JP2022103015A - Settlement processing method and settlement processing apparatus - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the burden on a user.

SOLUTION: A settlement processing apparatus 1 includes: a settlement processing unit 134 which receives a settlement token corresponding to a settlement code, a user ID, and a settlement information corresponding to a user from a user terminal 2 which has read the settlement code, determines whether a coupon indicated by a coupon ID stored in a storage unit 12 in association with the user ID received from the user terminal 2 is applicable to a settlement indicated by settlement information received from the user terminal 2, on the basis of a commodity ID identifying a predetermined commodity included in the settlement information and conditions for applying the coupon corresponding to the coupon ID, processes the settlement without applying the coupon when determining that the coupon is not applicable to the settlement, and holds association between the coupon ID and the user ID; and a coupon setting unit 132 which transmits the coupon ID for which the association with the user ID has been held to the user terminal 2 when receiving a screen display request for reading a new settlement code from the user terminal 2.

SELECTED DRAWING: Figure 2

COPYRIGHT: (C)2022,JPO&INPIT

Description

The present invention relates to a payment processing method and a payment processing device.

Code payment using a two-dimensional bar code such as a QR code (registered trademark) has become widespread (see, for example, Patent Document 1 and Patent Document 2). In the code payment, the payment is made by reading the two-dimensional bar code displayed by the store side by the user terminal or by reading the two-dimensional bar code displayed by the user terminal by the store side.

Japanese Patent No. 6513861 Japanese Patent No. 6473539

There is a service in which a coupon that the user wants to use or does not want to use is specified in advance, and the coupon is applied or not applied according to the specified conditions in the code payment. Here, when the code payment is completed, there is a possibility that the specified condition of the coupon specified by the user is canceled. In this case, the user had to set the coupon designation conditions again, which caused a burden on the user.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a payment processing method and a payment processing device that can reduce the burden on the user.

In the payment processing method according to the first aspect of the present invention, the user identification information that identifies the user, which is executed by the computer, and the coupon identification information that identifies the coupon that the user wants to use are stored in the storage unit in association with each other. A step of storing a payment token indicating a payment code for making a payment related to the purchase of a product in the storage unit, and a step of storing the payment code in the storage unit, and a user terminal used by the user who has read the payment code for the payment. From the user terminal to the step of receiving the payment token corresponding to the code, the user identification information, and the payment information corresponding to the user's payment, and the payment indicated by the payment information received from the user terminal. Whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the received user identification information is applicable is determined by the product identification information that identifies a predetermined product included in the payment information and the product identification information. The step of determining based on the application condition of the coupon corresponding to the coupon identification information, and when it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, and the applied coupon is applied. When the usage state of the product is changed and it is determined that the coupon is not applicable to the payment, the payment is performed without applying the coupon, and the association between the coupon identification information and the user identification information is maintained. When the step of receiving the screen display request for newly reading the payment code from the user terminal and the screen display request are received, the user can use the coupon identification information that holds the association with the user identification information. It has a step to send to the terminal.

In the payment processing method according to the second aspect of the present invention, the user identification information that identifies the user, which is executed by the computer, and the coupon identification information that identifies the coupon that the user wants to use are stored in the storage unit in association with each other. A step of storing a payment token indicating a payment code for making a payment related to the purchase of a product in the storage unit, and a step of storing the payment code in the storage unit, and a user terminal used by the user who has read the payment code for the payment. From the user terminal to the step of receiving the payment token corresponding to the code, the user identification information, and the payment information corresponding to the user's payment, and the payment indicated by the payment information received from the user terminal. Whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the received user identification information is applicable is determined by the product identification information that identifies a predetermined product included in the payment information and the product identification information. The step of determining based on the application condition of the coupon corresponding to the coupon identification information, and when it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, and the applied coupon is applied. When the usage state of the product is changed and it is determined that the coupon is not applicable to the payment, the payment is performed without applying the coupon, and the association between the coupon identification information and the user identification information is maintained. When the step of receiving the user identification information and the issuance request of the new payment code from the user terminal and the issuance request of the new payment code are received, the association with the user identification information is maintained. It has a step of transmitting the coupon identification information to the user terminal.

In the payment processing method according to the third aspect of the present invention, the user identification information that identifies the user, which is executed by the computer, and the coupon identification information that identifies the coupon that the user wants to use are stored in the storage unit in association with each other. A step of storing a payment token indicating a payment code for making a payment related to the purchase of a product in the storage unit, and a user terminal used by the user who has read the payment code for the payment. From the user terminal to the step of receiving the payment token corresponding to the code, the user identification information, and the payment information corresponding to the user's payment, and the payment indicated by the payment information received from the user terminal. Whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the received user identification information is applicable is determined by the product identification information that identifies a predetermined product included in the payment information and the product identification information. The step of determining based on the application condition of the coupon corresponding to the coupon identification information, and when it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, and the applied coupon is applied. When the usage state of the coupon is changed and it is determined that the coupon is not applicable to the payment, the payment is performed without applying the coupon, and the association between the coupon identification information and the user identification information is maintained. The step of receiving the user identification information and a request for issuing a new payment code from the user terminal, the coupon identification information in which the association between the user identification information and the user identification information is held, and the coupon identification information. It has a step of associating with a new payment token issued to generate a new payment code based on an issuance request and storing it in the storage unit.

