JP7369051B2 - User terminal, payment processing device and program - Google Patents

Description

The present invention relates to a user terminal, a payment processing device, and a program.

A payment system is known in which payment is made by a reading device reading information embedded in a code (for example, see Patent Document 1).
[Prior art documents]
[Patent document]
[Patent Document 1] Japanese Patent Application Publication No. 2019-113924

In code payments where a payment terminal reads code information displayed on a user terminal, when multiple users pay individually using code payments, it is necessary to read the code information displayed on each user terminal.

In a first aspect of the invention, a user terminal is provided. The user device includes a code information generation unit that generates first code information in which payment information of a user associated with the user terminal is embedded. The user device includes a code information acquisition unit that acquires second code information in which payment information of another user associated with another user terminal is embedded. The user device includes a display unit that displays first code information and second code information when the user and other users make payment.

The code information acquisition section may include an imaging section. The code information acquisition section may include an extraction section that extracts the second code information from the image captured by the imaging section.

The code information acquisition unit may include a code information reception unit that receives the second code information from another user terminal by short-range wireless communication.

The code information receiving unit may receive the second code information encrypted based on the encryption key associated with the payment destination.

The display unit may display the first code information and the second code information in order.

The second code information may include at least one of information indicating the payment amount of the other user, location information of the other user terminal, and unique information associated with the payment destination.

The user terminal may include a payment amount information acquisition unit that acquires information indicating the user's payment amount and other users' payment amounts based on user operations. The user terminal may include an approval requesting section that requests the other user terminal to approve the payment of the payment amount obtained by the payment amount information obtaining section of the other user. The code information acquisition unit may acquire the second code information when approval is obtained from another user terminal.

In a second aspect, a payment processing device is provided. The payment processing device includes a payment information receiving unit that receives payment information including first code information and second code information read by the store terminal from the user terminal, from the store terminal. The payment processing device includes a payment processing unit that performs payment to a user based on first code information, and performs payment to another user based on second code information.

In a third aspect, a payment processing device is provided. The payment processing device receives from the store terminal payment information including the first code information and the user's payment amount read by the store terminal from the user terminal, and the second code information and the other user's payment amount. A payment information receiving section is provided. The payment processing device includes a payment processing unit that performs payment to a user based on first code information, and performs payment to another user based on second code information. The second code information includes information indicating the amount paid by another user. The payment processing unit does not perform payment to another user based on the second code information when the payment amount indicated by the second code information and the payment amount of the other user included in the payment information do not match.

In a fourth aspect, a payment processing device is provided. The payment processing device includes a payment information receiving unit that receives payment information including first code information and second code information read by the store terminal from the user terminal, from the store terminal. The payment processing device includes a payment processing unit that performs payment to a user based on first code information, and performs payment to another user based on second code information. The second code information includes location information of other user terminals. The payment processing unit does not perform payment for another user based on the second code information when the location associated with the store terminal and the location of the other user terminal indicated by the location information do not match.

In a fifth aspect, a program is provided. The program causes the computer to function as the user terminal described above.

In a sixth aspect, a program is provided. The program causes the computer to function as the payment processing device described above.

Note that the above summary of the invention does not list all the necessary features of the invention. Furthermore, subcombinations of these features may also constitute inventions.

1 schematically shows an example of the configuration of a system 10 in one embodiment. 8 is a block diagram showing the functional configuration of a user terminal 82. FIG. 2 is a block diagram showing the functional configuration of a payment processing device 40. FIG. 7 is a chart showing processing executed by each of the user 80, the store terminal 72, and the payment processing device 40. FIG. An example of a screen displayed on the user terminal 82 is shown. This is an example of a screen displayed on the user terminal 82a. This is an example of a screen displayed on the user terminal 82a. An example of a screen displayed on the user terminal 82 is shown. An example of a screen displayed on the user terminal 82 is shown. An example of a screen displayed on the user terminal 82 is shown. An example of a screen displayed on the user terminal 82a is shown. An example of a screen displayed on the user terminal 82a is shown. An example of a screen displayed on the user terminal 82a is shown. An example of a screen displayed on the user terminal 82a is shown. An example of a screen displayed on the user terminal 82a is shown. An example of a screen displayed on the user terminal 82 is shown. An example of a computer 2000 according to this embodiment is shown.

Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the invention according to the claims. Furthermore, not all combinations of features described in the embodiments are essential to the solution of the invention. In addition, in the drawings, the same or similar parts may be given the same reference numerals and redundant explanations may be omitted.

FIG. 1 schematically shows an example of the configuration of a system 10 in one embodiment. The system 10 includes a payment processing device 40, a user terminal 82a, a user terminal 82b, a user terminal 82c, a user terminal 82d, and a store terminal 72.

The user terminal 82a is a terminal used by the user 80a. The user terminal 82b is a terminal used by the user 80b. The user terminal 82c is a terminal used by the user 80c. The user terminal 82d is a terminal used by the user 80d. User 80a, user 80b, user 80c, and user 80d may be collectively referred to as "user 80." User terminal 82a, user terminal 82b, user terminal 82c, and user terminal 82d may be collectively referred to as "user terminal 82." The user terminal 82 may be a mobile terminal such as a smartphone, a wearable terminal having a communication function, a portable information terminal such as a PDA, or the like.

User 80 is a customer of store 70. The store 70 is, for example, a restaurant or the like. The store terminal 72 is a terminal provided in the store 70. The store terminal 72 is a terminal provided at the checkout location of the store 70 and operated by a clerk of the store 70.

