Settlement interceding device, settlement interceding method, and settlement interceding program

Abstract

To provide a settlement interceding device capable of making a settlement by utilizing a discount service without depending on a settlement undertaker selected by a user.SOLUTION: A settlement interceding device 1 includes: a settlement information obtaining unit that obtains, from a user terminal 2 utilized by a user who makes a settlement, settlement information including payee identification information for identifying a payee, settlement identification information for identifying the settlement, and an amount of settlement to be made; a calculating unit which calculates a discount amount subtracted from the amount of settlement based on a discount rate stored in a manner in association with policy identification information for identifying a policy applied to the payee, and which calculates, as an amount of payment, an amount of money obtained by subtracting the discount amount from the amount of settlement; an amount presenting unit that presents, to the user terminal 2, the calculated amount of payment and discount amount; and a settlement undertaker presenting unit that presents, to the user terminal 2, a plurality of settlement undertakers that can be selected as an undertaker for the settlement.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a settlement intermediation device, a settlement intermediation method, and a settlement intermediation program.

Background Art

[0002] Currently, many payment service providers offer payment services using two-dimensional codes. When making a payment at a store, a user can start the application of the payment service they want to use by operating their smartphone and make a payment by performing a predetermined operation.

[0003] In a payment service using two-dimensional codes, there is a method of reading a two-dimensional code installed in a store or the like with a user's smartphone. There is also a system in which a store or the like that has contracts with multiple payment service providers allows a user to read a single two-dimensional code that can be read by each of the applications provided by the respective payment service providers, enabling payments by each payment service provider. Patent Document 1 discloses a payment service using two-dimensional codes.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] In the payment service of Patent Document 1, payments are made using different applications for each payment service provider. Therefore, a user must decide on one payment service provider before making a payment. In such a payment service, for example, if only some payment service providers are implementing measures such as campaigns, choosing a different payment service provider for payment will result in missing the opportunity to receive the services provided by the measures.

[0006] Therefore, an object of the present invention is to provide a settlement mediation device, a settlement mediation method, and a settlement mediation program that can perform settlement using a discount service without depending on a settlement provider selected by a user.

Means for Solving the Problems

[0007] A settlement mediation device according to an aspect of the present invention includes: a settlement information acquisition unit that acquires settlement information including payee identification information for identifying a payee, settlement identification information for identifying a settlement, and a settlement amount to be settled, from a user terminal used by a user who performs the settlement; a calculation unit that calculates a discount amount to be discounted from the settlement amount based on a discount rate stored in association with measure identification information for identifying a measure applied to the payee, and calculates an amount obtained by subtracting the discount amount from the settlement amount as a payment amount; an amount presentation unit that presents the calculated payment amount and discount amount to the user terminal; and a settlement provider presentation unit that presents a plurality of settlement providers that can be selected as a settlement request destination to the user terminal.

[0008] A settlement mediation method according to another aspect of the present invention is a method executed by a processor, the method including: a step of acquiring settlement information including payee identification information for identifying a payee, settlement identification information for identifying a settlement, and a settlement amount to be settled, from a user terminal used by a user who performs the settlement; a step of calculating a discount amount to be discounted from the settlement amount based on a discount rate stored in association with measure identification information for identifying a measure applied to the payee, and calculating an amount obtained by subtracting the discount amount from the settlement amount as a payment amount; a step of presenting the calculated payment amount and discount amount to the user terminal; and a step of presenting a plurality of settlement providers that can be selected as a settlement request destination to the user terminal.

[0009] The settlement mediation program according to another aspect of the present invention causes a computer to function as a settlement information acquisition unit that acquires settlement information including payee identification information for identifying a payee, settlement identification information for identifying a settlement, and a settlement amount to be settled, from a user terminal used by a user who performs the settlement, a calculation unit that calculates a discount amount to be deducted from the settlement amount based on a discount rate stored in association with measure identification information for identifying a measure applied to the payee, and calculates an amount obtained by subtracting the discount amount from the settlement amount as a payment amount, an amount presentation unit that presents the calculated payment amount and discount amount to the user terminal, and a settlement business operator presentation unit that presents a plurality of settlement business operators that can be selected as a settlement request destination to the user terminal.

