Information processing device, method, and program

Abstract

To perform appropriate refund processing according to settlement means after performing settlement processing by a plurality of settlement means.SOLUTION: In a settlement management system where a user terminal, a franchise terminal, a settlement management server, a plurality of settlement servers, and a settlement proxy server connect to a communication network, the settlement management server which is an information processing comprises: a settlement execution unit which executes settlement processing of an original amount using first settlement means (digital money, point, and account payment) which is used for payment of a first amount and can refund a part of a settlement amount after settlement and second settlement means (credit card) different from the first settlement means; a cancellation amount acquisition unit which acquires a cancellation amount in settlement cancellation for cancelling at least a part of the settlement processing; a return unit which performs return processing for returning the cancellation amount to a user by the first settlement means when the cancellation amount is less than or equal to the first amount; and a resettlement execution unit which executes cancellation processing of the settlement processing and resettlement processing associated with the settlement cancellation when the cancellation amount is over the first amount.SELECTED DRAWING: Figure 5

Description

[Technical field]

[0001] The present invention relates to an information processing device, method, and program. [Background technology]

[0002] Traditionally, when purchasing products, multiple payment methods such as credit cards and points were used at the same time. A payment technique is known (see, for example, Patent Document 1).

[0003] In Patent Document 1, a payment amount for each of a plurality of payment methods is stored for each product to be purchased. This allows us to understand how multiple payment methods were used for each individual purchased item. This allows you to know if some of your products have been cancelled or returned after the product purchase process has been completed. In such a case, a refund process will be carried out according to the payment method used to purchase the product. It is being done. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2018-32247 A Summary of the Invention [Problem to be solved by the invention]

[0005] By the way, if some of the products are returned after the product purchase process has been completed, Depending on the payment method used, there may be restrictions on refund processing. For example, If the item has been returned, we will refund the points corresponding to the returned item. In contrast, when payment is made by credit card, the entire transaction is temporarily withdrawn. It is necessary to cancel the order and refund the unreturned items by making a new payment. Returns may occur not only when a payment is made using one payment method, but also when a payment is made using multiple payment methods. This would make the process complicated and it would be difficult to execute the refund process properly.

[0006] The present invention has been made in consideration of the above-described circumstances, and is a payment processing method using a plurality of payment methods. If at least some of the payments are reversed after the transaction is processed, the appropriate refund procedure will be provided according to the payment method. The present invention aims to provide an information processing device, method, and program capable of executing the above-mentioned process. [Means for solving the problem]

[0007] An information processing device according to one aspect of the present invention includes: a first payment method used for paying a first amount; and executing a payment process for the initial amount using a second payment means different from the first payment means. A settlement execution unit and a cancellation amount in a settlement cancellation for canceling at least a part of a settlement process. When the cancellation amount is equal to or less than the first amount, the cancellation amount is transferred to the user by the first payment means. a refund unit that executes a refund process to refund the amount to the user when the cancellation amount exceeds the first amount; The payment re-execution unit executes a cancellation process and a re-payment process associated with the cancellation of the payment.

[0008] An information processing method according to one aspect of the present invention includes: and executing a payment process for the initial amount using a second payment means different from the first payment means. and obtaining a cancellation amount in a payment cancellation for canceling at least a part of the payment processing. and if the cancellation amount is equal to or less than the first amount, refunding the cancellation amount to the user by the first payment means. and when the cancellation amount exceeds the first amount, canceling the payment process. , and executing a re-payment process following the cancellation of the payment.

[0009] An information processing program according to one aspect of the present invention includes: The payment method and a second payment method different from the first payment method are used to perform a payment process for the initial amount. and a cancellation amount in a payment cancellation for canceling at least a part of the payment processing. and when the cancellation amount is equal to or less than the first amount, the cancellation amount is transferred to the user by the first payment means. and canceling the payment process when the cancellation amount exceeds the first amount. and executing a re-payment process in response to the cancellation of the payment. . Effect of the Invention

[0010] According to the present invention, after the execution of the payment process by a plurality of payment means, at least a part of the payment is In the case of cancellation, it is possible to execute an appropriate refund process according to the payment method. [Brief description of the drawings]

[0011] [Figure 1] 1 is a network diagram showing a schematic configuration of a payment management system. [Diagram 2] 11 is a diagram illustrating an example of a database stored in a storage device connected to the payment management server. [Diagram 3] 1 is a table illustrating an example of information stored in a user information database (DB). [Figure 4] 1 is a table illustrating information stored in a transaction information database (DB). [Diagram 5] 2 is a block diagram illustrating main functions of a payment management server (information processing device). FIG. [Figure 6] 13 is a flowchart showing a determination process in an amount change payment. [Figure 7]13 is a table illustrating a refund scheme according to the cancellation amount and the payment source. [Figure 8] FIG. 11 is a sequence diagram showing a payment process when payment is made through a bank account. [Figure 9] FIG. 13 is a sequence diagram showing a payment process when payment is made with points. [Figure 10] FIG. 11 is a sequence diagram showing a payment process when payment is made by credit card. [Figure 11] FIG. 13 is a sequence diagram showing a payment process when payment is made with a credit card and points (when the cancellation amount does not exceed the point payment). [Figure 12] FIG. 13 is a sequence diagram showing a payment process when payment is made with a credit card and points (when the cancellation amount exceeds the point payment). [Figure 13] 13 is a table showing examples of refunds according to the settings of the payment method. [Figure 14] 13 is a table showing examples of refunds according to the settings of the payment method. [Figure 15] FIG. 13 is a diagram illustrating an example of a usage history screen displayed on a user terminal. [Figure 16] FIG. 13 is a diagram illustrating an example of a usage history details screen displayed on a user terminal. [Figure 17] FIG. 13 is a diagram illustrating an example of a usage history screen displayed on a user terminal. [Figure 18] FIG. 13 is a diagram illustrating an example of a usage history details screen displayed on a user terminal. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. The same reference numerals are used for the components, and duplicated explanations will be omitted. We will explain the payment processing for purchasing products on an e-commerce site as an example. This embodiment can also be applied to payment processing in so-called online shops.