Network 11 is any network. The network 11 includes the Internet, and at least one of a mobile telephone network, a public communication network, and a dedicated network such as the so-called 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation). may be included. User terminal 82 and store terminal 72 communicate with payment processing device 40 . The payment processing device 40 performs processing related to payment when the user 80 pays the usage fee for the store 70 .

The user terminal 82 performs electronic payment using a two-dimensional code such as a QR code (registered trademark) or a code such as a barcode. Perform electronic payments using the store scan method (user presentation type). Specifically, store terminal 72 reads code information displayed on user terminal 82. The store terminal 72 transmits the read code information to the payment processing device 40 together with the payment amount input into the store terminal 72. The payment processing device 40 performs payment processing based on the code information and payment amount received from the store terminal 72. The payment processing device 40 subtracts points corresponding to the payment amount from the points of the user 80 specified from the code information, and performs credit card payment based on credit card information registered in advance by the user 80.

The user terminal 82 has a function for a representative of one of the users 80 to perform code payment on behalf of the other users 80. Specifically, the user 80 other than the representative transfers the right to make a payment to the representative and has the representative perform the code payment. In this embodiment, when users 80a, 80b, 80c, and 80d eat and drink together at a restaurant 70, the user 80a acts as a representative to pay for the food and drinks that are incurred when the users 80a, 80b, 80c, and 80d eat together at the restaurant 70. A case will be illustrated in which code payments are also made for users 80c and 80d.

The user terminal 82a generates code A based on the operation of the user 80a. User terminal 82b generates code B based on the operation of user 80b. The user terminal 82c generates the code C based on the operation of the user 80c. The user terminal 82d generates the code D based on the operation of the user 80d. User terminal 82b, user terminal 82c, and user terminal 82d each transmit code B, code C, and code D to user terminal 82a. Alternatively, the user terminal 82a reads the code B, code C, and code DR displayed on the user terminal 82b, the user terminal 82c, and the user terminal 82d. When the user 80a makes a code payment at the store terminal 72 using the user terminal 82a, the user 80a switches and displays the code A, code B, code C, and code D in order. For example, the user terminal 82a switches and displays code A, code B, code C, and code D in the order in which the items are printed on the accounting slip.

Every time the store terminal 72 reads a code from the user terminal 82a, it transmits payment information including the read code and the amounts of the items printed in the corresponding order on the accounting slip to the payment processing device 40. The payment processing device 40 performs payment processing based on the code and payment amount included in the received payment information.

According to the system 10, even when billing each of a plurality of users 80, the payment can be completed at the store terminal 72 using the user terminal 82 of one representative. Since the store terminal 72 acquires the code information of the plurality of user terminals 82 from the user terminal 82a, the time required for acquiring the codes on the store 70 side can be shortened.

FIG. 2 is a block diagram showing the functional configuration of the user terminal 82. The user terminal 82 includes a code information generation section 210, a code information acquisition section 220, a display section 230, a display control section 240, a payment amount information acquisition section 250, an approval request section 260, and a code information transmission section 270. , and a storage unit 290. The code information acquisition section 220 includes an imaging section 222, an extraction section 224, and a code information reception section 226. The storage unit 290 is realized by a nonvolatile storage medium and a volatile storage medium. The code information generation section 210, the extraction section 224, the code information reception section 226, the display control section 240, the payment amount information acquisition section 250, the approval request section 260, and the code information transmission section 270 are realized by a processing device such as a processor. .

Note that the user terminal 82a, the user terminal 82b, the user terminal 82c, and the user terminal 82d have the same functional configuration. In the explanation related to FIG. 2, the operation of the user terminal 82a will be mainly explained. In this case, the user terminal 82b, the user terminal 82c, and the user terminal 82d become "other user terminals 82." The code payment function by the user terminal 82 may be realized by code payment application software.

The code information generation unit 210 generates first code information in which payment information of the user 80a associated with the user terminal 82a is embedded. Code A in this embodiment is an example of first code information. The code information acquisition unit 220 acquires second code information in which payment information of the other users 80b, 80c, and 80d associated with the other user terminals 82b, 82b, and 82c is embedded. . Code B, code C, and code D in this embodiment are examples of second code information. The display unit 230 displays the first code information and the second code information when the user 80a, the other users 80b, the users 80c, and the users 80d make payments.

In the code information acquisition unit 220, the imaging unit 222 generates a captured image of the subject. The extraction unit 224 extracts second code information from the image captured by the imaging unit 222. In the code information acquisition unit 220, the code information reception unit 226 receives the second code information from the user terminals 82b, 82c, and 82d by short-range wireless communication.

The code information receiving unit 226 may receive the second code information encrypted based on the encryption key associated with the payment destination. For example, in the user terminal 82b, the user terminal 82c, and the user terminal 82d, the code information transmitting unit 270 acquires the public encryption key associated with the store 70 from the server provided in the store 70 or the payment processing device 40, and acquires the public encryption key associated with the store 70. The second code information encrypted based on the public encryption key may be transmitted to the user terminal 82a. When the store terminal 72 reads the encrypted second code information, the store terminal 72 decrypts the second code information using the private key associated with the store 70 and stores the decrypted second code information. It may be transmitted to the payment processing device 40. Thereby, the safety when transmitting the second code information to other user terminals 82 can be improved.

The display unit 230 displays the first code information and the second code information in order. For example, the display control section 240 may display the first code information and the second code information on the display section 230 in a predetermined order. The display control unit 240 may display the first code information and the second code information on the display unit 230 in the order specified by the user 80.

