Application program, payment system, display control method, and terminal device

Abstract

To settle a payment more smoothly.SOLUTION: An electronic settlement method uses an electronic settlement service application program (hereinafter referred to as electronic settlement application) that executes processing to display code information generated by encoding identification information of a user on a display unit of a terminal device so that a terminal device in a store may read the code information, or processing to read, by the terminal device, code information generated by encoding identification information of the store, to execute an electronic settlement service in association with a server device which performs settlement. The electronic settlement method causes one or more computers to: acquire authority information for identifying authority of the user and the identification information of the user in accordance with processing of the electronic settlement application; determine, based on the authority information, whether or not the user is authorized for a settlement for a commodity or service to be settled (hereinafter referred to as commodity, etc.) or a settlement in the store where the user is to settle a payment; and execute predetermined processing in accordance with a result of the determination.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to an electronic payment method, an electronic payment system, a program, and an electronic payment application program.

Background Art

[0002] Conventionally, a payment system for conveniently paying for both products without age restrictions and age-restricted products has been disclosed (see, for example, Patent Document 1). In this payment system, an image of a customer's face is displayed on a display unit, and a store clerk makes a determination based on the image to decide whether to approve the purchase of an age-restricted product.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the conventional technology, since the determination is made based on the subjectivity of the store clerk, there are cases where the payment cannot be smoothly made.

[0005] The present invention has been made in consideration of such circumstances, and one of the objectives is to provide an electronic payment method, an electronic payment system, a program, and an electronic payment application program that can perform smoother payments.

Means for Solving the Problems

[0006] One aspect of the present invention is an electronic payment method using an electronic payment service application program (hereinafter referred to as an electronic payment app) that executes a process of displaying code information in which a user's identification information is encoded on a display unit of a terminal device for the terminal device of a store to read, or a process of the terminal device reading code information in which store identification information is encoded, and executes an electronic payment service in cooperation with a server device that performs payment. One or more computers obtain authority information for specifying the authority of the user and the identification information of the user according to the process by the electronic payment app, and based on the authority information, determine whether the user has the authority to make a payment for goods or services to be settled (hereinafter referred to as goods, etc.) or a payment in the store where the user intends to make a payment, and execute a predetermined process according to the result of the determination.

Effect of the Invention

[0007] According to one aspect of the present invention, payment can be made more smoothly.

Brief Description of the Drawings

[0008]

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Embodiments for Carrying Out the Invention

[0009] Hereinafter, with reference to the drawings, embodiments of the electronic payment method, electronic payment system, program, and electronic payment application program of the present invention will be described.

[0010] The electronic payment method of the present embodiment is an electronic payment service application program (hereinafter referred to as an electronic payment app) that executes a process of displaying code information (for example, a barcode, etc.) in which the user's identification information is encoded on the display unit of the terminal device so that the terminal device of the store reads it, or a process of causing the terminal device to read code information in which the store's identification information is encoded, and executes an electronic payment service in cooperation with a server device that performs payment.

[0011] In this electronic payment method, one computer or multiple computers cooperate to obtain the authority information for identifying the user's authority and the user's identification information according to the above-described processing by the electronic payment application, and based on the authority information, it is determined whether the user has the authority to pay for the goods or services to be settled (hereinafter referred to as goods, etc.) or the payment in the store where the user intends to make a payment, and a predetermined process according to the determination result is executed.

[0012] "One computer" is, for example, a terminal device of a store or a server device that performs payment. "Multiple computers cooperate" means that the terminal device of the store and the server device that performs payment cooperate. "According to the processing" means that after the processing is executed, subsequent processing is executed, such as "triggered by the processed matter", "starting from the processed matter", or "after the processing is completed".

[0013] "Authority information" is an authority different from the amount that the user can pay, and is information indicating the authority regarding the payment of goods, etc. to be settled (such as the authority to purchase or the authority to apply a discount). The authority information is set based on, for example, the user's attributes. Attributes are arbitrarily set, such as being ○○ years old or older, male, female, having used the electronic payment service more than 〇 times in the past, or having purchased a predetermined product, etc. In the following embodiments, the authority information is the user's age, and "users with authority" will be described as being 20 years old or older. For example, users 20 years old or older have the authority to pay for alcohol, while users under 20 years old do not have the authority to pay for alcohol.

