divided interest fee is managed for each privilege, and the threshold amount is set by the member for each privilege. The specific payment processing unit 160 cumulatively updates the total burden each time an electronic payment is made using a specific installment payment. It can be determined whether or not the first usage condition is satisfied by comparing with the amount. That is, it can be said that the first use condition is simply that there is a vacancy in the use limit of the privilege.

(Second Terms of Use)
The second usage condition is that the user who has applied for the use of the benefit must be a creditable user for the specified installment payment. For example, the usability determination unit 163 can determine whether or not the user can credit by inquiring of an external credit institution. Further, for example, the usability determination unit 163 may be configured to determine credit availability by itself based on information such as settlement history and payment history included in the user information 172 .

The settlement management unit 164 executes a process (hereinafter referred to as "specified settlement process") for settling the purchase price of the product in specific installments based on the result of determination by the availability determination unit 163 as to whether or not the privilege can be used. . The specific payment process includes, for example, a first payment process of fixing the payment method for the product purchase price to a specific installment payment, and a second payment process of managing monthly payments after fixing the payment method. The settlement management unit 164 calculates the monthly payment amount in the first settlement process and presents it to the user, and when the user agrees with the presented amount, the payment method is fixed as a specific installment payment. The monthly payment amount for credit card installment payments is the monthly installment amount of the purchase price plus the monthly installment interest fee according to the number of payments, but in the case of specified installment payments, the installment interest fee is borne by the member. Therefore, the monthly payment amount for the specified installment payment is calculated as the monthly installment amount of the purchase price.

In addition, in the second payment processing, the payment management unit 164 executes payment performance management processing and monthly payment amount billing processing. A settlement management unit 164 collects an amount set as a monthly payment amount from the charge balance of the target user when a predetermined payment date arrives in each month set corresponding to the number of payments. In general, the monthly payment amount for installment payments by credit card is the sum of the monthly installment amount of the purchase price and the monthly installment interest fee corresponding to the number of payments. will bear the installment interest fee, so the monthly payment will be calculated as a monthly installment of the purchase price. The number of payments for a particular installment payment may be specified by the user. For example, the number of payments may be selected by the user from predetermined options for the number of payments, similar to installment payments with a credit card. In addition, as described above, the specific installment payment of this embodiment is set separately from the credit card payment, and does not require credit from the credit card company. It may be something that the user can arbitrarily specify as long as it can be borne.

The sales receipt unit 165 performs processing for paying the sales to the member of the sales source based on the product purchase price received from the user by the settlement management unit 164 . More specifically, the sales proceeds receipt unit 165 deducts the usage fee for a service that allows the use of a specified installment payment as a settlement means in an electronic settlement service (hereinafter referred to as a "specified settlement service") from the amount of the product purchase price. The amount obtained is calculated as the sales proceeds to be paid to the member of the sales source. In other words, the operator of the electronic payment service deducts an amount equivalent to the installment interest fee as the usage fee for the specified payment service from the product purchase price paid by the specified installment payment (the purchase price exempted from paying the installment interest fee). The amount is deposited to the member as sales proceeds. As a result, the operator of the electronic payment service temporarily assumes the burden of the installment interest fee until the full payment for the product purchased by the specified installment payment is received, and pays the sales proceeds to the member of the seller (deposit ), it is possible to offset the burden of the split interest fee as the usage fee for the specified payment service. That is, in this embodiment, the operator of the electronic payment service provides the member with the specified payment service on the condition that the member bears the divided interest fee on behalf of the user.

[Benefits set by member]
FIG. 8 is a diagram showing an example of a setting registration screen G10 used by a member when setting and registering benefits. The setting registration screen G10 is provided by the privilege registration unit 161, for example. The content required for the setting registration screen G10 may be stored in the storage unit 170 as part of the payment content information 174. FIG. For example, the setting registration screen G10 has various input interfaces G11 to G18 for inputting privilege setting information. For example, the input interface G11 is a text box that accepts input of the name of the privilege to be registered. Also, for example, the input interface G12 is a text box that receives an input of the limit amount of the split interest fee that the member pays for the target privilege as the size of the usage limit of the target privilege. Also, for example, the input interface G13 is a text box that accepts input of the validity period of the target privilege. Also, for example, the input interface G14 is a text box that receives input for setting the number of payments for a specific installment payment. FIG. 8 shows an example in which the input interface G14 sets the upper limit of the number of payments and the condition of the purchase amount under which each upper limit is effective. For example, FIG. 8 presents 3 payment options for purchases of less than 10,000 yen, and 3 and 5 payment options for purchases of 10,000 yen or more and less than 100,000 yen. 3, 5, and 10 times are presented as options for the number of payments for purchases of 100,000 yen or more. Also, for example, the input interface G15 is a check box that receives an input of setting for determining whether or not to allow use of the benefit according to the type of purchased product. Also, for example, the input interface G16 is a check box and a text box for receiving input of setting of user conditions (application conditions) (for example, total purchase amount in a predetermined period) under which the benefits can be applied. Also, for example, the input interface G17 is a check box for receiving a setting input as to whether or not to include "monthly flat payment" in the options for the installment method for a specific installment payment. The fixed monthly payment referred to here is a payment method in which the monthly payment amount is almost constant, regardless of the presence or absence of product purchases, the amount of purchases, the number of purchases, and the like. The fixed monthly payment may be so-called revolving payment. If a fixed monthly payment can be used for a specific installment payment, the user can keep the monthly payment amount constant while enjoying the benefits of exemption from paying interest in installments. Also, for example, the input interface G18 is a button that receives an operation input for instructing registration of a benefit with the input setting content. In response to pressing of the input interface G18, the privilege registration unit 161 registers the input setting information in the member store/store information 176 in association with the member store ID, the store ID, and the like.

