Payment system, payment method, and program

Abstract

To provide a payment system, a payment method, and a program capable of reducing the cost required for introducing a payment terminal capable of accepting credit card payments in an unmanned service machine. [Solution] A payment system comprising: a payment method acceptance unit that presents contact payment, contactless payment, and magnetic payment as payment method options and accepts the user's selection of the payment method when a user makes a credit card payment at an unmanned service machine equipped with a payment terminal that supports only contactless payment; a code generation unit that, when the user selects contact payment or magnetic payment as the payment method, generates a two-dimensional barcode to access a payment site for making the payment by contact payment or magnetic payment; and an output processing unit that displays the generated two-dimensional barcode on the payment terminal.

Description

[Technical Field]

[0001] The present invention relates to a payment system, a payment method, and a program. [Background technology]

[0002] Conventionally, the specifications of payment terminals used for credit card payments have been determined in accordance with rules set by card operators. These rules, for example, stipulate that payment terminals must be able to accept all types of cards, including contact IC (Integrated Circuit) cards, contactless IC cards, and magnetic stripe cards.

[0003] On the other hand, it is also permitted for unmanned service machines to accept only contactless IC cards for credit card payments. Payment terminals that accept only contactless IC cards are cheaper than payment terminals that accept all types of cards, including contact IC cards, contactless IC cards, and magnetic stripe cards. For this reason, they are increasingly being introduced into unmanned service machines, such as ticket vending machines and beverage vending machines. Patent Document 1 below discloses technology related to a beverage vending machine equipped with a contactless payment terminal that allows payments by contactless credit card. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2020-87220 Summary of the Invention [Problem to be solved by the invention]

[0005] However, there are exceptions to this rule for some unmanned service machines, where it is mandatory to accept not only contactless IC cards but also contact IC cards and magnetic stripe cards for credit card payments. In such cases, the unmanned service machine must use a payment terminal that can accept all types of cards, including contactless IC cards, contact IC cards, and magnetic stripe cards. This has led to the issue of high costs involved in installing payment terminals that can accept credit card payments in unmanned service machines.

[0006] In view of the above-mentioned problems, an object of the present invention is to provide a payment system, a payment method, and a program that can reduce the cost of introducing a payment terminal that can accept credit card payments in an unmanned service machine. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems, one embodiment of the payment system of the present invention is a payment system that includes: a payment method acceptance unit that presents contact payment, contactless payment, and magnetic payment as payment method options and accepts the user's selection of the payment method when a user makes a credit card payment at an unmanned service machine equipped with a payment terminal that supports only contactless payment; a code generation unit that, when the user selects contact payment or magnetic payment as the payment method, generates a two-dimensional barcode for accessing a payment site for making the payment by contact payment or magnetic payment; and an output processing unit that displays the generated two-dimensional barcode on the payment terminal.

[0008] A payment method according to one aspect of the present invention is a computer-executed payment method that, when a user makes a credit card payment at an unmanned service machine equipped with a payment terminal that supports only contactless payment, includes a payment method acceptance process that presents contact payment, contactless payment, and magnetic payment as payment method options and accepts the user's selection of the payment method; a code generation process that, when the user selects contact payment or magnetic payment as the payment method, generates a two-dimensional barcode for accessing a payment site for making the payment by contact payment or magnetic payment; and an output processing process that displays the generated two-dimensional barcode on the payment terminal.

[0009] A program according to one aspect of the present invention is a program that causes a computer to function as: a payment method acceptance means that, when a user makes a credit card payment at an unmanned service machine equipped with a payment terminal that supports only contactless payment, presents contactless payment, and magnetic payment as payment method options and accepts the user's selection of the payment method; a code generation means that, when the user selects contactless payment or magnetic payment as the payment method, generates a two-dimensional barcode for accessing a payment site for making the payment by contactless payment or magnetic payment; and an output processing means that displays the generated two-dimensional barcode on the payment terminal. [Effects of the Invention]

[0010] According to the present invention, it is possible to reduce the cost of introducing a payment terminal capable of accepting credit card payments in an unmanned service machine. [Brief explanation of the drawings]

[0011] [Figure 1] FIG. 1 is a diagram showing an overview of a payment service according to an embodiment of the present invention. [Figure 2] 1 is a block diagram illustrating an example of the configuration of a payment system according to an embodiment of the present invention. [Figure 3]2 is a block diagram showing an example of the functional configuration of the settlement machine according to the present embodiment. FIG. [Figure 4] FIG. 2 is a block diagram illustrating an example of a functional configuration of a payment terminal according to the present embodiment. [Figure 5] FIG. 2 is a block diagram showing an example of the functional configuration of a user terminal according to the present embodiment. [Figure 6] 1 is a block diagram showing an example of the functional configuration of a credit card payment system according to an embodiment of the present invention. FIG. [Figure 7] FIG. 2 is a block diagram showing an example of a functional configuration of an acquirer system according to the present embodiment. [Figure 8] FIG. 10 is a sequence diagram showing an example of a processing flow according to the present embodiment. [Figure 9] FIG. 10 is a sequence diagram showing an example of a processing flow according to the present embodiment. [Figure 10] FIG. 10 is a sequence diagram showing an example of a processing flow according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

[0013] <1. Overview of payment services> An overview of the payment service according to this embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an overview of the payment service according to this embodiment.

