JP6857698B2 - Benefit granting method and privilege granting device - Google Patents

Description

The present invention relates to a privilege granting method and a privilege granting device.

Code payment using a two-dimensional bar code such as a QR code (registered trademark) is widespread (see, for example, Patent Document 1 and Patent Document 2). The code 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. 6528160 Japanese Patent No. 6473539

In the conventional code payment, although it is possible to give a privilege of reducing the payment amount at the time of payment, there is a problem that the privilege cannot be given at the time of payment according to the purchase of a specific product.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a privilege granting method and a privilege granting device capable of granting a privilege at the time of settlement based on the purchase of a specific product.

The privilege granting method according to the first aspect of the present invention shows a user identifier for identifying a user executed by a computer and an application for privilege granting at the time of purchase of a target product to which the privilege is granted according to the purchase. A step of acquiring application information from the user, a step of associating the application information with the user identifier and storing it in a storage unit, payment information for use in payment of one or more products from a store terminal, and the above. A step of accepting a privilege target product information for identifying one or more of the target products among one or more products, a step of accepting a payment code acquisition request for a user to make a payment at a store, and accepting the acquisition request. A step of generating a payment token for generating the payment code, a step of associating the generated payment token with the privilege target product information and storing the payment in the storage unit, and the generated payment. A step of transmitting the payment token to the store terminal and a step of receiving the payment token and the user identifier from the user terminal that has read the payment code displayed by the store terminal based on the payment token. And the application information stored in the storage unit associated with the user identifier received from the user terminal, and stored in the storage unit associated with the payment token received from the user terminal. It has a step of giving the user a privilege corresponding to the application information when the privilege target product information corresponds to the privilege target product information.

The privilege granting device according to the second aspect of the present invention includes a user identifier for identifying a user and application information indicating an application for privilege granting at the time of purchase of a target product to which the privilege is granted according to the purchase. When acquired from the user, the application reception unit that associates the application information with the user identifier and stores it in the storage unit, payment information for use in payment of one or more products from the store terminal, and the above-mentioned one or more products. When receiving a privilege target product information for identifying one or more of the target products and receiving a request for acquisition of a payment code for payment at a store, a payment code for generating the payment code is received. A token generation unit that generates a token, associates the generated payment token with the privilege target product information and stores it in the storage unit, and transmits the generated payment token to the store terminal, and the payment. From the user terminal that reads the payment code displayed by the store terminal based on the token, the token receiving unit that receives the payment token and the user identifier, and the user identifier received from the user terminal. When the application information associated and stored in the storage unit corresponds to the privilege target product information associated with the payment token received from the user terminal and stored in the storage unit. It also has a privilege granting unit that grants the privilege corresponding to the application information to the user.

According to the present invention, there is an effect that a privilege can be given at the time of payment based on the purchase of a specific product.

It is a figure which shows the outline of the payment system. It is a figure which shows the functional structure of the payment apparatus. 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 a figure which shows an example of the application management information which a storage part stores. It is an operation sequence diagram of the privilege granting system. It is an operation sequence diagram of the payment system when a store terminal makes a request for acquisition of a payment code before a user purchases a product.

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of the payment system S. The payment system S includes a payment device 1, a user terminal 2, and a store terminal 3. The payment system S displays a payment code on the store terminal 3 in response to a request from the store terminal 3 when the user purchases a product at the store, and reads the payment code on the user terminal 2 as a payment device. It is a system that makes payments according to the items specified in 1. The payment system S functions as a privilege granting system that grants a privilege to the user at the time of payment. The payment code is a text or image that can be read by the user terminal 2, and is a code used at the time of payment.

The payment device 1 is a server that setstles the purchase price. The payment device 1 also functions as a privilege granting device that grants a privilege to the user. In the present embodiment, the privilege is given according to the purchase of a specific product by the user. In the following description, a specific product to which a privilege is given is referred to as a target product.

The user terminal 2 is an information terminal used by the user, for example, a smartphone, a tablet, or a personal computer. The seller of the product that provides the privilege provides the user terminal 2 with information regarding the granting of the privilege by using the advertisement distribution function or the like via the Internet.

By applying for the privilege grant in advance, the user can receive the privilege grant at the time of purchasing the target product. Hereinafter, with reference to FIG. 1, the flow from the settlement of the price of the product and the granting of the privilege will be described.