The payment processing device according to the fourth aspect of the present invention includes a storage control unit that associates user identification information that identifies a user with coupon identification information that identifies a coupon that the user wants to use and stores it in a storage unit. , From the registration unit that stores the payment token indicating the payment code for making a payment related to the purchase of the product in the storage unit, and the user terminal used by the user who has read the payment code, to the payment code. The user includes the payment information receiving unit that receives the corresponding payment token, the user identification information, and the payment information corresponding to the user's payment, and the payment indicated by the payment information received from the user terminal. Product identification information that identifies a predetermined product included in the payment information to determine whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the user identification information received from the terminal is applicable. The coupon is determined based on the applicable conditions of the coupon corresponding to the coupon identification information, and when it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, and the applied coupon is applied. If the usage state of the coupon is changed and it is determined that the coupon is not applicable to the payment, the payment is performed without applying the coupon and the payment processing unit that holds the association between the coupon identification information and the user identification information. When the user identification information and the request for issuing a new payment code are received from the user terminal, the coupon identification information that retains the association between the user identification information and the user identification information, and the coupon identification information. It has an association unit that associates with a new payment token issued to generate a new payment code based on an issuance request and stores it in the storage unit.

According to the present invention, there is an effect that the burden on the user can be reduced.

It is a figure which shows the outline of the payment system. It is a figure which shows the functional structure of the payment processing apparatus. It is a figure which shows an example of the coupon information. It is a figure which shows the functional structure of a user terminal. It is a figure which shows the functional structure of a store terminal. It is an operation sequence diagram of a payment system. It is an operation sequence diagram following FIG.

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of the payment system S. When the user purchases a product or service at a store or the like, the payment system S displays the payment code on the store terminal 3 in response to a request from the store terminal 3, and reads the payment code on the user terminal. It is a system that makes payments according to what is specified by the payment processing device. The payment code is a text or image that can be read by the terminal used by the user, and is a code used at the time of payment. In the following description, goods or services are collectively referred to as goods.

The payment system S includes a payment processing device 1, a user terminal 2, and a store terminal 3. The payment processing device 1 is a server that setstles the purchase price. The user terminal 2 is an information terminal used by the user, for example, a smartphone, a tablet, or a personal computer. The store terminal 3 is, for example, a POS terminal.
Hereinafter, the flow until the settlement is completed will be described with reference to FIG.

The user purchases a product at a store. The user activates the application software for payment in advance before making a payment at the store, and performs an operation for selecting a coupon to be used. The user terminal 2 transmits a user ID as user identification information for identifying a user and a coupon ID as coupon identification information for identifying a coupon to the payment processing device 1 ((1) in FIG. 1). .. The user ID is, for example, an ID given to the user by a business operator that provides a service related to the payment processing device 1.

When the payment processing device 1 receives the user ID and the coupon ID from the user terminal 2, the payment processing device 1 associates the received user ID with the received coupon ID and stores the received coupon ID in the storage medium ((2) in FIG. 1). After the operation for selecting the coupon to be used is performed, the user terminal 2 transmits a screen display request to the payment processing device 1 based on the operation by the user, and is stored in the storage medium from the payment processing device 1. Receives coupon information corresponding to a coupon ID that can be used by the user.

The store terminal 3 displays a payment code when a user makes an account at a store ((3) in FIG. 1). The user terminal 2 receives, for example, an operation of reading a payment code from a user, and reads the payment code displayed on the store terminal 3 ((4) in FIG. 1). When the user terminal 2 reads the payment code, it accepts the input of the payment amount from the user ((5) in FIG. 1). The user terminal 2 transmits the payment information including the input payment amount, the user ID, the payment token and the store ID included in the read payment code, to the payment processing device 1 ((6) in FIG. 1). ). The user ID is, for example, a user ID given to the user by a business operator that provides a service related to the payment processing device 1.

The payment processing device 1 stores, for example, a payment token and a store ID as store identification information indicating a store in association with each other. Upon receiving the payment information, the user ID, and the payment token from the user terminal 2, the payment processing device 1 determines whether or not a payment token that matches the received payment token is stored. When the payment processing device 1 determines that a payment token that matches the received payment token is stored, the coupon ID is set based on the applicable conditions corresponding to the coupon ID associated with the received user ID. It is determined whether or not the indicated coupon is applicable to payment ((7) in FIG. 1).

The payment processing device 1 performs payment processing based on the payment information, the coupon ID, the user ID, and the store ID associated with the received payment token ((8) in FIG. 1). Specifically, when the payment processing device 1 determines that the coupon is applicable to payment, the payment processing device 1 applies the coupon to perform payment, and changes the usage state of the coupon indicated by the applied coupon ID.

When the conventional payment processing device determines that the coupon is not applicable to payment, the association between the coupon ID and the user ID is canceled. Therefore, when the user uses the coupon of the coupon ID, it is necessary to specify the coupon again, which is troublesome for the user. On the other hand, when the payment processing device 1 determines that the coupon is not applicable to the payment, the payment is made without applying the coupon, and the association between the coupon ID and the user ID is maintained. After that, it is assumed that the payment processing device 1 receives a screen display request for reading the payment code from the user terminal 2 without receiving the coupon ID from the user terminal 2. In this case, if the association between the coupon ID and the user ID is maintained, the payment processing device 1 transmits the coupon ID that retains the association with the received user ID to the user terminal 2, and the coupon ID is concerned. Notifies the user that is selected.

By operating the payment system S as described above, when a user newly purchases a product using code payment, the coupon ID that is associated with the user ID is maintained even if the coupon is not selected. You can apply for coupons based on. Therefore, in the payment system S, it is not necessary for the user to reset the selection of the coupon that was not applied to the payment, so that the burden on the user can be reduced.
Hereinafter, the details of the configuration of the payment processing device 1, the user terminal 2, and the store terminal 3 will be described.

[Functional configuration of payment processing device 1]
FIG. 2 is a diagram showing a functional configuration of the payment processing device 1. The payment processing device 1 has a communication unit 11, a storage unit 12, and a control unit 13.