[0014] The payment service SA shown in Figure 1 is a service that enables contact, contactless, and magnetic stripe credit card payments at unmanned service machines using a payment terminal that supports only contactless payments. Contactless payment refers to credit card payments using a contact IC (Integrated Circuit) card. Contactless payment refers to credit card payments using a contactless IC card. Magnetic stripe credit card payments refer to credit card payments using a magnetic stripe card.

[0015] The unmanned service machine is a device for paying the usage fees for various services. For example, the unmanned service machine is a device for simply paying the fee for the service received by the user. In the following, this embodiment will be described using as an example an example where the service received by the user is a parking lot provision service and the unmanned service machine is an adjustment machine 10 installed in a parking lot.

[0016] Here, with reference to FIG. 1, an outline of how the payment machine 10 is used when a user U who has used a parking lot makes payment by credit card will be described.

[0017] As shown in FIG. 1, user U first selects credit card payment at the payment machine 10 (step S1). At this time, user U also selects which payment method to use for credit card payment: contact payment, contactless payment, or magnetic payment. If user U selects contact payment or magnetic payment, a two-dimensional barcode CD is displayed on the payment terminal 20. The two-dimensional barcode CD contains connection information for accessing a payment site to make payment by contact payment or magnetic payment. If the user U selects contactless payment, the payment terminal 20 accepts payment by contactless payment.

[0018] The user U reads the two-dimensional barcode CD displayed on the payment terminal 20 with his / her own user terminal 30 (step S2).

[0019] The user terminal 30 accesses the payment site based on the connection information read from the two-dimensional barcode CD and displays a credit card payment screen (step S3). The credit card payment screen is a screen where the user U inputs information about the credit card used for contactless or magnetic payment (hereinafter also referred to as "credit card information") and executes payment. The credit card information includes, for example, the international card brand, credit card number, expiration date, CVC (Card Validation Code) number (security code), and cardholder's name.

[0020] The user U enters credit card information into the credit card payment screen displayed on the user terminal 30 and executes payment (step S4). This allows the user U to make payment by contactless payment or magnetic payment.

[0021] <2. Payment system configuration> The outline of the payment service SA according to this embodiment has been explained above with reference to Fig. 1. Next, the configuration of the payment system 1 according to this embodiment will be explained with reference to Fig. 2. Fig. 2 is a block diagram showing an example of the configuration of the payment system 1 according to this embodiment.

[0022] The payment system 1 shown in FIG. 2 is a system for providing the payment service SA outlined above with reference to FIG. As shown in Figure 2, the payment system 1 includes a settlement machine 10, a payment terminal 20, a user terminal 30, a credit card payment system 40, and an acquirer system 50. The network NW may be configured to transmit and receive information using, for example, a local area network (LAN), a wide area network (WAN), a telephone network (such as a mobile phone network or a landline telephone network), a regional internet protocol (IP) network, or the internet.

[0023] (1) Settlement machine 10 The settlement machine 10 is an example of an unmanned service machine. Payment methods available at the settlement machine 10 are not limited to credit card payments. Other available payment methods include, for example, cash payments, transportation IC card payments, and two-dimensional barcode payments. The settlement machine 10 is connected to the settlement terminal 20, for example, via a wired connection, so that various information can be sent and received.

[0024] (2) Payment terminal 20 The payment terminal 20 is a terminal that supports only contactless payment, and is installed in the settlement machine 10. Contactless payment that can be used with the payment terminal 20 is not limited to contactless credit card payment, but also includes contactless transportation IC card payment and two-dimensional barcode payment. The payment terminal 20 is connected, for example, by a wired connection, to the settlement machine 10 so as to be able to send and receive various information. The payment terminal 20 is also connected, via the network NW, to the credit card payment system 40 so as to be able to send and receive various information.

[0025] (3) User terminal 30 The user terminal 30 is a terminal used by the user U. The user terminal 30 is, for example, a smartphone, a tablet terminal, or the like. The user terminal 30 is connected to the credit card payment system 40 via the network NW so as to be able to send and receive various information.

[0026] (4) Credit card payment system 40 The credit card payment system 40 is a system that performs processing related to credit card payments. The credit card payment system 40 is configured, for example, by one or more PCs and server devices (for example, cloud servers). The credit card payment system 40 is connected to the payment terminal 20, the user terminal 30, and the acquirer system 50 via the network NW so as to be able to send and receive various information.