[0013] [Configuration of payment management system] FIG. 1 shows a schematic configuration of a payment management system including an information processing device according to an embodiment of the present invention. This is a network diagram of a payment management system (hereinafter, also referred to as "this system") 1. Providing payment services when users (customers) purchase products at affiliated stores of this system 1 In this specification, the term "product" refers to a physical object. In addition to goods, this also includes services (such as providing meals at a restaurant), and "purchase" refers to the purchase of goods. This includes not only the payment of the price for the product, but also the payment of the price for services. In addition to returning the physical product to the store, you may cancel any services you have ordered. This also includes the following.

[0014] As shown in FIG. 1, the payment management system 1 includes a user terminal 10, an affiliated store terminal 20, and a payment A payment management server 30, a plurality of payment servers 50A to 50D, and a payment gateway PGW) server 60. User terminal 10, affiliated store terminal 20, payment management server 30 The payment servers 50A to 50D and the PGW server are connected to a communication network N. There are.

[0015] The communication network N transmits information between devices connected to the communication network N. The communication network N includes, for example, the Internet, a LAN, Dedicated lines, telephone lines, corporate networks, mobile communication networks, Bluetooth (registered trademark), Whether it is WiFi (Wireless Fidelity), other communication lines, or a combination of these, The user terminal 10 and the affiliated store terminal 11 may be connected to each other, and may be wired or wireless. The end of the 20th century is a technology that transmits and receives information via near field communication (NFC). It is also possible to do so.

[0016] The user terminal 10 is a terminal device used by a user, such as a smartphone or tablet. The user terminal may be a general-purpose portable computer such as a personal computer. 10 includes, as a physical configuration, a communication interface, an input device, a display device, and The present invention relates to a computer-implemented system, comprising: a memory and a processor, and the processor executes a program stored in the memory. In this way, the function of the user terminal 10 is realized.

[0017] As a specific example, the user terminal 10 communicates with the payment management server 30. Send information for user registration and various settings to receive services provided by The user terminal 10 also executes a predetermined operation for settlement at the affiliated store. For example, The user terminal 10 generates a payment code (barcode) to be read by the affiliated store terminal 20. The user terminal 10 may also have an imaging function. In this case, the user terminal 10 reads the two-dimensional code for payment displayed at the affiliated store. Alternatively, the user terminal 10 can communicate with the affiliated store terminal 20 to execute the payment. It is also possible to make payments by transmitting and receiving information between the two via short-range wireless communication.

[0018] In this embodiment, the payment methods that can be used are, for example, credit cards. (hereinafter, sometimes abbreviated as "Credit Card"), electronic money, points, accounts at affiliated banks These include payments by credit card and direct debit from a bank account other than the affiliated bank (so-called debit card). These payment methods require users to take steps in advance, such as issuing a credit card or opening a bank account. After that, the user can register with the payment management server 30 via the user terminal 10. In addition, bank account payment is a specific payment method that allows you to make payments directly from your bank account balance. be.

[0019] The affiliated store terminal 20 is a terminal device used for settlement at an affiliated store, for example. General-purpose computers such as smartphones, tablet devices, and personal computers (PCs) The affiliated store terminal 20 may be configured using a dedicated cash register terminal or a dedicated cash register terminal. A card reader device, a barcode reader, etc. are connected to the member store terminal 20. The present invention relates to a computer system including an interface, an input device, a display device, a memory, and a processor, The processor executes the program stored in the memory to operate as the affiliated store terminal 20. It performs the function of.

[0020] As a specific example, the affiliated store terminal 20 communicates with the payment management server 30 and uses the present system 1. In addition, the affiliated store terminal 20 transmits information for registering the affiliated store and various settings. When a user purchases a product, the payment information is transmitted to the payment management server 30. The payment information includes the price of the product, as well as the information that the affiliated store terminal 20 receives from the user terminal. The payment code displayed on the screen of the user terminal 10 can be read, and the short distance between the user terminal 10 and the This includes user information acquired through remote wireless communication and information about affiliated stores. That's fine too.

[0021] The user terminal 10 can read the two-dimensional code for payment displayed at the affiliated store. When payment is made by the above, payment information is sent from the user terminal 10 to the payment management server 30. The payment is then executed based on this payment information.

[0022] The payment management server 30 provides a payment service when a user purchases a product at an affiliated store. It is a server device (information processing device) for providing information, and is composed of a general-purpose computer. The payment management server 30 may be configured as a single computer. Alternatively, the system may be configured by a plurality of computers distributed over a communication network N. .

[0023] As shown in FIG. 1, the payment management server 30 includes a communication unit 31, a control unit 32, and a storage unit 33. The communication unit 31 connects the payment management server 30 to a communication network N and A communication interface for sending and receiving information between other devices connected to the communication network N. The control unit 32 uses a central processing unit (CPU). The storage unit 33 includes memories such as ROM and RAM, a hard disk drive, etc. The storage device is configured to include a program for causing the control unit 32 to execute the program. The payment management server 30 stores the parameters and the like used during the execution of the payment management server 30. It is connected to a storage device 40 that is configured using a disk drive or the like.