The second code information includes information indicating the payment amounts of the other users 80b, 80c, and 80d, location information of the other user terminals 82b, 82c, and 82d, and information associated with the store 70. It may include at least one piece of unique information. Note that the store 70 is an example of a payment destination.

The payment amount information acquisition unit 250 may acquire information indicating the payment amount of the user 80a and the payment amounts of the other users 80b, 80c, and 80d based on user operations. The approval requesting unit 260 requests the user terminals 82b, 82c, and 82d to approve the payments of the other users 80b, 80c, and 80d that have been acquired by the payment amount information acquisition unit 250. The code information acquisition unit 220 may acquire the second code information when approval is obtained from the other user terminals 82b, 82c, and 82d. For example, other user terminals 82 may generate code information and transmit it to user terminal 82a via wireless communication if approval is obtained from each user 80. The code information receiving unit 226 may receive the second code information from another user terminal 82 by wireless communication. In this way, the payment amount of another user 80 can be specified on the user terminal 82a. Thereby, the amount to be paid by the other users 80 can be freely set. Moreover, the operational load on other users 80 can be reduced.

FIG. 3 is a block diagram showing the functional configuration of the payment processing device 40. Payment processing device 40 includes a processing section 300 and a storage section 390. The processing section 300 includes a payment information receiving section 310, a payment processing section 320, and a notification section 330. The storage unit 390 is realized by a non-volatile and volatile storage medium. The processing unit 300 is realized by a processing device such as a processor.

The payment information receiving unit 310 receives payment information including the first code information and second code information read by the store terminal 72 from the user terminal 82 from the store terminal 72 . The payment processing unit 320 performs payment for the user 80a based on the first code information, and performs payment for the other users 80b, 80c, and 80d based on the second code information. When the payment is made based on the second code information, the notification unit 330 notifies the other user terminals 82b, 82c, and 82d that the payment is made based on the second code information.

Note that the payment information includes first code information and the user's payment amount, second code information for each of the other users 80b, 80c, and 80d, and each of the other users 80b, 80c, and 80d. may include the payment amount. The second code information may include information indicating the amount paid by another user. For each of the other users 80b, 80c, and 80d, the payment processing unit 320 uses the second code information when the payment amount indicated by the second code information and the payment amount included in the payment information do not match. do not make payments to other users based on For example, when the payment processing unit 320 receives payment information indicating code B and a payment amount of 1100 yen from the store terminal 72, if code B includes information indicating 1200 yen as the payment amount, the payment processing unit 320 Payment for 80b will not be made. This can prevent payments from being made if the order in which the codes are displayed on the user terminal 82a does not correspond to the order in which the payment amounts are input into the store terminal 72.

The second code information may include location information of each of the other user terminals 82b, 82c, and 82d. When the location associated with the store terminal 72 and the location indicated by the location information included in the second code information do not match, the payment processing unit 320 sends other users 80b and 80c based on the second code information. and does not make payment to user 80d. Thereby, it is possible to prevent a payment from being made using the code information of a user 80 who is not around the user 80a making the payment.

Note that the code information generation units 210 of the other user terminals 82b, 82c, and 82d display the information on their own display unit 230 when generating the second code information to be transmitted to the user terminal 82a. The second code information may include predetermined specific information different from the information included when generating the code information. When the payment processing unit 320 receives the second code information from the store terminal 72 and the second code information includes "predetermined specific information", the payment processing unit 320 performs the payment and receives the second code information. If the "predetermined specific information" is not included, the payment based on the second code information is not performed. For example, the "predetermined specific information" may be unique information associated with the store 70, for example. If the unique information included in the second code information received from the store terminal 72 does not match the unique information of the store 70 associated with the store terminal 72, the payment processing unit 320 processes the payment based on the second code information. Do not do this. This can reduce the possibility that the second code information will be misused. Furthermore, before making a payment based on the second code information, the payment processing unit 300 inquires of the other user terminals 82b, 82c, and 82d, and upon receiving notification that the payment is permitted, the payment processing unit 300 Payment may be made based on the code information in step 2. After the payment information receiving unit 310 receives in advance from the user terminals 82b, 82c, and 82d that payment is permitted, the payment processing unit 300 performs payment based on the second code information. Good too. This can reduce the possibility that the second code information will be misused.

FIG. 4 is a chart showing the processing executed by the user 80, the store terminal 72, and the payment processing device 40, respectively. In S402b, the display unit 230 of the user terminal 82b displays code B. Similarly, the display unit 230 of the user terminal 82c displays code C in S402c, and the display unit 230 of the user terminal 82d displays code D in S402d.

In this embodiment, it is assumed that the user terminal 82a receives code B and code C from the user terminal 82b and the user terminal 82c, respectively, via wireless communication. Further, it is assumed that the user terminal 82a optically reads the code D displayed on the display unit 230 of the user terminal 82d.

In the chart of FIG. 4, the code information transmitting units 270 of the user terminals 82b and 82c transmit code information to the user terminal 82a (S404). At this time, the code information transmitter 270 may encrypt the code and transmit it to the user terminal 82a. For example, the code information transmitting unit 270 may transmit a code encrypted using a public key associated with the store 70 to the user terminal 82a. The code information receiving unit 226 of the user terminal 82a extracts codes B and C from the data received from the user terminal 82b and the user terminal 82c (S406). Further, in S408, the user terminal 82a images the code D displayed on the display unit 230 of the user terminal 82 with the imaging unit 222, and the extraction unit 224 extracts the code D from the captured image.

In S410, when the user terminal 82a detects that the user 80b, the user 80c, and the user 80d have performed an operation indicating that the transfer of the right to pay has been approved, the display unit 230 of the user terminal 82a displays a code in S412. Display A. In S413, the store terminal 72 optically reads the code A, and in S414, the store terminal 72 transmits payment information including the price paid by the user 80a and the code A to the payment processing device 40.