The user performs a privilege grant application operation on the user terminal 2 ((1) in FIG. 1). As an example, when the user starts the application software for payment and inputs the user ID as the user identifier that identifies the user, the user terminal 2 transmits the user ID to the payment operator and logs in to the application. .. Then, the user terminal 2 inquires the server of the payment operator about the benefits that the user can apply for.

The server of the payment operator stores the privilege ID for identifying the privilege, the content of the privilege, the product ID as the product identification information for identifying the target product, and the product name in association with each other. The server of the payment operator reads the privilege ID of the privilege that the user can apply for from the storage medium (for example, a hard disk), and transmits the content of the privilege corresponding to the read privilege ID, the product ID, and the product name to the user terminal 2. ..

The user terminal 2 displays the content of the received privilege, the product ID, and the product name. When the user performs an operation of selecting the privilege to apply, the user terminal 2 transmits the application information indicating the application for granting the selected privilege and the user ID to the payment device 1 ((2 in FIG. 1). )). The application information includes, for example, a store ID that identifies the store, a product ID of the target product, and the contents of the privilege. When the payment device 1 receives the application information and the user ID, it stores the application information and the user ID in association with each other ((3) in FIG. 1).

After that, the user moves to the store and purchases the product including the target product at the store. When the user makes an account at the store, the clerk at the store reads the barcode attached to the product to be purchased on the store terminal 3 and identifies the payment information indicating the total amount of the products purchased by the user and the target product. The store terminal 3 is made to generate the privilege target product information for the purpose. The privilege target product information is information for identifying the target product to which the privilege is given among the products purchased by the user at the store, and includes the product ID of the target product.

In addition, the store clerk performs an operation for displaying the payment code on the store terminal 3 on the store terminal 3. The store terminal 3 transmits a payment code acquisition request, payment information, a store ID that identifies the store, and privilege target product information to the payment device 1 ((4) in FIG. 1).

When the payment device 1 receives the payment code acquisition request, the payment information, the privilege target product information, and the store ID from the store terminal 3, the payment device 1 generates a payment token ((5) in FIG. 1). The payment token is a data string used when the store terminal 3 generates a payment code presented to the user by the store terminal 3. Here, the payment token may be generated only in the case of a specific store specified by the store ID. The payment device 1 stores the generated payment token, the privilege target product information, and the store ID in a storage medium in association with each other ((6) in FIG. 1).

The payment device 1 transmits the generated payment token to the store terminal 3 ((7) in FIG. 1). The payment device 1 may transmit the encrypted payment token to the store terminal 3 after encrypting the payment token.

The store terminal 3 generates and displays a payment code based on the received payment token ((8) in FIG. 1).
The user terminal 2 reads the payment code displayed on the store terminal 3 by, for example, the user's operation ((9) in FIG. 1). The user terminal 2 transmits the user ID and the payment token indicated by the read payment code to the payment device 1 ((10) in FIG. 1).

When the payment device 1 receives the user ID and the payment token from the user terminal 2, it identifies the application information stored in association with the received user ID ((11) in FIG. 1). The payment device 1 determines whether or not the received payment token matches the payment token transmitted to the store. When the payment device 1 determines that the payment tokens match, the payment device 1 identifies the privilege target product information stored in association with the payment token. The payment device 1 receives payment from the store terminal 3 when the product ID of the target product included in the specified application information is included in the product ID of the target product included in the specified privilege target product information. By determining the amount after deducting the discount amount as a privilege corresponding to the specified application information from the payment amount indicated by the information as the payment amount of the user, the privilege is given to the user and the payment is made based on the payment amount. The process is executed ((12) in FIG. 1).

If the payment tokens do not match, the payment device 1 does not make a payment. Further, when the product ID of the target product included in the application information is not included in the product ID of the target product included in the specified privilege target product information, the payment device 1 does not give the privilege. Execute payment processing. When the payment process is completed, the payment device 1 notifies at least one of the user terminal 2 and the store terminal 3 that the payment process is completed and the application result of the privilege.

When the payment system S operates as described above, the user applies for the privilege grant in advance, and then, when purchasing the product including the target product, the payment code displayed on the store terminal 3 is read by the user terminal 2. It is possible to grant benefits based on the purchase of the target product at the time of payment simply by performing the normal processing of making a payment.
Hereinafter, the details of the configurations of the payment device 1, the user terminal 2, and the store terminal 3 will be described. In the following description, the case where the content of the privilege is a discount on the price of the product will be described as an example.