[0027] (5) Acquirer System 50 The acquirer system 50 is a system that performs processing related to authorization. Authorization is the process of confirming whether or not payment can be made with a credit card when a user U uses that card. The acquirer system 50 is configured, for example, by one or more PCs or server devices (e.g., cloud servers). The acquirer system 50 is connected to the credit card payment system 40 via the network NW so as to be able to send and receive various information.

[0028] <3. Functional configuration of the payment machine> The configuration of the payment system 1 according to this embodiment has been described above with reference to Fig. 2. Next, the functional configuration of the settlement machine 10 according to this embodiment will be described with reference to Fig. 3. Fig. 3 is a block diagram showing an example of the functional configuration of the settlement machine 10 according to this embodiment. As shown in FIG. 3, the settlement machine 10 includes an input unit 110, a communication unit 120, a storage unit 130, a control unit 140, and an output unit 150.

[0029] (1) Input unit 110 The input unit 110 has a function of accepting input. The input unit 110 is configured, for example, by an input device that the settlement machine 10 has as hardware, such as a button, a touch panel, a microphone, etc.

[0030] (2) Communications Department 120 The communication unit 120 has a function of transmitting and receiving various information. The communication unit 120 is connected to the payment terminal 20 via a wired connection so as to be able to communicate with the payment terminal 20, and transmits and receives various information.

[0031] (3) Storage section 130 The storage unit 130 has the function of storing various types of information. The storage unit 130 is configured by a storage medium provided as hardware in the settlement machine 10, such as a hard disk drive (HDD), a solid state drive (SSD), flash memory, electrically erasable programmable read only memory (EEPROM), random access read / write memory (RAM), read only memory (ROM), or any combination of these storage media.

[0032] (4) Control unit 140 The control unit 140 has a function of controlling the overall operation of the settlement machine 10. The control unit 140 is realized, for example, by causing a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit) that the settlement machine 10 has as hardware to execute a program. As shown in FIG. 3, the control unit 140 includes a payment operation receiving unit 141, a payment processing unit 142, a gate control unit 143, and an output processing unit 144.

[0033] (4-1) Payment Operation Acceptance Unit 141 The payment operation receiving unit 141 receives operations for settlement (payment) from the user U. The payment operation receiving unit 141 receives, for example, the selection of a payment method and operations required according to the selected payment method.

[0034] (4-2) Payment Processing Unit 142 The payment processing unit 142 has a function of executing settlement processing (payment processing). The payment processing unit 142 executes settlement processing according to the payment method selected by the user U. For example, if cash payment is selected as the payment method, the payment processing unit 142 executes settlement processing based on the cash inserted into the settlement machine 10. Furthermore, if contactless payment is selected as the payment method, the payment processing unit 142 transmits information necessary for settlement to the payment terminal 20 (hereinafter also referred to as "settlement information"), and executes settlement processing based on the payment result input from the payment terminal 20. The settlement information includes, for example, information indicating the object of payment (hereinafter also referred to as "object information") and information indicating the amount of payment (hereinafter also referred to as "amount information").

[0035] (4-3) Gate control unit 143 The gate control unit 143 has a function of controlling the opening and closing of the gate of the parking lot. When the settlement process by the payment processing unit 142 is completed normally, the gate control unit 143 opens the gate of the parking lot.

[0036] (4-4) Output processing unit 144 The output processing unit 144 has a function of controlling the output of various information. For example, the output processing unit 144 displays on the output unit 150 a payment method selection screen, a screen showing payment information, a screen showing the results of the payment process, and the like.

[0037] (5) Output unit 150 The output unit 150 has a function of outputting various information. The output unit 150 is configured, for example, by an output device provided as hardware in the settlement machine 10, such as a display device or a touch screen (touch panel), or an audio output device such as a speaker.

[0038] <4. Functional configuration of payment terminal> The functional configuration of the settlement machine 10 according to this embodiment has been described above with reference to Fig. 3. Next, the functional configuration of the payment terminal 20 according to this embodiment will be described with reference to Fig. 4. Fig. 4 is a block diagram showing an example of the functional configuration of the payment terminal 20 according to this embodiment. As shown in FIG. 4, payment terminal 20 includes input unit 210, communication unit 220, storage unit 230, control unit 240, and output unit 250.

[0039] (1) Input unit 210 The input unit 210 has a function of accepting input. The input unit 210 is configured by, for example, an input device that the payment terminal 20 includes as hardware, such as a button, a touch panel, a microphone, and the like.

[0040] (2) Communications Department 220 The communication unit 220 has the function of transmitting and receiving various information. The communication unit 220 is communicably connected to the wired settlement machine 10 and transmits and receives various information. The communication unit 220 is also communicably connected to the credit card payment system 40 via the network NW and transmits and receives various information.