[0024] The payment management server 30 receives user information from the user terminal 10 and the payment information from the affiliated store terminal 20. The member store information received from the customer is managed in a database stored in the storage device 40. Based on this information, various processes related to the settlement are carried out in response to requests from the affiliated store terminal 20. In addition, the settlement management server 30 executes the transaction details in response to a request from the user terminal 10. The payment management server provides information such as the credit limit, the remaining balance, and the monthly credit limit to the user terminal 10. The detailed functions of 30 will be described later.

[0025] Each of the payment servers 50A to 50D is a server device that provides a predetermined payment method. Each of the payment servers 50A to 50D can be configured by a general-purpose computer. The system may be configured by a single computer, or may be configured by multiple computers distributed over a communication network N. Each of the payment servers 50A to 50D may be a payment management server. In response to a request from server 30, it executes various processes related to the settlement.

[0026] In this embodiment, the payment servers 50A to 50D provide different payment methods. For example, the payment server 50A executes payment by credit card. The payment server 50B executes the payment by electronic money. The payment server 50C executes the payment by points. The settlement server 50D executes the settlement by payment to an account at the affiliated bank.

[0027] Each of the PGW servers 60 is a server device that provides a payment agency service. The PGW server 60 can be configured by a computer. In Figure 1, one Although only a PGW server is shown, multiple PGW servers 60 may be provided.

[0028] [Database configuration] FIG. 2 is a diagram illustrating an example of a database stored in the storage device 40. As shown in FIG. The storage device 40 stores a user information database (DB) 41 and a member store information database (DB). The data base (DB) 42 and the transaction information database (DB) 43 are stored.

[0029] FIG. 3 is a table showing an example of information stored in the user information database 41. The information database 41 includes user registration information, payment method information, and payment method setting information. This is a database that stores information about users (user information) including , information about the user himself / herself, such as user ID, user name, address, email address, etc. The payment method information includes the user's credit card number and electronic money registration number. The payment method setting information includes the actual payment method among multiple payment methods. one or more payment instruments to be used at the time of the transaction and conditions including the priority order among the payment instruments to be used; This is information to set the payment method to be used as the payment source, whether points are used or not (all used / all) (used / unused), electronic money balance, number of points held, number of limited-time points held, etc. Regarding the use of points, "partial use" means that the user has not used This refers to the use of points by the user by specifying the number of points in advance. It is possible to set the setting information of the payment method in the payment process through the terminal 10. In addition, the user can input the setting information of the payment method (payment source and point usage) through the user terminal 10. You can also change your electronic money balance, number of points you have, and the period limit. The number of points held will be updated whenever changes occur.

[0030] Here, there are two types of points: points with no expiration date (unlimited payment method) and points with an expiration date. There may be time-limited points (payment means with a fixed term) that can be used by users. If you have both points and limited-time points, the limited-time points will be used first. The setting may be such that

[0031] The member store information database 42 is a database that stores information about member stores (member store information). The affiliated store information includes the affiliated store ID, the name of the affiliated store, the address, the name of the representative, contact information, Includes information such as the bank account number to which the payment amount is to be deposited.

[0032] FIG. 4 is a table showing an example of information stored in the transaction information database 43. The database 43 stores information (transaction information) regarding transactions between users and affiliated stores. The transaction information includes the transaction type (payment, cancellation of payment, repayment), transaction Date and time, the merchant ID of the merchant where the transaction was conducted, the user ID, the payment amount and the payment method If the transaction type is settlement or re-settlement, the transaction The payment method of the user set in the user information database 41 is set According to the information, the payment instrument in the transaction information database 43 is recorded.

[0033] [Settlement management server configuration] FIG. 5 is a block diagram illustrating the main functions of the payment management server 30. The control unit 32 executes the program stored in the memory unit 33 to realize the following functions: The system includes a reception unit 320, an information management unit 321, a setting unit 322, a settlement execution unit 323, and a cancellation unit. An amount acquisition unit 324, a determination unit 325, a refund unit 326, a repayment execution unit 327, and a display control unit and section 328.

[0034] The reception unit 320 receives payment from a device connected to the payment management server 30 via a communication network N. When an access request is made from the device, the device accepts the access by performing authentication, etc. Get information from.

[0035] The information management unit 321 manages the information acquired by the reception unit 320 by storing the information in the storage device 40. Record and manage in a database.

[0036] The setting unit 322 sets the user's payment method based on the information received from the user terminal 10. The setting information to be used is stored, and the stored setting information is changed.

[0037] The settlement execution unit 323 is a unit for executing a settlement by a user when a transaction for purchasing a product is made between the user and the affiliated store. Based on the information received from the terminal 10 or the affiliated store terminal 20, the user information database 41 The payment process is carried out according to the payment method set in the payment method setting screen.

[0038] The cancellation amount acquisition unit 324 acquires at least the amount of the cancellation amount of the settlement process that has already been executed between the user and the affiliated store. In the event of a cancellation of a payment that cancels even a portion of the amount (hereinafter referred to as a "payment with a change in amount"), Based on the information received from the terminal 10 or the affiliated store terminal 20, the cancellation of the amount change settlement Here, the user returns at least some of the items after purchasing multiple items. In the event of a cancellation or cancellation, a change in the amount will occur. The difference between the payment amount at the time of the change and the payment amount at the time of the change is the amount of the item that will be returned or cancelled. The amount (refund amount) will correspond to the product purchased.