[Functional configuration of payment device 1]
FIG. 2 is a diagram showing a functional configuration of the payment device 1. The payment device 1 includes 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 an application reception unit 131, a token generation unit 132, a token reception unit 133, a privilege granting unit 134, and a payment unit 135.

Further, the storage unit 12 stores the application information acquired from the user terminal 2 in association with the user ID. Further, the storage unit 12 stores the settlement token generated by the control unit 13 in association with the privilege target product information.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 functions as an application reception unit 131, a token generation unit 132, a token reception unit 133, a privilege granting unit 134, and a payment unit 135. Details of the operation of each unit of the control unit 13 will be described later.

[Functional configuration of user terminal 2]
FIG. 3 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, and a token transmission unit 263.

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 and receiving data to and from a base station of a mobile phone network. The communication unit 22 transmits the application information input from the request transmission unit 262 to the payment device 1. Further, the communication unit 22 transmits the acquired payment token or the like to the payment 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, a 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, and a token transmission unit 263.

The control unit 26 is, for example, a CPU, and functions as an operation reception unit 261, a request transmission unit 262, and a token transmission unit 263 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 application operation for granting a privilege, the operation reception unit 261 notifies the request transmission unit 262 of the operation content. When the operation reception unit 261 receives the application operation for granting the privilege, the request transmission unit 262 transmits the user ID and the application information to the payment device 1 via the communication unit 22.

When the specified operation content is an operation for reading the payment code, the operation reception unit 261 notifies the token transmission unit 263 of the operation content.

When the operation reception unit 261 receives an operation for reading the payment code, 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 information extracted from the payment code by the reading unit 23 as a payment token. The token transmission unit 263 transmits the acquired payment token and the user ID to the payment device 1 via the communication unit 22.

[Functional configuration of store terminal 3]
FIG. 4 is a diagram showing a functional configuration of the store terminal 3. The store terminal 3 is, for example, a POS terminal, and 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 user's operation, and is, for example, a button for selecting a product to be purchased by the user or a touch panel provided on the surface of the display unit 34.

The reading unit 32 is, for example, a barcode reader that reads a barcode attached to a product purchased by the user. 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 and receiving data to and from the payment device 1. The communication unit 33 transmits a payment code acquisition request, payment information, privilege target product information, and store ID to the payment device 1 according to the control of the control unit 36. Further, the communication unit 33 receives the payment token from the payment 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, a 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 a payment information generation unit 361, a target product identification unit 362, a payment information transmission unit 363, and a code generation unit 364. 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. In addition, the storage unit 35 stores the target product DB including the product ID indicating the target product.

The control unit 36 is, for example, a CPU, and functions as a payment information generation unit 361, a target product identification unit 362, a payment information transmission unit 363, and a code generation unit 364 by executing a program stored in the storage unit 35. ..

The payment information generation unit 361 identifies one or more products to be settled and generates payment information. Specifically, the payment information generation unit 361 obtains the product ID input by the clerk in the operation unit 31 or the product ID read by the reading unit 32 from the barcode attached to the product, and thus obtains the product ID. Identify the product as the product to be settled. The payment information generation 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 payment information generation unit 361 acquires one or more product IDs input by the clerk in the operation unit 31 or the product ID read by the reading unit 32 from the barcode attached to the product, and obtains the price of the product specified from the product ID. Tally. When the settlement information generation unit 361 receives the settlement operation in the operation unit 31, the settlement information generation unit 361 determines the total price of the product as the settlement amount. The payment information generation unit 361 generates payment information including the determined payment amount.

The target product identification unit 362 generates privilege target product information by specifying one or more target products from one or more products to be settled. The privilege target product information is information for identifying the target product for which the privilege is granted among one or more products purchased by the user at the store where the store terminal 3 is installed. The target product identification unit 362 identifies the product ID included in the target product DB stored in the storage unit 35 among the product IDs acquired by the payment information generation unit 361. The target product identification unit 362 identifies the product with the specified product ID as the target product, and generates the specified product ID as the privilege target product information. The privilege target product information also includes the target product for which the user of the user terminal 2 has not applied for the privilege grant. The target product identification unit 362 could not specify the target product because the product ID acquired by the payment information generation unit 361 did not include the product ID included in the target product DB stored in the storage unit 35. In that case, the privilege target information is not generated.

