Information processor, information processing method, and program
Patent Information
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- PAYPAY CO LTD
- Filing Date
- 2023-10-11
- Publication Date
- 2026-06-17
AI Technical Summary
Conventional electronic payment systems do not allow users to withdraw cash separately from the price of a product, causing inconvenience during purchases at stores.
An information processing device capable of communicating with user and store terminal devices to facilitate separate cash withdrawals by integrating a payment and withdrawal process, allowing users to withdraw cash while making electronic payments.
Enables users to conveniently withdraw cash during electronic payments, improving convenience and reducing transaction fees compared to traditional banking methods.
Smart Images
Figure 00000000_0000_ABST
Abstract
Description
[Technical field]
[0001] The present invention relates to an information processing device, an information processing method, and a program. [Background technology]
[0002] Conventionally, electronic payment services using user terminals owned by users are known. For example, Patent Document 1 proposes an electronic payment system that executes electronic payment by displaying code information such as a barcode or QR code (registered trademark) on a user terminal and having a payment terminal installed in a store read the code information. [Prior art documents] [Patent documents]
[0003] [Patent Document 1] JP 2022-157339 A Summary of the Invention [Problem to be solved by the invention]
[0004] However, with the electronic payment system described in Patent Document 1, when purchasing goods at a store such as a convenience store or supermarket, it is not possible to withdraw cash from the electronic payment system separately from the price of the goods, which can be inconvenient for users.
[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, an information processing method, and a program that enable users to withdraw cash in addition to the price of goods when purchasing goods at a store using electronic payment, thereby improving user convenience. [Means for solving the problem]
[0006] One aspect of the present invention is an information processing device capable of communicating with a user terminal device owned by a user and a store terminal device installed in a store that sells goods, and comprises an acquisition unit that acquires from the user terminal device or the store terminal device payment information including the payment amount for the goods that the user wishes to purchase using an electronic payment service and withdrawal information including the amount that the user wishes to withdraw from the electronic payment service, and a payment processing unit that performs payment processing for the goods based on the payment information and performs withdrawal processing to withdraw the user's cash from the electronic payment service based on the withdrawal information. Effect of the Invention
[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that enable users to withdraw cash in addition to the price of a product when purchasing a product at a store using electronic payment, thereby improving convenience for users. [Brief description of the drawings]
[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] 1 is a configuration diagram of a payment server 100 according to a first embodiment. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 1 is a diagram showing an outline of a cash withdrawal process. [Figure 8] FIG. 11 is a sequence diagram showing the flow of a cash withdrawal process when a user scans. [Figure 9] FIG. 11 is a sequence diagram showing the flow of a cash withdrawal process during store scanning. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
[0009] An information processing device, an information processing method, and a program according to the present invention will be described below with reference to the drawings. The information processing device is realized by one or more processors. In the following description, the information processing device provides an electronic payment service and is described as a "payment server". The electronic payment service is a service that supports payments related to the purchase of products and services at a store. A store is, for example, a physical store (real store) that exists in real space. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.
[0010] [Electronic payment service] Fig. 1 is a diagram showing 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 200, one or more first store terminal devices 50, and one or more second store terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.
[0011] The user terminal device 200 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 200 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, 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 200, a processor such as a CPU executes a payment application 20, thereby operating to provide an electronic payment service to a user in cooperation with the payment server 100. The payment application 20 is installed in the user terminal device 200 from, for example, an application store, and controls the camera, communication device, touch panel, etc.
[0012] The first store terminal device 50 is installed, for example, in a store. The first 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 first store terminal device 50 includes 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 be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).
[0013] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading a code image displayed by the user terminal device 200 by executing the app for affiliated stores.
[0014] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 200 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.
[0015] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.
[0016] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 200 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 200 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 200 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.
[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code (registered trademark) or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 200 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).
[0018] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.
[0019] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, an acquisition unit 150, a point granting unit 160, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.
[0020] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and affiliated store / shop information 176.
[0021] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.
[0022] The payment content providing unit 120 has, for example, a function of a Web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 200. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 200. The user terminal device 200 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.
[0023] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 200 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.