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium for storing various types of data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores a program executed by the control unit 13. The storage unit 12 stores a payment program that causes the control unit 13 to function as a registration unit 131, a coupon setting unit 132, a payment information receiving unit 133, and a payment processing unit 134.

Further, the storage unit 12 stores coupon information for at least associating the coupon ID for identifying the coupon, the applicable conditions for the settlement of the coupon, and the privilege content. FIG. 3 is a diagram showing an example of coupon information. As shown in FIG. 3, the coupon information is information in which the coupon ID, the application conditions of the coupon, the privilege content, and the explanation of the coupon are associated with each other. The conditions for applying the coupon include the expiration date of the coupon, the store ID of the store to which the coupon is applied, the product ID of the product to which the coupon is applied, and the number of times the coupon can be used, which indicates the number of times the coupon can be used.

The control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 functions as a registration unit 131, a coupon setting unit 132, a payment information receiving unit 133, and a payment processing unit 134 by executing a payment program stored in the storage unit 12. The details of the operation of each part of the control unit 13 will be described later.

[Functional configuration of user terminal 2]
FIG. 4 is a diagram showing a functional configuration of the user terminal 2. The user terminal 2 has an operation unit 21, a communication unit 22, a reading unit 23, a display unit 24, a storage unit 25, and a control unit 26. The control unit 26 includes an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264.

The operation unit 21 is an operation device that accepts user operations, and is, for example, a touch panel provided on the surface of the display unit 24. The operation unit 21 notifies the operation reception unit 261 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting / receiving data to / from a base station of a mobile phone network. The communication unit 22 transmits a payment token or the like to the payment processing device 1.

The reading unit 23 is, for example, a camera. The reading unit 23 reads the payment code displayed on the store terminal 3.
The display unit 24 is a display that displays various types of information.

The storage unit 25 is a storage medium including a ROM, RAM, and the like. The storage unit 25 stores a program executed by the control unit 26. The storage unit 25 stores a program that causes the control unit 26 to function as an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264.

The control unit 26 is, for example, a CPU, and functions as an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264 by executing a program stored in the storage unit 25.

The operation reception unit 261 specifies the operation content of the user based on the signal input from the operation unit 21. When the specified operation content is an operation for reading the payment code, the operation reception unit 261 notifies the request transmission unit 252 of the content of the operation. The request transmission unit 252 transmits a screen display request for reading the payment code to the payment processing device 1.

The operation reception unit 261 selects a coupon for selecting the use of the coupon from the payment processing device 1 when the screen display request is transmitted to the payment processing device 1 and the coupon desired to be used by the user is not set. Receive the screen. The operation reception unit 261 displays a coupon that can be used by the user on the coupon selection screen on the display unit 24, and accepts the selection of the coupon. When the user selects the coupon, the operation reception unit 261 notifies the request transmission unit 252 of the operation content. The request transmission unit 252 transmits a coupon ID indicating one or more selected coupons and a user ID to the payment processing device 1 via the communication unit 22. In the present embodiment, it has been described that the user can select a coupon by transmitting a screen display request for reading the payment code, but the present invention is not limited to this. The operation reception unit 261 may accept a coupon selection operation for selecting a coupon separately from the screen display request for reading the payment code, and may be able to select the coupon at a timing different from the timing for reading the payment code. ..

Further, after displaying the coupon selection screen, the operation reception unit 261 accepts the input of the payment amount from the user via the operation unit 21. When the operation reception unit 261 receives the input of the payment amount, the operation reception unit 261 notifies the token transmission unit 263 of the instruction to start reading the payment code.

When the token transmission unit 263 receives the reading start instruction from the operation reception unit 261, the token transmission unit 263 causes the reading unit 23 to read the payment code displayed on the store terminal 3. The token transmission unit 263 acquires the payment token and the store ID extracted from the payment code by the reading unit 23. The token transmission unit 263 transmits the acquired payment token and store ID, payment information indicating the payment amount, and the user ID to the payment processing device 1 via the communication unit 22.

The display control unit 264 receives information about the coupon from the payment processing device 1 including the coupon ID when the screen display request is transmitted to the payment processing device 1 and the coupon that the user wants to use is set. do. The display control unit 264 causes the display unit 24 to display the information regarding the received coupon, and notifies the user that the coupon is selected.
Further, when the display control unit 264 receives the payment completion information indicating that the payment has been completed from the payment processing device 1, the display control unit 264 causes the display unit 24 to display the payment completion information.

[Functional configuration of store terminal 3]
FIG. 5 is a diagram showing a functional configuration of the store terminal 3. The store terminal 3 has an operation unit 31, a reading unit 32, a communication unit 33, a display unit 34, a storage unit 35, and a control unit 36.

The operation unit 31 is an operation device that accepts the operation of a clerk, for example, a button for selecting a product or a touch panel provided on the surface of the display unit 34.

The reading unit 32 is, for example, a bar code reader, and reads a bar code attached to a product purchased by a clerk. The reading unit 32 outputs the information indicated by the read barcode to the control unit 36.

The communication unit 33 is, for example, a communication interface for transmitting / receiving data to / from the payment processing device 1.
The display unit 34 is a display that displays various types of information. The display unit 34 displays, for example, a payment amount or a payment code.

The storage unit 35 is a storage medium including a ROM, RAM, and the like. The storage unit 35 stores a program executed by the control unit 36. The storage unit 35 stores a program that causes the control unit 36 to function as the display control unit 361. Further, the storage unit 35 stores a product DB in which the product ID and the price of the product are associated with each other. Further, the storage unit 35 stores an image showing the payment code.
The control unit 36 is, for example, a CPU, and functions as a display control unit 361 by executing a program stored in the storage unit 35.