The store terminal 3 transmits the total amount of all the products that the user intends to purchase to the payment device 1, but the payment device 1 attempts to purchase the product when only the total amount is notified. It is not possible to determine whether or not the target product is included in the product. In this way, the store terminal 3 transmits the privilege target product information to the payment device 1, so that the payment device 1 can determine whether or not the user purchases the product to which the privilege is given. Benefits can be granted appropriately.

When the payment information generation unit 361 generates the payment information and the target product identification unit 362 generates the privilege target product information, the payment information transmission unit 363 requests the acquisition of the payment code and the payment information via the communication unit 33. , And the privilege target product information and the store ID are transmitted to the payment device 1. When the target product identification unit 362 does not generate the privilege target information, the payment information transmission unit 363 transmits the payment code acquisition request, the payment information, and the store ID to the payment device 1.

When the payment token is transmitted from the payment device 1, the code generation unit 364 generates a payment code based on the payment token. The code generation unit 364 generates, for example, a payment code based on a predetermined rule. The code generation unit 364 causes the display unit 34 to display the generated payment code.

[Operation of each part of control unit 13]
Subsequently, the operation of each unit of the control unit 13 will be described.
The application reception unit 131 receives the user ID and the usage request from the user terminal 2 via the communication unit 11. The application reception unit 131 notifies the token generation unit 132 of the received user ID and usage request.

The application reception unit 131 accepts an application for granting a privilege from the user at the time of purchasing the target product. Specifically, the application reception unit 131 accepts the application for privilege grant by acquiring the user ID for identifying the user and the application information indicating the application for privilege grant at the time of purchasing the target product from the user. .. The application information includes, for example, a store ID that identifies the store, a product ID that identifies the product, and the contents of the privilege.

Here, the application reception unit 131 accepts the application for granting the privilege by receiving the user ID and the application information from the user terminal 2, but the application is not limited to this, and the application reception unit 131 is not limited to this. By receiving the user ID and the application information, the application for granting the privilege may be accepted. When the application reception unit 131 acquires the user ID and the application information, the application reception unit 131 associates the application information with the user ID and the application date and time, and stores the application management information in the storage unit 12.

FIG. 5 is a diagram showing an example of application management information stored in the storage unit 12. As shown in FIG. 5, in the application management information, it can be confirmed that the user ID, the application date and time, and the application information are associated with each other. In addition, one application information may include a plurality of product IDs.

Here, when the application reception unit 131 receives the user ID and the application information, it may determine whether or not to accept the application for granting the privilege based on a predetermined condition at the timing of receiving the application information. Then, the application reception unit 131 may associate the received application information with the user ID and store it in the storage unit 12 as application management information in response to the determination that the application for granting the privilege is accepted.

The predetermined condition is that the order in which the application information is received among the plurality of users is within the predetermined order, and the application reception unit 131 grants the privilege based on the order in which the application information is received from the user terminal 2. You may decide whether or not to accept the application. Further, the predetermined condition may be that the applicant wins the lottery, and the application reception unit 131 may determine whether or not to accept the application for granting the privilege based on the lottery. By doing so, the payment device 1 can narrow down the users who accept the application at the time of applying for the privilege grant.

The token generation unit 132 receives the payment information, the privilege target product information, and the store ID from the store terminal 3, and when it receives the payment code acquisition request, it generates a payment token for generating the payment code. .. The token generation unit 132 stores the generated payment token, payment information, privilege target product information, and store ID in association with each other in the storage unit 12. In addition, the token generation unit 132 transmits the generated payment token to the store terminal 3 that has transmitted the payment code acquisition request. The token generation unit 132 receives the payment information, the privilege target product information, and the store ID from the store terminal 3, and also receives the payment code acquisition request. However, the payment information, the privilege target product information, and the store ID are used. The timing of accepting the payment code may be different from the timing of accepting the payment code acquisition request. Further, the token generation unit 132 may generate a payment token only when the store indicating the store ID is a specific store.

The token receiving unit 133 receives the payment token and the user ID from the user terminal 2 that has read the payment code displayed by the store terminal 3 based on the payment token. The token receiving unit 133 may receive the payment token and the user ID from the user terminal 2 as well as the store ID. For example, the store terminal 3 displays a store ID or a code indicating the store ID, and the user terminal 2 reads the store ID or reads the code and extracts the store ID from the code to extract the store ID. Is transmitted to the payment device 1.

