Information processing device, program, and information processing method
Patent Information
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- DG FINANCIAL TECH CO LTD
- Filing Date
- 2025-02-19
- Publication Date
- 2026-06-23
Smart Images
Figure 00000000_0000_ABST
Abstract
Description
[Technical field]
[0001] The present invention relates to an information processing device, a program, and an information processing method. [Background technology]
[0002] Currently, many payment service providers are offering payment services using 2D codes. When making a payment at a store, users can select the payment method they want to use by operating their smartphone. Payment can be made by launching the service application and performing the required operations. do.
[0003] In a payment service using two-dimensional codes, two-dimensional codes installed in stores, etc. There is a method where the card is read by the user's smartphone. In addition, the company has contracts with multiple payment service providers. Stores and other businesses that use the service can use the card to send and receive payment information that can be read by the applications provided by each payment service provider. The system allows users to read one two-dimensional code and make payments through various payment providers. Patent Document 1 discloses a payment service that uses a two-dimensional code. do. [Prior art documents] [Patent documents]
[0004] [Patent Document 1] Special Publication No. 2016-522938 Summary of the Invention [Problem to be solved by the invention]
[0005] Using the application for each payment provider, the payment provider selected by the user provides When making payments through the service, payment information is recorded for each payment provider. If the buyer wants to centrally manage the information that identifies the payment and the payment results, the seller must It was necessary to obtain information separately from the
[0006] Therefore, the present invention provides a method for making it possible for a user to easily grasp the result of a payment while maintaining the convenience of the payment. It is an object of the present invention to provide an information processing device, a program, and an information processing method that make this possible. [Means for solving the problem]
[0007] According to one aspect of the present invention, there is provided an information processing device that receives a predetermined code from a user who makes a payment. The system allows payment to be made by scanning the card with an application installed on the user's device. An information processing device in a system, in response to reading of a predetermined code by a user terminal Then, from the user terminal, payment identification information for identifying the payment and a payment amount indicating the amount of the payment are transmitted. A payment information acquisition unit that acquires payment information and a payment processor that selects one of a plurality of payment processors from a user terminal. A reception unit that receives a payment request specifying one of the payment service providers that executes the payment method, When the request is received, the payment processing request is transmitted to the payment execution device corresponding to the payment business. and a decision unit for acquiring a processing result of the payment processing from a payment execution device corresponding to the payment business operator. a payment result acquisition unit and payment result information in which the processing result is associated with payment identification information and payment amount information; and a payment result storage unit for storing the payment information.
[0008] According to this aspect, the information processing device selects a payment processor from among a plurality of payment processors from a user terminal. The information processing device can accept the designation of a single payment service provider that will execute the payment process. The information processing device obtains the result of the payment process from the payment execution device corresponding to the business. Payment identification information that identifies the payment and payment amount information obtained in response to reading a specific code The processing result is stored in association with the transaction result. This allows the user to select one of the multiple payment service providers. Even if the payment is made by one of the selected payment service providers, the information processing device It is possible to store the payment identification information and the payment amount information in association with the processing result. This allows users to easily understand the results of their payments while still maintaining the convenience of payment. .
[0009] In the above aspect, the payment information acquisition unit generates a payment information based on the payment identification information and the payment amount information. In response to reading the predetermined code, payment identification information and payment amount information may be obtained. stomach.
[0010] This allows payment identification information and payment amount information to be included in a predetermined code in advance. For example, by dynamically generating a predetermined code, payment identification information and payment amount information can be The system provides timely updates to information, while maintaining convenience for users in making payments and allowing them to easily understand payment results. Let us assume that.
[0011] In the above aspect, the payment information acquisition unit receives input of payment identification information and payment amount information. and generating input screen information for displaying the input screen for the user terminal on the user terminal. Payment identification information and payment amount information may be acquired through the input screen.