[0010] According to these aspects, by acquiring settlement information including payee identification information, settlement identification information, and a settlement amount from a user terminal, a discount amount can be calculated based on a discount rate corresponding to measure identification information for identifying a measure applied to the payee, and the calculated discount amount can be subtracted from the settlement amount to calculate a payment amount. Then, in addition to the calculated payment amount and discount amount, a plurality of settlement business operators that can be selected as a settlement request destination can be presented to the user terminal.

[0011] Thereby, the user can select a desired settlement business operator and perform settlement after confirming the payment amount and discount amount to which the discount service according to the measure is applied.

[0012] In the above aspect, the payee may be any one of a plurality of stores existing in the area to which the measure is applied.

[0013] Thereby, when the user uses any one of the stores existing in the area to which the measure is applied, the user can receive the discount service according to the measure.

[0014] In the above aspect, it may further include a reception unit that receives, from a user terminal, a request for settlement processing for a selected settlement operator from among a plurality of selectable settlement operators, a transmission unit that transmits the request for settlement processing to a settlement execution device of the settlement operator corresponding to the request for settlement processing, a settlement result acquisition unit that acquires, from the settlement execution device, the result of the settlement processing executed in response to the request for settlement processing, and a settlement result presentation unit that presents the result of the settlement processing to the user terminal.

[0015] As a result, the user can request a settlement process with a payment amount reflecting the discount amount from the settlement operator selected from among a plurality of selectable settlement operators and confirm the result of the settlement process.

[0016] In the above aspect, it may further include a storage unit that stores, for each policy identification information, a budget amount and a discount rate that can be used as the discount amount, and the calculation unit may subtract the calculated discount amount from the available budget amount stored in association with the policy identification information and update the available budget amount stored by the storage unit.

[0017] As a result, the operator sponsoring the policy can set the budget and discount rate according to each strategy and confirm the remaining balance of the budget for all settlement operators without being aware of the balance of each individual settlement operator.

[0018] In the above aspect, the storage unit may further store, as the discount rate, a first discount rate applied when a predetermined condition is satisfied and a second discount rate applied when the predetermined condition is not satisfied, and the first discount rate may be set to be larger than the second discount rate.

[0019] As a result, the operator sponsoring the policy can set the conditions for preferentially treating the discount rate and apply a larger discount rate to users who satisfy the conditions.

[0020] In the above aspect, when the predetermined condition is satisfied, the calculation unit may calculate the discount amount using the first discount rate, while when the predetermined condition is not satisfied, the calculation unit may calculate the discount amount using the second discount rate.

[0021] As a result, the organizer of the measure can set a difference between the discount amount for users who satisfy the predetermined condition and the discount amount for users who do not satisfy the predetermined condition.

[0022] In the above aspect, the predetermined condition may be that the user resides in a specific area.

[0023] As a result, the organizer of the measure can apply a larger discount rate to users who reside in a specific area.

[0024] In the above aspect, when the user resides in a specific area, the calculation unit may calculate the discount amount using the first discount rate, while when the user does not reside in the specific area, the calculation unit may calculate the discount amount using the second discount rate.

[0025] As a result, the organizer of the measure can set a difference between the discount amount for users who reside in a specific area and the discount amount for users who do not reside in the specific area.

[0026] In the above aspect, whether the user resides in a specific area may be determined based on information such as the user's My Number card.

[0027] As a result, it becomes possible to accurately grasp the area where the user resides.

[0028] In the above aspect, when the available budget amount stored in association with the measure identification information is smaller than the calculated discount amount, the calculation unit may set the discount amount to 0 and calculate the settlement amount as the payment amount.

[0029] As a result, the operator who sponsors the measure can implement the discount service within the set budget.