When the token receiving unit 133 receives the payment token and the user ID from the user terminal 2, the privilege giving unit 134 determines whether or not the received payment token is stored in the storage unit 12. When the privilege granting unit 134 determines that the received payment token is stored in the storage unit 12, the privilege granting unit 134 identifies the application information stored in the storage unit 12 in association with the received user ID. Further, when the privilege granting unit 134 determines that the received payment token is stored in the storage unit 12, the privilege target product information associated with the received payment token and stored in the storage unit 12 is specified. To do.

The privilege granting unit 134 grants the user the privilege corresponding to the application information when the specified application information and the privilege target product information correspond to each other when the privilege target product information can be specified. For example, when the product ID included in the specified application information is included in the specified privilege target product information, the privilege granting unit 134 determines that the application information and the privilege target product information correspond to each other. To do.

Then, the privilege granting unit 134 grants the privilege to the user based on the privilege content included in the application information corresponding to the privilege target product information. Here, the discount amount shown in the privilege content is subtracted from the payment amount indicated by the payment information stored in association with the payment token.

For example, it is assumed that "i382", "i355", and "i900" are included as the privilege target product information, and the product ID included in the specified application information is "i382". Further, it is assumed that the total amount of products that the user has shopped at the store is 3000 yen.

In this case, since the privilege granting unit 134 is also included in the application information specified by the product ID "i382" included in the privilege target product information, it is associated with the product ID in the application management information. Based on the content of the privilege "50 yen discount", 2950 yen, which is obtained by subtracting 50 yen from 3000 yen, is determined as the payment amount of the user.

If the specified application information does not include the product ID "i355", even if the user purchases the product with the product ID "i355", the specified application information and the privilege target received from the store terminal 3 No benefits will be given because it does not correspond to the product information.

Here, the privilege granting unit 134 determines that the application information and the privilege target product information correspond to each other, and the store ID included in the specified application information is stored in association with the payment token. If it is determined that the store ID matches the existing store ID, the user may be given a privilege. Further, when the privilege granting unit 134 receives the store ID from the user terminal 2, it determines that the application information and the privilege target product information correspond to each other, and the received store ID is included in the application information. The privilege may be given to the user according to the fact that it matches the store ID. By doing so, it is possible to give a privilege when the user purchases the target product at a specific store.

In addition, the privilege granting unit 134 may grant the privilege corresponding to the application information to the user when the specified privilege target product information includes a plurality of products included in one application information. For example, when the specified application information includes a plurality of product IDs, the privilege granting unit 134 includes the application information and the privilege target when the specified privilege target product information includes the plurality of product IDs. It is determined that the product information corresponds to the product information, and the user is given a privilege. By doing so, the payment device 1 can give a privilege when a plurality of products corresponding to the application information are purchased at the same time.

The privilege granting unit 134 may grant the privilege corresponding to the application information based on the number of purchases of the target product by the user. In this case, the storage unit 12 stores the purchase history information in which the product ID of the target product purchased by the user, the user ID of the user, and the purchase date and time of the target product are associated with each other. When the privilege granting unit 134 determines that the specified application information and the privilege target product information correspond to each other, the privilege granting unit 134 refers to the purchase history information and specifies the number of purchases of the target product included in the application information. To do. When the number of purchases of the target product matches the predetermined number of purchases, the privilege granting unit 134 grants the privilege corresponding to the application information.

In addition, the privilege granting unit 134 may grant the privilege corresponding to the application information when the user purchases the target product corresponding to the application information for the first time. In this case, when the privilege granting unit 134 determines that the specified application information and the privilege target product information correspond to each other, the privilege granting unit 134 refers to the purchase history information, and the target product included in the application information is in the past. Identify if it has not been purchased. When the privilege granting unit 134 identifies that the target product has not been purchased in the past, the privilege granting unit 134 grants the privilege corresponding to the application information. By doing so, the payment device 1 can give a privilege on condition that the target product is purchased for the first time.

In addition, the privilege granting unit 134 may grant the privilege corresponding to the application information based on the order in which the application information is received. In this case, when the privilege granting unit 134 determines that the specified application information and the privilege target product information correspond to each other, the privilege granting unit 134 refers to the application management information stored in the storage unit 12, and all including the user. With reference to the application date and time of each of the application information of the user, the order in which the user applies for the privilege grant is specified. The privilege granting unit 134 grants the privilege corresponding to the application information when the order in which the user applies for the privilege grant is within a predetermined order. By doing so, it is possible to have the user apply for the privilege grant at an early stage.