Subsequently, in S416, the display control unit 240 of the user terminal 82a causes the display unit 230 to display the code B, in S417 the store terminal 72 optically reads the code B, and in S418 the store terminal 72 allows the user 80b to make the payment. Payment information including the price and code B is transmitted to the payment processing device 40. Note that if the read code B is encrypted, the store terminal 72 decrypts the code B with the private key of the store 70 and sends the payment information including the decrypted code B to the payment processing device 40. good.

Similarly, in S420, the display control unit 240 of the user terminal 82a displays the code C on the display unit 230, in S421 the store terminal 72 optically reads the code C, and in S422 the store terminal 72 displays the price paid by the user 80c. and payment information including code C is transmitted to the payment processing device 40. Further, in S424, the display control unit 240 of the user terminal 82a displays the code D on the display unit 230, in S425 the store terminal 72 optically reads the code D, and in S426 the store terminal 72 displays the price paid by the user 80d and the code The payment information including D is transmitted to the payment processing device 40.

In this way, the display control unit 240 of the user terminal 82a causes the display unit 230 to sequentially display the code A, code B, code C, and code D, and the store terminal 72 sequentially displays the codes displayed on the display unit 230. By reading the information and transmitting it to the payment processing device 40, each of the users 80a, 80b, 80c, and 80c can make payments.

Note that the display control unit 240 of the user terminal 82a may display Code A, Code B, Code C, and Code D on the display unit 230 in the order selected by the user 80a. For example, the user 80a verbally communicates the item to be paid for to a clerk at the store 70, causes the user terminal 82a to display a code for the user 80 paying for the item, and causes the store terminal 72 to read the code. You can repeat that. For example, the user 80a may notify the store clerk that the items listed on the checkout slip will be paid in descending order of the payment amount, and may switch the display of the code so that the codes are read on the store terminal 72 in descending order of the payment amount. .

The user 80a may instruct the switching of the code to be displayed on the display section 230 through a button displayed on the display section 230 of the user terminal 82a. For example, when a button at a predetermined position on the display section 230 is selected by the user 80a while a code is being displayed on the display section 230, the display control section 240 controls the display control section 240 to display the next code after the currently displayed code. The display unit 230 may display the codes to be displayed in the order of . Further, the user 80a may instruct switching of the code to be displayed on the display unit 230 by shaking the user terminal 82a. For example, when an acceleration exceeding a predetermined value is detected while displaying a code on the display unit 230, the display control unit 240 may display a code to be displayed in the order following the currently displayed code. may be displayed on the display unit 230.

The display control unit 240 acquires information indicating the display order of code A, code B, code C, and code D based on a user operation, and displays the codes on the display unit 230 in the display order indicated by the acquired information. You can switch the display. For example, the user 80a may specify the display order on the user terminal 82a so that the codes are displayed in the order in which they are printed on accounting slips issued by the store 70. The user 80a verbally informs the store clerk that the payments will be made in the order printed on the checkout slip. When operating the store terminal 72, the clerk repeatedly inputs the payment amount into the store terminal 72 and reads the code in the order printed on the accounting slip.

Further, code A, code B, code C, and code D may include information indicating the payment amount. In this case, the display control unit 240 of the user terminal 82a may switch between Code A, Code B, Code C, and Code D and display them on the display unit 230 in order of the highest payment amount or the lowest payment amount. For example, if the display of codes is switched in descending order of payment amount, the store terminal 72 may automatically specify the payment amount according to the input payment amount each time the code is read.

Note that after reading one code, the store terminal 72 may output a predetermined sound when it is ready to read the next code. When a predetermined sound is detected while displaying a code on the display unit 230, the display control unit 240 of the user terminal 82a selects a code to be displayed in the order following the currently displayed code. , may be displayed on the display unit 230.

The store terminal 72 may output information indicating the number of codes read and the total amount of payment associated with the read codes. For example, if the payment amount is included in the code read from the user terminal 82a, the store terminal 72 notifies the user 80a of the total amount of payment included in the continuously read codes by displaying or playing audio. It's fine. Each time the store terminal 72 reads the code, it may notify the user 80a of the payment amount included in the code by displaying or playing audio.

An example of a screen displayed on the user terminal 82 will be described with reference to FIGS. 5 to 16. The screens described in connection with FIGS. 5 to 16 are, for example, screens displayed by code payment application software.

FIG. 5 shows an example of a screen displayed on the user terminal 82. Screen 500 is displayed on each display unit 230 of user terminal 82a, user terminal 82b, user terminal 82c, and user terminal 82d. Screen 500 includes button 510 and button 520.

The button 510 is an object for receiving an instruction from another user 80 to accept the transfer of the right to pay the price. The button 520 is an object for receiving an instruction to transfer the right to pay to another user 80.

FIG. 6 is an example of a screen displayed on the user terminal 82a. The display control unit 240 of the user terminal 82a causes the display unit 230 to display the screen 600 when the button 510 in FIG. 5 is selected. Screen 600 is a screen for specifying the user 80 who sets the payment amount.

Screen 600 includes button 610 and button 620. The button 610 is an object for receiving an instruction from the user 80a not to specify a payment amount. That is, the button 610 is an object for receiving instructions from the other users 80b, 80c, and 80d to specify the payment amount. The button 620 is an object for receiving an instruction from the user 80a to specify a payment amount.