[0012] This allows, for example, payment identification information and payment amount information to be conveyed to the user at the time of payment, Based on the payment identification information and payment amount information inputted using the terminal, the execution and result of the payment are Therefore, for example, a code is recorded on a predetermined medium, and the payment identification information and the payment Even when payment needs to be made while changing the payment amount information, the convenience of payment for users is ensured. This allows for easy understanding of payment results.
[0013] In the above aspect, the reception unit receives a request for reference to the payment result information from the seller's terminal in the payment. The request may be accepted and payment result information relating to the seller may be notified to the seller's terminal.
[0014] This makes it easier for the seller to understand the settlement result.
[0015] In the above aspect, the predetermined code is business information for identifying a business of a seller in a settlement. It may also be a code containing information.
[0016] This eliminates the need to separately input information to identify the business operator, making it easier for users to make payments. This will improve convenience in the field.
[0017] In the above aspect, the predetermined code is a code for the provision of a service when the subject of the payment is the provision of a service. The code may include provider information that identifies the provider.
[0018] This eliminates the need to separately input information to identify the provider, making payment This will improve convenience in the field.
[0019] In the above aspect, the information processing device notifies the user terminal of the processing result of the payment processing. The device may further include a
[0020] This allows users to quickly know when a payment has been completed, This will improve convenience for users in making payments.
[0021] In the above aspect, the payment result acquisition unit receives a processing result including information of the payment service provider that executed the payment process. The processing results may be obtained.
[0022] This allows, for example, sellers to understand the trends of the payment service providers selected by users. This will make it possible to do things like checking the payment results, improving convenience.
[0023] In the above aspect, the payment information acquisition unit is configured to acquire, from the user terminal, an additional payment that occurred after the payment. and acquiring additional amount information associated with the payment identification information, The additional payment is a payment process for additional payments from a user terminal to a plurality of payment providers. A payment request specifying one payment service provider to execute processing is received, and the request unit The payment execution device transmits a request for additional payment processing to the payment execution device corresponding to the payment execution device. The payment result storage unit receives a processing result of the additional payment process from the payment execution device corresponding to the user, Payment result information in which the processing result of the additional payment processing is associated with the payment identification information and the additional amount information may be stored.
[0024] This will allow additional payments to be made, improving payment convenience for users. do.
[0025] According to another aspect of the present invention, there is provided a program for receiving a predetermined code from a user who is making a payment. The payment is made by reading the card using an application installed on the user's device. In the system, in response to reading a predetermined code by a user terminal, the computer The user terminal transmits payment identification information for identifying the payment and payment amount information indicating the amount of the payment. and executing a payment process from a user terminal using one of a plurality of payment service providers. Accepting a payment request that designates one payment service provider, and when the payment request is accepted, Transmitting a request for payment processing to a payment execution device corresponding to the payment company; obtaining a processing result of the payment processing from a corresponding payment execution device; and storing payment result information associated with the payment information and the payment amount information.
[0026] According to another aspect of the present invention, there is provided a program for receiving a predetermined code from a user who is making a payment. The payment is made by reading the card using an application installed on the user's device. An information processing method, comprising: a computer reading a predetermined code by a user terminal; In response to the request, payment identification information for identifying the payment and a payment amount indicating the amount of the payment are transmitted from the user terminal. and acquiring, from the user terminal, a payment processor that performs the payment process among a plurality of payment processors. accepting a payment request specifying one of the payment service providers; When a payment request is received, a payment processing request is sent to a payment execution device corresponding to the payment business operator. and acquiring a processing result of the payment processing from a payment execution device corresponding to the payment business operator. and providing payment result information in which the processing result is associated with payment identification information and payment amount information. and storing. Effect of the Invention