Effect of the Invention

[0030] According to the present invention, it is possible to provide a settlement mediation device, a settlement mediation method, and a settlement mediation program that can perform settlement using a discount service without depending on the settlement provider selected by the user.

Brief Description of the Drawings

[0031]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Mode for Carrying Out the Invention

[0032] With reference to the accompanying drawings, a preferred embodiment of the present invention will be described. In each figure, those with the same reference numerals have the same or similar configurations.

[0033] [Overview of the Settlement Management System] FIG. 1 is a diagram illustrating a schematic configuration of a settlement management system 100 including a settlement mediation device 1 according to the present embodiment. The settlement management system 100 includes a settlement mediation device 1, user terminals 2a, 2b, 2c, and settlement execution devices 3a, 3b, 3c. Note that there may be a plurality of user terminals 2a, 2b, 2c and settlement execution devices 3a, 3b, 3c, and when there is no particular need to distinguish them below, they will be referred to as user terminal 2 and settlement execution device 3.

[0034] The settlement mediation device 1 is a server device that performs predetermined processing by executing a predetermined program stored in the storage device of the settlement mediation device 1. The predetermined processing includes, for example, various processes for mediating settlements between users and settlement service providers. Here, the settlement service provider is, for example, a provider of settlement means such as a credit card or ○○ Pay, a payment service that enables electronic settlement.

[0035] The user terminal 2 is, for example, an information processing device used by a user, such as a smartphone, a tablet terminal, or a personal computer. The user terminal 2 has imaging means such as a camera and can acquire information from a two-dimensional code.

[0036] The settlement execution device 3 is a server device that performs predetermined processing by executing a predetermined program stored in the storage device of the settlement execution device 3. The predetermined processing includes, for example, various processes related to settlements between users and settlement service providers.

[0037] The settlement mediation device 1 and the user terminal 2 are communicably connected via a network N1, and the settlement mediation device 1 and the settlement execution device 3 are communicably connected via a network N2.

[0038] The outline of the procedure of the settlement-related processing executed in the settlement management system 100 will be described below. Transactions subject to settlement include various transactions such as the provision of services such as cleaning, the use of amusement facilities, and the purchase of goods.

[0039] First, a user who makes a payment in a settlement reads a predetermined code (e.g., a two-dimensional code) presented by a payee such as a store using a user terminal 2 and accesses a settlement intermediation device 1.

[0040] Subsequently, the user terminal 2 transmits information necessary for the settlement to the settlement intermediation device 1.

[0041] Here, the information necessary for the settlement includes, for example, payee information regarding the payee, settlement identification information for identifying the settlement, and the settlement amount to be settled. The settlement identification information may be information for identifying the services provided to the user, a product code for identifying the products sold to the user, etc.

[0042] The settlement identification information and the settlement amount information may be recorded as data in a predetermined code, or may be input from a screen displayed on the user terminal 2 or the like.

[0043] Subsequently, if there are measures such as a campaign applied to the payee, the settlement intermediation device 1 calculates a discount amount based on the discount rate corresponding to the measure, and calculates the payment amount by subtracting the discount amount from the settlement amount. Details of the discount service by this measure will be described later.

[0044] Subsequently, the settlement intermediation device 1 receives the designation of the settlement operator from the user terminal 2, and transmits a request for settlement processing to the settlement execution device 3 of the designated settlement operator.

[0045] Subsequently, the settlement execution device 3 executes the settlement process and transmits the result of the settlement to the settlement intermediation device 1.

[0046] Subsequently, the settlement intermediation device 1 notifies the user terminal 2 that the settlement has been completed and completes the settlement.

[0047] [Configuration of Settlement Intermediation Device] Referring to FIG. 2, an example of the hardware configuration of the settlement mediation device 1 will be described. The settlement mediation device 1 includes a processor 11 such as a CPU (Central Processing Unit) and a GPU (Graphical Processing Unit), a memory, a storage device 12 such as an HDD (Hard Disk Drive) and / or an SSD (Solid State Drive), and a communication IF (Interface) 13 that performs wired or wireless communication.