FIG. 9 is a diagram showing a benefit notification screen G20 as an example of display of privilege information on the user terminal device 10. As shown in FIG. As described above, the privilege information distribution unit 162 distributes the privilege information to users to whom the privilege is applicable in response to the privilege setting being registered in the settlement server 100 . The privilege notification screen G20 is provided by the privilege information distribution unit 162, for example. The content required for the privilege notification screen G20 may be stored in the storage unit 170 as part of the payment content information 174. FIG. For example, the benefit notification screen G20 includes a display interface G21 for information on benefits and an input interface G22 for operations related to use of benefits.

For example, the display interface G21 includes a display area for an image IMG1 related to a member store that provides benefits, and a display area for text information indicating details of the benefits. Through such a display interface G21, the user can recognize the member store that provides the benefit, that the member store will bear the interest fee for the installment payment, and that the member store will bear the total amount of the benefit. has an upper limit, and the benefits will end as soon as the total burden reaches the upper limit. The input interface G22 is a button that accepts input of an operation for obtaining a privilege ticket. The input interface G22 transmits a privilege ticket acquisition request to the privilege information distribution unit 162 in response to the pressing of the button. The privilege information distribution unit 162 transmits the privilege ticket data to the requesting user terminal device 10 in response to the privilege ticket acquisition request being received. The privilege ticket data may include, for example, privilege identification information, identification information of a member store that provides the privilege, information indicating the validity period of the privilege, and the like. The user terminal device 10 stores the received privilege ticket data in its own terminal. In the user terminal device 10, the settlement application 20 recognizes that the privilege ticket has been acquired when the privilege ticket data is stored in its own terminal, and requests the settlement server 100 to use the acquired privilege ticket. By doing so, it is possible to provide the user with a settlement function based on a specific installment payment. Note that the privilege information distribution unit 162 may record, in the user privilege information of the user information 172, the privilege ticket delivery history including the privilege ticket that has already been delivered and the user to whom the privilege ticket is delivered. For example, the settlement server 100 alone can recognize the distribution status of the privilege ticket.

[Flow of Electronic Payment by Specified Installment Payment]
The flow of processing for realizing electronic payment by specific installment payment in cooperation with the payment server 100, the user terminal device 10, and the first store terminal device 50 will be described below.

(For user scan method)
FIG. 10 is a flow chart showing an example of the flow of processing executed by the user terminal device 10 regarding a specific installment payment in the user scan method. For example, the process flow shown in FIG. 10 can be described as the process of step S5 (input of payment amount) in the flow of user scan electronic payment shown in FIG. In this case, the payment application 20 in the user terminal device 10 first determines whether or not the privilege ticket for the privilege relating to the specific installment payment has been acquired in the own terminal device (S101). Specifically, the payment application 20 determines that the privilege ticket has been acquired when the privilege ticket data is stored in the self terminal device, and determines that the privilege ticket has been acquired when the privilege ticket data is not stored in the self terminal device. Determine that the ticket has not been acquired.

Here, when it is determined that the privilege ticket has not been acquired in the own terminal device, the payment application 20 shifts to the same processing as in the case of payment by normal payment (hereinafter referred to as "normal payment processing") (S102). That is, after receiving the input of the payment amount, the settlement application 20 receives the input of the payment execution instruction and generates the second settlement information. The generated second payment information is transmitted to the payment server 100 in the next step S6.

On the other hand, if it is determined in step S101 that the privilege ticket has been acquired, then the payment application 20 determines whether the validity period of the acquired privilege ticket is valid (S103). Specifically, the payment application 20 can determine whether or not the privilege ticket is currently valid by comparing the valid period information included in the privilege ticket data with the current date and time. Here, when it is determined that the present time is outside the valid period of the privilege ticket, the settlement application 20 shifts to normal settlement processing (S102). On the other hand, if it is determined in step S103 that the privilege ticket is currently within the validity period, then the payment application 20 accepts input of the payment amount and payment method (S104). For example, the payment application 20 displays an amount input screen as illustrated in FIG. 11 below so that the user can specify the payment amount and payment method.

FIG. 11 is a diagram showing an example of the amount input screen G30 in the user scan method. For example, in step S104, the payment application 20 first displays an amount input screen G30A illustrated in FIG. The amount input screen G30A includes, for example, a text input field G31 for accepting input of a payment amount, a button G32 for accepting input of an operation to select a normal payment other than a specific installment payment as a payment method, and an operation to select a specific installment payment as a payment method. For example, the amount input screen G30A transitions to the amount input screen G30B when the button G32 is pressed while the payment amount is input, and when the button G33 is pressed is configured to transition to the amount input screen G30C.