In addition, the privilege granting unit 134 may grant the privilege corresponding to the application information based on the lottery. In this case, when it is determined that the specified application information and the privilege target product information correspond to each other, the privilege granting unit 134 performs a lottery and determines whether or not the user has won. When the privilege granting unit 134 determines that the user has won, the privilege granting unit 134 grants the privilege corresponding to the application information. By doing so, it is possible to suppress the users to whom the privilege is granted, and to suppress the cost related to the grant of the privilege on the side that provides the privilege.

The payment unit 135 makes a payment based on the store ID associated with the payment token, the user ID received from the user terminal 2 together with the payment token, and the payment amount determined by the privilege granting unit 134. ..

For example, the settlement unit 135 executes a process of withdrawing the settlement amount from the account of the user specified by the user ID received together with the settlement token from the user terminal 2. Then, the settlement unit 135 may execute a process of depositing the settlement amount into the account of the store specified by the store ID associated with the settlement token and stored. The settlement unit 135 may deposit an amount obtained by subtracting the settlement fee in the settlement device 1 from the settlement amount into the store account. When the settlement of the settlement amount is completed, the settlement unit 135 notifies the user terminal 2 and the store terminal 3 that the payment is completed. In addition, the settlement unit 135 notifies the user terminal 2 of information indicating that the privilege has been given to the user by the privilege giving unit 134, and also provides information indicating the discount amount as information indicating the privilege given to the user. Notify terminal 2.

[Operation sequence]
FIG. 6 is an operation sequence diagram of the payment system S.
The sequence diagram shown in FIG. 6 starts from the point where the user applies for the privilege grant on the user terminal 2 (S1). When the user performs an application operation for granting a privilege, the request transmission unit 262 of the user terminal 2 transmits the user ID and the application information to the payment device 1 (S2).

When the application reception unit 131 of the payment device 1 receives the user ID and the application information, the user ID, the application information, and the application date and time are associated with each other and stored in the storage unit 12 as application management information (S3).

At the store, the user selects a product to be purchased and brings the selected product to a clerk who uses the store terminal 3. The payment information generation unit 361 of the store terminal 3 acquires the product ID input by the clerk in the operation unit 31 or the product ID read by the reading unit 32 from the barcode attached to the product, and is associated with the product ID. The settlement amount is calculated by specifying the price of the product. The payment information generation unit 361 generates payment information including the payment amount (S4). In addition, the target product identification unit 362 of the store terminal 3 generates privilege target product information by specifying one or more target products from one or more target products to be settled (S5).

When the payment information transmission unit 363 generates payment information in S4 and the privilege target product information is generated in S5, the payment information transmission unit 363 setstles the payment code acquisition request, the payment information, the privilege target product information, and the store ID. It is transmitted to the device 1 (S6).

When the token generation unit 132 of the payment device 1 acquires the payment code acquisition request, the payment information, the privilege target product information, and the store ID, the token generation unit 132 generates a payment token for generating the payment code ( S7). The token generation unit 132 stores the generated payment token, the payment information, the privilege target product information, and the store ID in the storage unit 12 in association with each other (S8). The token generation unit 132 transmits the generated payment token to the store terminal 3 that has transmitted the payment code acquisition request (S9).

The code generation unit 364 of the store terminal 3 generates a payment code based on the payment token received from the payment device 1, and displays the generated payment code on the display unit 34 (S10). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S11). The token transmission unit 263 of the user terminal 2 transmits the payment token obtained from the payment code and the user ID to the payment device 1 (S12).

When the token receiving unit 133 receives the payment token and the user ID from the user terminal 2, the privilege giving unit 134 identifies the application information stored in the storage unit 12 in association with the received user ID (S13). .. In addition, the privilege granting unit 134 identifies the privilege target product information stored in the storage unit 12 in association with the received payment token (S14).

Then, when the specified application information and the privilege target product information correspond to each other, the privilege granting unit 134 grants the user a privilege corresponding to the application information (S15). Here, as a privilege, a discount is performed from the payment amount indicated by the payment information associated with the payment token.

Subsequently, the settlement unit 135 makes a payment based on the store ID associated with the payment token, the user ID received together with the payment token, and the payment amount determined by the privilege granting unit 134 (S16).

[Modification example]
In the above description, the store terminal 3 makes a request for acquisition of the payment code to the payment device 1 when the user purchases the product, but the present invention is not limited to this. For example, in a store where only products with the same amount of money are handled and the purchase amount of the user's product is constant, the store terminal 3 displays the payment information and the privilege target product information before the user purchases the product. , The request for acquiring the payment code may be transmitted to the payment device 1 in advance.

