Payment system, payment method, and application program
Patent Information
- Application Number
- JP2022196310
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- Filing Date
- 2022-12-08
- Publication Date
- 2025-10-31
AI Technical Summary
Conventional electronic payment systems require short-range wireless communication, making them unsuitable for current electronic payments at physical stores.
A payment system and method that includes a user terminal device with an application program and a payment service providing device, allowing electronic payments and tip remittances to member stores through a payment server, which processes transactions and remits rewards asynchronously with user inputs.
Enables suitable electronic payment and tip remittance at physical stores, supporting various payment methods and ensuring seamless processing for member stores, including those that do not accept tips, with user-friendly interfaces.
Smart Images
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Abstract
Description
[Technical Field]
[0001] The present invention relates to a payment system, a payment method, a payment service providing device, a program, and an application program. [Background technology]
[0002] A conventional invention has been disclosed in which a first terminal carried by a tip recipient outputs the recipient's recipient identification information to a second terminal of the tip recipient located within a predetermined distance, obtains from the second terminal the payer identification information of the tip payer and tip amount information indicating the tip amount, performs a charging process for electronic money equivalent to the tip amount to an account corresponding to the first payment means specified in the payer identification information, and performs a transfer process for electronic money equivalent to the tip amount to an account corresponding to the second payment means specified in the recipient identification information. [Prior art documents] [Patent documents]
[0003] [Patent Document 1] Patent Publication No. 2021-174162 Summary of the Invention [Problem to be solved by the invention]
[0004] Conventional technology requires short-range wireless communication between terminals, making it difficult to apply to current electronic payments.
[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide a payment system, payment method, payment service providing device, program, and application program that enable the payment of reward money (tips) to be made conveniently within the flow of electronic payments at physical stores. [Means for solving the problem]
[0006] One aspect of the present invention is a payment system comprising an application program running on a user terminal device and a payment service providing device that cooperates with the application program to allow a user to make an electronic payment at a physical store belonging to an affiliated store, wherein the application program causes the user terminal device to accept a remittance instruction for a reward to the affiliated store related to the electronic payment in conjunction with accepting the operation for the electronic payment performed by the user, and the payment service providing device has a payment processing unit that performs processing for the electronic payment based on payment information obtained from the user terminal device, and a remittance processing unit that performs processing to remit the reward from the user's account to the affiliated store's account in accordance with the content of the remittance instruction accepted by the application program. [Effects of the Invention]
[0007] According to one aspect of the present invention, it is possible to provide a payment system, a payment method, a payment service providing device, a program, and an application program that enable the payment of reward money to be made conveniently within the flow of electronic payments at physical stores. [Brief explanation of the drawings]
[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] FIG. 1 is a diagram illustrating an example of the general flow of electronic payment. [Figure 3] FIG. 2 is a configuration diagram of a payment server 100. [Figure 4] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 5] FIG. 10 is a diagram showing an example of the contents of tip payment settings 172A. [Figure 6] FIG. 10 is a diagram showing an example of the contents of store information 174. [Figure 7] FIG. 10 is a sequence diagram showing an example of a processing flow including the payment of a tip when settlement according to Pattern 1 is performed. [Figure 8]FIG. 10 is a diagram showing an example of a payment completion notification screen IM1 that is displayed when the store's tip acceptance setting information is set to "acceptable" in S8 of FIG. 7. [Figure 9] FIG. 10 is a diagram showing an example of a payment completion notification screen IM2 that is displayed when the store's tip acceptance setting information is set to "rejected" in S8 of FIG. 7. [Figure 10] FIG. 10 is a sequence diagram showing an example of a processing flow including the payment of a tip when settlement according to pattern 2 is performed. [Figure 11] FIG. 10 is a diagram showing an example of a reception screen IM3 for receiving a tip remittance instruction. DETAILED DESCRIPTION OF THE INVENTION
[0009] The following describes the payment system, payment method, payment service providing device, program, and application program of the present invention with reference to the drawings. The payment system includes a payment service providing device and an application program. The payment service providing device is realized by one or more processors. The payment service providing device is a device that provides services such as electronic payment services. In the following description, the payment service providing device will be referred to as the "payment server." Electronic payment services are services that support payments related to the purchase of goods and services at stores. A store is a physical store (real store) that exists in real space. The application program runs on a user terminal device. The application program communicates with the payment service providing device to obtain user balance information, etc., and functions as an interface when the user makes an electronic payment. In the following description, the application program will be referred to as the "payment app."