[0024] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a post-payment setting, a post-payment limit, a post-payment usage amount, a post-payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information, and points. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.
[0025] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user transferring funds to the electronic payment service in advance to increase the charge balance. The payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.). Points are a value that is earned each time an electronic payment is made using the payment application 20, and can be used as electronic money in the electronic payment service.
[0026] The point allocating unit 160 allocates points that can be used as electronic money in electronic payment services to the user according to the payment amount. For example, when an electronic payment is completed, the point allocating unit 160 may add points equivalent to 1% of the payment amount to the point item value in the user information 172.
[0027] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns.
[0028] The information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on information acquired from the user terminal device 200 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 172 and the affiliated store / store information 176.
[0029] [Electronic payment] When payment information is acquired from the user terminal device 200 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.
[0030] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company that is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used for deferred payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the deferred payment available amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above. In addition, if the payment amount exceeds the deferred payment available amount at the time of provisional payment, an error notification is returned to the payment application 20.
[0031] [Cash withdrawal process] Fig. 7 is a diagram showing an overview of the cash withdrawal process. The cash withdrawal process is a process for withdrawing cash from the charge balance when purchasing a product at a store. Using Fig. 7, an example of purchasing a 200 yen product and withdrawing 1000 yen in cash will be explained separately for the cases of user scan and store scan.
[0032] First, the case of user scanning will be described. When a user wishes to purchase a 200 yen item (S21), the user adds a 1000 yen cash withdrawal amount at the store (S22). Specifically, the user inputs the 1000 yen cash withdrawal amount into the payment application 20 when purchasing the item at the store. The electronic payment company subtracts 1200 yen, which is the total of the purchase price of the item (200 yen) and the cash withdrawal amount (1000 yen), from the user's charge balance (S23). The user then receives the 1000 yen cash together with the item from the store staff (S24). This allows the user to withdraw cash from the charge balance when purchasing the item at the store.
[0033] Next, the case of store scan will be described. When a user wishes to purchase a 200 yen item (S21), the user adds a cash withdrawal amount of 1000 yen at the store (S22). Specifically, the user inputs the cash withdrawal amount of 1000 yen into the payment application 20 when purchasing the item at the store. The payment application 20 causes the display unit of the user terminal device 200 to display code information (such as a barcode) that encodes information including the input cash withdrawal amount. The store staff reads and decodes the code information displayed on the display unit of the user terminal device 200 using the optical reading function of the first store terminal device 50. This allows the store staff to input 1000 yen as the cash withdrawal amount into the first store terminal device 50. Note that the method of inputting the cash withdrawal amount into the first store terminal device 50 is not limited to this. For example, the user may tell the store staff that he / she wishes to withdraw 1000 yen, and the store staff may input 1000 yen as the cash withdrawal amount into the first store terminal device 50. Next, the electronic payment company deducts 1,200 yen, the total of the purchase price of the product (200 yen) and the cash withdrawal amount (1,000 yen), from the user's charge balance (S23). The user then receives the product and 1,000 yen in cash from the store staff (S24). This allows the user to withdraw cash from the charge balance when purchasing products at the store.
[0034] Although a user must pay a payment fee to an electronic payment service provider when using an electronic payment service, no fee is charged for cash withdrawal processing. Therefore, the payment processing unit 130 of the payment server 100 calculates the payment fee based on the payment amount, but does not calculate the payment fee based on the withdrawal amount. This makes it possible to prevent the user from being charged a fee for cash withdrawal processing.
[0035] For example, when withdrawing cash from a bank ATM, the user must pay a fee (e.g., 200 yen). On the other hand, according to the cash withdrawal process of this embodiment, no fee is required to withdraw cash. For this reason, it is more profitable for the user to purchase goods worth 200 yen at a store such as a convenience store or supermarket than to pay a fee of 200 yen at a bank ATM. For this reason, according to this embodiment, it is possible to increase the user's willingness to purchase goods at a store.