The amount input screen G30B includes a text display area G34 for presenting the user with the monthly payment amount for a specific installment payment, a button group G35 for allowing the user to select the method of division for the specific installment payment, and a privilege for the selected payment method. and a button G36 for accepting an input of an operation for applying for use. For example, when the button G36 is pressed while the split method is selected, the amount input screen G30B notifies the settlement server 100 of the input payment amount and the selected split method, thereby allowing settlement by a specific installment payment. Configured to require execution.

The amount input screen G30C is a screen for receiving input of an operation to confirm the execution of settlement by normal payment. The amount input screen G30C includes, for example, a text display area G37 that displays the payment amount input on the amount input screen G30A, and a button G38 that accepts an operation input to confirm that the displayed payment amount will be settled by normal payment. including. For example, the amount input screen G30C is configured to notify the payment server 100 of the displayed payment amount when the button G38 is pressed, thereby requesting execution of payment by normal payment (for example, charge balance). . Note that the amount input screen G30C may be configured to present options for payment methods other than the specific installment payment as the normal payment. Also, the text display section G37 may be configured to receive an operation to change the payment amount.

Return to FIG. Based on the input result in step S104, the payment application 20 determines whether the payment method selected by the user is "specific installment payment" or "normal payment" (S105). Typically, normal payments are payments from the charge balance. In addition, normal payment is a payment method that can be selected other than the specific installment payment, and may be any payment method that can be used in normal payment processing. A default value (eg, charge balance) may be set for the normal payment. Also, the normal payment may be selected from a plurality of options on the amount input screen.

Here, when it is determined that the payment method selected by the user is "normal payment", the payment application 20 shifts to normal payment processing (S102). For example, in the screen transition example of FIG. 11, the payment application 20 transitions the amount input screen G30A to the amount input screen G30C in response to pressing of the button G32 for selecting "normal payment" on the amount input screen G30A. Let On the other hand, if it is determined in step S105 that the payment method selected by the user is the "specified installment payment", the payment application 20 applies to the payment server 100 to use the privilege ticket (S106).

In response to this application for use, the settlement server 100 confirms the availability of the privilege at that time, accepts the application for use when it determines that the privilege is available, and responds to that effect to the settlement application 20. . On the other hand, if the payment server 100 determines that the privilege cannot be used, it rejects the use application and notifies the payment application 20 accordingly. The payment application 20 determines whether or not the application for using the privilege ticket has been accepted (S107). Here, when it is determined that the application for use has been rejected, the payment application 20 shifts to normal payment processing (S102).

On the other hand, if it is determined in step S107 that the application for use has been accepted, the payment application 20 accepts an input of the split method for the specific installment payment (S108). After the division method is input, the payment application 20 waits for input of a payment execution instruction. When the payment application 20 inputs a payment execution instruction (S109), the payment application 20 generates payment information (second payment information) for settling the specified payment amount in specific installments according to the specified installment method, and sends the payment server 100. (S110).

Here, various judgment processes such as the process of confirming the acquisition status of the privilege ticket (S101), the process of confirming the valid period of the privilege ticket (S103), the judgment process of the payment method specified by the user (S105), etc. is performed on the payment application 20 side, but these processes may be performed on the payment server 100 side. For example, the settlement server 100 is configured to record the distribution history of privilege tickets in the user information 172 as user privilege information, and to determine whether or not the target user has acquired the privilege ticket. may Further, for example, the payment server 100 may be configured to refer to the member store/store information 176 to recognize the validity period of the privilege, and determine whether or not the target privilege ticket is within the validity period. . Further, for example, the payment server 100 may be configured to recognize the contents specified or selected by the user regarding the use of the electronic payment service by acquiring the user's operation information from the payment application 20 . Such a configuration may be realized, for example, by the payment server 100 controlling screen display (including screen transitions) of the payment application 20 . For example, it is conceivable that the payment server 100 becomes a web server and part or all of the payment application 20 functions as its client.

FIG. 12 is a flowchart showing an example of the flow of processing executed by the payment server 100 in specific payment processing in the user scan method. The settlement server 100, for example, receives an application for use of a privilege ticket (S106) from the user terminal device 10 and executes a series of processing flows. In the settlement server 100, when an application for use of a privilege ticket is received from the user terminal device 10, first, the usability determining unit 163 determines whether or not the first usage condition is satisfied regarding the use of the privilege ticket. Determine (S201). As described above, the first usage condition is that there is a vacant privilege usage limit. For example, the availability determining unit 163 acquires the current total amount of divided interest fees borne by the target member regarding the target privilege, compares the acquired total amount of the burden with the maximum amount of the usage limit, and determines whether the usage limit is Determine whether or not there is a vacancy.