The display control unit 361 acquires the product ID input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, so that the product with the acquired product ID can be settled. To specify. The display control unit 361 refers to the product DB stored in the storage unit 35, and specifies the price of the product associated with the acquired product ID. The display control unit 361 acquires one or more product IDs input by the clerk in the operation unit 31 or the product IDs read from the barcode attached to the product by the reading unit 32, and totals the prices of the products specified from the product IDs. do. When the display control unit 361 receives the settlement operation in the operation unit 31, the display control unit 361 determines the price of the aggregated product as the settlement amount and displays it on the display unit 34.

Further, when the store clerk receives an operation for displaying the payment code, the display control unit 361 causes the display unit 34 to display the payment code stored in the storage unit 35. In the present embodiment, the display control unit 361 displays the payment code on the display unit 34, but the present invention is not limited to this. For example, the clerk may present the payment code printed on paper or the like to the user at the time of payment.

[Operation of each part of control unit 13]
Subsequently, the operation of each unit of the control unit 13 will be described.
The registration unit 131 registers the store information by receiving the store information registration request from the store terminal 3. For example, the registration unit 131 receives a store information registration request from the store terminal 3 or a terminal used by a store clerk. Upon receiving the store information registration request, the registration unit 131 generates a store ID, a payment token for making a payment corresponding to the store, and a payment code corresponding to the payment token. .. The payment code indicates a payment token and a store ID, and the payment token and the store ID can be extracted by reading the payment code. The registration unit 131 stores the store information, the store ID, and the payment token in the storage unit 12 in association with each other. The payment code corresponding to the generated payment token is transmitted to the store terminal 3 or printed on paper and mailed to the store.

The coupon setting unit 132 sets the coupon that the user wants to use. Specifically, when the coupon setting unit 132 includes the user ID and receives the screen display request for reading the payment code, the coupon ID associated with the user ID, that is, the user wants to use it. Determine if the coupon ID exists.

When the coupon setting unit 132 determines that the coupon ID to be used does not exist, the coupon setting unit 132 refers to the coupon information and transmits the coupon ID, the privilege content, the description, etc. corresponding to the coupon that can be used by the user to the user terminal 2. .. The coupon setting unit 132 receives a coupon use request including a user ID and a coupon ID for each of one or more coupons that the user wants to use from the user terminal 2 used by the user. The coupon setting unit 132 refers to the coupon information stored in the storage unit 12 and specifies the number of times that the coupon associated with the received coupon ID can be used. The coupon setting unit 132 stores the received user ID, one or more received coupon IDs, and the specified number of available times in association with each other in the storage unit 12.

Further, when the coupon setting unit 132 determines that the coupon ID to be used exists, the coupon ID associated with the user ID is transmitted to the user terminal 2, and the coupon corresponding to the coupon ID is the coupon to be used. Notifies the user that it may apply to payments.

The payment information receiving unit 133 reads the payment code presented to the user at the store from the user terminal 2, the payment token corresponding to the payment code, the store ID, the user ID, and the user's store. Receive payment information corresponding to payment. Here, it is assumed that the payment information includes the payment amount.

The payment processing unit 134 executes payment based on the payment information and user ID received from the user terminal 2, the coupon ID associated with the user ID, and the payment token and store ID received from the user terminal 2. ..

Specifically, first, the payment processing unit 134 determines whether or not the received payment token and the store ID are associated and stored in the storage unit 12. When the payment processing unit 134 determines that the received payment token and the store ID are associated and stored in the storage unit 12, the payment processing unit 134 is associated with the user ID received from the user terminal 2 and stored in the storage unit 12. Identify the coupon ID. The payment processing unit 134 determines whether or not the coupon indicated by the specified coupon ID can be applied to the payment indicated by the payment information received from the user terminal 2. The payment processing unit 134 refers to the coupon information stored in the storage unit 12 and specifies the application conditions of the coupon associated with the specified coupon ID. The payment processing unit 134 determines whether or not the store ID received together with the payment token is included in the specified applicable conditions, and whether or not the current date is a date before the expiration date. Determine if the coupon is applicable.

When the settlement processing unit 134 determines that the coupon is applicable to the settlement, the settlement processing unit 134 applies the coupon to perform the settlement. The payment processing unit 134 discounts the payment amount included in the payment information based on the privilege content indicated by the coupon, and executes a process of debiting the payment amount from the user's account specified by the received user ID. Further, the payment processing unit 134 executes a process of depositing the discounted payment amount into the account of the store specified by the received store ID.

Further, the payment processing unit 134 changes the usage state of the coupon indicated by the applied coupon ID. For example, the payment processing unit 134 changes the usage state of the coupon by subtracting the number of times the coupon can be used associated with the received user ID. The payment processing unit 134 indicates that the coupon usage status is changed by applying the coupon, and the coupon can be used 0 times, that is, the coupon usage status indicates that the coupon cannot be used. If so, the association between the coupon ID of the coupon applied to the payment and the user ID is canceled.

On the other hand, if the payment processing unit 134 determines that the coupon is not applicable to the payment, the payment is made without applying the coupon, and the association between the coupon ID and the user ID is maintained.
When the payment business operator bears the discount amount of the coupon, the payment processing unit 134 may execute a process of depositing the payment amount before the discount into the account of the store specified by the received store ID. Further, the settlement processing unit 134 may deposit an amount obtained by subtracting the settlement fee in the settlement processing device 1 from the settlement amount into the store account. When the settlement of the settlement amount is completed, the settlement processing unit 134 notifies the user terminal 2 and the store terminal 3 of the settlement completion information indicating that the settlement is completed.