[0010] [Electronic payment service] Figure 1 shows an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10 and one or more store terminal devices 50 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.
[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, the components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment application 20 controls the camera, communication device, touch panel, etc.
[0012] The store terminal device 50 is installed, for example, in a store. The store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store terminal device 50 may include a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may also be displayed on a display placed in the store.
[0013] The payment server 100 performs electronic payment based on payment information received from the user terminal device 10 or the store terminal device 50. The payment server 100 performs electronic payment, for example, by increasing or decreasing the charge balance managed in association with the user ID (in other words, by depositing or withdrawing electronic money). Electronic payment may include methods such as revolving payment or credit payment that allow purchases of a larger amount than the charge balance at the time of purchase.
[0014] FIG. 2 illustrates an example of the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2. In Pattern 1, first, the payment app 20 is launched on the user terminal device 10, which displays a code image such as a QR code or barcode. The user holds (presents) the display surface of the user terminal device 10 over the store terminal device 50. The store terminal device 50 decodes the code image using its optical reading function and acquires information that can identify the account ID (details will be described later). The store terminal device 50 then generates payment information including information that can identify the account ID, the payment amount, the store ID, etc., and transmits it to the payment server 100. The payment amount information has been acquired in advance by reading a barcode, manually entering it, or the like. Based on the received information, the payment server 100 transfers the payment amount from the user's electronic payment account to the store's electronic payment account, thereby completing the payment process.
[0015] In pattern 2, the user terminal device 10, with the payment app 20 running, decodes the store code image 60 using its optical reading function. The store code image 60 contains information such as the store name. The user enters the payment amount into the user terminal device 10 on the screen displaying the store name, etc. The user terminal device 10 then generates payment information including the account ID, payment amount, store ID, etc., and transmits it to the payment server 100. The payment server 100 performs payment processing based on the received information. Note that electronic payment may be performed only in one of the above patterns. The "account ID" described in Figure 2 may also be other information (e.g., a phone number) that can be used as user identification information.
[0016] [Payment server] FIG. 3 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, a remittance processing unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (hard disk drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.
[0017] The storage unit 170 is a hard disk drive (HDD), a flash memory, a random access memory (RAM), etc. The storage unit 170 may be a network attached storage (NAS) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, store information 174, and payment content information 176.
[0018] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.
[0019] The payment content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 120 reads out necessary content from the payment content information 176 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. Note that the content based on the payment content information 176 includes content provided in a logged-in state and content provided in a non-logged-in state. In the content provided in a non-logged-in state, the payment server 100 provides various guidance information and accepts requests for new registration and phone number change.
[0020] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.
[0021] FIG. 4 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. For example, user information 172 associates information such as an account ID (which may be omitted) with the minimum phone number and password required for new registration, as well as an email address, user ID, name, address, date of birth, registration date, charge balance, tip payment setting 172A, bank account, credit card number, charge history information, and payment history information. Information other than the phone number, password, registration date, charge balance, charge history information, and payment history information is optional information. Hereinafter, a user instance (electronic payment account) associated with this information will be referred to as an account. The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created).
[0022] The charge balance is information indicating the balance of electronic money that has been set by the user by transferring money to the account in advance. Methods of transfer include transfer from an ATM (Automatic Teller Machine) of a designated service provider (bank) or transfer from a registered bank account. Tip payment settings 172A will be explained with reference to a separate figure. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit money into the electronic payment service. Charge history information is a history of the user transferring money to the electronic payment service in advance to increase the charge balance. Payment history information is information indicating the details of payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, etc.) for each payment.