[0014] "Predetermined process" is, for example, a process of executing payment, a process of providing information indicating that payment cannot be made, a process of providing information indicating that the user does not have the authority to pay for the goods, etc. to be settled, etc.

[0015] [Electronic Payment System] FIG. 1 is a diagram showing an example of the configuration of the electronic payment system 1. The electronic payment system 1 includes, for example, one or more terminal devices 10, a payment server 20, and one or more store terminal devices 40.

[0016] The terminal device 10 and the payment server 20, or the store terminal device 40 and the payment server 20 communicate via a network NW. The network NW includes a WAN (Wide Area Network), a LAN (Local Area Network), the Internet, a cellular network, and the like.

[0017] The terminal device 10 is a computer device having a communication function and a display function such as a smartphone, a personal computer, or a tablet terminal. In the terminal device 10, a processor such as a CPU (Central Processing Unit) and a UA (User Agent) such as a browser or an electronic payment application cooperate to display content on the display unit of the terminal device 10 and execute various processes.

[0018] [Payment Server] The payment server 20 provides, for example, content corresponding to a request transmitted by the terminal device 10 to the terminal device 10, or the electronic payment application installed in the terminal device 10 is activated and communicates with the activated electronic payment application to transmit and receive various information and provide content. Further, the payment server 20 executes various processes by communicating with the store terminal device 40, for example. The various processes are, for example, payment processes using electronic money and processes for providing information related to payments. Details of the processing of the payment server 20 will be described later.

[0019] FIG. 2 is a diagram showing an example of the functional configuration of the settlement server 20. The settlement server 20 provides an electronic payment service in cooperation with an electronic payment application. The settlement server 20 includes, for example, an acquisition unit 22, a settlement management unit 24, a settlement processing unit 26, and a storage unit 30. The acquisition unit 22, the settlement management unit 24, and the settlement processing unit 26 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium on a drive device. It is not necessary for all the above components to be realized by a single processor, and distributed processing by a plurality of processors may be performed as appropriate. The storage unit 30 stores, for example, settlement service user information 32, settlement information 34, and store information 39.

[0020] FIG. 3 is a diagram showing an example of the content of the settlement service user information 32. The settlement service user information 32 is information in which, for example, the user's name, telephone number, email address, nationality, date of birth (or age), gender, address, etc. are associated with the user's identification information. Some of this information may be omitted. For example, the user can use the electronic payment service by providing the settlement service user information 32 to the settlement server and registering it. The date of birth (or age) is an example of "authority information for specifying the user's authority".

[0021] The settlement information 34 includes, for example, payment information 36 and deposit information 38. The payment information 36 is information including, for example, the history of the user's settlement using the electronic payment service. The payment information 36 is information in which, for example, the identification information of the store, the date of settlement, the store name, the genre of the store (such as a supermarket, an izakaya, a home electronics discount store, etc.), the location information of the store, etc. are associated with the identification information of the user.

[0022] The deposit information 38 is information regarding the deposit of the amount for the user to use the electronic payment service. The deposit information 38 is information in which, for example, the date of deposit, the deposit method, the payer, and the amount are associated. The deposit method is, for example, a deposit using an ATM (Automatic Teller Machine) of a convenience store, a deposit made by linking with the user's bank account, a deposit sent from another user, etc. The transfer is, for example, using the transfer service between users implemented in the electronic payment service. The store information 39 will be described later.

[0023] Returning to the description of FIG. 2. The acquisition unit 22 acquires the information transmitted by the electronic payment application installed in the terminal device 10. The settlement management unit 24 manages the information acquired by the acquisition unit 22. For example, the settlement management unit 24 manages the acquired information as the settlement information 34. The settlement processing unit 26 performs electronic settlement processing in cooperation with the electronic payment application or a store terminal (not shown) capable of using the settlement service provided by the settlement server 20. The settlement server 20 manages, for example, the accounts of service providers that provide services to the stores or users as transaction targets, and realizes various settlements by performing, for example, the transfer of electronic money between accounts according to the settlement requests from the users and stores.