[0048] The storage device 12 functions as a storage unit that stores a program 121 for realizing various functions of the settlement mediation device 1 and data 122 used in this program 121.

[0049] The data 122 includes, for example, data on incentive budget information. The incentive budget information is information set by each business operator (hereinafter also referred to as the "sponsoring business operator") that sponsors measures such as campaigns in order to increase incentives for promoting the use of settlement means.

[0050] Here, the measures are established, for example, by local governments such as prefectures, cities, towns, and villages or business operators such as franchise stores. The stores implementing the measures can be determined by the sponsoring business operator arbitrarily designating the scope to which the measures apply and the franchise stores. Exemplarily, when the local government is the sponsoring business operator, franchise stores existing in the area under the jurisdiction of the local government can be designated as the stores implementing the measures. On the other hand, when a business operator other than the local government is the sponsoring business operator, for example, franchise stores or its own franchise stores existing in a specific area can be designated as the stores implementing the measures. In this embodiment, when the user makes a payment using the settlement means of the settlement business operator to a store implementing the measures, the user can receive a discount service according to the measures.

[0051] Referring to FIG. 3, the data configuration of the incentive budget information will be described. The incentive budget information can include, as data items, for example, measure identification information for identifying the measure, the budget amount, and the discount rate.

[0052] The budget amount stores data indicating, for example, the amount of budget (balance) that can be used as a discount amount to be discounted from the settlement amount by all settlement operators.

[0053] The discount rate stores data indicating, for example, the discount rate used when calculating the discount amount based on the measure.

[0054] [Functions of the Settlement Intermediation Device] With reference to FIG. 4, the functional configuration of the settlement intermediation device 1 will be described. The settlement intermediation device 1 includes, for example, a settlement information acquisition unit 111, a calculation unit 112, an amount presentation unit 113, a settlement operator presentation unit 114, a reception unit 115, a transmission unit 116, a settlement result acquisition unit 117, and a settlement result presentation unit 118. Details of each unit will be described below.

[0055] The settlement information acquisition unit 111 acquires settlement information including payee information, settlement identification information, and settlement amount related to a payee such as a store from the user terminal 2 used by the user who performs the settlement. The settlement information may be input by the user or the like, or may be included in a predetermined code read by the user terminal 2. When the user or the like inputs, it is preferable to display a settlement information input screen on the user terminal 2.

[0056] The payee information can include, for example, payee identification information for identifying the payee and information related to the person in charge of the payee. This payee information may or may not include measure identification information of the measure applied to the payee. If not included, it is preferable to be able to specify the measure identification information of the measure applied to the payee based on the payee identification information included in the payee information. When there are multiple measures applied to the payee, the person in charge of the payee or the user may be able to select any one of the measures.

[0057] FIG. 5 shows an example of the settlement information input screen 5a. The settlement information input screen 5a is provided with, for example, a display column 5b for displaying the payee, an input column 5c for inputting the receipt number, an input column 5d for inputting the settlement amount, and a button 5e for "selecting the payment method".

[0058] In the payee display column 5b, information regarding the payee is displayed. In FIG. 5, it is displayed that the payee is "XXX Co., Ltd." and the person in charge of the payee is "XXXX" of "XX Store". The information regarding the payee may be included in a predetermined code read by the user terminal 2, or may be stored in the storage device 12 of the settlement intermediary device 1 or the like in association with the data included in the predetermined code.

[0059] In the receipt number input column 5c, the user inputs the receipt number as settlement identification information. The receipt number may be input by the user who heard the number from the person in charge, or may be input by the person in charge.

[0060] In the settlement amount input column 5d, the payment amount as the settlement amount is input. The settlement amount may be input by the user who heard the amount from the person in charge, or may be input by the person in charge.

[0061] When the user and the person in charge confirm the content of the settlement information input screen 5a and press the "Select Payment Method" button 5e, the screen transitions to the settlement business operator selection screen described later.