FIG. 7 is an operation sequence diagram of the payment system S when the store terminal 3 requests the acquisition of the payment code before the user purchases the product.

As shown in FIG. 7, first, the payment information transmission unit 363 transmits a payment code acquisition request, payment information, privilege target product information, and store ID to the payment device 1 (S21).
When the token generation unit 132 of the payment device 1 receives the payment information, the privilege target product information, the store ID, and the payment code acquisition request from the store terminal 3, the token generation unit 132 generates the payment token (S22). The token generation unit 132 stores the generated payment token, the payment information, the privilege target product information, and the store ID in the storage unit 12 in association with each other (S23). Further, the token generation unit 132 transmits the generated payment token to the store terminal 3 that has transmitted the payment code acquisition request (S24).

When the code generation unit 364 receives the payment token from the payment device 1, the code generation unit 364 stores the payment token in the storage unit 35 (S25).

After that, when the user performs a privilege grant application operation on the user terminal 2 (S26), the request transmission unit 262 of the user terminal 2 transmits the user ID and the application information to the payment device 1 (S27). When the application reception unit 131 of the payment device 1 receives the user ID and the application information, the user ID, the application information, and the application date and time are associated with each other and stored in the storage unit 12 as application management information (S28).

At the store, the user selects a product to be purchased and brings the selected product to a clerk who uses the store terminal 3. Here, as described above, in the store, only the products having the same amount of money are handled, and the purchase amount of the user is always constant regardless of the type of the product. Therefore, the code generation unit 364 of the store terminal 3 is stored in the storage unit 35. A payment code based on the stored payment token is generated, and the generated payment code is displayed on the display unit 34 (S29). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S30). The token transmission unit 263 of the user terminal 2 transmits the payment token obtained from the payment code and the user ID to the payment device 1 (S31).

After that, the privilege granting unit 134 performs the same processing as the processing of S13 to 15 shown in FIG. 6 to grant the privilege to the user (S32 to S34). Here, as a privilege, a discount is given from the payment amount. The settlement unit 135 makes a settlement in the same manner as the process of S16 shown in FIG. 6 (S35).

In this sequence, when the user purchases a product, the code generation unit 364 generates a payment code based on the payment token stored in the storage unit 35 and displays it on the display unit 34. , Not limited to this. Instead of displaying the payment code on the store terminal 3, the store clerk prints the payment code on paper or the like in advance, and when the user purchases the product, the payment code is printed on the paper or the like. The code may be presented to the user.

[Effect of payment system S]
As described above, when the payment device 1 acquires the user ID and the application information indicating the application for granting the privilege at the time of purchasing the target product, the payment device 1 associates the user ID with the application information and stores the application information in the storage unit 12. Let me. When the payment device 1 receives the payment information, the privilege target product information, and the acquisition request of the payment code from the store terminal 3, the payment device 1 generates a payment token and associates the generated payment token with the privilege target product information. It is stored in the storage unit 12 and transmitted to the store terminal 3. The store terminal 3 creates a payment code based on the received payment token. When the payment device 1 receives the user ID and the payment token from the user terminal 2 that has read the payment code displayed by the store terminal 3 based on the payment token, the payment device 1 receives an application associated with the received user ID. In addition to identifying the information, identify the privilege target product information associated with the received payment token. Then, when the specified application information and the privilege target product information correspond to each other, the payment device 1 gives the user a privilege corresponding to the application information. By doing so, the store clerk can perform the settlement process simply by reading the payment code, and the user of the user terminal 2 can receive a discount due to the privilege at the time of payment, so that the privilege is granted. The settlement process of electronic payment accompanied by is simplified.

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 thereof. is there. 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 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 Unit 36 Control unit 131 Application reception unit 132 Token generation unit 133 Token reception unit 134 Benefit granting unit 135 Payment unit 261 Operation reception unit 262 Request transmission unit 263 Token transmission unit 361 Payment information generation unit 362 Target product identification unit 363 Payment information transmission unit 364 Code generator

Claims (15)