[0024] [Store terminal device] FIG. 4 is a diagram showing an example of the functional configuration of the store terminal device 40. The store terminal device 40 is a terminal device that supports the exchange of money that occurs in the sale of goods and the like in a store. The store terminal device 40 is, for example, a POS (Point Of Sales) register that totals and manages the goods and the like sold, and totals and manages the sales. The store terminal device 40 includes, for example, a barcode scanner (not shown), an acquisition unit 42, an information processing unit 44, an information providing unit 46, and a storage unit 50. The acquisition unit 42, the information processing unit 44, and the information providing unit 46 are realized by a hardware processor such as a CPU executing a program (software) stored in a storage device. Some functions of the settlement server 20 may be installed in the store terminal device 40, and some functions of the store terminal device 40 may be installed in the settlement server 20. The storage unit 50 stores, for example, product information 52 in which identification information of products and the like is associated with settlement conditions of products and the like (for example, the age at which settlement is possible).

[0025] The barcode scanner reads, for example, a barcode. The acquisition unit 42 acquires the information encoded in the read barcode. For example, the acquisition unit 42 acquires the user's identification information and information (authorization information) for specifying the user's age. The information processing unit 44 executes various processes based on the information acquired by the acquisition unit 42 and the information stored in the product information 52 (details will be described later). The product information 52 is information in which, for example, information such as the type of products and the age at which products can be purchased is associated with the identification information of products and the like. For example, information indicating an age limit of 20 years or older is associated with alcohol.

[0026] [Settlement Method 1] FIG. 5 is a diagram for explaining an example of a settlement method of an electronic payment service. In this process, the electronic payment application activates the camera provided in the terminal device 10, causes the camera to image code information (such as a barcode or a QR code (registered trademark)) in which the identification information of the store is encoded, and obtains the identification information of the store acquired from the imaged image. Next, the electronic payment application displays an interface image for allowing the user to input the settlement amount on the display unit of the terminal device 10, and transmits information indicating the identification information of the store, the interface image, and the settlement amount input by the user's operation to the settlement server 20 that performs the settlement.

[0027] The settlement server 20 acquires the transmitted store identification information and the user identification information according to the above process. Then, the settlement server 20 performs settlement by subtracting the transmitted amount from the balance of the charged user and associating a predetermined amount among the subtracted amounts with the store identification information. The electronic payment application acquires information related to the settlement (information indicating that the set conditions related to the settlement are satisfied by the authority information and the settlement is completed) from the settlement server 20, and displays the acquired information on the display unit of the terminal device 10. When the user cannot settle the goods or the like to be settled, the terminal device 10 acquires the information from the settlement server 20 and displays information indicating that the settlement cannot be made on the display unit.

[0028] [Settlement Method 2] FIG. 6 is a diagram for explaining an example of a settlement method of an electronic payment service. For example, when the user presents a screen on which code information generated by the electronic payment application is displayed to the store clerk of the store, and the store terminal device 40 reads the code information with a scanner or the like, the settlement amount (or the amount and the identification information of goods or the like) set in the store terminal device 40, the identification information of the store, and the information acquired from the code information are transmitted to the settlement server 20. The code information encodes, for example, the user identification information or the user identification information and the authority information, and this information is acquired.

[0029] The settlement server 20 acquires the transmitted information, subtracts the amount transmitted from the store terminal device 40 from the balance of the charged user, and performs settlement by associating a predetermined amount among the subtracted amounts with the identification information of the store. The store terminal device 40 (or the electronic payment application) acquires information related to the settlement from the settlement server 20 and causes the acquired information to be displayed on the display unit of the store terminal device 40 (or the terminal device 10). When the user cannot settle the goods or the like for which settlement is attempted, the store terminal device 40 acquires the information from the settlement server 20 and causes the display unit to display information indicating that settlement cannot be made.

[0030] [Sequence Diagram Regarding Settlement Method 1] The acquisition unit 22 of the settlement server 20 acquires the identification information of the store acquired from the user's identification information and the code information provided by the electronic payment application for the store from the electronic payment application. The settlement management unit 24 of the settlement server 20 searches for settlement service user information 32 in which the user's identification information and authority information are associated with the user's identification information as a key, acquires the user's authority information (for example, age), and further searches for store information 39 in which the identification information of the store and the settlement conditions for performing settlement at the store are associated with the identification information of the store as a key, and acquires the settlement conditions (for example, age restriction information) corresponding to the store. Next, the settlement processing unit 26 determines whether the user's authority information satisfies the settlement conditions. If the settlement conditions are satisfied, the settlement is performed by subtracting the price of the goods or the like from the charged amount associated with the user's identification information. If the settlement conditions are not satisfied, information indicating that settlement cannot be made is provided to the electronic payment application.