[0039] The determination unit 325 determines whether the cancellation amount acquired by the cancellation amount acquisition unit 324 is the amount settled by the first settlement means. Here, the first payment method is the payment amount (first amount) or less. A payment method that allows you to change the transaction details later, i.e., you can refund part of the payment amount after the payment is made. It refers to a payment method that includes electronic money, points, and payments to affiliated bank accounts. 2 Payment methods are those in which the transaction details cannot be changed, i.e., the amount of the payment cannot be changed after the payment is made. This is a payment method where you cannot refund part of the transaction and you must cancel the entire transaction and make a new payment. This includes credit cards and direct debit cards from banks other than affiliated banks (so-called debit cards).

[0040] When the cancellation amount is equal to or less than the first amount, the refund unit 326 returns the cancellation amount to the amount at the time of the initial settlement. A refund process is executed to refund the money to the user by the first settlement means used in the purchase.

[0041] When the cancellation amount exceeds the first amount, the repayment processing unit 327 executes the repayment by the payment execution unit 323. The payment processing unit 101 executes a process for canceling the previously executed settlement processing, and executes a re-settlement process in accordance with the cancellation of the settlement.

[0042] The display control unit 328 displays a registration screen, a setting screen, It executes control to display a predetermined screen such as a usage history screen.

[0043] FIG. 6 is a flowchart showing the determination process for the amount change settlement. 7 is a table showing an example of a refund scheme according to the payment source (payment method). The initial payment amount is 10,000 yen, and the payment amount at the time of the change is 6,0 This shows the case where the cancellation amount is 4,000 yen.

[0044] When an amount change settlement is made, first, the cancellation amount acquisition unit 324 acquires the cancellation amount (step S11). Next, the determination unit 325 checks whether the cancellation amount is the first payment method (electronic money, points, account It is determined whether the amount is equal to or less than the payment amount by the credit card payment (step S12). In Example 3, the cancellation amount (4,000 yen) is less than the payment amount by the first payment method. In contrast, in Example 4, the cancellation amount is the payment amount by the first payment method (2,000 points). It exceeds 100,000 yen.

[0045] If the cancellation amount is less than or equal to the payment amount by the first payment means (step S12: Yes), The unit 326 returns the cancelled amount through the first settlement means (step S13). If payment is made by bank transfer as in Example 1, 4,000 yen will be returned (transferred) to the account. In addition, if the payment is made by electronic money as in Example 2, 4,000 yen worth of electronic money will be As in Example 3, when points and limited-time points are used, the points are returned. or limited-time points worth 4,000 yen will be refunded.

[0046] On the other hand, if the cancellation amount exceeds the payment amount by the first payment means (step S12: No), The payment execution unit 327 cancels the original payment process and executes a new payment process (step S14 ) In the case of Example 4, the initial payment of 10,000 yen is cancelled and the transaction is cancelled. A repayment of 6,000 yen will be made, which is the amount of the cancellation (4,000 yen) subtracted from the 00 yen. The process is carried out using the payment method (repayment method) set in the setting information at the time of the repayment process. It is therefore executed.

[0047] [Operation of payment management system] The operation of the present system 1 will be explained in detail below for each payment method. FIG. 8 is a sequence diagram showing a payment process when payment is made to an account at an affiliated bank. In this case, in the user information database 41, only payment to an affiliated bank account is allowed as a payment method. is assumed to be set.

[0048] When a user purchases a product at an affiliated store and a payment process is executed at the affiliated store terminal 20 ( In step S101, the affiliated store terminal 20 issues a request to execute a payment process (for example, 10,000 yen). In response to this, the payment management server 30 0 executes a settlement process (step S103), and performs a withdrawal process from the user's account (for example, 10,000 yen) to the payment server 50D of the affiliated bank (step S104). The settlement server 50D withdraws the specified amount from the account (step S105). The payment management server 30 is notified of the result of the payment (step S106). The result of the payment is then notified to the affiliated store terminal 20 (step S107). Processing is completed.

[0049] The user can return or cancel the purchased product and pay the cash at the affiliated store terminal 20. When a change in the amount of payment (for example, change to 6,000 yen) occurs (step S111), The terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 30 (step S In response to this, the payment management server 30 executes the judgment and amount change payment process. (Step S113), and notifies the affiliated store terminal 20 of the amount change acceptance result (Step S114).

[0050] In step S113, the payment management server 30 performs the following as described with reference to FIG. The cancellation amount is obtained and processing is performed according to the judgment result for the cancellation amount. In the example shown in Figure 8, In this case, the cancellation amount (10,000 yen - 6,000 yen = 4,000 yen) will be paid by bank transfer (first settlement). The amount is equal to or less than the payment amount (10,000 yen) made by the payment method (step S12 in FIG. 6: Yes). Therefore, the settlement management server 30 returns the cancelled amount and requests the transfer processing of the cancelled amount. In response to this, the payment server 50D transmits a payment request (step S115). D transfers the specified amount to the user's account (step S116) and determines the result of the transfer. The transaction management server 30 is notified of this (step S117).

[0051] When the payment management server 30 receives the result inquiry from the affiliated store terminal 20 (step S118 ), and notifies the customer of the result of the amount change that indicates that the refund amount has been transferred (step S119). , partial refund processing will be completed.

[0052] FIG. 9 is a sequence diagram showing a payment process when paying with points. In the user information database 41, only points are set as a payment method. It shall be so.