[0036] Furthermore, when withdrawing cash for purchasing goods from a bank ATM, the user must complete procedures at both the bank ATM and the store selling the goods, which is inconvenient for the user. On the other hand, according to the cash withdrawal process of this embodiment, it is possible to complete both procedures for purchasing goods and withdrawing cash at a store such as a convenience store or supermarket. Therefore, according to this embodiment, it is possible to improve user convenience.
[0037] Although points are awarded to users when they use electronic payment services, points are not awarded for cash withdrawals. Therefore, the point awarding unit 160 of the payment server 100 calculates points to be awarded to users based on the payment amount, but does not calculate points to be awarded to users based on the withdrawal amount. This makes it possible to prevent users from being awarded more points than necessary.
[0038] [Cash withdrawal process when user scans] FIG. 8 is a sequence diagram showing the flow of cash withdrawal processing at the time of user scanning. First, the user terminal device 200 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S101). The store code image 60 contains store URL information. The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S102). The payment server 100 searches for store information (described later) from the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S103), and transmits it to the payment application 20 (S104). The user inputs the payment amount into the user terminal device 200 on the screen displaying the affiliated store name and store name (S105) and also inputs the amount to be withdrawn in cash into the user terminal device 200 (S106).
[0039] Then, the user terminal device 200 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S107). The user terminal device 200 also generates withdrawal information including at least the cash withdrawal amount, and transmits it to the payment server 100 (S108).
[0040] The payment server 100 performs electronic payment based on the received second payment information (S109). Specifically, in the payment process, the payment processing unit 130 subtracts the payment amount included in the second payment information from the user's charge balance and deposits the payment amount into the store's account.
[0041] The payment server 100 also performs a cash withdrawal process based on the received withdrawal information (S110). Specifically, in the cash withdrawal process, the payment processing unit 130 subtracts the withdrawal amount included in the withdrawal information from the user's charge balance and deposits the withdrawal amount into the store's account. In the cash withdrawal process, the payment processing unit 130 also instructs the first store terminal device 50 to pay the withdrawal amount to the user. Following this instruction, the store staff pays the withdrawal amount in cash to the user.
[0042] Then, the payment server 100 transmits a payment / withdrawal completion notification (information for displaying a payment / withdrawal completion screen) to the payment application 20 (S111), and the payment application 20 displays the payment / withdrawal completion screen (S112).
[0043] FIG. 9 is a sequence diagram showing the flow of cash withdrawal processing at the time of store scanning. First, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S201). The payment server 100 generates a one-time code (S202) and transmits it to the payment application 20 (S203). The payment application 20 displays a code image such as a QR code (registered trademark) or a barcode generated based on the one-time code (S204). The user holds (presents) the display surface of the user terminal device 200 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code or the like (S205). Next, the store staff inputs the amount of cash to be withdrawn into the first store terminal device 50 (S206).
[0044] Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S207). Information on the payment amount is acquired in advance by reading a barcode or by manual input, etc. In addition, the user terminal device 200 generates withdrawal information including at least the amount of cash to be withdrawn, and transmits it to the payment server 100 (S208).
[0045] The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S209). Specifically, in the payment process, the payment processing unit 130 subtracts the payment amount from the user's charge balance and deposits the payment amount into the store's account.
[0046] The payment server 100 also performs a cash withdrawal process based on the received withdrawal information (S210). Specifically, in the cash withdrawal process, the payment processing unit 130 subtracts the withdrawal amount included in the withdrawal information from the user's charge balance and deposits the withdrawal amount into the store's account. In the cash withdrawal process, the payment processing unit 130 also instructs the first store terminal device 50 to pay the withdrawal amount to the user. Following this instruction, the store staff pays the withdrawal amount in cash to the user.
[0047] Then, the payment server 100 transmits a payment / withdrawal completion notification to the payment application 20 (S211), and the payment application 20 displays a payment / withdrawal completion screen (S212).