[0062] Returning to the description of FIG. 4, the calculation unit 112 in FIG. 4 calculates the discount amount to be discounted from the settlement amount based on the discount rate stored in association with the measure identification information of the measure applied to the payee. The calculation unit 112 calculates the payment amount by subtracting the calculated discount amount from the settlement amount.

[0063] The amount presentation unit 113 presents the payment amount and the discount amount calculated by the calculation unit 112 to the user terminal 2. This will be specifically described with reference to FIG. 6.

[0064] FIG. 6 is a diagram showing an example of the settlement business operator selection screen 6a. On the settlement business operator selection screen 6a, there are provided, by way of example, a display column 6b for displaying the payment details, selection buttons 6c, 6d, 6e, 6f for selecting the settlement business operator, and a "Proceed with Payment Procedure" button 6g.

[0065] In the display column 6b for payment details, the payment amount 6ba and the discount amount 6bb calculated by the calculation unit 112 are displayed.

[0066] The discount amount 6bb displayed in the display column 6b for payment details is calculated based on the measure identification information of the measures applied to the payee. In FIG. 6, exemplarily, the measure identification information of the measures applied to the payee is "0004" in FIG. 3, and the discount amount 6bb is calculated based on the discount rate of "10%", which is stored in association with this "0004".

[0067] That is, "10%" as the discount rate is applied to "100,000 yen" entered in the input column 5d for the settlement amount in FIG. 5, and "10,000 yen" is calculated as the discount amount 6bb and displayed in the display column 6b. Then, "10,000 yen" as the discount amount 6bb is subtracted from "100,000 yen" as the settlement amount, and "90,000 yen" is calculated as the payment amount 6ba and displayed in the display column 6b.

[0068] In the display column 6b for payment details, in addition to the payment amount 6ba and the discount amount 6bb, "Company XXX Co., Ltd." as the payee and "123456" as the receipt number as the settlement identification information are displayed.

[0069] Returning to the description of FIG. 4. The calculation unit 112 in FIG. 4 subtracts the calculated discount amount from the available budget amount stored in association with the measure identification information of the measures applied to the payee, and updates the available budget amount (see FIG. 3) stored in the storage device 12.

[0070] Here, when the available amount stored in association with the measure identification information of the measures applied to the payee is smaller than the calculated discount amount, the calculation unit 112 may set the discount amount to 0 and calculate the settlement amount as the payment amount. Thereby, it becomes possible to implement the discount service within the budget range.

[0071] The payment provider presentation section 114 in FIG. 4 presents a plurality of payment providers that can be selected as the payment request destination to the user terminal 2. Specifically, the payment provider presentation section 114 causes the user terminal 2 to display a payment provider selection screen, and accepts the selection of a payment provider desired by the user from among the plurality of payment providers provided on the payment provider selection screen. This will be specifically described with reference to FIG. 6.

[0072] The selection buttons 6c, 6d, 6e, and 6f on the payment provider selection screen 6a in FIG. 6 are option buttons for the user to select a payment provider desired by the user. For example, when the selection button 6c is selected, "credit card" is selected as the payment method; when the selection button 6d is selected, "Apay" is selected as the payment method; when the selection button 6e is selected, "Bpay" is selected as the payment method; and when the selection button 6f is selected, "Cpay" is selected as the payment method.

[0073] Details of the display column 6b for the payment content and the "Proceed to Payment Procedure" button 6g will be described later.

[0074] Returning to the description of FIG. 4, the reception section 115 in FIG. 4 accepts a request for payment processing for the payment provider selected by the user from the user terminal 2.

[0075] The transmission section 116 transmits a payment processing request to the payment execution device 3 of the payment provider corresponding to the payment processing request received from the user terminal 2. This will be specifically described with reference to FIG. 6.

[0076] When the user selects a payment provider on the payment provider selection screen 6a in FIG. 6 and presses the "Proceed to Payment Procedure" button 6g, a request for payment processing by the selected payment provider is transmitted to the payment intermediation device 1. In FIG. 6, "Cpay" corresponding to the selection button 6f is selected as the payment provider. Therefore, when the "Proceed to Payment Procedure" button 6g is pressed, a request for payment processing will be transmitted to the payment execution device 3 of "Cpay".