FIG. 7 is an example of a screen displayed on the user terminal 82a. The display control unit 240 of the user terminal 82a causes the display unit 230 to display the screen 700 when the button 610 in FIG. 6 is selected. Screen 700 is a screen for acquiring a code from another user terminal 82.

Screen 700 includes an object 710, an object 720, an object 730, and a button 740. Object 710 indicates that it is waiting for a code to be sent from another user terminal 82. The object 720 includes information indicating the user 80 who acquired the code and information indicating the total amount paid by the user 80 who acquired the code.

Object 730 is an object for reading codes displayed on other user terminals 82. The object 730 includes an image frame in which an image captured by the imaging unit 222 is displayed, and a recognition frame indicating a range from which the extraction unit 224 extracts a code from the image. The button 740 is an object for accepting an instruction to complete code acquisition from another user terminal 82.

FIG. 8 shows an example of a screen displayed on the user terminal 82. Screen 800 is displayed on user terminal 82b, user terminal 82c, and user terminal 82d. Specifically, the display control unit 240 of the user terminal 82 causes the display unit 230 to display the screen 800 when the button 520 in FIG. 5 is selected. Screen 800 is a screen for setting the user's own payment amount.

Screen 800 includes a text box 810 and a button 820. Text box 810 is an object for user 80 to input his or her payment amount. Button 820 is an object for receiving an instruction to complete input of payment amount.

FIG. 9 shows an example of a screen displayed on the user terminal 82. Screen 900 is displayed on user terminal 82b, user terminal 82c, and user terminal 82d. Specifically, the display control unit 240 of the user terminal 82 causes the display unit 230 to display the screen 900 when the button 820 in FIG. 8 is selected. Screen 900 is a screen for causing the user terminal 82a to obtain a code.

Screen 900 includes an object 910, an object 920, and a button 930. Object 910 indicates the amount entered in text box 810 in FIG. 8 in characters. The object 920 is a code generated by the code information generation unit 210. The button 930 is an object for receiving an instruction to transmit the code generated by the code information generation unit 210 via wireless communication.

The user 80a uses the imaging unit 222 to image an object 920 displayed on the display unit 230 of the user terminal 82d, for example, while the screen 700 shown in FIG. 7 is displayed on the display unit 230 of the user terminal 82a. The extraction unit 224 of the user terminal 82a extracts the code D from the image captured by the imaging unit 222, and temporarily stores it in the storage unit 290. Note that the extraction unit 224 may identify the payment amount of the other user 80 by extracting the characters of the object 910 on the screen 900 from the image captured by the imaging unit 222. If the code displayed in the object 920 includes information indicating the payment amount, the code information acquisition unit 220 may identify the payment amount from the information included in the code.

FIG. 10 shows an example of a screen displayed on the user terminal 82. Screen 1000 is displayed on user terminal 82b, user terminal 82c, and user terminal 82d. Specifically, the display control unit 240 of the user terminal 82 causes the display unit 230 to display the screen 1000 when the button 930 in FIG. 9 is selected. Screen 1000 is a screen for selecting the destination of the code.

Screen 1000 includes button 1010, button 1020, and button 1030. The display control unit 240 displays buttons 1010, 1020, and 1030 in association with information that identifies users 80 around the user terminal 82. For example, the user terminal 82 acquires identification information of surrounding user terminals 82 by short-range wireless communication or the like, and the code payment function of the user terminal 82 is performed by the users registered in the code payment application software. Users 80 associated with user terminals 82 existing in the surrounding area are displayed on a screen 1000. When the user 80 selects the button 1010, the code information transmitter 270 transmits the code displayed in the object 920 in FIG. 9 to the user terminal 82a. At this time, the code information transmitter 270 may transmit information indicating the payment amount to the user terminal 82a along with the code. Thereby, even if the code does not include information indicating the payment amount, the user terminal 82a can identify the payment amount of the other user 80.

When the code information receiving unit 226 of the user terminal 82a receives a code transmitted from another user terminal 82 while the screen 700 is displayed on the display unit 230 of the user terminal 82a, the object 720 in FIG. 7 is updated. At the same time, the received code is temporarily stored in the storage unit 290.

FIG. 11 shows an example of a screen displayed on the user terminal 82a. Screen 1100 includes object 1110, object 1120, object 1130, button 1170, and button 1180. Screen 1100 is a screen for approving transfer of payment rights from other users 80.

Object 1110 includes image information and name information of user 80b, and information indicating the amount paid by user 80b. Similarly, the object 1120 includes image information and name information of the user 80c, and information indicating the payment amount of the user 80c, and the object 1130 includes image information and name information of the user 80d, and information indicating the payment amount of the user 80d. including.

Button 1170 is an object for accepting an instruction from another user 80 to approve the transfer of payment rights. The button 1180 is an object for accepting an instruction from another user 80 to disapprove the transfer of payment rights.

FIG. 12 shows an example of a screen displayed on the user terminal 82a. Display control unit 240 of user terminal 82a causes screen 1200 to be displayed on display unit 230 when button 1170 in FIG. 11 is selected. Screen 1200 includes a button 1210 for accepting an instruction to start displaying code switching. When button 1210 is selected, code information generation unit 210 sequentially displays code A used for payment by user 80a and codes used for payment by other users 80 stored in storage unit 290 on display unit 230. Display.

The user 80a causes the code reader of the store terminal 72 to read the code displayed on the display unit 230 of the user terminal 82. Thereby, the payments billed to each of the users 80a, 80b, 80c, and 80d can be made using one user terminal 82a.