[0031] FIG. 7 is a sequence diagram showing an example of the flow of processing executed by the electronic payment system 1. First, in response to a user operation, the terminal device 10 reads the code information designated by the store, and further, the user inputs the settlement amount (S100), and transmits the user's identification information, the settlement amount, and the identification information of the store encoded in the read code information to the settlement server 20 (S102).

[0032] Next, based on the information transmitted in S102, the payment server 20 determines the feasibility of payment (S104) and transmits the result of the determination to the terminal device 10 (S106). For example, the payment server 20 searches for the store information 39 and the payment service user information 32 to determine whether the user can make a payment at the store where the payment is to be made.

[0033] FIG. 8 is a diagram showing an example of the content of the store information 39. The store information 39 is information in which, for example, information indicating the type and age limit of the store (payment conditions) is associated with the identification information of the store. For example, at a tobacco store or a liquor store, users 20 years of age or older can make a payment, and users under 20 years of age cannot make a payment. At a clothing store, there is no age limit. For example, the payment server 20 searches for the payment service user information 32 to obtain the user's age and determines whether the age limit conditions associated with the identification information of the store where the payment is to be made are met. If the age limit conditions are met, the payment server 20 makes the payment; if the age limit conditions are not met, the payment server 20 does not make the payment.

[0034] Note that in the store information 39, the information indicating the age limit may be omitted, and the presence or absence of an age limit may be determined based on the type of the store. For example, the payment server 20 may limit payments at tobacco stores and liquor stores to users 20 years of age or older. Note that in the above process, it is a condition for the completion of the payment that the user's recharge amount is equal to or greater than the amount to be paid.

[0035] As described above, the electronic payment system 1 can perform payments for goods and the like of users with payment authority and can also perform payments for goods and the like of users without payment authority, in cooperation with the electronic payment application and the payment server 20, thereby enabling smoother payment. For example, the store is relieved of the hassle of asking the user for age confirmation or having the store clerk subjectively estimate the user's age, and the user is also relieved of the hassle of presenting an identity certificate or performing an act (such as touching a predetermined button) to declare that they are 20 years of age or older. In this way, the electronic payment system 1 improves the convenience for both the store and the user and enables smoother payment.

[0036] [Another Example of Processing Related to Payment Method 1] FIG. 9 is a diagram (part 1) for explaining another example of processing related to the payment method. For example, a plurality of types of code information may be prepared in the store. For example, code information A for users who purchase goods that require age confirmation and code information B for users who purchase goods that do not require age confirmation may be prepared.

[0037] FIG. 10 is a diagram (part 2) for explaining another example of processing related to the payment method. This code information A encodes the store's identification information and an age confirmation flag. For example, when a user purchases alcohol at a liquor store, the user reads the code information A using the terminal device 10. The terminal device 10 transmits the user's identification information, information indicating the amount to be paid, the store's identification information, and an age confirmation flag (a flag indicating that age confirmation is required) to the payment server 20 (S200). Next, based on the information transmitted in S200, the payment server 20 confirms the user's age and determines whether the user's age is equal to or greater than a predetermined age (for example, 20 years old or older) (S202).

[0038] If the user's age is equal to or greater than a predetermined age, the payment server 20 performs the payment. If the user's age is less than the predetermined age, the payment server 20 transmits information indicating that the payment cannot be made to the terminal device 10 (S204). When the terminal device 10 acquires the information of S204, the terminal device 10 transmits information indicating that the payment cannot be made to the display unit of the own device (S206). As a result, on the display unit, "There is an attempt to pay for goods or the like that cannot be purchased with the customer's age" is displayed, and further, a button for canceling the payment is displayed.

[0039] As described above, the electronic payment system 1 can perform the payment more smoothly when the goods or the like to be paid for include goods or the like that cannot be purchased by a user without authority, and when the goods or the like to be paid for include goods or the like that can be purchased by a user with authority. For example, in a liquor store, when a user under 20 years old tries to purchase alcohol, the payment is not made, and in a liquor store, when a user under 20 years old tries to purchase snacks, the payment is made. In this way, the electronic payment system 1 can improve the convenience of the store and the user and perform the payment more smoothly.