[0053] When a payment process is executed at the affiliated store terminal 20 (step S201), 0 transmits a request to execute a payment process (for example, 10,000 yen) to the payment management server 30 ( In response to this, the payment management server 30 executes the payment process (step S202). S203), a request for authorization and payment processing (for example, 10,000 yen) is sent to the PGW server 60 (Step S204). The PGW server 60 transmits the authorization and settlement processing request ( The point settlement server 50C then transmits the point settlement information (same as above) to the point settlement server 50C (step 205). The transaction server 50C executes the authorization and settles the designated amount with points. (Step S206), and notifies the PGW server 60 of the settlement result (Step S207). The PGW server 60 notifies the settlement management server 30 of the settlement result (step S208). The payment management server 30 notifies the affiliated store terminal 20 of the payment result (step S209). This completes the payment process.

[0054] When an amount change payment (for example, change to 6,000 yen) occurs at the affiliated store terminal 20 ( In step S211, the member store terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 10. In response to this, the payment management server 30 makes a decision and The amount change settlement process is executed (step S213), and the amount change acceptance result is notified to the affiliated store terminal. The terminal 20 is notified (step S214).

[0055] In the example shown in FIG. 9, the cancellation amount (4,000 yen) is paid in points (first payment method). The amount is less than the payment amount (10,000 yen) by the payment method (step S12 in FIG. 6: Yes). The settlement management server 30 decides to refund the cancellation amount and requests a partial refund of points (4,000 0 yen) to the payment server 50C (step S215). The 50C returns the points equivalent to the designated amount (step S216), and to the settlement management server 30 (step S217).

[0056] When the payment management server 30 receives the result inquiry from the affiliated store terminal 20 (step S218 ), and notifies the user of the amount change result that the points have been returned (step S219). , partial refund processing will be completed.

[0057] The sequence when electronic money is used for payment is the same as that shown in Figure 9. In addition, the sequence when points and electronic money are used at the time of payment is also based on the Basically, it is the same as the example shown in FIG. 9. However, the payment management server 30 performs step S In 215, the points are returned preferentially from the points to the settlement server 50C. If you request a refund of your points, and the refund is not enough to cover the amount of the cancellation, The electronic money settlement server 50B then requests a refund.

[0058] FIG. 10 is a sequence diagram showing a payment process when payment is made by credit card. In this case, in the user information database 41, only credit cards are accepted as a payment method. It is assumed that it is set.

[0059] When a payment process is executed at the affiliated store terminal 20 (step S301), 0 transmits a request to execute a payment process (for example, 10,000 yen) to the payment management server 30 ( In response to this, the payment management server 30 executes the payment process (step S302). S303), a request for authorization and payment processing (for example, 10,000 yen) is sent to the PGW server 60 (Step S304). The PGW server 60 transmits the authorization and settlement processing request ( (same as above) to the credit card settlement server 50A (step S305). In response, the payment server 50A executes authorization and credits the designated amount. The payment is made by card (step S306), and the result of the payment is notified to the PGW server 60 (step The PGW server 60 notifies the payment management server 30 of the payment result (step S307). The payment management server 30 notifies the member store terminal 20 of the result of the payment (step S308). (Step S309) This completes the payment process.

[0060] When an amount change payment (for example, change to 6,000 yen) occurs at the affiliated store terminal 20 ( In step S321, the member store terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 10. In response to this, the payment management server 30 makes a decision and The amount change settlement process is executed (step S323), and the amount change acceptance result is notified to the affiliated store terminal. The terminal 20 is notified (step S324).

[0061] In the example shown in FIG. 10, only a credit card (second payment method) is used for payment. The cancellation amount (4,000 yen) exceeds the payment amount by the first payment method (0 yen) ( Step S12 in FIG. 6: No). Therefore, the payment management server 30 resumes the original payment process. The payment will be cancelled and the new amount will be charged.

[0062] When the payment management server 30 transmits a payment cancellation request to the PGW server 60 (step S 325), the PGW server 60 transmits a cancellation request for the settlement to the settlement server 50A (step In response to this, the payment server 50A cancels the payment (step S327 ), and transmits the cancellation result to the PGW server 60 (step S328). The cancellation result is notified to the settlement management server 30 (step S329).

[0063] Next, the payment management server 30 performs authorization and payment for the changed payment amount (6,000 yen). The PGW server 60 transmits a request for re-settlement processing to the PGW server 60 (step S330). The process (steps S330 to S334) is the same as the sequence of payment processing, except that the payment amount is different. This is the same as step S304 to S308.

[0064] When the payment management server 30 receives the result inquiry from the affiliated store terminal 20 (step S335 ), cancel the initial payment, and notify the user of the amount change result that the payment has been made again (step S336 ). This completes the partial refund process.

[0065] Figure 11 shows the payment process when paying with a credit card and points (when the cancellation amount is points). This is a sequence diagram showing the procedure when the user information database In 41, credit cards and points (all used) are set as payment methods. The number of points held is assumed to be 8,000 yen.

[0066] When a payment process is executed at the affiliated store terminal 20 (step S401), 0 transmits a request to execute a payment process (for example, 10,000 yen) to the payment management server 30 ( In response to this, the payment management server 30 executes the payment process (step S402). S403), a request for authorization and payment processing for the point payment amount of 8,000 yen is sent to the PGW. The credit card payment amount is sent to the server 60 (step S404). A request for authorization and settlement processing for 0 yen is sent to the PGW server 60 (step S40 9). The sequence of points payment (steps S404 to S408) is the same as the steps shown in FIG. The sequence is the same as steps S204 to S208. Steps S409 to S413 are the same as steps S304 to S308 shown in FIG. The transaction management server 30 transmits the points and the result of the credit card transaction to the affiliated store terminal 20. This completes the payment process (step S414).