FIG. 13 shows an example of a screen displayed on the user terminal 82a. Display control unit 240 of user terminal 82a causes screen 1300 to be displayed on display unit 230 when button 620 in FIG. 6 is selected. Screen 1300 is a screen for user 80a to select the user 80 who will make the payment.

Screen 1300 includes button 1302, button 1304, object 1310, object 1320, object 1330, object 1340, object 1350, object 1360, and button 1380. Button 1302 is a button for accepting an instruction to directly specify the payment amount. Button 1304 is a button for accepting an instruction to specify the payment amount as a percentage.

Object 1310, object 1320, object 1330, object 1340, object 1350, and object 1360 are objects for receiving an instruction to select the user 80 to whom the payment right is to be transferred. Object 1310, object 1320, object 1330, object 1340, object 1350, and object 1360 each include user image information and name information. The user terminal 82a acquires identification information of surrounding user terminals 82 by short-range wireless communication, etc., and identifies users 80 associated with other user terminals 82 existing in the surrounding area among the users registered in the application. Displayed on screen 1300. Each time the user 80a selects object 1310, object 1320, object 1330, object 1340, object 1350, and object 1360, the selected state and non-selected state of the corresponding user 80 are switched.

Button 1380 is an object for receiving an instruction to input the payment amount from each user 80.

FIG. 14 shows an example of a screen displayed on the user terminal 82a. Screen 1400 is a screen for inputting the payment amount for each user 80. Display control unit 240 of user terminal 82a causes screen 1400 to be displayed on display unit 230 when button 1380 in FIG. 13 is selected with button 1302 in FIG. 13 being selected.

Screen 1400 includes text box 1410, text box 1420, text box 1430, and text box 1440. Text box 1410 is an object for inputting the user's 80a's own payment amount. Text box 1420, text box 1430, and text box 1440 are objects for inputting the payment amount of the other user 80 selected in FIG. 13.

Button 1480 is an object for receiving an instruction to the effect that input of the payment amount has been completed. When button 1480 is selected, approval request unit 260 sends an approval request to user terminal 82 of another user 80 requesting approval for transfer of payment rights. At this time, the approval requesting unit 260 includes information indicating the payment amount input in text box 1410, text box 1420, text box 1430, and text box 1440 in the approval request and transmits it.

FIG. 15 shows an example of a screen displayed on the user terminal 82a. Screen 1500 is a screen for inputting the payment amount for each user 80 as a percentage. Display control unit 240 of user terminal 82a causes screen 1500 to be displayed on display unit 230 when button 1380 in FIG. 13 is selected while button 1304 in FIG. 13 is selected.

Screen 1500 includes text box 1502, text box 1510, text box 1520, text box 1530, and text box 1540. A text box 1502 is an object for inputting the total amount paid by the user 80.

The text box 1510 is an object for inputting the ratio of the user 80a's own payment amount to the total payment amount. Text box 1520, text box 1530, and text box 1540 are objects for inputting the ratio of the payment amount of each of the other users 80 selected in FIG. 13 to the total payment amount. In text box 1510, text box 1520, text box 1530, and text box 1540, a value obtained by dividing 100% by the number of people is input as an initial value.

Button 1580 is an object for receiving an instruction to the effect that input of the percentage of the payment amount has been completed. When button 1580 is selected, approval request unit 260 sends an approval request to user terminal 82 of another user 80 requesting approval for the transfer of the right to pay. At this time, the approval request unit 260 determines the payment amount of each user 80 determined from the amount input in the text box 1502 and the ratio input in each of the text boxes 1510, 1520, 1530, and 1540. Include the information shown in the approval request and send it.

FIG. 16 shows an example of a screen displayed on the user terminal 82. Screen 1600 is displayed on user terminal 82b, user terminal 82c, and user terminal 82d. Specifically, display control unit 240 of user terminal 82 causes screen 1600 to be displayed on display unit 230 when button 1580 in FIG. 15 is selected. Screen 1000 is a screen that inquires whether each user 80 approves the transfer of the user's 80 payment right to user 80a.

Screen 1600 includes an object 1610, a button 1670, and a button 1680. Object 1610 is an object indicating the payment amount of each user 80. The amount indicated by object 1610 is determined by the payment amount included in the approval request received from user terminal 82a. Button 1670 is an object for accepting an instruction to approve the transfer of payment rights to user 80a. Button 1680 is an object for accepting an instruction to disapprove the transfer of payment rights to user 80a.

When button 1670 is selected, code information generation section 210 generates a code and transmits the code to user terminal 82a. Note that when the button 1670 is selected, the display control unit 240 may transmit the code to the user terminal 82a by displaying the screen 900 in FIG. 9 on the display unit 230 and causing the user terminal 82a to read the code. .

When the user terminal 82a receives a code from another user terminal 82 by selecting the button 1670 on the other user terminal 82, the display control unit 240 causes the display unit 230 to display the screen 1100 of FIG.

According to the system 10 described above, when each of the plurality of users 80 pays by code payment, the code payment is made at the store terminal 72 using the user terminal 82a of one representative. I can finish it. Therefore, since the store terminal 72 can acquire the code information of a plurality of other user terminals 82 from the user terminal 82a, it is possible to shorten the time required for payment at the store side.

FIG. 17 shows an example of a computer 2000 according to this embodiment. The program installed on the computer 2000 causes the computer 2000 to function as a device such as the payment processing device 40 according to the embodiment or each part of the device, execute operations associated with the device or each part of the device, and/or Alternatively, a process according to an embodiment or a step of the process may be performed. Such programs may be executed by CPU 2012 to cause computer 2000 to perform certain operations associated with some or all of the processing procedures and block diagram blocks described herein.