Here, if it is determined that the first usage condition is not satisfied, that is, if the current total burden amount is equal to or greater than the limit amount, the availability determination unit 163 uses the fact that the target privilege cannot be used. This is notified to the user terminal device 10 and the application for use is rejected (S202). On the other hand, if it is determined that the first use condition is satisfied, that is, if the current total burden amount is less than the limit amount, the availability determining unit 163 further determines whether the second use condition is satisfied regarding the use of the privilege ticket. It is determined whether or not the conditions are satisfied (S203). As described above, the second usage condition is that the user who has applied for the use of the privilege ticket can give credit for using the specific installment payment.

Here, when it is determined that the second usage condition is not satisfied, that is, when it is determined that credit cannot be given to the target user, the availability determining unit 163 determines that the target benefit is available. The user terminal device 10 is notified of the impossibility and the application for use is rejected (S202). On the other hand, when it is determined that the second usage condition is satisfied, that is, when it is determined that credit can be given to the target user, the user terminal notifies that the target benefit can be used. The application for use is accepted by notifying the device 10 (S204).

By executing such processing, in the user scan method electronic payment service, for users who meet the application conditions of the privilege, within the range of the predetermined usage limit, electronic payment in specific installments It is possible to use.

(For store scan method)
As can be seen from FIG. 3, the store scan method synchronizes with the user terminal device 10 after the code image displayed on the user terminal device 10 is read by the first store terminal device 50. electronic payment is completed. On the other hand, as described above, in the specific installment payment, in addition to presenting the code image, the user is required to provide further information to the settlement server 100, such as applying for a privilege ticket and specifying a division method. Therefore, in order to provide further information between the user terminal device 10 and the settlement server 100 in the store scan method, it is necessary to control the timing of information cooperation by some method. Hereinafter, an example of a method of realizing this timing control by synchronous control will be described as a first embodiment, and an example of a method of realizing this timing control by asynchronous control will be described as a second embodiment.

<First embodiment (synchronous control)>
FIG. 13 is a flow chart showing an example of the flow of processing executed by the settlement server 100 regarding the first embodiment of the specific installment payment in the store scan method. For example, the processing flow shown in FIG. 13 can be described as the processing performed in step S17 in the flow of store scan electronic payment in FIG. That is, the processing flow of FIG. 13 is executed after the first store terminal device 50 reads the code image and transmits the payment information to the payment server 100 . In this case, the payment processing unit 130 in the payment server 100 first recognizes the target user based on the payment information received from the first shop terminal device 50, and confirms the acquisition status of the privilege ticket for the recognized target user. Recognize (S301). The payment processing unit 130 refers to the user information 172 and determines whether or not the privilege ticket that can be used for the payment that the target user is about to make has already been obtained (S302).

Here, when it is determined that the privilege ticket has not been acquired for the target user, the payment processing unit 130 causes the normal payment processing unit 150 to perform processing for electronic payment with normal payment (hereinafter referred to as “normal payment processing”). .) is executed (S303). On the other hand, if it is determined in step S302 that the privilege ticket has been acquired for the target user, the settlement processing unit 130 determines whether the validity period of the acquired privilege ticket is valid. (S304). Step S304 is the same as step S103 in FIG. Here, if it is determined that the privilege ticket is currently out of the valid period, the specific payment processing unit 160 proceeds to step S303 and executes normal payment processing. On the other hand, if it is determined in step S304 that the privilege ticket is currently valid, the specific payment processing unit 160 accepts the designation of the split method for the specified installment payment (S305), and accepts the application for using the privilege ticket ( S306). For example, the specific payment processing unit 160 cooperates with the payment application 20 to cause the user terminal device 10 to display a screen for accepting these input operations, thereby accepting the designation of the division method in the specific installment payment and the use application for the privilege ticket. be able to.

When the specific payment processing unit 160 accepts the application for use of the privilege ticket in step S306, the availability determination unit 163 determines whether the privilege ticket for which the application for use is currently available ( S307). Step S307 is the same as the processing flow of FIG. Here, if it is determined that the target privilege ticket cannot be used at this time (for example, if it is determined as "NO" in step S201 or S203 of FIG. 12), the specific payment processing unit 160 advances the processing to step S303. Then, the normal payment processing unit 150 is caused to execute the normal payment processing.

FIG. 14 is a diagram showing a transition example of the payment screen G40 displayed on the user terminal device 10 in the specific installment payment of the first embodiment. For example, the payment application 20 displays the payment screen G40A to present the code image IMG2, and the code image IMG2 is read by the first store terminal device 50. FIG. The first store terminal device 50 generates payment information based on the information read from the code image IMG2 and transmits the payment information to the payment server 100 . The payment server 100 confirms the privilege ticket acquisition information for the user, and if the user has already acquired the privilege ticket, instructs the payment application 20 to set the split method for the specific installment payment. In the example of FIG. 15, the setting of the division method is instructed by the payment screen G40C that transitions from the payment screen G40A through the payment screen G40B. In this case, the payment application 20 first displays a payment screen G40B for receiving input of a payment method, for example, overlaid on the payment screen G40A. For example, the payment screen G40B includes a button G41 for receiving the selection operation of "normal payment" and a button G42 for receiving the selection operation of "specific installment payment". If the button G41 is pressed, the payment application 20 changes the screen display to the payment screen G40C. Notify 100.