[0040] [Processing related to payment method 2 (Part 1)] The acquisition unit 42 of the store terminal device 40 acquires the user's identification information and authority information from the code information displayed on the display unit of the terminal device 10 by the electronic payment application. The information processing unit 44 of the store terminal device 40 searches for product information 52 in which the identification information of the product or the like to be paid for and the payment conditions are associated with each other using the identification information of the product or the like to be paid for as a key, and acquires the payment conditions (for example, age limit information) associated with the identification information of the product or the like to be paid for, and determines whether the user's authority information satisfies the payment conditions.

[0041] When the information processing unit 44 of the store terminal device 40 satisfies the settlement conditions, it performs settlement by subtracting the price of goods or the like from the charged amount associated with the user's identification information. When the information providing unit 46 of the store terminal device 40 does not satisfy the settlement conditions, it provides the user with information indicating that settlement cannot be made. The user is, for example, a user who operates the store terminal device 40. The information providing unit 46, for example, causes the display unit of the store terminal device 40 to display information indicating that settlement cannot be made. When the store terminal device 40 is a terminal device operated by a store clerk, the store clerk can recognize that the settlement conditions are not satisfied. When the store terminal device 40 is a terminal device (self-checkout) operated by a user who purchases goods or the like, the user can recognize that the settlement conditions are not satisfied.

[0042] FIG. 11 is a sequence diagram (part 1) showing an example of the flow of processing executed by the electronic payment system 1. First, in response to a user's operation, the terminal device 10 displays code information in which the user's identification information and age information indicating the user's age are encoded on the display unit (S200). Next, the store terminal device 40 acquires the user's identification information and age information encoded in the code information (S204). Next, the store terminal device 40 determines whether settlement of goods or the like is possible based on the acquired age information and the goods or the like information 52 stored in the storage device of the store terminal device 40 (S204). Next, when the store terminal device 40 determines that settlement is possible, it requests the settlement server 20 to perform settlement (S206). Next, the settlement server 20 performs settlement in response to the request (S208).

[0043] FIG. 12 is a diagram for explaining the determination of the possibility of settlement of goods or the like. The store terminal device 40, for example, acquires from the code information that the age of the user with the user ID "001" is less than 20 years old. When an age restriction flag is associated with goods or the like "P001" and "P002" for which settlement is attempted, the user determines that the goods or the like "P001" and "P002" cannot be settled. The age restriction flag is a flag indicating that goods or the like can be settled by users of a predetermined age or older.

[0044] For example, when the store terminal device 40 includes products or the like for which payment cannot be made, the store terminal device 40 displays on its display unit, as shown in FIG. 13, that there are products or the like for which payment cannot be made, the reason therefor, the names of the products or the like, and the like. For example, information indicating that beer of P001 and cigarettes of P002 cannot be sold to users under 20 years old is displayed.

[0045] As described above, the electronic payment system 1 determines whether the user's authority information satisfies the payment conditions associated with the identification information of products or the like, and determines whether to permit the user's payment, thereby improving the convenience for the store and the user and enabling smoother payment.

[0046] In the above example, the store terminal device 40 compares the age limit flag associated with the identification information of products or the like with the age of the user obtained from the code information to determine whether payment is possible. Instead, the store terminal device 40 may display the age of the user obtained from the code information on the display unit of the store terminal device 40 without determining whether payment is possible. For example, the store terminal device 40 may read the code information displayed on the display unit of the terminal device 10 and display the age information obtained from the read code information on the display unit of the store terminal device 40, as shown in FIG. 14.

[0047] For example, on the display unit, information indicating that the user attempting to use the payment service is under 20 years old and that the sale of alcohol such as beer and cigarettes is not permitted, and information indicating that the user attempting to use the payment service is 20 years old or older and that the sale of alcohol such as beer and cigarettes is permitted are displayed. The store clerk can refer to this information to determine whether alcohol and cigarettes can be sold to the user.

[0048] As described above, by causing the electronic payment system 1 to display authority information such as the user's age encoded in the code information on the display unit, a store clerk can easily recognize whether they have the authority to settle for goods or the like, improving the convenience for both the store and the user and enabling a smoother settlement.