[0041] (3) Storage section 230 Storage unit 230 has a function of storing various types of information. Storage unit 230 is configured by a storage medium provided as hardware in payment terminal 20, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0042] (4) Control unit 240 The control unit 240 has a function of controlling the overall operation of the payment terminal 20. The control unit 240 is realized, for example, by causing a CPU or a GPU that the payment terminal 20 has as hardware to execute a program. As shown in FIG. 4, the control unit 240 includes a payment method acceptance unit 241, a code generation unit 242, and an output processing unit 243.

[0043] (4-1) Payment Method Reception Unit 241 The payment method reception unit 241 has a function of receiving the selection of a payment method. When the communication unit 220 receives payment information from the settlement machine 10, the payment method reception unit 241 displays a payment menu screen on the output unit 250. On the payment menu screen, payment methods such as contact payment, contactless payment, and magnetic payment can be selected. When a user U makes a payment by credit card at a settlement machine 10 equipped with a payment terminal 20, the payment method acceptance unit 241 presents contact payment, contactless payment, and magnetic payment as payment method options and accepts the selection of the payment method from the user U. The options are displayed on the output unit 250.

[0044] (4-2) Code generation unit 242 The code generation unit 242 has a function of generating a two-dimensional barcode CD. When contactless payment or magnetic payment is selected as the payment method by the user U, the code generation unit 242 generates a two-dimensional barcode CD for accessing a payment site for making a payment by contactless payment or magnetic payment. The code generation unit 242 generates a two-dimensional barcode CD that includes target information, amount information, and connection information to the payment site. The target information and amount information are information included in the settlement information sent from the settlement machine 10 to the payment terminal 20 when contactless payment is selected as the payment method in the settlement machine 10.

[0045] (4-3) Output processing unit 243 The output processing unit 243 has a function of controlling the output of various information. For example, the output processing unit 243 displays a payment method selection screen, a screen showing settlement information, a screen showing payment results, etc. on the output unit 250. The output processing unit 243 also causes the output unit 250 to display the two-dimensional barcode CD generated by the code generation unit 242. The output processing unit 243 displays the payment result on the output unit 250 based on, for example, the payment result received by the communication unit 220 from the credit card payment system 40. The payment result received by the communication unit 220 from the credit card payment system 40 is, for example, an authorization result. The authorization result is information indicating the result of a determination made by the acquirer system 50 as to whether payment using user U's credit card is possible. If the authorization result indicates that payment using user U's credit card is possible, the output processing unit 243 displays, on the output unit 250, a payment result indicating that payment using user U's credit card has been completed (transaction successful). On the other hand, if the authorization result indicates that payment using user U's credit card is not possible, the output processing unit 243 displays, on the output unit 250, a payment result indicating that payment using user U's credit card has not been completed (transaction unsuccessful). The output processing unit 243 communicates the payment result from the communication unit 220 to the settlement machine 10.

[0046] (5) Output section 250 Output unit 250 has a function of outputting various information. Output unit 250 is configured, for example, by an output device provided as hardware in payment terminal 20, such as a display device or a touch screen (touch panel), or an audio output device such as a speaker.

[0047] <5. Functional configuration of user terminal> The functional configuration of the payment terminal 20 according to this embodiment has been described above with reference to Fig. 4. Next, the functional configuration of the user terminal 30 according to this embodiment will be described with reference to Fig. 5. Fig. 5 is a block diagram showing an example of the functional configuration of the user terminal 30 according to this embodiment. As shown in FIG. 5, the user terminal 30 includes an input unit 310, a communication unit 320, an image capturing unit 330, a storage unit 340, a control unit 350, and an output unit 360.

[0048] (1) Input unit 310 The input unit 310 has a function of receiving inputs. The input unit 310 is configured by, for example, an input device that the user terminal 30 has as hardware, such as a button, a touch panel, a microphone, and the like.

[0049] (2) Communications Department 320 The communication unit 320 has a function of transmitting and receiving various information. The communication unit 320 is communicably connected to the credit card payment system 40 via the network NW, and transmits and receives various information.

[0050] (3) Photography Department 330 The photographing unit 330 has a function of photographing an object and capturing an image. The photographing unit 330 is configured, for example, by a camera provided as hardware in the user terminal 30. When reading the two-dimensional barcode CD displayed on the payment terminal 20, the user U photographs the two-dimensional barcode CD using the camera.

[0051] (4) Storage section 340 The storage unit 340 has a function of storing various types of information. The storage unit 340 is configured by a storage medium provided as hardware in the user terminal 30, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0052] (5) Control unit 350 The control unit 350 has a function of controlling the overall operation of the user terminal 30. The control unit 350 is realized, for example, by causing a CPU or a GPU that the user terminal 30 has as hardware to execute a program. As shown in FIG. 5, the control unit 350 includes an operation reception unit 351, a reading processing unit 352, an access processing unit 353, an information linking unit 354, and an output processing unit 355.