When the user makes a payment using the code payment again after the payment by the payment processing unit 134 is completed, the coupon setting unit 132 receives a screen display request for newly reading the payment code from the user terminal 2. .. When the coupon setting unit 132 receives the screen display request for reading the payment code including the user ID, the coupon ID associated with the user ID, that is, the coupon ID that the user wants to use exists. Judge whether or not. When the coupon setting unit 132 determines that the coupon ID to be used exists, it functions as a transmission unit, transmits the coupon ID associated with the user ID to the user terminal 2, and the coupon corresponding to the coupon ID is settled. Notify the user that it may apply to. For example, the display control unit 264 of the user terminal 2 displays, for example, the information of the coupon indicated by the coupon ID on the display unit 24 together with the reading screen of the payment code, so that the coupon corresponding to the coupon ID is settled. Notify the user that it may apply to. As a result, the user can confirm the coupon indicated by the coupon ID that holds the association with the user ID when the user newly purchases the product using the code payment.

After that, the payment information receiving unit 133 receives the payment token, the store ID, the user ID, and the payment token corresponding to the payment code from the user terminal 2 that has read the payment code newly presented to the user at the store. Receives payment information corresponding to payment at the user's store.

Whether or not the coupon indicated by the coupon ID associated with the user ID received from the user terminal 2 and stored in the storage unit 12 can be applied even when the payment processing unit 134 makes a payment corresponding to the new payment token. Is determined. Then, when the settlement processing unit 134 determines that the coupon is applicable to the settlement, the settlement processing unit 134 applies the coupon to perform the settlement and changes the usage state of the applied coupon. Further, when the payment processing unit 134 determines that the coupon is not applicable to the payment, the payment is performed without applying the coupon and the association between the coupon ID and the user ID is maintained.

When the coupon setting unit 132 receives the screen display request for reading the payment code including the user ID, the storage unit 12 transmits the coupon ID having the association with the user ID to the user terminal 2. However, it is not limited to this. For example, when the payment processing unit 134 applies the coupon ID to make a payment, the payment completion information including the coupon ID and the information indicating that the coupon ID has been applied is transmitted to the user terminal 2. You may. Then, the display control unit 264 of the user terminal 2 displays information indicating that the payment has been made and information indicating that the coupon that holds the association with the user ID has been used for the payment. It may be displayed on the unit 24.

[Operation sequence]
FIG. 6 is an operation sequence diagram of the payment system S. FIG. 7 is an operation sequence diagram following FIG. It is assumed that the store information is registered in the payment processing device 1 and the store terminal 3 can display the payment code before the processing shown in the sequence diagram is performed.

The sequence diagram shown in FIG. 6 starts from the point where the user performs the coupon selection operation (S1). The request transmission unit 252 transmits, via the communication unit 22, a coupon ID indicating one or more coupons selected by the user and a coupon use request including the user ID to the payment processing device 1 (S2).

When the coupon setting unit 132 receives the coupon use request from the user terminal 2, the coupon setting unit 132 associates the received user ID with one or more received coupon IDs and stores them in the storage unit 12 (S3).

After that, the user brings the selected product to the clerk who uses the store terminal 3. The display control unit 361 of the store terminal 3 acquires the product ID input by the store clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and the product associated with the product ID. The settlement amount is calculated by specifying the price of. Then, the display control unit 361 causes the display unit 34 to display the payment amount and the payment code (S4).

The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S5). Further, the user operates the user terminal 2 to input the payment amount (S6).

When the user terminal 2 reads the payment code and the payment amount is input, the token transmission unit 263 of the user terminal 2 inputs the payment token and the store ID obtained from the payment code, the user ID, and the payment amount. The including payment information is transmitted to the payment processing device 1 (S7). The payment information receiving unit 133 receives the payment token, the user ID, and the payment information from the user terminal 2.

Subsequently, the payment processing unit 134 identifies the coupon ID associated with the user ID received together with the payment token when the received payment token and the store ID are associated and stored in the storage unit 12. (S8). The payment processing unit 134 determines whether or not the coupon indicated by the specified coupon ID can be applied to payment (S9).

Subsequently, the settlement processing unit 134 performs settlement processing (S10). Specifically, when the payment processing unit 134 determines that the coupon is applicable to payment, the payment processing unit 134 applies the coupon to perform payment, and changes the usage state of the coupon associated with the payment token. When the payment processing unit 134 determines that the coupon is not applicable to the payment, the payment is made without applying the coupon, and the association between the coupon ID and the user ID is maintained. In this sequence, it is determined that the coupon is not applicable to payment, and it is assumed that the association between the coupon ID and the user ID is maintained.

Subsequently, the payment processing unit 134 transmits the payment completion information to the user terminal 2 (S11). When the display control unit 264 of the user terminal 2 receives the payment completion information from the payment processing device 1, the display control unit 264 causes the display unit 24 to display the payment completion information (S12).

The explanation is transferred to FIG. After that, when the user makes a payment using the code payment again, the user terminal 2 transmits a display request of the payment code reading screen for newly reading the payment code to the payment processing device 1 (S13). The coupon setting unit 132 receives a screen display request for newly reading the payment code from the user terminal 2. When the coupon setting unit 132 receives the screen display request for reading the payment code including the user ID, the coupon ID associated with the user ID, that is, the coupon ID that the user wants to use exists. Judge whether or not. When the coupon setting unit 132 determines that the coupon ID to be used exists, the coupon ID associated with the user ID is transmitted to the user terminal 2, and the coupon corresponding to the coupon ID may be applied to the payment. Notify the user that there is (S14, S15). Since the processing of S16 to S24 is the same as the processing of S4 to S12, the description thereof will be omitted.