[0027] According to the present invention, it is possible to easily grasp the result of a payment while maintaining the convenience of the user in the payment. It is possible to provide a program, a method, and an information processing device that enable the above-mentioned processing. [Brief description of the drawings]
[0028] [Figure 1] FIG. 1 is a schematic diagram of a payment management system. [Diagram 2] FIG. 2 is a diagram illustrating an outline of processing in a payment management system. [Diagram 3]FIG. 2 illustrates an example of a hardware configuration of the payment management device. [Figure 4] FIG. 2 is a block diagram of each device or terminal in the payment management system. [Diagram 5] 11 is a diagram illustrating information stored in the payment management device. FIG. [Figure 6] FIG. 2 is a diagram illustrating a process flow in the payment management system. [Figure 7] FIG. 13 is a diagram showing an example of a payment confirmation screen in the payment management system. [Figure 8] FIG. 13 is a diagram showing an example of a payment service provider selection screen in the payment management system. [Figure 9] FIG. 13 is a diagram showing an example of a payment result screen in the payment management system. [Figure 10] FIG. 11 is a diagram illustrating another flow of processing in the payment management system. [Figure 11] FIG. 13 is a diagram showing another example of a payment confirmation screen in the payment management system. [Figure 12] 11 is a diagram illustrating a process for viewing payment result information in the payment management system. FIG. [Figure 13] FIG. 11 is a diagram showing an example of payment result information in the payment management system. [Figure 14] FIG. 11 is a diagram illustrating another flow of processing in the payment management system. [Figure 15] FIG. 13 is a diagram showing another example of a payment confirmation screen in the payment management system. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
[0029] A preferred embodiment of the present invention will be described with reference to the accompanying drawings. , components with the same reference numerals have the same or similar configurations.
[0030] FIG. 1 is a block diagram showing an outline of a payment management system 10 according to this embodiment. The payment management system 10 includes a payment management device 101, user terminals 201a, 201b, and 201 c, payment execution devices 301a, 301b, and 301c, and a carrier terminal 401. , user terminals 201a, 201b, and 201c, and payment execution devices 301a, 301b, and In the case where there are multiple user terminals and payment execution devices as in 01c, but there is no need to distinguish between them, They are simply called the user terminal 201 and the payment execution device 301 .
[0031] In the payment management system 10, a user terminal 201, a payment management device 101, and a business terminal 401 are communicably connected through a network N1. In the example, the payment management device 101 and the payment execution device 301 can communicate with each other through a network N2. is connected to.
[0032] In the payment management system 10, a user who makes a payment enters a predetermined code (e.g. The user reads the two-dimensional code using the user terminal 201 and accesses the payment management device 101. The payment management device 101 receives the designation of a payment business operator designated by the user from the user terminal 201. The user terminal 20 receives the payment and accesses the payment execution device 301 of the specified payment business operator. 1 transmits information necessary for settlement to the settlement execution device 301. Thus, the payment is executed, and the payment result is transmitted to the payment management device 101. 1 notifies the user terminal 201 that the payment has been completed, and completes the payment.
[0033] Here, examples of transactions that can be settled include the provision of cleaning services, the use of amusement facilities, etc. There are various types of transactions, including but not limited to, purchases of goods, and the like.
[0034] The payment management device 101 executes a predetermined program stored in the storage unit of the payment management device 101. The server device has a computer that performs a predetermined process by executing the program.
[0035] The user terminal 201 is, for example, an information processing device used by a user, such as a smartphone. The user terminal 201 is a device that includes a camera, a tablet terminal, a personal computer, etc. It has an imaging means and is capable of acquiring information from the two-dimensional code.
[0036] The payment execution device 301 executes a predetermined program stored in the storage unit of the payment execution device 301. The server device has a computer that executes a predetermined process by executing the payment processing. The payment device 301 communicates with the user terminal 201 to perform payment. The user terminal 201 is a payment management The payment execution device 301 may be accessed through the device 101, or directly through the payment execution device 301. Alternatively, the payment execution device 301 may be accessed via direct communication.
[0037] The business operator terminal 401 is an information processing device used by a business operator user, and is a smartphone. The terminals are smartphones, tablet terminals, personal computers, etc. The user can access the payment management device 101 from the payment terminal and grasp the status of the payment.