[0077] Return to the description of FIG. 4. The settlement result acquisition unit 117 in FIG. 4 acquires, from the settlement execution device 3, the result of the settlement process executed by the settlement execution device 3 in response to the settlement process request transmitted to the settlement execution device 3.

[0078] The settlement result presentation unit 118 presents the result of the settlement process acquired from the settlement execution device 3 to the user terminal 2. This will be specifically described with reference to FIG. 7.

[0079] FIG. 7 is a diagram showing an example of a settlement result screen 7a. An exemplary display column 7b for displaying the settlement result is provided on the settlement result screen 7a.

[0080] Exemplarily, a payee, a receipt number, a payment amount 7ba, a discount amount 7bb, and a payment method 7bc are displayed in the display column 7b for the settlement result. The “Cpay” selected as the settlement means in FIG. 6 is displayed in the payment method 7bc. The payment amount 90,000 yen of the payment amount 6ba and the discount amount 10,000 yen of the discount amount 6bb calculated based on the discount rate of “10%” corresponding to the measure identification information “0004” of the measure applied to the payee are displayed in the payment amount 7ba and the discount amount 7bb.

[0081] [Operation of the Settlement Management System] With reference to FIG. 8, an example of the flow of processing related to settlement in the settlement management system 100 will be described.

[0082] First, the user terminal 2 reads a predetermined code presented by the payee (step S101) and accesses the settlement intermediary device 1. At this time, the payee information and the measure identification information of the measure applied to the payee may be transmitted to the settlement intermediary device 1. When there are multiple measures applied to the payee, any one of the measures may be selectable by the person in charge of the payee or the user.

[0083] Subsequently, when the user terminal 2 requests the settlement mediation device 1 for a settlement information input screen (step S102), the settlement mediation device 1 transmits the information of the settlement information input screen to the user terminal 2 (step S103), and for example, causes the user terminal 2 to display the settlement information input screen 5a in FIG. 5 (step S104).

[0084] Subsequently, when the user inputs a reception number in the reception number input field 5c, inputs a settlement amount in the settlement amount input field 5d, and presses the "Select payment method" button 5e, the user terminal 2 transmits the reception number and the settlement amount to the settlement mediation device 1 and requests a settlement business operator selection screen (step S105).

[0085] Subsequently, the settlement mediation device 1 calculates a discount amount to be discounted from the settlement amount input by the user based on the discount rate stored in association with the measure identification information of the measures applied to the store, and calculates a payment amount by subtracting the calculated discount amount from the settlement amount (step S106).

[0086] Subsequently, the settlement mediation device 1 transmits the information of the settlement business operator selection screen to the user terminal 2 (step S107), and for example, causes the user terminal 2 to display the settlement business operator selection screen 6a in FIG. 6 (step S108).

[0087] Subsequently, when the user selects any of the selection buttons 6c, 6d, 6e, 6f to select a settlement business operator and presses the "Proceed to payment procedure" button 6g on the settlement business operator selection screen 6a, the user terminal 2 transmits the settlement business operator, the payment amount, and the discount amount to the settlement mediation device 1 and requests the settlement mediation device 1 to execute settlement processing by the settlement business operator selected by the user (step S109).

[0088] Subsequently, the settlement mediation device 1 requests the settlement execution device 3 corresponding to the settlement business operator selected by the user to execute settlement processing by the settlement business operator selected by the user (step S110).

[0089] Subsequently, the payment execution device 3 executes a payment process (step S111), and transmits the result of the executed payment process to the payment intermediation device 1 (step S112).

[0090] Subsequently, the payment intermediation device 1 transmits information on the payment result screen based on the result of the payment process to the user terminal 2 (step S113), and causes the user terminal 2 to display, for example, the payment result screen 7a in FIG. 7 (step S114).