[Modification 1]
In the above description, the payment processing device 1 uses the payment token, the user ID, and the payment information including the payment amount entered by the user from the user terminal 2 that has read the payment code displayed on the store terminal 3. The payment was received and the payment was made based on the payment amount included in the payment information, but the payment is not limited to this. For example, the payment processing device 1 may receive a payment amount from the store terminal 3 and make a payment based on the payment amount.

In this case, the store terminal 3 aggregates the prices of the products corresponding to each of the product IDs input by the clerk in the operation unit 31 or the one or more product IDs read from the barcode attached to the product by the reading unit 32. The aggregated amount may be included as a payment amount, payment information including one or more read product IDs may be generated, and a payment code issuance request including the payment information may be transmitted to the payment processing device 1.

In response to the acquisition of the payment code issuance request, the payment processing unit 134 of the payment processing device 1 generates a payment token indicating the payment code that enables payment by the payment amount included in the issuance request. The payment token, the payment amount, and the store ID are associated with each other and stored in the storage unit 12, and the payment token is transmitted to the store terminal 3.

The payment information receiving unit 133 receives the payment token corresponding to the payment code and the user ID from the user terminal 2 that has read the payment code presented to the user at the store. The payment processing unit 134 determines whether or not the coupon indicated by the coupon ID associated with the user ID received from the user terminal 2 and stored in the storage unit 12 can be applied to the payment indicated by the payment information received from the user terminal. judge. The payment processing unit 134 determines whether or not the store ID associated with the payment token or the product ID included in the payment information is included in the specified applicable conditions, and the current date is before the expiration date. By determining whether or not it is a date, it is determined whether or not the coupon is applicable.

When the payment processing unit 134 determines that the coupon is applicable to payment, it applies the coupon to make a payment, changes the usage status of the applied coupon, and determines that the coupon is not applicable to payment, and issues the coupon. Settle the payment without applying it and keep the association between the coupon ID and the user ID.

[Modification 2]
In the code payment method, as described above, the user terminal 2 that has read the payment code displayed by the store terminal 3 sends the payment token to the payment processing device, and the payment processing device is based on the payment token. In addition to the method of performing payment processing (hereinafter, also referred to as the first method), the store terminal 3 that has read the payment code displayed by the user terminal 2 sends the payment token to the payment processing device, and the payment processing device. There is also a method (hereinafter, also referred to as a second method) in which payment processing is performed based on the payment token. Therefore, the payment processing device 1 may make a payment based on the second method.

For example, it is assumed that the payment processing device 1 receives a user ID and a new payment code issuance request from the user terminal 2 based on the second method after making a payment based on the first method. In this case, the control unit 13 of the payment processing device 1 functions as a token generation unit and generates a payment token in response to the issuance request. The control unit 13 functions as an association unit, and the coupon ID holding the association between the generated payment token, the received user ID, and the user ID without receiving the instruction regarding the coupon association from the user terminal 2. Is stored in the storage unit 12 in association with. Further, the control unit 13 transmits the generated payment token to the user terminal 2.

When the control unit 13 stores the generated payment token, the received user ID, and the coupon ID that holds the association with the user ID, the control unit 13 determines whether or not the coupon indicated by the coupon ID can be used. You may. Then, when the control unit 13 determines that the coupon indicated by the coupon ID can be used, the generated payment token, the received user ID, and the coupon ID may be associated and stored in the storage unit 12. Further, when the control unit 13 determines that the coupon indicated by the coupon ID cannot be used, the control unit 13 may cancel the association between the received user ID and the coupon ID.

Further, after receiving the payment code issuance request and the user ID, the coupon setting unit 132 of the payment processing device 1 associates the coupon ID, which holds the association with the user ID, with the generated payment token. When stored in the storage unit 12, the coupon ID is transmitted to the user terminal 2 to notify the user that the coupon corresponding to the coupon ID may be applied to the payment. As a result, the user can confirm the coupon indicated by the coupon ID that holds the association with the user ID when the user makes a payment by the first method and then newly purchases the product by the second method. ..

After that, the payment information receiving unit 133 receives the payment token and the payment information corresponding to the payment at the user's store from the store terminal 3 that reads the payment code displayed by the user terminal 2 based on the payment token. Receive.

Whether or not the payment processing unit 134 can apply the coupon indicated by the coupon ID associated with the payment token received from the store terminal 3 and stored in the storage unit 12 to the payment indicated by the payment information received from the store terminal 3. Is determined. When the settlement processing unit 134 determines that the coupon is applicable to the settlement, the settlement processing unit 134 applies the coupon to perform the settlement and changes the usage state of the coupon applied to the settlement. On the other hand, when the payment processing unit 134 determines that the coupon is not applicable to the payment, the payment is performed without applying the coupon and the association between the coupon ID and the user ID is maintained. By doing so, the payment processing device 1 has the coupon ID and the user ID that are not applied to the payment even when the payment based on the first method and the payment based on the second method are mixed. You can keep the association.

[Modification 3]
In the above-described embodiment, an example in which a user purchases a product to be sold in a store and the user terminal 2 reads a payment code displayed on the store terminal 3 has been described, but the present invention is not limited to this. The product does not have to be sold in the store, and may be sold on the Web or outside the store, for example. For example, when a product is sold on the Web, a payment code is displayed on the payment screen of the product, the user terminal 2 reads the payment code, and sends a user ID and a payment token to the payment processing device 1. By doing so, the payment may be made in the payment processing device 1.