[0038] An overview of information processing by the payment management system 10 will be described with reference to FIG. In the example, a user U makes a payment for a service or product provided by a business or provider. This will be explained using an example where
[0039] In step (A), the user terminal 201 receives a predetermined code CD1, CD2, or CD 3. Here, the code CD1 is, for example, printed on a card C1 indicating the donor's affiliation. The codes CD2 and CD3 are, for example, the terminals D1 and D2 owned by the provider. will be displayed on each screen.
[0040] In step (B), the user terminal 201 of the user U receives payment identification information and a payment amount. Here, the payment identification information is, for example, information indicating whether the service is provided to the user U. The payment identification information is information for identifying each transaction when a payment is made. The payment amount information is information indicating the amount to be paid by the user U. This is news.
[0041] The payment identification information and payment amount information are stored in advance in the code CD1, CD2, or CD3. The user's name may be recorded in the user terminal 201 or may be input through the screen of the user terminal 201. When inputting payment identification information and payment amount information through the screen of the terminal 201, the input is performed by the user. This may be done by the user U or by the provider.
[0042] In addition, the code CD1, CD2, or CD3 contains business information that identifies the business. The information may include donor information that identifies the donor.
[0043] In step (C), the user terminal 201 inputs the code CD1, CD2, or CD3. Based on the included information, the payment management device 101 is accessed, and a payment ID is sent to the payment management device 101. The user terminal 201 transmits the other information and the payment amount information to the payment management device 101. The access may, for example, be Using browsing software (applications) installed on the terminal 201, This is done by accessing the
[0044] In step (D), the payment management device 101 selects a payment service provider that can be used by the user U. , and presents it to user U via user terminal 201.
[0045] In step (E), the user U operates the user terminal 201 to specify a payment service provider. Do the following.
[0046] In step (F), the user terminal 201 receives the payment designated by the payment management device 101. A payment request is made including merchant information.
[0047] In step (G), the payment management device 101 executes the payment execution device of the designated payment business operator. The payment processing request is sent to the payment device 301.
[0048] In step (H), the payment management device 101 executes the payment execution device of the designated payment business operator. The result of the payment process is obtained from the payment device 301.
[0049] In step (I), the payment management device 101 transmits a payment processing command to the user terminal 201. Notify the results.
[0050] In the payment management system 10, the payment identification information and the payment amount information are associated with the processing result. The stored information is then transferred to the payment management device 101 via the business operator terminal 401. By accessing the payment management device 101, the business operator can grasp the status. The business operator is each of the payment service providers (Payment Service Provider A, Payment Service Provider B, and Payment Service Provider C). The payment management device 101 can be accessed without accessing the payment execution device 301 or the system. By simply accessing the account, it is possible to grasp the status of the payment.
[0051] In the payment management system 10, the user terminal 201 and the payment management device 101 communicate with each other. The payment process is then completed, and the carrier terminal 401 does not need to execute the payment process itself. For example, cashless payments using POS terminals and credit card payment terminals managed by business operators When performing payment processing using a terminal for payment, the terminal may be disconnected from the network or may be subject to a power outage. If the power supply to the terminal is interrupted, it may be impossible to execute the payment process. Such a situation may occur, for example, when a disaster occurs. In this case, the payment is completed by communication between the user terminal 201 and the payment management device 101. The network between the user terminal 201 and the payment management device 101 is available, and the user If power is being supplied to the user terminal 201 and the payment management device 101, Therefore, the payment management system 10 can complete the payment process even in the event of a disaster, for example. Cashless payments can also be completed.
[0052] An example of the hardware configuration of the payment management device 101 will be described with reference to FIG. The transaction management device 101 includes a CPU (Central Processing Unit), a GPU (Graphical Processor A processor 501 such as a processing unit (CPU), a memory, a hard disk drive (HDD) and / or a SS A storage device 502 such as a Solid State Drive (D), a communication IF (Interface A face 503, an input device 504 for accepting input operations, and an output device 505 for outputting information. The input device 504 may be, for example, a keyboard, a touch panel, or The output device 505 is, for example, a display or a touch panel. do.