[0023] FIG. 5 is a diagram showing an example of the contents of tip payment settings 172A. Tip payment settings 172A are an example of "reward money remittance settings." Tip payment settings 172A include, for example, information specifying tip recipients and information specifying tip exclusion recipients. Information specifying tip recipients includes, for example, information specifying store categories, information specifying stores that meet generalized conditions, and information directly specifying stores. Store categories will be described later. The desired condition is, for example, information about stores that have been used "a certain number of times within the past year." The "within the past year" and "a certain number of times" parts may be selectable by the user. These conditions may be treated as AND conditions or OR conditions.
[0024] Similarly, information specifying exempted stores for tipping also includes information specifying store categories and information specifying stores that meet generalized conditions. These conditions may be treated as AND conditions or OR conditions. For example, a user who does not want to pay tips at drugstores or convenience stores can specify those categories as exempt stores for tipping. Note that tipping setting 172A may include only information specifying exempt stores for tipping.
[0025] Tip payment setting 172A is information set by the user on an interface screen provided by payment application 20 asynchronously with the electronic payment (although it is not excluded that it may be set just before or just after the electronic payment).
[0026] Information about stores is managed as store information 174. FIG. 6 is a diagram showing an example of the contents of store information 174. As shown in the upper diagram of FIG. 6, store information 174 associates information such as a store URL (Uniform Resource Locator), store category, location, and payment pattern with a store ID, for example. Store category may be one-level information, or may be information having a hierarchical structure of two or more levels. For example, information such as "Japanese cuisine," "restaurant," or "eatery" may be assigned as a superordinate concept of "sushi" shown in the figure. Locations may be represented by a hierarchical code image such as the JIS code. Payment pattern is information indicating whether payment is possible using pattern 1 or pattern 2 described above.
[0027] As shown in the lower diagram of Figure 6, store information 174 may also include information indicating the relationship between affiliated stores and stores. Stores that use electronic payment services belong to one of the affiliated stores (brands). Store information 174 associates one or more store IDs, tip acceptance setting information, wallet information, etc. with an affiliated store ID. In the figure, only one store ID is associated with the affiliated store indicated by the affiliated store ID B002, indicating that there is only one store that makes up the affiliated store.
[0028] The tip acceptance setting information indicates whether the affiliated store accepts reward money (hereinafter referred to as tips) from users. The tip remittance process will be described in detail later. The tip acceptance setting information is, for example, obtained in advance via an interface provided to the operator of the affiliated store. The tip acceptance setting information may be accepted collectively for each affiliated store, or depending on the affiliated store, the acceptance or rejection may be set differently for each store. The wallet information is information on the payment balance and remittance balance associated with the store. The wallet information may also have a list for each store ID. The payment balance indicates the balance of the amount paid to the store through the payment process, and the remittance balance indicates the balance of the amount remitted to the store through the remittance process, including the payment of the tip.
[0029] The remittance processing unit 140 realizes the payment of tips from the user to the affiliated store, which is associated with electronic payment. The remittance processing unit 140 performs processing to remit tips from the user's account (the charge balance in the user information 172) to the affiliated store's account (the remittance balance in the wallet information in the store information 174) in accordance with the contents of the remittance instruction accepted by the payment application 20.
[0030] [Processing flow] FIG. 7 is a sequence diagram showing an example of the process flow including tip payment when a payment is made according to Pattern 1. It is assumed that the tip payment setting 172A has already been set up when the process in this diagram begins. First, the user operates the user terminal 10 to launch the payment application 20 (S1). Concurrently, the store terminal 50 acquires the payment amount by reading a barcode or manually entering the amount (S2). The payment application 20 transmits a payment request to the payment server 100 in response to the user's payment operation or its own automatic update (S3). In response, the payment server 100 transmits a one-time code to the user terminal 10 (S4). The payment application 20 displays a code image (second code image) based on the one-time code on the user terminal 10. The user holds this code image over the store terminal 50 (S5).