A computer 2000 according to this embodiment includes a CPU 2012 and a RAM 2014, which are interconnected by a host controller 2010. Computer 2000 also includes ROM 2026, flash memory 2024, communication interface 2022, and input/output chips 2040. ROM 2026, flash memory 2024, communication interface 2022, and input/output chip 2040 are connected to host controller 2010 via input/output controller 2020.

The CPU 2012 operates according to programs stored in the ROM 2026 and RAM 2014, thereby controlling each unit.

Communication interface 2022 communicates with other electronic devices via a network. Flash memory 2024 stores programs and data used by CPU 2012 within computer 2000. ROM 2026 stores programs such as a boot program executed by computer 2000 upon activation and/or programs dependent on the computer 2000 hardware. The input/output chip 2040 also connects various input/output units such as keyboards, mice, and monitors to input/output units such as serial ports, parallel ports, keyboard ports, mouse ports, monitor ports, USB ports, HDMI ports, etc. It may be connected to input/output controller 2020 via an output port.

The program is provided on a computer readable medium such as a CD-ROM, DVD-ROM, or memory card or via a network. RAM 2014, ROM 2026, or flash memory 2024 are examples of computer readable media. The program is installed in flash memory 2024, RAM 2014, or ROM 2026, and executed by CPU 2012. The information processing described in these programs is read by the computer 2000 and provides coordination between the programs and the various types of hardware resources mentioned above. An apparatus or method may be configured to implement the operation or processing of information according to the use of computer 2000.

For example, when communication is executed between the computer 2000 and an external device, the CPU 2012 executes a communication program loaded into the RAM 2014 and sends communication processing to the communication interface 2022 based on the processing written in the communication program. You can give orders. The communication interface 2022 reads transmission data stored in a transmission buffer processing area provided in a recording medium such as a RAM 2014 and a flash memory 2024 under the control of the CPU 2012, transmits the read transmission data to the network, and transmits the transmission data from the network. The received data is written to a reception buffer processing area provided on the recording medium.

The CPU 2012 also causes the RAM 2014 to read all or a necessary part of a file or database stored in a storage medium such as a flash memory 2024, and executes various types of processing on the data on the RAM 2014. good. The CPU 2012 then writes the processed data back to the recording medium.

Various types of information, such as various types of programs, data, tables, and databases, may be stored on a recording medium and subjected to information processing. The CPU 2012 performs various types of operations, information processing, conditional judgment, conditional branching, unconditional branching, information retrieval/information processing on the data read from the RAM 2014 as described herein and specified by the instruction sequence of the program. Various types of processing may be performed, including substitutions, etc., and the results are written back to RAM 2014. Further, the CPU 2012 may search for information in a file in a recording medium, a database, or the like. For example, if a plurality of entries are stored in a recording medium, each having an attribute value of a first attribute associated with an attribute value of a second attribute, the CPU 2012 search for an entry that matches the condition from among the multiple entries, read the attribute value of the second attribute stored in the entry, and thereby set the first attribute that satisfies the predetermined condition. An attribute value of the associated second attribute may be obtained.

The programs or software modules described above may be stored on computer readable media on or near computer 2000. A storage medium such as a hard disk or RAM provided in a server system connected to a private communication network or the Internet can be used as the computer-readable medium. A program stored on a computer readable medium may be provided to computer 2000 via a network.

A program that is installed on the computer 2000 and causes the computer 2000 to function as the payment processing device 40 may act on the CPU 2012 and the like to cause the computer 2000 to function as each part of the payment processing device 40. When the information processing described in these programs is read into the computer 2000, it functions as each part of the payment processing device 40, which is a concrete means in which software and the various hardware resources described above cooperate. Then, by realizing calculation or processing of information according to the purpose of use of the computer 2000 in this embodiment using these specific means, a unique payment processing device 40 according to the purpose of use is constructed.

Various embodiments have been described with reference to block diagrams and the like. In the block diagram, each block may represent (1) a stage in a process in which an operation is performed, or (2) a portion of a device responsible for performing the operation. Certain steps and portions may be implemented by dedicated circuitry, programmable circuitry provided with computer-readable instructions stored on a computer-readable medium, and/or a processor provided with computer-readable instructions stored on a computer-readable medium. It's fine. Dedicated circuitry may include digital and/or analog hardware circuitry, and may include integrated circuits (ICs) and/or discrete circuits. Programmable circuits include logic AND, logic OR, logic may include reconfigurable hardware circuitry, including, for example, reconfigurable hardware circuitry;

A computer-readable medium may include any tangible device capable of storing instructions for execution by a suitable device such that a computer-readable medium having instructions stored thereon may be specified in a process step or block diagram. comprising at least a portion of an article of manufacture that includes instructions that can be executed to provide a means for performing the operations performed. Examples of computer readable media may include electronic storage media, magnetic storage media, optical storage media, electromagnetic storage media, semiconductor storage media, and the like. More specific examples of computer readable media include floppy disks, diskettes, hard disks, random access memory (RAM), read only memory (ROM), erasable programmable read only memory (EPROM or flash memory), Electrically Erasable Programmable Read Only Memory (EEPROM), Static Random Access Memory (SRAM), Compact Disc Read Only Memory (CD-ROM), Digital Versatile Disc (DVD), Blu-ray Disc, Memory Stick, Integrated circuit cards and the like may be included.

Computer-readable instructions include assembler instructions, instruction set architecture (ISA) instructions, machine instructions, machine-dependent instructions, microcode, firmware instructions, state configuration data, or object-oriented programming such as Smalltalk, JAVA, C++, etc. language, and either source code or object code written in any combination of one or more programming languages, including traditional procedural programming languages such as the "C" programming language or similar programming languages. good.