[0053] Referring to FIG. 4, a payment management device 101, a user terminal 201, a payment execution device 301, and The individual components of the business operator terminal 401 will now be described. The transaction execution device 301 and the business operator terminal 401 each have the above-mentioned hardware configuration. In the information processing device, a program stored in a storage device is executed by a processor. This can be achieved by:
[0054] The payment management device 101 includes a communication unit 1011, a storage unit 1012, a payment information acquisition unit 1013, A reception unit 1014, a request unit 1015, a payment result acquisition unit 1016, a payment result storage unit 1017, and a notification unit 1018.
[0055] The communication unit 1011 is realized by using the communication IF 503 provided in the payment management device 101. The storage unit 1012 is realized by using the storage device 502 included in the payment management device 101. The payment information acquisition unit 1013, the reception unit 1014, the request unit 1015, and the payment result unit 1016 are connected to the payment information acquisition unit 1013. The result acquisition unit 1016, the payment result storage unit 1017, and the notification unit 1018 are included in the payment management device 10. A processor 501 executes a program stored in a storage device 502. The program can be stored in a storage medium. The storage medium storing the program is a computer-readable non-transitory storage medium ( Non-transitory computer readable medium may be used. The storage medium may be, but is not limited to, a USB memory or a CD-ROM. .
[0056] The communication unit 1011 communicates with the payment management device 101, the user terminal 201, the payment execution device 301, and controls communication between the settlement management device 101 and external devices including the business operator terminal 401. do.
[0057] The storage unit 1012 stores various information used in the processing in the payment management device 101. The memory unit 1012 includes a payment result DB 10121 .
[0058] With reference to FIG. 5, the payment result information stored in the payment result DB 10121 will be described. Payment result information includes "payment identification information," "payment amount," "payment company," and "payment result." The "payment identification information" field stores the payment identification information. The "payment amount" field stores the payment amount. The "payment provider" field stores information indicating the payment method. In the "payment result" field, information indicating the result of the payment by the payment execution device 301 is stored. It is remembered.
[0059] In the example of Figure 5, the payment amount for the payment identification information "123456" is "5, 000 yen", the payment provider is "credit card", and the payment result is "payment successful". The payment amount for the payment with the payment identification information "987654" is "10,000 The amount is stored as "00 yen", the payment provider is "A Pay", and the payment result is "Payment successful". The information stored in the payment service provider section is, for example, “credit card” according to the payment method as described above. The names of the services that are remembered include "A-Pay," a payment service that allows electronic payments, and "A-Pay," a payment service that allows electronic payments. In addition, in the case of "credit cards," information indicating the payment brand, etc. and card address are Information indicating the seeker and issuer may also be stored.
[0060] The payment information acquisition unit 1013 acquires the user's payment information in response to reading the code by the user terminal 201. The terminal 201 transmits payment identification information for identifying the payment and payment amount information indicating the amount of the payment. The payment information acquisition unit 1013 also acquires payment identification information and payment amount information. The payment identification information and the payment amount information are obtained in response to reading of a predetermined code generated based on the Alternatively, the payment information acquisition unit 1013 receives the input of the payment identification information and the payment amount information. The input screen information for displaying the input screen to be received on the user terminal 201 is generated, and the user The payment identification information and payment amount information are acquired from the user terminal 201 via an input screen.
[0061] The reception unit 1014 receives from the user terminal 201 a payment service provider that is to execute the payment process. The reception unit 1014 receives a payment request that specifies one of the payment service providers to be used. The payment company selection screen is displayed on the user terminal 201, and the payment is made through the payment company selection screen. The reception unit 1014 receives a payment request that specifies a business operator. Then, a request to view payment result information is accepted.
[0062] When the reception unit 1014 receives a payment request, the request unit 1015 responds to the payment business operator. The request unit 1015 transmits a request for payment processing to the payment execution device 301 that is to execute the payment processing. The information is transmitted to the user terminal 201 so that the user terminal 201 can access the payment execution device 301 via the device 101. The user terminal 201 may directly access the payment execution device 301. Information for this purpose may be provided to the user terminal 201.