[0049] [Processing Related to Payment Method 2 (Part 2)] The store terminal device 40 acquires the user's identification information from the code information displayed on the display unit of the terminal device 10 by the electronic payment application. The acquisition unit 22 of the payment server 20 acquires the payment conditions associated with the identification information of goods or the like to be paid. The payment management unit 24 of the payment server 20 searches for the payment service user information 32 in which the user's identification information and authority information are associated with the user's identification information as a key, acquires the user's authority information, and determines whether the user's authority information satisfies the payment conditions. When the payment management unit 24 of the payment server 20 satisfies the payment conditions, it performs settlement by subtracting the price of goods or the like from the charge amount associated with the user's identification information. When the payment processing unit 26 of the payment server 20 does not satisfy the payment conditions, it provides the user with information indicating that the settlement cannot be made. The user is, for example, a user who operates the store terminal device 40 or a user of the terminal device 10.

[0050] The payment processing unit 26 of the payment server 20 provides, for example, information indicating that the settlement cannot be made to the store terminal device 40 and causes the display unit of the store terminal device 40 to display the information indicating that the settlement cannot be made. Further, the payment processing unit 26 of the payment server 20 may provide the terminal device 10 with information indicating that the settlement cannot be made and cause the display unit of the terminal device 10 to display the information indicating that the settlement cannot be made. When the store terminal device 40 is a terminal device operated by a store clerk, the store clerk can recognize that the payment conditions are not satisfied. When the store terminal device 40 is a terminal device (self-checkout) operated by a user who purchases goods or the like, the user can recognize that the payment conditions are not satisfied.

[0051] FIG. 15 is a sequence diagram showing an example of the flow of processing executed by the electronic payment system 1. In this processing, in the storage unit 30 of the payment server 20, product information such as product identification information and payment conditions (age at which payment is possible) for products and the like are stored in association with each other.

[0052] First, the terminal device 10 displays code information in which the user's identification information is encoded on the display unit in response to a user operation (S300). Next, the store terminal device 40 acquires the user's identification information encoded in the code information (S302). Next, the store terminal device 40 transmits the acquired user's identification information, information on products and the like to be paid for, and the store's identification information to the payment server 20 (S304).

[0053] The payment server 20 compares the information transmitted in S304 with the age associated with the product identification information of the product information and the age associated with the user's identification information, and determines whether payment for the product and the like is possible (S306). The payment server 20 transmits the determination result indicating whether payment is possible to the terminal device 10 and the store terminal device 40 (S308, S310). If payment cannot be made, information indicating that payment cannot be made due to the age limit as shown in FIGS. 13 and 14 described above is displayed on the display unit of the terminal device 10 or the store terminal device 40.

[0054] As described above, the electronic payment system 1 determines whether the user's authority information satisfies the payment conditions associated with the product identification information, and determines whether to permit the user's payment, thereby improving the convenience of the store and the user and enabling smoother payment.

[0055] [Other 1] The terminal device 10 may display information indicating the user's age on the display unit of the terminal device 10 according to the user's operation. For example, when the terminal device 10 starts an electronic payment application and performs an operation to display code information on the display unit, the terminal device 10 may display information indicating the user's age on the display unit together with the code information. FIG. 16 is a diagram showing an example of an interface image including the code information displayed on the display unit and the information indicating the user's age. For example, the information indicating the age is information generated by the payment server 20 in the electronic payment application based on the payment service user information 32. For example, when applying for the use of the electronic payment service, the payment server 20 may request the user to provide an identity certificate and register the information indicating the user's age on the condition that the identity certificate has been confirmed.

[0056] For example, if the user displays the information indicating the age on the display unit of the terminal device 10 and presents it to the store clerk, the store clerk can confirm the user's age.

[0057] [Other 2] In the table order service, the electronic payment system 1 may determine whether the user has the authority for payment based on the user's authority information and execute a predetermined process according to the determination result. In the table order, when the user uses the electronic payment application at a seat in the store or the like to order food, the staff in the store will deliver the food to the seat according to the order. Then, when the user receives the food and notifies the payment server 20 through the electronic payment application that the food has been received, the payment is completed. As a result, the user can, for example, order food using the electronic payment application instead of ordering food from the staff in a restaurant, have a meal in the restaurant, and further make a payment using the electronic payment application.