[0053] (5-1) Operation Reception Unit 351 The operation acceptance unit 351 has a function of accepting various operations. For example, the operation acceptance unit 351 accepts an operation to read a two-dimensional barcode CD, an operation to input credit card information, etc. When an operation to read a two-dimensional barcode CD is accepted, the operation acceptance unit 351 activates the camera (photographing unit 330). When an operation to input credit card information is accepted, the operation acceptance unit 351 displays the input credit card information on the screen.

[0054] (5-2) Reading processing unit 352 The reading processing unit 352 has a function of reading information from the two-dimensional barcode CD. The reading processing unit 352 reads the target information, amount information, and connection information to the payment site from the two-dimensional barcode CD photographed by the photographing unit 330.

[0055] (5-3) Access processing unit 353 The access processing unit 353 has a function of executing access to the payment site. The access processing unit 353 accesses the payment site based on the connection information read from the two-dimensional barcode CD by the reading processing unit 352. At this time, the access processing unit 353 transmits the target information and amount information read from the two-dimensional barcode CD by the reading processing unit 352 to the payment site.

[0056] (5-4) Information Collaboration Department 354 The information linking unit 354 has a function of linking information to the settlement machine 10. For example, the information linking unit 354 links (transmits) the credit card information that the user U inputs on the credit card payment screen to the credit card payment system 40 via the communication unit 220. The information linking unit 354 also links (transmits) the payment result that the payment terminal 20 receives from the credit card payment system 40 to the settlement machine 10 via the communication unit 220.

[0057] (5-5) Output processing unit 355 The output processing unit 355 has a function of controlling the output of various information. For example, the output processing unit 355 displays a payment site (credit card payment screen), a screen showing the payment result, etc. on the output unit 360. For example, similar to the output processing unit 243 of the payment terminal 20 described above, the output processing unit 355 causes the output unit 360 to display the payment result based on the authorization result received by the communication unit 320 from the credit card payment system 40.

[0058] (6) Output unit 360 The output unit 360 has a function of outputting various information. The output unit 360 is configured by, for example, an output device provided as hardware in the user terminal 30, such as a display device or a touch screen (touch panel), or an audio output device such as a speaker.

[0059] <6. Functional configuration of credit card payment system> The functional configuration of the user terminal 30 according to this embodiment has been described above with reference to Fig. 5. Next, the functional configuration of the credit card payment system 40 according to this embodiment will be described with reference to Fig. 6. Fig. 6 is a block diagram showing an example of the functional configuration of the credit card payment system 40 according to this embodiment. As shown in FIG. 6, the credit card payment system 40 includes a communication unit 410, a storage unit 420, and a control unit 430.

[0060] (1) Communications Department 410 The communication unit 410 has a function of transmitting and receiving various information. The communication unit 410 is communicably connected to the payment terminal 20, the user terminal 30, and the acquirer system 50 via the network NW, and transmits and receives various information.

[0061] (2) Storage section 420 The storage unit 420 has a function of storing various information. The storage unit 420 is configured by a storage medium provided as hardware in the credit card payment system 40, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0062] (3) Control unit 430 The control unit 430 has a function of controlling the overall operation of the credit card payment system 40. The control unit 430 is realized, for example, by causing a CPU or GPU that the credit card payment system 40 has as hardware to execute a program. As shown in FIG. 6, the control unit 430 includes a payment screen processing unit 431, a payment acceptance unit 432, an authorization request unit 433, and a payment processing unit 434.

[0063] (3-1) Payment screen processing unit 431 The payment screen processing unit 431 has a function to execute processing related to the display of the payment screen. For example, the payment screen processing unit 431 displays a credit card payment screen on the user terminal 30 of the user U who has read the two-dimensional barcode and accessed the payment site.

[0064] (3-2) Payment acceptance unit 432 The payment acceptance unit 432 has a function of accepting credit card payments. The payment acceptance unit 432 accepts credit card payments by contact type payment or magnetic type payment, for example, based on the credit card information entered by the user U on the credit card payment screen and the target information and amount information received from the user terminal 30 when the two-dimensional barcode is read.

[0065] (3-3) Authorization request section 433 The authorization request unit 433 has a function of requesting authorization from the acquirer system 50. The authorization request unit 433 generates authorization information indicating information necessary for authorization determination based on the credit card information entered by the user U on the credit card payment screen. The authorization request unit 433 transmits the generated authorization information from the communication unit 410 to the acquirer system 50, and requests authorization for the credit card information.

[0066] (3-4) Payment processing unit 434 The payment processing unit 434 has a function of executing processing related to credit card payments. The payment processing unit 434 transmits the authorization result (payment result) of the credit card of the user U, which the communication unit 410 receives from the acquirer system 50, from the communication unit 410 to the payment terminal 20 and the user terminal 30.