[0031] The store terminal device 50 decodes the code image, generates payment information including the one-time code, the payment amount, and the store ID (S6), and transmits the payment information to the payment server 100 (S7).
[0032] In the payment server 100, the payment processing unit 130 acquires the account ID from the one-time code and performs the payment process (S8). When the payment process is completed, the process proceeds to the tip remittance process, but if the payment process fails due to insufficient balance or other reasons, the tip to be remitted is discarded.
[0033] When the payment process is completed, the remittance processing unit 140 refers to the store information 174 and checks whether the tip acceptance setting information of the affiliated store ID (store ID if set for each store) corresponding to the store associated with the store ID is set to "acceptable" (S9). If the tip acceptance setting information is set to "acceptable", the remittance processing unit 140 refers to the tip payment setting 172A and determines whether the store associated with the store ID is eligible for tip payment (S10). If the store is eligible for tip payment, the remittance processing unit 140 transfers the amount equivalent to the tip from the charge balance of the user associated with the account ID to the remittance balance in the store wallet information of the store associated with the store ID (S11).
[0034] Then, a payment completion notification is sent from the payment server 100 to the user terminal device 10 (S12). In response, the user terminal device 10 displays a payment completion notification screen. FIG. 8 is a diagram showing an example of a payment completion notification screen IM1 displayed when the tip acceptance setting information of the affiliated store or shop is set to "acceptable" in S8. The payment completion notification screen IM1 includes, for example, an area A1 displaying information about the store where the payment was made, an area A2 displaying the payment amount, etc., an area A3 displaying points awarded to the user as a result of the payment, and an area A4 displaying the tip payment result. Area A4 of the payment completion notification screen IM1 displays information indicating that the tip payment has been completed. FIG. 9 is a diagram showing an example of a payment completion notification screen IM2 displayed when the tip acceptance setting information of the affiliated store or shop is set to "not accepted" in S8. Area A4 of the payment completion notification screen IM2 displays information indicating that the tip payment was not realized (the tip was not accepted). In addition, if the store associated with the store ID is not eligible for tip payment, it is assumed that the user is aware that this is not the case, so information regarding tipping may not be displayed on the payment completion notification screen.
[0035] In this way, in Pattern 1, by accepting input operations related to tip payment asynchronously with electronic payment, tip payment can be conveniently performed within the flow of electronic payment at a physical store. Also, within the flow of a series of processes, processing related to affiliated stores or stores that do not accept tips can be performed seamlessly.
[0036] FIG. 10 is a sequence diagram showing an example of the processing flow including the payment of a tip when a payment according to Pattern 2 is made. First, the user operates the user terminal device 10 to launch the payment application 20 (S21). Next, the user uses the user terminal device 10 to capture an image of the store's code and acquire the encoded information (S22). The payment application 20 acquires the store URL obtained by decoding the store's code image (S23). Next, the store URL is an example of "store-related information." The user then inputs the electronic payment amount and information regarding instructions to send a tip into the payment application 20 (S24).
[0037] FIG. 11 shows an example of a reception screen IM3 for receiving a tip transfer instruction. The reception screen IM3 includes, for example, an area A11 displaying store information and the payment amount entered by the user, an area A12 displaying the user's remaining balance, switches S1 and S2 for specifying the tip percentage relative to the payment amount, a slide switch S3 for specifying whether to pay a tip, a button B1 for confirming the payment after the payment amount and tip have been confirmed, and a key K1 for inputting the payment amount. The user can toggle whether to pay a tip in the electronic payment by sliding the slide switch S3 left or right. Alternatively, the user may toggle whether to pay a tip by tapping or other predetermined operation. The tip amount may be directly entered using the key K1 instead of being specified as a percentage of the payment amount. The tip amount may be set to a fixed amount regardless of the payment amount, or may be uniformly determined as a certain percentage of the payment amount.