[0063] The payment result acquisition unit 1016 receives the payment result from the payment execution device 301 corresponding to the specified payment company. , and obtain the processing result of the payment process.
[0064] The payment result storage unit 1017 stores the processing result in association with the payment identification information and the payment amount information. The payment result information is stored in the payment result DB 10121 .
[0065] The notification unit 1018 notifies the user terminal 201 that sent the payment request of the result of the payment process. Know.
[0066] The user terminal 201 includes a communication unit 2011, a storage unit 2012, a display unit 2013, and an input unit The communication unit 2011 is a unit for communicating with the payment management device 101 and the payment processing unit 202 by the user terminal 201. The storage unit 2012 controls communication with the outside, such as the user terminal 201. The display unit 2013 is, for example, a display. The input unit 2014 displays a screen to a user who operates the user terminal 201. The input unit 2014 controls the input of information to the terminal 201. The input unit 2014 receives information input from the user through the displayed screen. The input unit 20 receives image information via the imaging device of the user terminal 201. 14 extracts information based on the information contained in the code when the code is read as an image. Depending on the extracted information, the user terminal 201 communicates with the payment management device 101 etc. It is possible to do so.
[0067] The payment execution device 301 is a server that performs payment processing, and includes a payment unit 3011. The payment execution device 301 has components necessary for various information processing, such as a communication unit and a storage unit. The payment management device 101 or the user terminal 201 transmits information necessary for payment of the payment amount to the payment management device 101 or the user terminal 201. We collect and use your personal information (e.g., credit card information, payment service account information, etc.) The payment execution device 301 transmits the payment result to the payment management device 101.
[0068] The operator terminal 401 includes a communication unit 4011, a storage unit 4012, a display unit 4013, and an input unit The communication unit 4011 is a communication unit for communicating with the payment management device 101, etc., by the business operator terminal 401. The storage unit 4012 stores programs necessary for the operation of the carrier terminal 401. The display unit 4013 is, for example, a display, and displays the The input unit 4014 displays a screen to a user who operates the carrier terminal 401. Controls the input of.
[0069] The process of settlement in the settlement management system 10 will be described with reference to Figs. Here, we will use the case where the payment identification information and payment amount information are embedded in the code as an example. explain.
[0070] In step S601, the user terminal 201 reads the code.
[0071] In step S602, the payment information acquisition unit 1013 receives payment information from the user terminal 201. A confirmation screen request, payment identification information, and payment amount information are obtained.
[0072] In step S603, the reception unit 1014 generates information for a payment confirmation screen. In step S604, the reception unit 1014 transmits information on a payment confirmation screen to the user terminal 201. do.
[0073] In step S605, the user terminal 201 displays a payment confirmation screen on the display unit 2013. Here, the payment confirmation screen 701 will be described with reference to FIG.
[0074] The payment confirmation screen 701 includes a payment destination information display area 7011, a receipt number display area 7012, It has a payment amount display area 7013 and a button 7014 .
[0075] The payee information display area 7011 displays information about the payee based on the information embedded in the code. In the example of Figure 7, the company information of the payee is "Company name: The name of the service is "XX service" and the person in charge is shown to be "XXXX" as the person in charge information. The information displayed in the payment destination information display area 7011 is read from the code and input to the user terminal 2. The information may be based on information stored in the user terminal 201, or the business information and person in charge information may be stored in the user terminal 201. Even if the information is included in the information on the payment confirmation screen after being transmitted to the payment management device 101, good.
[0076] In the receipt number display area 7012, the receipt number is displayed as payment identification information. In the display area 7013, the payment amount is displayed as payment amount information.
[0077] When the user checks the payment confirmation screen 701 and presses a button 7014, the payment management system A confirmation input indicating that the payment confirmation screen 701 has been confirmed is transmitted to the payment terminal 101.
[0078] In step S606, the reception unit 1014 receives a confirmation input from the user terminal 201. do.
[0079] In step S607, the reception unit 1014 generates information for a payment service provider selection screen. In step S608, the reception unit 1014 transmits the information on the payment service provider selection screen to the user terminal. Send to 201.