[0067] <7. Functional configuration of the acquirer system> The functional configuration of the credit card payment system 40 according to this embodiment has been described above with reference to Fig. 6. Next, the functional configuration of the acquirer system 50 according to this embodiment will be described with reference to Fig. 7. Fig. 7 is a block diagram showing an example of the functional configuration of the acquirer system 50 according to this embodiment. As shown in FIG. 7, the acquirer system 50 includes a communication unit 510, a storage unit 520, and a control unit 530.

[0068] (1) Communications Unit 510 The communication unit 510 has a function of transmitting and receiving various information. The communication unit 510 is communicably connected to the credit card payment system 40 via the network NW, and transmits and receives various information.

[0069] (2) Storage section 520 The storage unit 520 has a function of storing various types of information. The storage unit 520 is configured by a storage medium provided as hardware in the acquirer system 50, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0070] (3) Control unit 530 The control unit 530 has a function of controlling the overall operation of the acquirer system 50. The control unit 530 is realized, for example, by causing a CPU or GPU provided as hardware in the acquirer system 50 to execute a program. As shown in FIG. 7, the control unit 530 includes an authorization processing unit 531.

[0071] (3-1) Authorization processing unit 531 The authorization processing unit 531 has a function of executing processing related to authorization. Based on the authorization information received by the communication unit 510 from the credit card payment system 40, the authorization processing unit 531 determines whether payment can be made using the credit card indicated by the authorization information. After the determination, the authorization processing unit 531 transmits the authorization determination result (authorization result) from the communication unit 510 to the credit card payment system 40.

[0072] <8. Processing flow> The functional configuration of the acquirer system 50 according to this embodiment has been described above with reference to Fig. 7. Next, the processing flow according to this embodiment will be described with reference to Fig. 8 to Fig. 10. Figs. 8 to 10 are sequence diagrams showing an example of the processing flow according to this embodiment.

[0073] (1) Processing flow from the start of the payment operation to the display of the 2D barcode The flow of processing from the start of the payment operation to the display of the two-dimensional barcode CD will be described with reference to Figure 8. As shown in Figure 8, first, the user U performs a payment operation on the payment machine 10 (step S101). Through this payment operation, the amount to be paid by the user U is confirmed and a payment method is selected. Below, an example will be described in which credit card payment is selected as the payment method.

[0074] The payment operation acceptance unit 141 of the settlement machine 10 accepts a settlement operation (payment operation) by the user U (step S102). The payment processing unit 142 of the settlement machine 10 generates settlement information based on the settlement operation accepted by the payment operation acceptance unit 141, and transmits the settlement information from the communication unit 120 to the payment terminal 20 (step S103). When the communication unit 220 receives the settlement information from the settlement machine 10, the payment method reception unit 241 of the payment terminal 20 causes the output unit 250 to display a payment menu screen (step S104).

[0075] Next, the user U selects a payment method on the payment menu screen displayed on the payment terminal 20 (step S105). The following describes an example in which contact-type payment or magnetic payment is selected as the payment method. The payment method acceptance unit 241 of the payment terminal 20 accepts the selection of the payment method from the user U on the payment menu screen (step S106). The code generation unit 242 of the payment terminal 20 generates a two-dimensional barcode CD for accessing a payment site for making a payment by contactless payment or magnetic payment (step S107). The output processing unit 243 of the payment terminal 20 displays the two-dimensional barcode CD generated by the code generating unit 242 on the output unit 250 of the payment terminal 20 (step S108).

[0076] (2) Processing flow from reading the 2D barcode to accepting credit card payment The flow of processing from reading the two-dimensional barcode CD to accepting credit card payment will be described with reference to Fig. 9. As shown in Fig. 9, first, the user U performs an operation to read the two-dimensional barcode CD on the user terminal 30 (step S201). When the operation reception unit 351 receives a reading operation from the user U, the reading processing unit 352 of the user terminal 30 reads the two-dimensional barcode CD displayed on the output unit 250 of the payment terminal 20 (step S202). The access processing unit 353 of the user terminal 30 accesses the payment site based on the connection information read by the reading processing unit 352 from the two-dimensional barcode CD (step S203). The payment screen processing unit 431 of the credit card payment system 40 displays a credit card payment screen on the user terminal 30 of the user U who reads the two-dimensional barcode CD and accesses the payment site (step S204).

[0077] The user U inputs credit card information into the credit card payment screen displayed on the output unit 360 of the user terminal 30 (step S205). The information linking unit 354 of the user terminal 30 links (transmits) the credit card information entered by the user U on the credit card payment screen from the communication unit 320 to the credit card payment system 40 (step S206). The payment acceptance unit 432 of the credit card payment system 40 accepts credit card payment by contact payment or magnetic payment based on the credit card information received by the communication unit 410 from the user terminal 30 and the target information and amount information received from the user terminal 30 when the two-dimensional barcode is read (step S207).