[0067] When an amount change payment (for example, change to 6,000 yen) occurs at the affiliated store terminal 20 ( In step S421, the member store terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 10. In response to this, the payment management server 30 makes a decision and The amount change settlement process is executed (step S423), and the amount change acceptance result is notified to the affiliated store terminal. The terminal 20 is notified (step S424).

[0068] In the example shown in FIG. 11, the cancellation amount (4,000 yen) is paid using points (first payment method ) (Step S12 in FIG. 6: Yes). The settlement management server 30 decides to refund the cancellation amount and requests a partial refund of points (4,0 00 yen) to the settlement server 50C (step S425). The server 50C returns points equivalent to the designated amount (step S426), and The result is notified to the settlement management server 30 (step S427).

[0069] When the payment management server 30 receives the result inquiry from the affiliated store terminal 20 (step S428 ), and notifies the user of the amount change result indicating that the points have been returned (step S429). , partial refund processing will be completed.

[0070] Figure 12 shows the payment process when paying with a credit card and points (when the cancellation amount is points). This is a sequence diagram showing the case where the user information database 4 In 1, credit card and points (all used) are set as payment methods. The points held will be 2,000 yen.

[0071] Steps S401 to S414 shown in FIG. 12 are the same as steps S401 to S41 shown in FIG. Same as 4. However, if the payment amount using points is 2,000 yen or more, or if the payment amount using credit card is 2,000 yen or more, This example differs from the example in Figure 11 in that the payment amount is 8,000 yen.

[0072] When an amount change payment (for example, change to 6,000 yen) occurs at the affiliated store terminal 20 ( In step S441, the member store terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 10. In response to this, the payment management server 30 makes a decision and The amount change settlement process is executed (step S443), and the amount change acceptance result is notified to the affiliated store terminal. The terminal 20 is notified (step S444).

[0073] In the example shown in FIG. 12, the cancellation amount (4,000 yen) is paid using points (first payment method ) (Step S12: Ns in FIG. 6). The payment management server 30 cancels the entire initial payment process and re-settles the transaction with the changed amount. Let us assume that.

[0074] When the settlement management server 30 transmits a request to cancel the point settlement to the settlement server 30C, The payment management server 30C cancels the payment (step S445) and notifies the payment management server 3 0 (step S446). That is, the full amount of points used in the initial payment is returned. To be returned.

[0075] On the other hand, the payment management server 30 sends a cancellation request for the credit card payment to the PGW server 60. When the message is sent (step S450), the PGW server 60 receives a cancellation request for the credit card payment. The payment server 50A transmits a payment request to the payment server 50A (step S451). The cancellation result is transmitted to the PGW server 60 (step S452). 3). The PGW server 60 notifies the settlement management server 30 of the cancellation result (step S 454).

[0076] Next, the payment management server 30 performs authorization and payment for the point payment amount of 2,000 yen. The payment processing request is sent to the PGW server 60 (step S455). The PGW server 60 transmits a request for authorization and settlement processing for the card settlement amount of 4,000 yen. (Step S460) Sequence of points payment (Steps S455 to S459) These steps are the same as steps S204 to S208 shown in FIG. This sequence (steps S460 to S464) corresponds to steps S304 to S306 shown in FIG. The same as 08. Note that the number of points held at the time of repayment will change from the number of points held at the time of payment. If the points have been redeemed, the points redemption and credit will be processed based on the number of points held at the time of redemption. Each process for the credit card payment is executed.

[0077] When the payment management server 30 receives the result inquiry from the affiliated store terminal 20 (step S465 ), the initial payment is cancelled, and the amount is notified of the result of the repayment (step S466 ). This completes the partial refund process.

[0078] The sequence when electronic money is used instead of points at the time of payment is also shown in Fig. 11 and 12. Also, when making a payment, instead of a credit card, The sequence when a debit card is used is the same as that shown in Figures 11 and 12. is the same as:

[0079] Here, the user's payment method can be changed between the initial payment and the amount change payment. That is, in the initial settlement, the settlement management server 30 Payment is made using the payment method, and in the case of an amount change payment, at the time when the repayment process is executed The payment method set in the settings information will be used to make a second payment. 13 and 14 are tables showing examples of refunds according to the settings of the payment method. do.

[0080] In the example shown in FIG. 13, the setting information indicating the payment method for the initial payment includes a credit card number as the payment source. Assume that a credit card has been set up and point usage has been set to "not use." Therefore, on April 1st, a payment of 10,000 yen will be made by credit card. It was done.

[0081] Then, on May 1st, a cancellation was made with a change in the amount of 4,000 yen. In the settings information, the point usage is set to "Use all", and the number of points held is 3. In this case, the original credit amount is used for the amount change settlement. A 10,000 yen card payment was cancelled, and the repayment process was carried out with a payment amount of 6,0 3,000 yen of the 10,000 yen will be paid with points, and the remaining amount will be paid by credit card. The payment is 3,000 yen.

[0082] In the example shown in FIG. 14, at the time of settlement on April 1, the payment source is a credit card, The points are set to "Use all" and the points are guaranteed for a limited time with an expiration date of the last day of April. Assume that the holding amount was 2,000 yen. Therefore, on April 1, the settlement amount was 10,000 yen. 2,000 yen will be paid with limited time points, and the remaining 8,000 yen will be paid with credit card. The payment was made by credit card.