[0048] According to the embodiment described above, the payment server (information processing device) 100 is capable of communicating with the user terminal device 200 owned by the user and the first store terminal device 50 installed in the store selling the product. The payment server 100 includes an acquisition unit 150 and a payment processing unit 130. The acquisition unit 150 acquires, from the user terminal device 200 or the first store terminal device 50, payment information including the payment amount of the product to be purchased using the electronic payment service, and withdrawal information including the withdrawal amount the user intends to withdraw from the electronic payment service. The payment processing unit 130 performs payment processing for the product based on the payment information, and performs withdrawal processing for withdrawing the user's cash from the electronic payment service based on the withdrawal information. In this way, the payment server 100 makes it possible to withdraw cash in addition to the price of the product when purchasing a product at a store using electronic payment, thereby improving the convenience of the user.
[0049] 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]
[0050] 20. Payment App 50 First store terminal device 60 Store Code Image 70 Second store terminal device 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 150 Acquisition Department 160 Points Granting Department 170 Storage section 172 User information 174 Payment Content Information 176 Store Information 200 User terminal device
Claims
1. An information processing device that can communicate between a user's terminal device owned by the user and a store terminal device installed in a store that sells products, An acquisition unit that acquires from the user terminal device or the store terminal device payment information including the payment amount for the product to be purchased using the electronic payment service and withdrawal information including the withdrawal amount that the user intends to withdraw from the electronic payment service, A settlement processing unit that performs settlement processing for the goods based on the settlement information and performs withdrawal processing to withdraw the user's cash from the electronic payment service based on the withdrawal information, A display control unit that displays the payment amount, the withdrawal amount, and the total amount of the payment amount and the withdrawal amount on a payment completion screen displayed after the completion of the payment processing and the withdrawal processing, An information processing device equipped with the following features.
2. The display control unit displays on the settlement completion screen that the fee for the withdrawal process is free. The information processing apparatus according to claim 1.
3. The display control unit displays, on the payment completion screen, the points that can be used in the electronic payment service, which are awarded based on the payment amount, in a manner that makes it clear that they are points based on the payment amount. The information processing apparatus according to claim 1.
4. The system further includes a storage unit that stores user information, including the user's balance in the electronic payment service. The aforementioned settlement processing unit, In the aforementioned payment processing, the payment amount included in the payment information is deducted from the charge balance, and the payment amount is deposited into the store's account. In the withdrawal process, the withdrawal amount included in the withdrawal information is deducted from the charge balance, and the withdrawal amount is deposited into the store's account. The information processing apparatus according to claim 1.
5. The settlement processing unit instructs the store terminal device to pay the withdrawal amount to the user during the withdrawal process. The information processing apparatus according to claim 4.
6. The settlement processing unit calculates a settlement fee based on the settlement amount, but does not calculate a settlement fee based on the withdrawal amount. The information processing apparatus according to claim 1.
7. The system further includes a point awarding unit that awards points usable as electronic money in the electronic payment service to the user in accordance with the payment amount, The point awarding unit calculates the points to be awarded to the user based on the payment amount, but does not calculate the points to be awarded to the user based on the withdrawal amount. The information processing apparatus according to claim 1.
8. A user terminal device owned by the user and an information processing device that can communicate with a store terminal device installed in a store selling the product, The user terminal device or the store terminal device obtains payment information including the payment amount for the goods to be purchased using the electronic payment service, and withdrawal information including the withdrawal amount that the user intends to withdraw from the electronic payment service. Based on the payment information, the payment process for the product is performed, and based on the withdrawal information, a withdrawal process is performed to withdraw the user's cash from the electronic payment service. On the payment completion screen displayed after the completion of the payment process and the withdrawal process, the payment amount, the withdrawal amount, and the total amount of the payment amount and the withdrawal amount are displayed. Information processing methods.
9. A user terminal device owned by the user and an information processing device that can communicate with a store terminal device installed in a store that sells the product, The user terminal device or the store terminal device is made to obtain payment information including the payment amount for the goods to be purchased using the electronic payment service, and withdrawal information including the withdrawal amount that the user intends to withdraw from the electronic payment service. Based on the payment information, the system will process the payment for the product, and based on the withdrawal information, it will process the withdrawal of the user's cash from the electronic payment service. On the payment completion screen displayed after the completion of the payment process and the withdrawal process, the payment amount, the withdrawal amount, and the total amount of the payment amount and the withdrawal amount are displayed. program.