Computer-readable instructions may be transmitted to a processor or programmable circuit of a general purpose computer, special purpose computer, or other programmable data processing device, either locally or over a wide area network (WAN), such as a local area network (LAN), the Internet, etc. ), computer-readable instructions may be executed to provide means for performing the operations specified in the illustrated process steps or block diagrams. Examples of processors include computer processors, processing units, microprocessors, digital signal processors, controllers, microcontrollers, and the like.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the range described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the embodiments described above. Moreover, matters described with respect to a particular embodiment can be applied to other embodiments within a technically consistent range. It is clear from the claims that such modifications or improvements may be included within the technical scope of the present invention.

The order of execution of each process, such as the operation, procedure, step, and stage in the apparatus, system, program, and method shown in the claims, specification, and drawings, is specifically defined as "before" or "before". It should be noted that they can be implemented in any order unless the output of the previous process is used in the subsequent process. Even if the claims, specifications, and operational flows in the drawings are explained using "first," "next," etc. for convenience, this does not mean that it is essential to carry out the operations in this order. It's not a thing.

10 System 11 Network 40 Payment processing device 70 Store 72 Store terminal 80 User 82 User terminal 210 Code information generation unit 220 Code information acquisition unit 222 Imaging unit 224 Extraction unit 226 Code information reception unit 230 Display unit 240 Display control unit 250 Payment amount information Acquisition unit 260 Approval request unit 270 Code information transmission unit 290 Storage unit 300 Processing unit 310 Payment information receiving unit 320 Payment processing unit 330 Notification unit 390 Storage unit 500 Screen 510 Button 520 Button 600 Screen 610 Button 620 Button 700 Screen 710 Object 720 Object 730 Object 740 Button 800 Screen 810 Text box 820 Button 900 Screen 910 Object 920 Object 930 Button 1000 Screen 1010 Button 1020 Button 1030 Button 1100 Screen 1110 Object 1120 Object 1130 Object 1170 Button 1180 Button 1200 Screen 1210 Button 1300 Screen 1302 Button 1 304 button 1310 Object 1320 Object 1330 Object 1340 Object 1350 Object 1360 Object 1380 Button 1400 Screen 1410 Text box 1420 Text box 1430 Text box 1440 Text box 1480 Button 1500 Screen 1502 Text box 1510 Text box 1520 Text box 1530 Text box 1540 Text box 1580 Button 1600 screens 1610 Object 1670 Button 1680 Button 2000 Computer 2010 Host Controller 2012 CPU
2014 RAM
2020 Input/output controller 2022 Communication interface 2024 Flash memory 2026 ROM
2040 input/output chip

Claims (12)

A user terminal,
a code information generation unit that generates first code information in which payment information of a user associated with the user terminal is embedded;
a code information acquisition unit that acquires second code information in which payment information of another user associated with another user terminal is embedded;
A user terminal comprising: a display unit that displays the first code information and the second code information when the user and the other user make payment. The code information acquisition unit includes:
an imaging unit;
The user terminal according to claim 1, further comprising an extraction section that extracts the second code information from the image captured by the imaging section. The user terminal according to claim 1 or 2, wherein the code information acquisition unit includes a code information reception unit that receives the second code information from the other user terminal by short-range wireless communication. The user terminal according to claim 3, wherein the code information receiving unit receives the second code information encrypted based on an encryption key associated with the payment destination. The user terminal according to any one of claims 1 to 4, wherein the display section displays the first code information and the second code information in order. The second code information includes at least one of information indicating a payment amount of the other user, location information of the other user terminal, and unique information associated with a payee of the price. 6. The user terminal according to any one of 1 to 5. a payment amount information acquisition unit that acquires information indicating the payment amount of the user and the payment amount of the other user based on a user operation;
further comprising an approval requesting unit that requests the other user terminal to approve the payment of the other user's payment amount acquired by the payment amount information acquisition unit,
The user terminal according to any one of claims 1 to 6, wherein the code information acquisition unit acquires the second code information when the approval is obtained from the other user terminal. A payment processing device,
A payment information receiving unit that receives payment information including the first code information and the second code information read by the store terminal from the user terminal according to any one of claims 1 to 7, from the store terminal. and,
A payment processing unit that performs payment for the user based on the first code information and performs payment for the other user based on the second code information. A payment processing device,
The first code information and the user's payment amount read by the store terminal from the user terminal according to any one of claims 1 to 7, and the second code information and the other user's payment amount. a payment information receiving unit that receives payment information including payment information from the store terminal;
a payment processing unit that performs payment to the user based on the first code information and performs payment to the other user based on the second code information,
The second code information includes information indicating the payment amount of the other user,
When the payment amount indicated by the second code information and the payment amount of the other user included in the payment information do not match, the payment processing unit is configured to process the payment processing unit based on the second code information. A payment processing device that does not make payments to users. A payment processing device,
A payment information receiving unit that receives payment information including the first code information and the second code information read by the store terminal from the user terminal according to any one of claims 1 to 7, from the store terminal. and,
a payment processing unit that performs payment to the user based on the first code information and performs payment to the other user based on the second code information,
The second code information includes location information of the other user terminal,
The payment processing unit performs payment for the other user based on the second code information when the location associated with the store terminal and the location of the other user terminal indicated by the location information do not match. No payment processor. A program for causing a computer to function as a user terminal according to any one of claims 1 to 7. A program for causing a computer to function as the payment processing device according to any one of claims 8 to 10.

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