[Modification 4]
In the above description, the payment code includes the payment token and the store ID, but the present invention is not limited to this. The payment code may include only the payment token. In this case, the payment processing device 1 makes a payment using the store ID stored in the storage unit 12 in association with the payment token received from the user terminal 2 that has read the payment code displayed on the store terminal 3. Further, in the payment, the applicability of the coupon indicated by the coupon ID associated with the user ID can be determined by using the store ID stored in the storage unit 12 in association with the payment token.

[Effect of payment system S]
As described above, the payment processing device 1 according to the present embodiment is stored in the storage unit 12 in association with the payment token received from the store terminal 3 in the payment indicated by the payment information received from the store terminal 3. It is determined whether or not the coupon indicated by the existing coupon ID is applicable, and if it is determined that the coupon is not applicable to the payment, the payment is made without applying the coupon, and the association between the coupon ID and the user ID is maintained. Then, when the payment processing device 1 receives the user ID and the issuance request of the new payment code from the user terminal 2, the payment processing device 1 receives the user ID, the coupon ID in which the association with the user ID is held, and the issuance request. Based on this, it is stored in the storage unit 12 in association with the new payment token issued to generate a new payment code. When a user newly purchases a product using code payment, the coupon based on the coupon ID whose association with the user ID is held can be applied without selecting the coupon. Therefore, in the payment system S, it is not necessary for the user to reset the selection of the coupon that was not applied to the payment, so that the burden on the user can be reduced.

It should be noted that the present invention makes it possible to contribute to Goal 9 "Let's lay the foundation for industry and technological innovation" of the Sustainable Development Goals (SDGs) led by the United Nations.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist. be. For example, the specific embodiment of the distribution / integration of the device is not limited to the above embodiment, and all or a part thereof may be functionally or physically distributed / integrated in any unit. Can be done. Also included in the embodiments of the present invention are new embodiments resulting from any combination of the plurality of embodiments. The effect of the new embodiment produced by the combination has the effect of the original embodiment together.

1 Payment processing device 2 User terminal 3 Store terminal 11 Communication unit 12 Storage unit 13 Control unit 21 Operation unit 22 Communication unit 23 Reading unit 24 Display unit 25 Storage unit 26 Control unit 31 Operation unit 32 Reading unit 33 Communication unit 34 Display unit 35 Storage unit 36 Control unit 131 Registration unit 132 Coupon setting unit 133 Payment information reception unit 134 Payment processing unit 261 Operation reception unit 262 Request transmission unit 263 Token transmission unit 264 Display control unit 361 Display control unit

Claims (17)