[0091] As described above, according to the payment intermediation device 1 according to the embodiment, by acquiring payment information including payment identification information, payment identification information, and payment amount of a payee such as a store from the user terminal 2, a discount amount is calculated based on a discount rate corresponding to the measure identification information of the measure applied to the payee, and the calculated discount amount is subtracted from the payment amount to calculate the payment amount. Then, in addition to the calculated payment amount and discount amount, a plurality of payment operators that can be selected as the payment request destination can be presented to the user terminal 2.

[0092] Thereby, the user can select a desired payment operator and make a payment after confirming the payment amount and discount amount to which the discount service by the measure is applied.

[0093] Therefore, according to the payment intermediation device 1 according to the embodiment, the user can make a payment using the discount service applied to the payment regardless of which payment operator is selected.

[0094] Further, according to the payment intermediation device 1 according to the embodiment, since a budget can be set for all payment operators, it is possible to maintain fairness among payment operators as compared with the case of allocating a budget for each payment operator. When a budget is allocated for each payment operator, if a certain operator reaches the budget in, for example, several days, that operator will finish the measure earlier than other payment operators, resulting in unfairness among payment operators.

[0095] In addition, according to the settlement mediation device 1 according to the embodiment, since the measures can be terminated when the budget of all settlement operators is exhausted, compared with the case where the organizer aggregates the refund amounts of each settlement operator every day and sets the timing of terminating the measures while estimating the degree of achievement of the budget of all settlement operators, it is possible to reduce the workload of the organizer.

[0096] [Modification Example] Note that the present invention is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the gist of the present invention. Therefore, the above embodiment is merely an example in every respect and should not be construed in a limiting manner.

[0097] For example, in the above-described embodiment, one discount rate is set for each settlement operator, but the discount rate is not limited to one. A plurality of discount rates applied according to predetermined conditions or the like may be set. For example, a first discount rate applied when a predetermined condition is satisfied and a second discount rate applied when the predetermined condition is not satisfied may be provided.

[0098] In the calculation unit 112 in this modification example, it is preferable to calculate the discount amount using the first discount rate when a predetermined condition is satisfied, and to calculate the discount amount using the second discount rate when the predetermined condition is not satisfied.

[0099] As the predetermined condition, for example, it may be set that the user resides in a specific area. In this case, the calculation unit 112 preferably calculates the discount amount using the first discount rate when the user resides in a specific area, and calculates the discount amount using the second discount rate when the user does not reside in a specific area. At this time, it is preferable that the first discount rate applied to the residents of the specific area is larger than the second discount rate applied to the non-residents.

[0100] Whether the user resides in a specific area is preferably determined using the address information on the user's My Number card, the address information on the driver's license, the address information on the health insurance card, and the like.

[0101] Also, as a predetermined condition, it may be set that the settlement is a campaign target. In this case, when the settlement is a campaign target, the calculation unit 112 preferably calculates the discount amount using the first discount rate, while when it is not a campaign target, the discount amount is calculated using the second discount rate. At this time, it is preferable that the first discount rate applied to the campaign target is larger than the second discount rate applied to non-campaign targets.

[0102] Examples of the campaign include a campaign that grants a special privilege applied on the day of membership registration at a specific store.

[0103] Whether it is a campaign target may be determined using, for example, settlement identification information such as a reception number or information regarding the payee specified by a predetermined code read by the user terminal 2.

Explanation of Signs

[0104] 1…Settlement Intermediation Device, 2…User Terminal, 2a, 2b, 2c…User Terminal, 3a, 3b, 3c…Settlement Execution Device, 11…Processor, 12…Storage Device, 13…Communication IF, 100…Settlement Management System, 111…Settlement Information Acquisition Unit, 112…Calculation Unit, 113…Amount Presentation Unit, 114…Settlement Business Operator Presentation Unit, 115…Reception Unit, 116…Transmission Unit, 117…Settlement Result Acquisition Unit, 118…Settlement Result Presentation Unit, 121…Program, 122…Data