Computer runs,
A step of acquiring a user identifier for identifying a user and application information indicating an application for granting benefits at the time of purchase of a target product to which benefits are granted according to the purchase, and a step of acquiring from the user.
A step of associating the application information with the user identifier and storing the user identifier in the storage unit,
The store terminal accepts payment information for use in payment of one or more products and privilege target product information for identifying one or more of the target products among the one or more products, and the user makes a payment at the store. The step of accepting the acquisition request of the payment code for
Upon receiving the acquisition request, a step of generating a payment token for generating the payment code, and
A step of associating the generated payment token with the privilege target product information and storing the token in the storage unit.
A step of transmitting the generated payment token to the store terminal, and
A step of receiving the payment token and the user identifier from the user terminal that has read the payment code displayed by the store terminal based on the payment token.
The application information stored in the storage unit associated with the user identifier received from the user terminal and the privilege stored in the storage unit associated with the payment token received from the user terminal. When the target product information corresponds to the step of giving the user the privilege corresponding to the application information, and
How to give benefits. In the step of granting the privilege, the computer applies the discount of the amount as the privilege to the payment amount corresponding to the payment.
It further comprises a step performed by the computer to make a payment based on the payment amount to which the benefit is applied.
The method for granting benefits according to claim 1. In the step of granting the privilege, the computer determines whether or not the payment token received from the user terminal is stored in the storage unit, thereby determining whether or not the payment token received from the user terminal is stored in the storage unit. And, it is determined whether or not the payment tokens transmitted to the store terminal match, and if it is determined that they match, the user is given a privilege corresponding to the application information.
The method for granting benefits according to claim 1 or 2. Further, the computer has a step of receiving the privilege target product information generated by specifying one or more of the target products from the one or more products to be settled by the store terminal from the store terminal.
The privilege granting method according to any one of claims 1 to 3. Upon receiving the user identifier and the application information executed by the computer, the computer further has a step of determining whether or not to accept the application for granting the privilege based on a predetermined condition.
In the step of storing, when the computer determines in the step of determining that the application for granting the privilege is accepted, the application information is associated with the user identifier and stored in the storage unit.
The privilege granting method according to any one of claims 1 to 4. In the determination step, the computer determines whether or not to accept the application for granting the privilege based on the order in which the application information is received.
The method for granting benefits according to claim 5. In the determination step, the computer determines whether or not to accept the application for granting the privilege based on the lottery.
The method for granting benefits according to claim 5 or 6. The computer executes the determination step at the timing of receiving the application information.
The privilege granting method according to any one of claims 5 to 7. In the step of granting the privilege, the computer determines whether or not to grant the privilege corresponding to the application information, and when it is determined to grant the privilege corresponding to the application information, the computer corresponds to the application information. Grant benefits,
The privilege granting method according to any one of claims 1 to 8. The application information includes information indicating a plurality of target products.
In the step of granting the privilege, the computer gives the user the privilege corresponding to the application information when the received product information subject to the privilege includes the plurality of products included in the application information. Give,
The method for granting benefits according to claim 9. In the step of granting the privilege, the computer grants the privilege corresponding to the application information based on the number of purchases of the target product corresponding to the application information of the user corresponding to the user identifier.
The privilege granting method according to any one of claims 1 to 10. In the step of granting the privilege, the computer grants the privilege corresponding to the application information when the user corresponding to the user identifier purchases the target product corresponding to the application information for the first time.
The method for granting benefits according to claim 9 or 10. In the step of granting the privilege, the computer grants the privilege corresponding to the application information based on the order in which the application information is received.
The privilege granting method according to any one of claims 1 to 12. In the step of granting the privilege, the computer grants the privilege corresponding to the application information based on the lottery.
The privilege granting method according to any one of claims 1 to 13. When the user identifier for identifying the user and the application information indicating the application for granting the privilege at the time of purchasing the target product to which the privilege is granted according to the purchase are obtained from the user, the application information and the user identifier are obtained. The application reception department, which is associated and stored in the storage department,
The store terminal accepts payment information for use in payment of one or more products and privilege target product information for identifying one or more of the target products among the one or more products, and the user makes a payment at the store. When the acquisition request of the payment code is received, the payment token for generating the payment code is generated, and the generated payment token is associated with the privilege target product information and stored in the storage unit. A token generation unit that stores the generated payment token and transmits the generated token to the store terminal.
A token receiving unit that receives the payment token and the user identifier from the user terminal that has read the payment code displayed by the store terminal based on the payment token.
The application information stored in the storage unit associated with the user identifier received from the user terminal and the privilege stored in the storage unit associated with the payment token received from the user terminal. When the target product information corresponds to the privilege granting unit that grants the privilege corresponding to the application information to the user,
A privilege granting device having.

Images