Computer runs,
A step of associating a user identification information that identifies a user with a coupon identification information that identifies a coupon that the user wants to use and storing the information in a storage unit.
A step of storing a payment token indicating a payment code for making a payment related to the purchase of a product in the storage unit, and
A step of receiving the payment token corresponding to the payment code, the user identification information, and the payment information corresponding to the user's payment from the user terminal used by the user who has read the payment code. ,
Whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the user identification information received from the user terminal can be applied to the payment indicated by the payment information received from the user terminal. , A step of determining based on the product identification information for identifying a predetermined product included in the payment information and the application conditions of the coupon corresponding to the coupon identification information.
When it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, the usage state of the applied coupon is changed, and it is determined that the coupon is not applicable to the payment. A step of making the payment without applying the coupon and maintaining the association between the coupon identification information and the user identification information, and
A step of receiving a screen display request for newly reading the payment code from the user terminal, and
Upon receiving the screen display request, the step of transmitting the coupon identification information, which retains the association with the user identification information, to the user terminal, and
Payment processing method with. Computer runs,
A step of associating a user identification information that identifies a user with a coupon identification information that identifies a coupon that the user wants to use and storing the information in a storage unit.
A step of storing a payment token indicating a payment code for making a payment related to the purchase of a product in the storage unit, and
A step of receiving the payment token corresponding to the payment code, the user identification information, and the payment information corresponding to the user's payment from the user terminal used by the user who has read the payment code. ,
Whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the user identification information received from the user terminal can be applied to the payment indicated by the payment information received from the user terminal. , A step of determining based on the product identification information for identifying a predetermined product included in the payment information and the application conditions of the coupon corresponding to the coupon identification information.
When it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, the usage state of the applied coupon is changed, and it is determined that the coupon is not applicable to the payment. A step of making the payment without applying the coupon and maintaining the association between the coupon identification information and the user identification information, and
A step of receiving the user identification information and a request for issuing a new payment code from the user terminal, and
Upon receiving a request to issue a new payment code, a step of transmitting the coupon identification information that retains the association with the user identification information to the user terminal, and a step of transmitting the coupon identification information to the user terminal.
Payment processing method with. Computer runs,
A step of associating a user identification information that identifies a user with a coupon identification information that identifies a coupon that the user wants to use and storing the information in a storage unit.
A step of storing a payment token indicating a payment code for making a payment related to the purchase of a product in the storage unit, and
A step of receiving the payment token corresponding to the payment code, the user identification information, and the payment information corresponding to the user's payment from the user terminal used by the user who has read the payment code. ,
Whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the user identification information received from the user terminal can be applied to the payment indicated by the payment information received from the user terminal. , A step of determining based on the product identification information for identifying a predetermined product included in the payment information and the application conditions of the coupon corresponding to the coupon identification information.
When it is determined that the coupon is applicable to the payment, the coupon is applied to perform the payment, the usage state of the applied coupon is changed, and it is determined that the coupon is not applicable to the payment. A step of making the payment without applying the coupon and maintaining the association between the coupon identification information and the user identification information, and
A step of receiving the user identification information and a request for issuing a new payment code from the user terminal, and
The user identification information, the coupon identification information in which the association with the user identification information is held, and the new payment token issued to generate a new payment code based on the issuance request are associated with each other. Steps to store in the storage unit and
Payment processing method with. When the computer determines that the coupon indicated by the coupon identification information is available in the step of associating the coupon identification information with the new payment token and storing it in the storage unit, the coupon identification information and the new payment are determined. Associated with the payment token and stored in the storage unit,
The payment processing method according to claim 3. When the computer determines that the coupon indicated by the coupon identification information cannot be used in the step of associating the coupon identification information with the new payment token and storing it in the storage unit, the coupon identification information and the user identification are identified. Disassociate with information,
The payment processing method according to claim 3 or 4. In the step of associating the new payment token and storing it in the storage unit, the computer does not receive an instruction regarding the association of the coupon from the user terminal, and the coupon identification in which the association with the user identification information is maintained is maintained. The information is associated with the new payment token issued to generate a new payment code based on the issuance request, and stored in the storage unit.
The payment processing method according to any one of claims 3 to 5. When the computer associates the coupon identification information that holds the association with the user identification information with the new payment token and stores it in the storage unit, the coupon associated with the user identification information is stored. Further comprising a step of transmitting information indicating a coupon corresponding to the identification information to the user terminal.
The payment processing method according to any one of claims 3 to 6. When the computer indicates that the coupon is no longer available when the usage status of the coupon applied to the payment is in the step of holding the association, the coupon of the coupon applied to the payment is used. Disassociating the identification information from the user identification information,
The payment processing method according to any one of claims 1 to 7. Further comprising a step of receiving the user identification information and the coupon identification information from the user terminal, which is executed by the computer.
In the step of storing the coupon identification information in the storage unit, the computer associates the user identification information received from the user terminal with the coupon identification information and stores the coupon identification information in the storage unit.
The payment processing method according to any one of claims 1 to 8. The computer
In the step of receiving the coupon identification information, a plurality of the coupon identification information is received from the user terminal, and the coupon identification information is received.
In the step of storing the coupon identification information in the storage unit, the user identification information is associated with a plurality of the coupon identification information and stored in the storage unit.
The payment processing method according to claim 9. The computer
In the step of storing the payment token in the storage unit, the store identification information that identifies the store is stored in association with the payment token.
In the step of determining whether or not the coupon is applicable, the payment indicated by the payment information received from the user terminal is stored in the storage unit in association with the user identification information received from the user terminal. Whether or not the coupon indicated by the coupon identification information is applicable is determined based on the store identification information associated with the payment token received from the user terminal and the application conditions of the coupon corresponding to the coupon identification information. judge,
The payment processing method according to any one of claims 1 to 10. A storage control unit that associates the user identification information that identifies the user with the coupon identification information that identifies the coupon that the user wants to use and stores it in the storage unit.
A registration unit that stores a payment token indicating a payment code for making a payment related to the purchase of a product in the storage unit, and a registration unit.
For payment, the user terminal used by the user who has read the payment code receives the payment token corresponding to the payment code, the user identification information, and the payment information corresponding to the user's payment. Information receiver and
Whether or not the coupon indicated by the coupon identification information stored in the storage unit associated with the user identification information received from the user terminal can be applied to the payment indicated by the payment information received from the user terminal. , The determination is made based on the product identification information for identifying a predetermined product included in the payment information and the application conditions of the coupon corresponding to the coupon identification information, and it is determined that the coupon is applicable to the payment. When the coupon is applied to make the payment, the usage state of the applied coupon is changed, and it is determined that the coupon is not applicable to the payment, the payment is made without applying the coupon and the coupon is used. A payment processing unit that holds the association between the identification information and the user identification information,
When the user identification information and the issuance request of a new payment code are received from the user terminal, the coupon identification information in which the association between the user identification information and the user identification information is held, and the issuance request are made. An association unit that associates with a new payment token issued to generate a new payment code based on the above and stores it in the storage unit.
Payment processing device with. When the association unit determines that the coupon indicated by the coupon identification information is available, the association unit associates the coupon identification information with the new payment token and stores it in the storage unit.
The payment processing device according to claim 12. The association unit generates a new payment code based on the coupon identification information in which the association with the user identification information is held and the issuance request without receiving an instruction regarding the association of the coupon from the user terminal. It is stored in the storage unit in association with the new payment token issued for the purpose.
The payment processing device according to claim 12 or 13. When the coupon identification information in which the association with the user identification information is held is associated with the new payment token and stored in the storage unit, the association unit is associated with the user identification information. Further comprising a step of transmitting information indicating a coupon corresponding to the coupon identification information to the user terminal.
The payment processing device according to any one of claims 12 to 14. When the usage state of the coupon applied to the payment indicates that the coupon can no longer be used, the association unit has the coupon identification information of the coupon applied to the payment and the user identification. Disassociate with information,
The payment processing device according to any one of claims 12 to 15. The registration unit stores the store identification information that identifies the store in the storage unit in association with the payment token.
In the payment processing unit, the coupon indicated by the coupon identification information stored in the storage unit associated with the user identification information received from the user terminal is attached to the payment indicated by the payment information received from the user terminal. Whether or not it is applicable is determined based on the store identification information associated with the payment token received from the user terminal and the application conditions of the coupon corresponding to the coupon identification information, and the coupon is the payment. If it is determined that the coupon is applicable to the payment, the coupon is applied to make the payment, the usage status of the applied coupon is changed, and if it is determined that the coupon is not applicable to the payment, the coupon is not applied. The payment is made and the association between the coupon identification information and the user identification information is maintained.
The payment processing device according to any one of claims 12 to 16.

Images