[0080] In step S609, the user terminal 201 displays a payment service provider selection screen on the display unit 2013. Here, the payment service provider selection screen 801 will be described with reference to FIG.
[0081] The payment service provider selection screen 801 includes a payment details display area 8011, selection buttons 8012a, 012b, 8012c, and a button 8013. The payment details display area 8011 includes: The payment confirmation screen 701 displays information indicating the confirmed payment details. 012a, 8012b, and 8012c are buttons for users to select available payment methods. For example, when the user selects the selection button 8012a, Credit card payment is specified. When the user presses button 8013, the payment manager A payment request using the specified payment method is sent to the management device 101.
[0082] In step S610, the reception unit 1014 receives a payment request from the user terminal 201. do.
[0083] In step S611, the request unit 1015 executes a specified payment request based on the payment request. A payment processing request is sent to the business operator's payment execution device 301.
[0084] In step S612, the settlement unit 3011 performs settlement processing. The device 301 may obtain information necessary for settlement from the user terminal 201 as necessary.
[0085] In step S613, the payment result acquisition unit 1016 receives the payment result from the payment execution device 301. Obtain the results.
[0086] In step S614, the payment result storage unit 1017 stores the payment identification information and the payment amount information Based on the payment result, the payment result information stored in the payment result DB 10121 is updated.
[0087] In step S615, the notification unit 1018 notifies the user terminal 201 of the result of the payment. .
[0088] In step S616, a payment result screen is displayed on the display unit 2013 of the user terminal 201. Here, the payment result screen 901 will be described with reference to FIG. 901 has a result display area 9011. In the result display area 9011, business information or Provider information, payment identification information, payment amount information, and payment company information showing the payment company are displayed. For example, on the payment result screen 901, "Payment destination: XX Service Co., Ltd.", "Reception Number: 123456," "Payment amount: 5,000 yen," and "Payment method: credit card." The user can confirm the payment result screen 901 to complete the payment process. If the payment fails, a screen indicating the payment failure will be displayed. is displayed on the user terminal 201.
[0089] An example of another process in the payment management system 10 will be described with reference to FIG. Here, payment identification information and payment amount information are input to the user terminal 201, and 101 will be used as an example.
[0090] In step S1001, the user terminal 201 reads the code.
[0091] In step S1002, the payment information acquisition unit 1013 receives payment information from the user terminal 201. Get the confirmation screen request.
[0092] In step S1003, the payment information acquisition unit 1013 generates information for the input screen. In step S1004, the payment information acquisition unit 1013 transmits the information on the input screen to the user terminal 2. Send to 01.
[0093] In step S1005, the user terminal 201 displays a payment confirmation screen on the display unit 2013. Here, the payment confirmation screen 1101 will be described with reference to FIG.
[0094] The payment confirmation screen 1101 includes a payment destination information display area 11011, a receipt number input area 1101 2, a payment amount input area 11013, and a button 11014.
[0095] The payee information display area 11011 displays the payee information based on the information embedded in the code. The reception number input area 11012 is used to input the reception number via the input unit 2014. The payment amount input area 11013 accepts input of the payment number via the input unit 2014. The payment amount is input. In the example of Figure 11, the receipt number is entered up to "12345", The payment amount is shown as being partially entered up to "5,00". After inputting the payment amount, the user presses button 7014 to The entered payment identification information and payment amount information are transmitted.
[0096] In step S1006, the reception unit 1014 receives the payment identification information and In step S1107, the reception unit 1014 receives the payment information and the payment amount information. After that, the process from step S608 described with reference to FIG. Processing is carried out and payment-related processing is executed.
[0097] Referring to FIG. 12, a process for confirming a payment result through the carrier terminal 401 will be described. In step S1201, the business operator terminal 401 notifies the payment management device 101 of the payment result. In step S1202, the payment management device 101 transmits a request for payment result information. The payment result DB 10121 is referenced, and payment result information is transmitted to the business operator terminal 401. In S1203, the business operator terminal 401 displays a payment result confirmation screen on the display unit 4013. .