[0083] After that, on May 1, when a cancellation of 4,000 yen was made, the cancellation amount was The initial payment process was cancelled because the amount exceeded the credit limit. 2,000 yen will be refunded and the credit card payment of 8,000 yen will be cancelled. However, the limited-time points expired on May 1st, so The ,000 yen limited time points will expire as soon as they are returned. The entire amount of 6,000 yen will be paid by credit card.

[0084] Here, at the time of the initial payment, both unlimited points and limited-time points were used. In such a case, when the amount change settlement is dealt with by refunding the cancellation amount (Figure (See step S13 in 6.) Unlimited points have priority over limited-time points. In addition, electronic money and points may be used together at the time of initial payment. In such a case, when the amount change process is to deal with the cancellation by refunding the amount (ibid.), points may be returned in preference to electronic money.

[0085] However, when the amount is changed, the original payment is canceled and a repayment process is executed. In principle, if the initial settlement is The user's payment method usage status has changed between the time of the transaction and the time of the repayment process, and the payment method that was set has changed. For example, the payment instrument may not be able to process the repayment. Insufficient authorization limit on your credit card, insufficient balance in your bank account or electronic money, etc. In such cases, the authorization limit is restored, the balance is restored, etc., and payment becomes possible. After the transaction becomes possible, the settlement process may be executed again.

[0086] In addition, if the payment method set in the settings information at the time of repayment processing cannot be used for repayment, In this case, if another payment method is available, re-payment processing will be performed using that other payment method. For example, if the setting information at the time of repayment processing is set to bank account payment as the payment method, Even though the payment option is set, the account balance is insufficient for the payment amount at the time of repayment processing, Instead, if the remaining balance of electronic money is equal to or exceeds the payment amount, the payment will be substituted by electronic money. Payment can be made by cash on delivery.

[0087] FIG. 15 is a diagram illustrating a usage history screen displayed on the user terminal 10. FIG. FIG. 16 is a diagram illustrating a usage history detail screen displayed on the user terminal 10. FIG. 17 shows a part of the details of the usage history screen displayed on the user terminal 10. FIG. 18 is a diagram illustrating a usage history detail screen displayed on the user terminal 10. and shows some details of the usage details shown in FIG.

[0088] The payment management server 30 periodically or whenever required by a request from the user terminal 10. The usage history screen can be transmitted to the user terminal 10 and displayed thereon. As shown in the figure, the usage history screens A1 and A3 show the number of transactions performed during a given period (e.g., one month). The payment history will be displayed.

[0089] On these usage history screens A1 and A3, the desired payment display field a10 and a30 are selected. When an operation (for example, a tap operation) is performed, the user terminal 10 receives a request for detailed information about the payment. In response to this, the payment management server 30 transmits the request to the payment management server 30 as shown in FIG. As shown in FIG. 18, the transaction history detail screen A2, A4 for the selected payment is displayed on the user terminal. The transaction history details screen A2, A4 corresponding to each transaction is displayed on the terminal 10. Detailed information such as the date, time, amount, breakdown, and name of the participating store will be displayed.

[0090] In FIG. 15, as shown in the display field a11 of the usage history screen A1, a later amount change payment occurs. The transaction will be greyed out and the text "Cancelled" will be displayed. The text "Amount Changed" will be displayed in the display area A12 of the payment amount change corresponding to the payment that was changed. The new payment amount of "800 yen" will be displayed, along with the canceled amount of "700 yen". It will be displayed.

[0091] In addition, the transaction history details screen for the amount change transaction will display information about the original transaction and Information regarding the settlement cancellation (amount change settlement) corresponding to the settlement processing and the amount change settlement The corresponding refund or repayment transaction information is displayed as a payment history. That is, the information regarding the amount change payment may be the final payment amount minus the cancellation amount. In the usage history screen A1 illustrated in FIG. 15, among the display fields a10 for the desired payment, When the user selects the item a12, a usage history detail screen A2 shown in FIG. is displayed on the user terminal 10.

[0092] For example, in FIG. 16, the display column a21 shows the initial payment amount of "1,500 It is displayed that the "yen" was paid through the account of the affiliated bank. Also, in the display area A22, On December 30th, the amount was changed and the cancellation amount of the original payment was 700 yen. It shows that the payment for " has been cancelled (the transaction was a transfer to the relevant account). In addition, the final payment amount after the amount change is displayed in the display area A23 as "800 yen". There are.

[0093] In addition, if multiple amount changes occur for the original payment, as shown in Figure 17, In the usage history screen A3, the display field a31 of the original payment and the table of the changed amount payment are The display box a32 is grayed out and the text "CANCELLED" is displayed. The text "Amount Changed" and the final amount change payment display column a33 for the payment Both will show the final payment amount of "280 yen", as well as the amount that was just cancelled, "420 In the transaction history screen A3 shown in FIG. 17, the desired payment display field When the user selects the display column a33 from among the display columns a30, the display column a33 shown in FIG. The usage history details screen A4 is displayed on the user terminal 10.