Return to FIG. When it is determined in step S307 that the target privilege ticket is currently available (for example, when it is determined as "YES" in step S203 of FIG. 12), the specified payment processing unit 160 starts counting the holding time. (S308). Suspension time is the time to suspend execution of electronic payment. After starting timing, the specific settlement processing unit 160 determines whether or not the holding time has passed (S309). Execute normal payment processing. In this case, the normal payment processing unit 150 sends a payment completion notification indicating that the payment by the "normal payment" has been completed to the payment application 20, and ends the series of processes (S310).

On the other hand, if it is determined in step S309 that the holding time has not elapsed, the specific payment processing unit 160 determines whether or not a split method and payment execution instruction have been input (S311). Here, if it is determined that the split method or payment execution instruction has not been input, the specific payment processing unit 160 returns the process to step S309. On the other hand, if it is determined in step S311 that the split method and the payment execution instruction have been input, the specific payment processing unit 160 finishes counting the holding time (S312) and executes electronic payment by specific installment payment (S313). . Then, the specified payment processing unit 160 transmits a payment completion notification indicating that the payment by the "specified installment payment" has been completed to the payment application 20, and ends the series of processes (S310).

For example, in the example of FIG. 14, when the button G41 is pressed, an application for use of the privilege ticket is made to the payment server 100, and when the application for use is accepted, the payment server 100 starts counting the holding time. . On the other hand, in the user terminal device 10, the screen transition from the payment screen G40B to the payment screen G40C is performed in response to pressing of the button G41. The settlement screen G40C displays the remaining time until the suspension time elapses (or the elapsed time from the start of clocking). The display of the elapsed time is updated as needed according to the passage of time. The payment screen G40C waits for input of the division method and payment execution instruction until the suspension time elapses. The payment screen G40C includes a display area G43 for the payment amount when using the privilege ticket, a display area G44 for the remaining holding time, a group of buttons G45 for accepting specification of the division method, and a button G46 for accepting an application for using the privilege ticket. , and a button G47 for receiving an instruction to execute electronic payment in normal payment.

The example of FIG. 14 is for a case where the holding time is 60 seconds, and the payment screen G40C1 represents the payment screen G40C immediately after starting the measurement of the holding time. In the payment screen G40C1, since the division method is not selected, the total payment amount "100,000 yen" is displayed in the display area G43. The settlement screen G40C2 is a display example of the settlement screen G40C after 12 seconds have elapsed from the state of the settlement screen G40C1. The payment screen G40C2 represents a state in which the button G46 is pressed with the number of divisions "three times" selected as the division method. In this situation, the display area G43 displays the monthly payment amount "33333 yen" obtained by dividing the total payment amount by the selected number of divisions "3 times". Since this is the payment amount exempted from the burden of the split interest fee by using the privilege ticket, it is the amount obtained by simply dividing the total payment amount by the number of splits. As a result of pressing the button G<b>46 in this state, an application for use of the privilege ticket is transmitted to the settlement server 100 . When the payment server 100 accepts the application for use of the privilege ticket, the payment server 100 executes the electronic payment and notifies the payment application 20 of the completion of payment. On the other hand, the payment application 20 waits for a payment completion notification from the payment server 100 after transmitting the application for use of the privilege ticket, and when the payment completion notification is received, displays the payment screen G40D (payment completion screen) and displays the privilege ticket. to inform the user that payment has been completed (strictly speaking, the payment method has been determined). Note that when the normal payment is selected as the payment method on the payment screen G40C1, the payment application 20 shifts to the normal payment process and transmits a payment request for the normal payment to the payment server 100. FIG.

Although FIG. 14 shows a display example in which the payment screen G40B is overlaid on the payment screen G40A, the payment screen G40B may be configured as a separate screen following the payment screen G40A. In addition, since the payment screen G40C can also receive the specification of the division method, the payment screen G40B may be omitted. In this case, the payment application 20 waits for a payment completion notice from the payment server 100 while displaying the payment screen G40A, and changes the payment screen G40A to the payment screen G40C in response to receiving the payment completion notice. may

According to the processing flow of the first embodiment described above, the settlement server 100 waits for the holding time in response to the application for use of the privilege ticket and synchronizes the timing, thereby realizing specific installment payment in the store scan method. can do.

<Second embodiment (asynchronous control)>
FIG. 15 is a flow chart showing an example of the flow of processing executed by the settlement server 100 regarding the second embodiment of the specific installment payment in the store scan method. For example, the processing flow shown in FIG. 15 can be described as pre-processing of step S15 (reading and decoding of the code image) in the flow of store scan type electronic payment in FIG. That is, the processing flow of FIG. 15 is executed before the user presents the code image to the first store terminal device 50. In other words, the processing flow of FIG. In this case, for example, in the payment server 100, the processing flow of FIG. 15 is started in response to the payment processing unit 130 accepting an application for using a privilege ticket via the payment application 20 (S401). Here, the payment application 20 provides the payment server 100 with information that enables identification of the privilege ticket to be applied for and the user who has applied for the use of the privilege ticket. shall recognize the privilege ticket for which the application is made and the user who made the application (target user) by accepting the application for the use of the privilege ticket. The settlement processing unit 130 refers to the user information 172 and determines whether or not the recognized target user has acquired a privilege ticket (S402).