[0038] If the state of the slide switch S3 is "pay a tip," the payment application 20 sends a tip acceptance inquiry, including the store ID, to the payment server 100 (S25).
[0039] The remittance processing unit 140 of the payment server 100 refers to the store information 174, and checks whether the tip acceptance setting information of the affiliated store ID (store ID if set for each store) corresponding to the store related to the store ID is set to "acceptable" (S26), and sends information in response to the check result to the payment application 20 (S27). If the check result is "not accepted", the payment application 20 displays information indicating that the tip payment was not realized (the tip was not accepted) on the user terminal device 10.
[0040] If the answer to the question about whether or not tip acceptance is possible is "yes," the payment application 20 generates payment information including the account ID, payment amount, tip amount, and store ID; otherwise, it generates payment information including the account ID, payment amount, and store ID (S28) and sends the payment information to the payment server 100 (S29).
[0041] In the payment server 100, the payment processing unit 130 performs payment processing (S30), and if the payment information includes the amount of a tip, the remittance processing unit 140 transfers the amount equivalent to the tip from the charge balance of the user associated with the account ID to the remittance balance in the store wallet information of the store associated with the store ID (S31).Then, a payment completion notice is sent from the payment server 100 to the payment application 20 (S32).
[0042] In this way, in Pattern 2, by accepting input operations related to tip payment after scanning the store's code image, tip payment can be conveniently performed within the flow of electronic payment at a physical store. Also, within the flow of the process, processing related to affiliated stores or stores that do not accept tips can be performed seamlessly.
[0043] In the above embodiment, whether or not tips can be accepted is set for each member store (or each store), but this may be omitted and all stores may accept tips.
[0044] [Transferring the amount equivalent to tips to employees] The remittance processing unit 140 may perform a process of transferring the amount paid to the affiliated store as a tip to the employee's personal account. This process is performed asynchronously with the electronic payment or tip payment, for example, once a month or once a week. In response to a request from the affiliated store or store, the remittance processing unit 140 performs a process of transferring money from the remittance balance in the store wallet information in the store information 174 to the charge balance in the employee's user information 172. The remittance processing unit 140 may perform the remittance process automatically according to a rule such as "transfer a predetermined percentage of the increase in the remittance balance due to tips for the current month to the employee's personal account."
[0045] According to the embodiment described above, the payment of the reward (tip) can be suitably carried out in the flow of electronic payment at a physical store.
[0046] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]
[0047] 10 User terminal device 20. Payment App 50 Store terminal equipment 60 Store Code Image 100 Payment Server 110 Communications Department 120 Payment Contents Department 130 Payment processing unit 140 Remittance Processing Unit 170 Storage section 172 User information 174 Store Information 176 Payment Content Information
Claims
1. an application program that runs on a user terminal device; a payment service providing device that cooperates with the application program to allow a user to make an electronic payment at a physical store belonging to an affiliated store; A payment system comprising: The application program is installed in the user terminal device. In conjunction with accepting an operation for the electronic payment performed by the user, an instruction to remit a reward to the affiliated store related to the electronic payment is accepted; The payment service providing device a payment processing unit that processes the electronic payment based on payment information acquired from the user terminal device; a remittance processing unit that performs processing to remit the reward money from the user's account to the affiliated store's account as the payment processing unit has performed processing for the electronic payment; and a content providing unit that, when the electronic payment is completed, displays a screen indicating the completion of the electronic payment, including information indicating that the reward money has been remitted, on a display unit of the user terminal device. Payment system.
2. The content providing unit displaying on the display unit a screen indicating completion of the electronic payment, including information indicating that the reward money has been remitted and the amount of the reward money; The payment system according to claim 1 .
3. The content providing unit displaying on the display unit a screen indicating completion of the electronic payment, which screen includes information indicating that the reward money has been remitted, the amount of the reward money, the name of the store where the electronic payment was made, and the amount of the electronic payment; The payment system according to claim 1 .