[0094] In the transaction history details screen A4 for these payments, the display field a41 shows November 9th The initial payment amount of 1,500 yen is paid, of which 280 yen is electronic money. The points "420 yen" and credit card "800 yen" are displayed. In display areas a42 and a43, it is displayed that the cancellation process and the re-payment process have been executed. In the display area A42, the amount change settlement occurs at 15:20 on December 30th, and the credit The screen shows that the 800 yen payment made by credit card has been canceled. In the display area a43, when the payment is cancelled, points (420 yen) and electronic money (28 It shows that a repayment of 700 yen has been made through the payment method (0 yen).

[0095] Furthermore, in display area a44, another amount change payment occurred at 16:30 on the same day, and points were The display shows that the amount of the refund, "420 yen", has been returned. The final payment amount after the change is displayed as 280 yen.

[0096] Here, when an amount change occurs, the following applies to the refund process for the cancelled amount or the cancellation process for the settlement: The same invoice number as that given to the settlement before the change (initial settlement) will be assigned, and the final invoice number after the return will be A new slip number may be assigned to the settlement result or to re-settlement processing after cancellation. For example, in the case of the cancellation of the card payment shown in the display section a42, the initial The same slip number as the settlement is given. In addition, the points and electronic money shown in the display column A43 are A new slip number is assigned to the re-settlement transaction by the payment method. For the point refund process shown in the figure, the same slip number as the settlement process before the refund shown in the display column A43 A new invoice number is assigned to the final settlement result after the return. By managing the slip numbers in this way, each process related to the amount change settlement can be linked. This makes it clear, allowing users to easily understand the relevant transaction details.

[0097] The present invention is not limited to the above-described embodiment, and the scope of the present invention is not limited to the above-described embodiment. The above embodiments can be embodied in various other forms within the scope of the present invention. The above is merely an example and should not be construed as being restrictive. Steps can be reordered or executed in parallel as long as there are no contradictions in the processing. It is possible. [Explanation of symbols]

[0098] 1...Payment management system (this system), 10...User terminal, 20...Affiliated store terminal, 30...Payment A transaction management server, 31, a communication unit, 32, a control unit, 33, a storage unit, 40, a storage device, 41, a user user information database, 42...member store information database, 43...transaction information database, 50A to 50D: payment servers, 60: payment agent server (PGW server), 320: reception unit , 321 ... information management unit, 322 ... setting unit, 323 ... settlement execution unit, 324 ... cancellation amount acquisition unit, 325: Determination unit, 326: Return unit, 327: Repayment execution unit, 328: Display control unit

Claims

1. a first payment means used to pay a first amount and a second payment means different from the first payment means; a payment execution unit for executing a payment process for the initial amount using the payment means; Obtaining a cancellation amount in a settlement cancellation for canceling at least a part of the settlement process. An acquisition unit; When the cancellation amount is equal to or less than the first amount, the cancellation amount is transferred to the user by the first settlement means. a return unit that executes a return process to return the money to the user; When the cancellation amount exceeds the first amount, a cancellation process of the payment process and a re-payment execution unit that executes a re-payment process associated with the re-payment; An information processing device comprising:

2. The re-payment process is a payment process of an amount obtained by subtracting the cancellation amount from the original amount. The information processing device according to claim 1 .

3. A setting unit capable of setting setting information of a payment method, The re-payment execution unit executes the re-payment process by using the payment method set in the setting information. Execute the re-payment process using a re-payment means. The information processing device according to claim 1 .

4. When the re-payment means is unable to immediately execute the re-payment process, Execute a re-payment process after the payment is enabled by the payment means. The information processing device according to claim 3 .

5. The re-payment execution unit, when the re-payment process cannot be executed in the re-payment means, executes another payment Execute a re-payment process using the payment means; The information processing device according to claim 3 .

6. The first payment means may be an unlimited payment means having no time limit and a fixed-term payment means having a time limit. and The refund unit is configured to refund the non-time-limited payment means from the first payment means more than the time-limited payment means. Execute the return process with priority over the The information processing device according to claim 1 .

7. The first payment means includes a time-limited payment means having a fixed term, When the payment execution unit executes the payment process using the fixed-term payment means. Then, the refund unit refunds at least a part of the cancellation amount by the fixed-term settlement means. If the expiration date of the time-limited payment instrument used in the payment process has passed, the time-limited payment instrument to be returned will be Expiring a due date payment instrument; The information processing device according to claim 1 .

8. Information regarding the payment process, information regarding a payment cancellation corresponding to the payment process, and The information on the refund process or repayment process corresponding to the payment cancellation is stored as a payment history on the user terminal. Output it at the end, The information processing device according to claim 1 .

9. The first payment means includes points and electronic money, and the payment process includes and a payment process using said electronic money in combination. The information processing device according to claim 1 .

10. a first payment means used to pay a first amount and a second payment means different from the first payment means; executing a payment process for the initial amount using the payment means; Obtaining a cancellation amount in a settlement cancellation for canceling at least a part of the settlement process. And, When the cancellation amount is equal to or less than the first amount, the cancellation amount is transferred to the user by the first settlement means. and executing a return process to return the When the cancellation amount exceeds the first amount, a cancellation process of the payment process and and executing a re-payment process involving the payment of the transaction; An information processing method comprising:

11. a first payment means used to pay a first amount and a second payment means different from the first payment means; executing a payment process for the initial amount using the payment means; Obtaining a cancellation amount in a settlement cancellation for canceling at least a part of the settlement process. And, When the cancellation amount is equal to or less than the first amount, the cancellation amount is transferred to the user by the first settlement means. and executing a return process to return the When the cancellation amount exceeds the first amount, a cancellation process of the payment process and and executing a re-payment process involving the payment of the transaction; An information processing program that causes a computer to execute the above.

Images