Here, if it is determined that the privilege ticket has not been acquired for the target user, the settlement processing unit 130 concludes that there is no privilege ticket for which the usage method should be set, and terminates the process. On the other hand, if it is determined in step S402 that the privilege ticket has been acquired for the target user, the settlement processing unit 130 determines whether the validity period of the acquired privilege ticket is valid. It is determined whether or not (S403). Step S403 is the same as step S304 in FIG. Here, if it is determined that the validity period of the privilege ticket is not valid, the specific settlement processing unit 160 concludes that there is no privilege ticket for which the usage method should be set, and terminates the process.

On the other hand, if it is determined in step S403 that the privilege ticket is currently valid, the specific settlement processing unit 160 accepts designation of the division method for the specific installment payment (S404). Next, the specified payment processing unit 160 registers the fact that the application for use of the target privilege ticket has been accepted in the user privilege information of the user information 172 as the usage setting of the privilege ticket together with the specified splitting method ( S405), the series of processing ends.

In such a specific installment payment of the second embodiment, when the payment server 100 receives a payment request by the store scan method from the first store terminal device 50, it refers to the user privilege information for the requesting user, Check the registration status of the usage settings for acquired reward tickets. The settlement server 100, when usage settings are registered for an acquired privilege ticket and the usage conditions for the privilege ticket are satisfied, the settlement server 100 issues a settlement request by a specific installment payment according to the division method set for the privilege ticket. process. The usage conditions for the privilege ticket may be determined in a manner similar to that of FIG. 12 . On the other hand, the settlement server 100 processes the settlement request by a payment method other than the specified installment payment when there is no privilege ticket that has already been acquired or if usage settings for the privilege ticket that has already been acquired are not registered.

FIG. 16 is a diagram showing a transition example of screens displayed on the user terminal device 10 in the specific installment payment of the second embodiment. For example, the payment application 20 displays the payment screen G50A according to the user's operation at the time of payment. For example, when the privilege ticket has already been acquired, the payment application 20 displays a payment screen G50A including a code image IMG3 and a button G51 for accepting an application for use of the privilege ticket. If the privilege ticket has not been acquired, the payment application 20 may display a payment screen G50A that does not include the button G51. It should be noted that the user can make the payment by normal payment by causing the first shop terminal device 50 to read the code image IMG3 displayed on the payment screen G50A. For illustration purposes, the user does not present the code image at this point.

Subsequently, the payment application 20 displays a payment screen G50B in response to pressing of the button G51 on the payment screen G50A. The payment screen G50B includes a button group G52 for presenting options for the division method, and a button G53 for receiving an operation for setting the selected division method to the payment server 100. FIG. In the payment screen G50B, when the button G53 is pressed while one of the options for the division method presented by the button group G52 is selected, the payment application 20 sends the selected division method to the payment server 100. The user is requested to register usage settings for the benefit ticket that has been notified and acquired, and the payment screen G50C is displayed. The payment screen G50C includes a code image IMG3 and a display area G54 indicating that usage settings for the privilege ticket have been completed. As a result, when the user presents the code image IMG3 to the first store terminal device 50, the user can confirm whether or not there is a privilege ticket that has already been acquired by checking the display of the button G51 or the display area G54. It is possible to recognize whether or not the acquired benefit ticket has been set for use.

In this case, the user presents the code image IMG3 to the first shop terminal device 50 after confirming on the payment screen G50C that the use of the obtained privilege ticket has already been set, so that the set division method can be used. Payment can be settled by specific installments. After that, the payment server 100 executes electronic payment by specific installments, and a completion notification is sent to the payment application 20 . On the other hand, after displaying the payment screen G50C, the payment application 20 waits for the payment completion notification from the payment server 100, and when the payment completion notification is received, displays the payment screen G50D, and the payment using the privilege ticket is completed. Notify users to that effect.

According to the processing flow of the second embodiment described above, the payment application 20 registers the usage settings for the acquired privilege ticket in the payment server 100 before executing the electronic payment, thereby enabling the store scan method to , the specific installment payment can be realized without synchronizing the timing of the use setting of the privilege ticket and the execution timing of the electronic payment.

FIG. 17 is a diagram summarizing the contents of exchanges between the user, the member, and the operator of the electronic payment service in the specific installment payment of the embodiment. Such exchanges are realized by the user terminal device 10, the first arcade terminal device 50, the second arcade terminal device 70, and the settlement server 100 performing the above-described processing. By realizing such an exchange, the specific installment payment of the embodiment is realized. In FIG. 17, the user corresponds to the user terminal device 10 or the settlement application 20, the member corresponds to the first store terminal device 50 or the second store terminal device 70, and the electronic settlement service operator corresponds to the settlement server 100. corresponds to

First, the member uses the second shop terminal device 70 to register the privilege in the settlement server 100 (S61). The settlement server 100 identifies a user to whom the registered privilege is applicable, and distributes privilege information on the applicable privilege to the user terminal device 10 of the specified user (S62). Note that, as described above, the conditions for determining whether the privilege is applicable to the user may take into consideration the confirmation result of the credit risk for the user. The user confirms the privilege information distributed from the settlement server 100, and (if necessary) acquires a privilege ticket to the user terminal device 10 (S63). The exchanges up to this point are performed before the user pays for the specified installment payment.