[0078] (3) Processing flow from authorization request to payment completion The process flow from authorization request to payment completion will be described with reference to Fig. 10. As shown in Fig. 10, first, the authorization request unit 433 of the credit card payment system 40 generates authorization information based on the credit card information for contactless payment or magnetic stripe payment accepted by the payment acceptance unit 432 (step S301). The authorization request unit 433 transmits the generated authorization information from the communication unit 410 to the acquirer system 50 to request authorization (step S302).

[0079] The authorization processing unit 531 of the acquirer system 50 performs authorization determination based on the authorization information received by the communication unit 510 from the credit card payment system 40 (step S303). After the determination, the authorization processing unit 531 transmits the authorization determination result (authorization result) from the communication unit 510 to the credit card payment system 40 (step S304).

[0080] The payment processing unit 434 of the credit card payment system 40 transmits the authorization result (payment result) of user U's credit card, which the communication unit 410 receives from the acquirer system 50, from the communication unit 410 to the payment terminal 20 and the user terminal 30 (step S305).

[0081] The output processing unit 355 of the user terminal 30 displays on the output unit 360 a screen showing the payment result received by the communication unit 320 from the credit card payment system 40 (step S306). The output processing unit 243 of the payment terminal 20 causes the output unit 250 to display a screen showing the payment result received by the communication unit 220 from the credit card payment system 40 (step S307). Furthermore, the output processing unit 243 of the payment terminal 20 communicates the payment result from the communication unit 220 to the settlement machine 10 (step S308).

[0082] If the payment processing unit 142 of the settlement machine 10 can confirm that the payment has been completed based on the payment result received by the communication unit 120 from the payment terminal 20, it executes the settlement process in the settlement machine 10 (step S309). Note that if the payment has not been completed, the payment processing unit 142 may cause the output unit 150 to display information indicating that the payment has not been completed. When the payment processing by the payment processing unit 142 has been completed normally, the gate control unit 143 of the payment machine 10 opens the gate of the parking lot (step S310).

[0083] The processing flow according to this embodiment has been described above. As described above, the payment system 1 of this embodiment comprises a payment method acceptance unit 241 that presents contact payment, contactless payment, and magnetic payment as payment method options and accepts the selection of the payment method from the user U when the user U makes a credit card payment at a settlement machine 10 (unmanned service machine) equipped with a payment terminal 20 that supports only contactless payment, a code generation unit 242 that generates a two-dimensional barcode for accessing a payment site for making payment by contact payment or magnetic payment when the user U selects contact payment or magnetic payment as the payment method, and an output processing unit 243 that displays the generated two-dimensional barcode on the payment terminal 20.

[0084] With this configuration, even if the payment machine 10 is equipped with a payment terminal 20 that supports only contactless payment, the user U can make a credit card payment using contactless payment or magnetic payment by reading the two-dimensional barcode displayed on the payment terminal 20 with the user's own user terminal 30 and accessing the payment site. As a result, even if a rule is established requiring that all payment methods, including contactless payment, contactless payment, and magnetic payment, be available for credit card payments, the installer of the payment machine 10 can accommodate this by using a cheaper payment terminal 20 that supports only contactless payment, rather than using a payment terminal that supports all payment methods. Therefore, the payment system 1 according to this embodiment makes it possible to reduce the cost of introducing a payment terminal capable of accepting credit card payments in an unmanned service machine.

[0085] <9. Variations> The above describes the embodiment. Next, modifications of the embodiment will be described. The modifications described below may be applied to the embodiment alone or in combination with the embodiment. Furthermore, the modifications may be applied in place of the configuration described in the embodiment, or may be applied in addition to the configuration described in the embodiment.

[0086] In the above-described embodiment, an example has been described in which the service received by the user U is a parking lot provision service and the unmanned service machine is the payment machine 10 installed in the parking lot, but the present invention is not limited to such an example. For example, the service received by the user U may be EV (Electric Vehicle) charging, and the unmanned service machine may be a payment machine installed in a parking lot for EV charging.

[0087] In the above-described embodiment, the unmanned service machine is a device for simply paying the fee for the service received by the user U, specifically, an example has been described in which the unmanned service machine is an adjustment machine 10 installed in a parking lot for a parking lot provision service, but is not limited to such an example. For example, the unmanned service machine may be a device for the user U to pay the fee for the service received from the unmanned service machine. Examples of the unmanned service machine in this case include a ticket vending machine that provides tickets and a vending machine that provides drinks.

[0088] Furthermore, in the above-described embodiment, an example has been described in which the payment terminal 20 is communicatively connected to the credit card payment system 40 via the network NW, and information received from the credit card payment system 40 is linked to the settlement machine 10, but this is not limiting. For example, the settlement machine 10 may be communicatively connected to the credit card payment system 40 via the network NW, and receive information from the credit card payment system 40 without going through the payment terminal 20.