4. The content providing unit When the electronic payment is completed and the affiliated store that made the electronic payment is the affiliated store that will receive the reward money, a screen indicating the completion of the electronic payment is displayed on the display unit, the screen including information indicating that the reward money has been transferred and the amount of the reward money. The payment system according to claim 1 .
5. The content providing unit When the electronic payment is completed and the affiliated store that made the electronic payment is not a member store that will receive the reward money, a screen indicating the completion of the electronic payment, which does not include information indicating that the reward money has been transferred and the amount of the reward money, is displayed on the display unit. The payment system according to claim 1 .
6. The content providing unit When the electronic payment is completed and the affiliated store that made the electronic payment is not a member store that will receive the reward money, a screen indicating the completion of the electronic payment including information indicating that the reward money has not been remitted is displayed on the display unit. The payment system according to claim 1 .
7. The application program is installed in the user terminal device. After scanning the first code image presented by the physical store to acquire store-related information, the system accepts input of a payment amount by the user and input of the remittance instruction by the user; transmitting the store-related information, the payment amount, and the contents of the remittance instruction to the payment service providing device; the payment processing unit of the payment service providing device performs processing for the electronic payment based on the payment information acquired from the user terminal device, the remittance processing unit of the payment service providing device performs processing to remit the reward money from the account of the user to the account of the affiliated store in accordance with the content of the remittance instruction acquired from the user terminal device; The payment system according to claim 1.
8. The remittance processing unit stores setting information in a storage unit, the setting information indicating whether or not the reward money is to be received for each of the plurality of member stores; The application program is installed in the user terminal device. After scanning the first code image presented by the physical store to acquire the store-related information, the payment service providing device communicates with the physical store to acquire the setting information of the affiliated store related to the store-related information; When accepting the input of the remittance instruction by the user, if the affiliated store related to the store-related information is set to not accept the reward money, display information indicating that the reward money cannot be accepted. The payment system according to claim 7.
9. the application program displays an interface screen on the user terminal device that allows the user to select whether or not to instruct the remittance of the reward money through a predetermined operation, and accepts input of the remittance instruction by the user based on the operation performed on the interface screen; The payment system according to claim 1 .
10. the interface screen accepts an operation to specify a ratio of the reward to a payment amount; The payment system according to claim 9.
11. an application program that runs on a user terminal device; a payment service providing device that cooperates with the application program to allow a user to make an electronic payment at a physical store belonging to a member store, The application program is installed on the user terminal device. In conjunction with accepting an operation for the electronic payment performed by the user, an instruction to remit a reward to the affiliated store related to the electronic payment is accepted; The payment service providing device, performing processing for the electronic payment based on the payment information acquired from the user terminal device; In conjunction with the processing for the electronic payment, a process is performed to transfer the reward money from the user's account to the affiliated store's account; When the electronic payment is completed, a screen indicating the completion of the electronic payment, including information indicating that the reward money has been remitted, is displayed on the display unit of the user terminal device. Payment method.
12. The user terminal device Accepting instructions to remit a reward to the affiliated store related to the electronic payment in conjunction with accepting an operation for electronic payment performed by the user at a physical store belonging to the affiliated store; a payment service providing device, after performing processing for the electronic payment based on the payment information acquired from the user terminal device, performs processing for transferring the reward money from the user's account to the affiliated store's account, and when the electronic payment is completed, displays a screen indicating the completion of the electronic payment, including information indicating that the reward money has been transferred, on a display unit of the user terminal device; Payment method.
13. To the user terminal device, Accepting instructions to remit a reward to the affiliated store related to the electronic payment in conjunction with accepting an operation for electronic payment performed by the user at a physical store belonging to the affiliated store; a payment service providing device, after performing processing for the electronic payment based on the payment information acquired from the user terminal device, performs processing for transferring the reward money from the user's account to the affiliated store's account, and when the electronic payment is completed, displays a screen indicating the completion of the electronic payment, including information indicating that the reward money has been transferred, on a display unit of the user terminal device; Application program.