Subsequently, at the time of payment, the user applies to the payment server 100 for using the privilege ticket (S71). If the privilege ticket can be used, the settlement server 100 executes electronic settlement by the specified installment payment by the installment method specified by the user, and confirms the user's payment method as the specified installment payment (S72: Settlement Confirmation). ). These exchanges require reading of the code image by the user terminal device 10 or the first store terminal device 50, and therefore are carried out while the user is visiting the member store.

Subsequently, the settlement server 100 requests monthly payments through specific installment payments determined with the user, and completes the settlement upon receipt of the set number of payments (S81). If the user has set an automatic payment operation when the charge balance is insufficient (so-called auto-charge), and if the charge balance is insufficient at the time of monthly payment, the settlement server 100 The charge may be withdrawn after the charge balance is charged from the user's account of the financial institution. The operator of the electronic payment service deposits the amount paid by the user, minus the amount corresponding to the divided interest fee as the service fee, into the member's account as sales proceeds (S82).

According to the embodiment described above, the first store terminal device 50 reads the code image of the user terminal device 10 to generate payment information, and the user terminal device 10 reads the code image of the member store. In both the user scan method electronic payment that generates payment information by reading an image, it will be possible to provide users with a payment method based on a specified installment payment in which the member bears the installment interest fee. It is possible to increase the possibility that the user will purchase the product to be sold.

The processing for realizing the specific installment payment has been described above for each of the user scan method and the store scan method. is. Therefore, part of the processing executed by the payment server 100 may be configured to be executed by the payment application 20 as long as the information necessary for the processing can be linked to the payment application 20 through communication. Similarly, part of the processing executed by the payment application 20 may be configured to be executed on the payment server 100 side.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

DESCRIPTION OF SYMBOLS 10... User terminal device, 20... Payment application, 50... First shop terminal device, 60... Shop code image, 70... Second shop terminal device, 72... Interface for member stores, 100... Payment server, 110... Communication unit , 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 150 Normal payment processing unit 160 Specific payment processing unit 161 Privilege registration unit 162 Privilege information distribution unit 163 Use Applicability determination unit 164 Payment management unit 165 Proceeds receipt unit 170 Storage unit 172 User information 174 Payment content information 176 Store information

Claims (11)