[0089] The above describes the modified examples of the embodiment. Note that some or all of the functions of the payment system 1, settlement machine 10, payment terminal 20, user terminal 30, credit card payment system 40, and acquirer system 50 in the above-described embodiments may be implemented by a computer. In this case, a program for implementing the functions may be recorded on a computer-readable recording medium, and the program recorded on the recording medium may be loaded into a computer system and executed. Note that the term "computer system" here includes hardware such as an OS and peripheral devices. Furthermore, the term "computer-readable recording medium" refers to portable media such as flexible disks, optical magnetic disks, ROMs, and CD-ROMs, as well as storage devices such as hard disks built into a computer system. Furthermore, "computer-readable recording medium" may also include something that dynamically stores a program for a short period of time, such as a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line, or something that stores a program for a certain period of time, such as volatile memory within a computer system that serves as a server or client in that case. Furthermore, the above program may be one that realizes part of the above-mentioned functions, or may be one that can realize the above-mentioned functions in combination with a program already recorded in a computer system, or may be one that is realized using a programmable logic device such as an FPGA (Field Programmable Gate Array).

[0090] The embodiments of the present invention have been described in detail above with reference to the drawings, but the specific configuration is not limited to that described above, and various design changes and the like are possible within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0091] 1...payment system, 10...payment machine, 20...payment terminal, 30...user terminal, 40...credit card payment system, 50...acquirer system, 110...input unit, 120...communication unit, 130...storage unit, 140...control unit, 141...payment operation reception unit, 142...payment processing unit, 143...gate control unit, 144...output processing unit, 150...output unit, 210...input unit, 220...communication unit, 230...storage unit, 240...control unit, 241...payment method reception unit, 242...code generation unit, 243...output processing unit, 250... Output unit, 310...input unit, 320...communication unit, 330...photographing unit, 340...storage unit, 350...control unit, 351...operation reception unit, 352...reading processing unit, 353...access processing unit, 354...information linkage unit, 355...output processing unit, 360...output unit, 410...communication unit, 420...storage unit, 430...control unit, 431...payment screen processing unit, 432...payment reception unit, 433...authorization request unit, 434...payment processing unit, 510...communication unit, 520...storage unit, 530...control unit, 531...authorization processing unit, NW...network

Claims

1. a payment method accepting unit that, when a user makes a payment by credit card at an unmanned service machine equipped with a payment terminal that supports only contactless payment, presents contact payment, contactless payment, and magnetic payment as payment method options and accepts the user's selection of the payment method; a code generation unit that generates a two-dimensional barcode for accessing a payment site for making the payment by the contactless payment or the magnetic payment when the contactless payment or the magnetic payment is selected as the payment method by the user; an output processing unit that displays the generated two-dimensional barcode on the payment terminal; A payment system comprising:

2. the code generation unit generates the two-dimensional barcode including target information indicating the target of the payment, amount information indicating the amount of the payment, and connection information to the payment site. The payment system according to claim 1 .

3. a payment screen processing unit that displays a credit card payment screen on the user terminal of the user who reads the two-dimensional barcode and accesses the payment site; a payment acceptance unit that accepts the credit card payment by the contactless payment or the magnetic payment based on the credit card information input by the user on the credit card payment screen and the target information and the amount information received from the user terminal when the two-dimensional barcode is read; The payment system of claim 2 further comprising:

4. a payment processing unit that transmits a payment result of the contactless payment or the magnetic stripe payment to the payment terminal and the user terminal; Furthermore, The payment terminal communicates the received payment result to the unmanned service machine. The payment system according to claim 3 .

5. The unmanned service machine is a payment machine installed in a parking lot. The payment system according to claim 1 .

6. a payment method acceptance process for presenting contact payment, contactless payment, and magnetic stripe payment as payment method options and accepting a selection of the payment method from the user when the user makes a credit card payment at an unmanned service machine equipped with a payment terminal that supports only contactless payment; a code generation process for generating a two-dimensional barcode for accessing a payment site for making the payment by the contactless payment or the magnetic payment when the contactless payment or the magnetic payment is selected as the payment method by the user; an output process step of displaying the generated two-dimensional barcode on the payment terminal; 1. A computer-implemented payment method comprising:

7. Computer, a payment method accepting means for presenting contact payment, contactless payment, and magnetic stripe payment as payment method options and accepting a selection of the payment method from the user when the user makes a credit card payment at an unmanned service machine equipped with a payment terminal that supports only contactless payment; a code generating means for generating a two-dimensional barcode for accessing a payment site for making the payment by the contactless payment or the magnetic payment when the contactless payment or the magnetic payment is selected as the payment method by the user; an output processing means for displaying the generated two-dimensional barcode on the payment terminal; A program to function as a

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