Claims

1. A settlement information acquisition unit that acquires settlement information including payee identification information for identifying a payee, settlement identification information for identifying a settlement, and a settlement amount to be settled, from a user terminal used by a user who performs a settlement; A calculation unit that calculates a discount amount to be discounted from the settlement amount based on a discount rate stored in association with policy identification information for identifying a policy applied to the payee, and calculates an amount obtained by subtracting the discount amount from the settlement amount as a payment amount; An amount presentation unit that presents the calculated payment amount and the discount amount to the user terminal; A settlement provider presentation unit that presents a plurality of settlement providers selectable as a settlement request destination to the user terminal; A settlement intermediation device comprising the above.

2. The payee is any one of a plurality of stores existing in an area to which the policy is applied. The settlement intermediation device according to Claim 1.

3. A reception unit that receives a request for settlement processing for a settlement provider selected from the plurality of selectable settlement providers from the user terminal; A transmission unit that transmits the request for settlement processing to a settlement execution device of the settlement provider corresponding to the request for settlement processing; A settlement result acquisition unit that acquires a result of the settlement processing executed in response to the request for settlement processing from the settlement execution device; A settlement result presentation unit that presents the result of the settlement processing to the user terminal; The settlement intermediation device according to Claim 1, further comprising the above.

4. Further comprising a storage unit that stores an available budget amount and the discount rate that can be used as the discount amount for each policy identification information, The calculation unit subtracts the calculated discount amount from the available budget amount stored in association with the policy identification information, and updates the available budget amount stored in the storage unit. The settlement intermediation device according to Claim 1.

5. The storage unit further stores a first discount rate to be applied when a predetermined condition is satisfied and a second discount rate to be applied when the predetermined condition is not satisfied, and the first discount rate is larger than the second discount rate. The settlement intermediation device according to Claim 4.

6. The calculation unit calculates the discount amount using the first discount rate when the predetermined condition is satisfied, and calculates the discount amount using the second discount rate when the predetermined condition is not satisfied. The settlement intermediation device according to Claim 5.

7. The predetermined condition is that the user resides in a specific area. The settlement mediation device according to claim 5.

8. When the user resides in the specific area, the calculation unit calculates the discount amount using the first discount rate. On the other hand, when the user does not reside in the specific area, the calculation unit calculates the discount amount using the second discount rate. The settlement mediation device according to claim 7.

9. The calculation unit determines whether the user resides in the specific area based on the information of the user's My Number card. The settlement mediation device according to claim 8.

10. When the available budget amount stored in association with the policy identification information is smaller than the calculated discount amount, the calculation unit sets the discount amount to 0 and calculates the settlement amount as the payment amount. The settlement mediation device according to claim 4.

11. A method executed by a processor, comprising: obtaining, from a user terminal used by a user who performs a settlement, settlement information including payee identification information for identifying a payee, settlement identification information for identifying a settlement, and a settlement amount for the settlement; calculating a discount amount to be discounted from the settlement amount based on a discount rate stored in association with policy identification information for identifying a policy applied to the payee, and calculating an amount obtained by subtracting the discount amount from the settlement amount as a payment amount; presenting the calculated payment amount and the discount amount to the user terminal; presenting a plurality of settlement operators that can be selected as a settlement request destination to the user terminal; A settlement mediation method including the above steps.

12. A computer, a settlement information acquisition unit that obtains, from a user terminal used by a user who performs a settlement, settlement information including payee identification information for identifying a payee, settlement identification information for identifying a settlement, and a settlement amount for the settlement; a calculation unit that calculates a discount amount to be discounted from the settlement amount based on a discount rate stored in association with policy identification information for identifying a policy applied to the payee, and calculates an amount obtained by subtracting the discount amount from the settlement amount as a payment amount; an amount presentation unit that presents the calculated payment amount and the discount amount to the user terminal; a settlement operator presentation unit that presents a plurality of settlement operators that can be selected as a settlement request destination to the user terminal; A settlement mediation program that functions as the above components.

Images