A payment server that provides an electronic payment service,
a storage unit for storing setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service; ,
a payment content providing unit for displaying a payment screen for accepting input of a payment amount and selection of a payment method on a terminal device of a user;
Payment by the user to the member based on payment information received from the terminal device of the user, which includes information on the payment amount and information on the payment method, by electronic payment a payment processing unit that executes payment processing for payment;
with
The payment content providing unit accepts input of the payment amount and accepts a selection of whether to use the specified installment payment or a normal payment method that does not depend on the specific installment payment as a payment method for the payment amount. A payment screen is displayed on the terminal device of the user, and when the specific installment payment is selected on the first payment screen, a second payment screen for accepting a selection of a split method for the specific installment payment is displayed on the terminal device of the user. display,
The payment processing unit divides the payment amount input on the first payment screen into the number of payments according to the division method selected on the second payment screen by the specific installment payment, and settles the payment.
payment server. A payment server that provides an electronic payment service,
a storage unit for storing setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service; ,
A shop of the member that delivers a privilege ticket indicating the right to use the privilege to the terminal device in response to an acquisition request from the terminal device of the user, and reads the code image displayed on the terminal device of the user. Payment processing for acquiring payment information generated based on the code image from a terminal device and executing payment processing for electronic payment of the payment of the user to the member based on the acquired payment information. Department and
with
When the payment information is acquired , the payment processing unit determines whether or not the user related to the payment information has acquired the privilege ticket, and determines that the user has acquired the privilege ticket. If it is determined that the application for use of the privilege is accepted, and if the installment method for the specific installment payment is selected within a predetermined time after accepting the application for use , the total payment amount exempted from the interest fee for the installments is Settlement by dividing the number of payments according to the installment method,
payment server. A payment server that provides an electronic payment service,
a storage unit for storing setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service; ,
a payment processing unit that executes payment processing for electronic payment of the user's payment to the member based on the payment information received from the member's store terminal device;
with
When the payment processing unit receives from the terminal device of the user the selection of the division method for the specific installment payment and the application for use of the privilege , the payment processing unit performs the operation of the user at the time of the electronic payment together with the division method. Register the automatic application setting to apply the benefits regardless of
When the payment information is received from the store terminal device, the payment processing unit, if the automatic application setting of the privilege has been registered for the user related to the payment information , without depending on the operation of the user By applying the privilege, the total payment amount exempted from the divided interest fee is divided into the number of payments according to the division method, and settled.
payment server. The payment processing unit accepts an application for use of the privilege when a privilege ticket indicating the right to use the privilege has been obtained in advance on the terminal device of the user.
The settlement server according to any one of claims 1 to 3. The payment processing unit determines whether the privilege is valid at the time of executing the payment process, and executes payment by the specific installment payment when it is determined that the privilege is valid.
The settlement server according to any one of claims 1 to 3. A payment server that provides electronic payment services
Stores setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service;
Payment content provision processing for displaying a payment screen for accepting payment amount input and payment method selection on the user's terminal device;
Payment by the user to the member based on payment information received from the terminal device of the user, which includes information on the payment amount and information on the payment method, by electronic payment payment processing for payment;
A payment method that performs
In the settlement content providing process, the input of the settlement amount is accepted, and a selection of whether to use the specified installment payment or a normal payment method that does not depend on the specified installment payment is accepted as a payment method for the settlement amount. A payment screen is displayed on the terminal device of the user, and when the specific installment payment is selected on the first payment screen, a second payment screen for accepting a selection of a split method for the specific installment payment is displayed on the terminal device of the user. display,
In the payment process, the payment amount input on the first payment screen is divided into the number of payments according to the payment method selected on the second payment screen by the specific installment payment, and the payment is made.
Payment Method. A payment server that provides electronic payment services
Stores setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service;
A store terminal of the member that delivers a privilege ticket indicating the right to use the privilege to the terminal device in response to a request from the terminal device of the user, and reads a code image displayed on the terminal device of the user. A payment method that acquires payment information generated based on the code image from a device, and executes payment processing for electronic payment of the user's payment to the member based on the acquired payment information. There is
In the payment processing, when the payment information is acquired , it is determined whether or not the user related to the payment information has acquired the privilege ticket, and it is determined that the user has acquired the privilege ticket. In the event that an application for use of the privilege is accepted, and the installment method for the specified installment payment is selected within a predetermined time after accepting the application for use , the total payment amount exempted from the interest fee for the installments is Settle by dividing the number of payments according to the above-mentioned division method,
Payment Method. A payment server that provides electronic payment services
Stores setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service;
Execute payment processing for electronic payment of the user's payment to the member based on the payment information received from the member's store terminal device;
In the payment processing, when the selection of the division method for the specific installment payment and the application for the use of the privilege are received from the user's terminal device , the division method and the operation of the user at the time of the electronic payment Register the automatic application setting to apply the benefits without depending on
When the payment information is received from the store terminal device, and if the automatic application setting of the privilege has already been registered for the user related to the payment information , the privilege is applied without depending on the user's operation. , the total payment amount exempted from the burden of the divided interest fee is divided into the number of payments according to the division method, and settlement is made;
Payment Method. to the payment server that provides the electronic payment service,
Storing setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service;
Payment content provision processing for displaying a payment screen for accepting payment amount input and payment method selection on the user's terminal device;
Payment by the user to the member based on payment information received from the terminal device of the user, which includes information on the payment amount and information on the payment method, by electronic payment payment processing for payment ;
A program for executing
In the settlement content providing process, the input of the settlement amount is accepted, and a selection of whether to use the specified installment payment or a normal payment method that does not depend on the specified installment payment is accepted as a payment method for the settlement amount. A payment screen is displayed on the terminal device of the user, and when the specific installment payment is selected on the first payment screen, a second payment screen for accepting a selection of a split method for the specific installment payment is displayed on the terminal device of the user. display,
In the payment process, the payment amount input on the first payment screen is divided into the number of payments according to the payment method selected on the second payment screen by the specific installment payment, and the payment is made.
program for. to the payment server that provides the electronic payment service,
Storing setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service;
A shop of the member that delivers a privilege ticket indicating the right to use the privilege to the terminal device in response to an acquisition request from the terminal device of the user, and reads the code image displayed on the terminal device of the user. To acquire payment information generated based on the code image from the terminal device and execute payment processing for electronic payment of the user to the member based on the acquired payment information. A program of
In the payment processing, when the payment information is acquired , it is determined whether or not the user related to the payment information has acquired the privilege ticket, and it is determined that the user has acquired the privilege ticket. In the event that an application for use of the privilege is accepted, and the installment method for the specified installment payment is selected within a predetermined time after accepting the application for use , the total payment amount exempted from the interest fee for the installments is Settle by dividing the number of payments according to the above-mentioned division method,
program for. to the payment server that provides the electronic payment service,
Storing setting information of a privilege set by a member of the electronic payment service, which enables the use of a specific installment payment exempted from paying interest charges in installments using the electronic payment service;
A program for executing payment processing for electronic payment of a user's payment to said member based on payment information received from said member's store terminal device,
In the payment processing, when the selection of the division method for the specific installment payment and the application for the use of the privilege are received from the user's terminal device , the division method and the operation of the user at the time of the electronic payment to register automatic application settings that apply the benefits without depending on
When the payment information is received from the store terminal device, and if the automatic application setting of the privilege has already been registered for the user related to the payment information , the privilege is applied without depending on the user's operation. , the total payment amount exempted from the burden of the divided interest fee is divided into the number of payments according to the division method, and settled.
program for.

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