[0098] The payment result confirmation screen 1301 will be described with reference to FIG. 01 includes the items "Payment company", "Payment identification information", "Payment amount", and "Payment result". The payment result confirmation screen 1301 is displayed for each payment service provider as shown in FIG. The extracted payment result information may be displayed in the form of a payment service provider as shown in FIG. 13(c). The payment result information may be displayed without extracting the payment result. 1, you can check the payment results.
[0099] The process for additional payment (additional payment process) will be described with reference to FIG. An additional payment is a payment made after a payment related to a payment identifier has been made. This refers to payments made through a credit card.
[0100] In step S1401, the user terminal 201 displays an additional payment screen in response to a user operation. In the additional payment screen, for example, the user inputs that he / she wishes to make an additional payment. In step S1402, the user terminal 201 displays a button for adding the additional amount. The additional amount information is obtained by reading, for example, a code for additional payment by the user terminal 201. The information may be obtained by reading the information.
[0101] In step S1403, the payment information acquisition unit 1013 receives payment information from the user terminal 201. A confirmation screen request and additional payment amount information are obtained.
[0102] In step S1404, the reception unit 1014 receives the acquired payment confirmation screen request Based on the additional payment amount information, information for a payment confirmation screen is generated. is shown in FIG. 15. Now, referring to FIG. 15, a settlement confirmation screen 1501 regarding additional payment is The payment confirmation screen 1501 includes a payment destination information display area 15011, a receipt number, It has a display area 15012, a payment amount display area 15013, and a button 15014. The payment destination information display area 15011 displays information about the payment destination. The payment identification information for the additional payment is displayed in 15012. The payment confirmation screen request may be included in the payment management device 101, and the payment confirmation screen request may be transmitted to the user. The additional payment amount may be stored in the terminal 201. It will be displayed.
[0103] When the user checks the payment confirmation screen 1501 and presses the button 15014, the payment manager A confirmation input indicating that the payment confirmation screen 1501 has been confirmed is sent to the management apparatus 101 .
[0104] In step S1407, the reception unit 1014 receives a confirmation input from the user terminal 201. After that, the process from step S607 described with reference to FIG. 6 is carried out and the payment-related The process is then executed.
[0105] In this way, the payment management device 101 can also perform additional payments, which allows users to This will improve convenience for users in making payments.
[0106] In this manner, payment is made through the payment management system 10. The system allows the selection of multiple payment providers and stores payment identification information together with the payment result. This allows users to easily check the results of their payments while still maintaining the convenience of payment. It becomes possible to grasp.
[0107] The above-described embodiment is intended to facilitate understanding of the present invention and does not limit the present invention. The elements of the embodiment and their arrangement, conditions, and shapes are not intended to be interpreted as being related to the present invention. The dimensions and size are not limited to those shown as examples and can be changed as appropriate. [Explanation of symbols]
[0108] 10: payment management system, 101: payment management device, 201: user terminal, 301: payment Execution device, 401... business operator terminal, 1013... payment information acquisition unit, 1014... reception unit, 101 5... request unit, 1016... payment result acquisition unit, 1017... payment result storage unit
Claims
[Claim 1] An information processing device in a system where payment is made by reading a predetermined code using an application installed on a user terminal used by the user making the payment, A payment information acquisition unit acquires payment identification information that identifies the payment and payment amount information that indicates the amount of the payment from the user terminal in response to the reading of the predetermined code by the user terminal. A receiving unit that receives a payment request from the user terminal to specify one payment service provider from among multiple payment service providers to perform the payment processing, When the receiving unit receives the payment request, the request unit transmits the payment processing request to the payment execution device corresponding to the payment service provider, A settlement result acquisition unit that acquires the processing result of the settlement process from a settlement execution device corresponding to the settlement business operator, An information processing apparatus comprising: a settlement result storage unit that stores settlement result information associated with the settlement identification information and the settlement amount information as a result of the processing.