[0058] In a table order, for example, when a user under 20 years old orders alcohol, the electronic payment system 1 may reject accepting this order or notify the user that this order cannot be accepted. For example, in a table order, when a user performs an operation to order alcohol from among the restaurant menu items displayed on the display unit by the electronic payment app, this information is sent to the payment server 20. The payment server 20 determines whether the user is 20 years old or older based on the authority information of the ordering user. If the user is under 20 years old, the payment server 20 notifies the electronic payment app that the order cannot be accepted, and the electronic payment app displays information indicating that the order cannot be accepted on the display unit. If the user is 20 years old or older, the payment server 20 accepts the order and sends the accepted order to the store terminal device 40. Thereby, in response to the order received by the store terminal device 40, the restaurant staff serves alcohol to the user. In this way, in the table order service, the electronic payment system 1 can, for example, more smoothly accept orders and serve meals, and also perform more smooth payments.

[0059] [Modification Example 1] In Modification Example 1, when the authority information indicates that the electronic payment service has been used 5 or more times in the past by the payment server 20, a user who has used the electronic payment service 5 or more times in the past is granted the authority to settle (purchase) a predetermined product or the like at a discount. FIG. 17 is a diagram for explaining the process of Modification Example 1. Information indicating that the product or service ID “P001” stored in the payment service user information 32 has been purchased 5 times in the past is stored. In the product or service information of the payment server 20, preferential information is associated with the identification information of the product or service. In the example of FIG. 17, the preferential information is, for example, that when the product or service “P001” has been purchased 5 times using the electronic payment service and is purchased for the 6th time, a discount of ○○% is applied. When the 6th purchase of the product or service “P001” is made, the payment server 20 applies a discount of ○○% to the product or service “P001” and settles the payment.

[0060] As described above, since the electronic payment system 1 can provide discounts for users who meet certain conditions or for specified products, etc., it can improve user satisfaction and the willingness of users to purchase products, etc., for which discounts are applicable.

[0061] [Modification Example 2] In Modification Example 1, discounts were applied according to the number of purchases. However, in Modification Example 2, discounts may be applied when the target products, etc., are settled regardless of the number of purchases. FIG. 18 is a diagram showing an example of product, etc., information in Modification Example 2. The product, etc., information stores information indicating that, for example, a discount of ○○% is applied to the settlement of product, etc., ID "P001". When the product, etc., "P001" is purchased, the settlement server 20 applies a discount of ○○% to the product, etc., "P001" and performs the settlement.

[0062] As described above, since the electronic payment system 1 can provide discounts for specified products, etc., it can improve user satisfaction and the willingness of users to purchase products, etc., for which discounts are applicable.

[0063] In addition, in the above processing, preferential treatment may be provided when a specific user (a preset user or a user with a predetermined attribute) purchases products, etc., to which preferential information is associated, during the settlement.

[0064] Also, the above-described processes may be performed in an overlapping manner. For example, at a predetermined store, the settlement server 20 may determine whether the authority information meets the settlement conditions, and at other stores, the store terminal device 40 may determine whether the authority information meets the settlement conditions.

[0065] The electronic payment system 1 of the embodiment described above is an electronic payment method using an electronic payment service application program (hereinafter referred to as an electronic payment app). One or more computers acquire authority information for specifying a user's authority and the user's identification information in accordance with processing by the electronic payment app, and based on the authority information, determine whether the user has the authority to make a payment for goods or services to be settled (hereinafter referred to as goods, etc.) or a payment at a store where the user intends to make a payment. By executing a predetermined process according to the result of the determination, a smoother payment can be made.

[0066] As described above, the embodiments for carrying out the present invention have been described using the embodiments. However, the present invention is not limited to such embodiments, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Reference Numerals

[0067] 1.. Electronic payment system, 10.. Terminal device, 20.. Payment server, 22.. Acquisition unit, 24.. Payment management unit, 26.. Payment processing unit, 30.. Storage unit, 32.. Payment service user information, 34.. Payment information, 36.. Payment information, 38.. Deposit information, 39.. Store information, 40.. Store terminal device, 42.. Acquisition unit, 44.. Information processing unit, 46.. Information providing unit, 50.. Storage unit, 52.. Goods, etc. information

Claims

1. The terminal device computer When a user performs an operation to display code information including user identification information for identifying a user used in an electronic payment service, operation information indicating the operation is acquired; displaying the code information and authorization information regarding the electronic payment of the user on a display unit of the terminal device in response to the operation information; Application program.

2. The authority information indicates that the user is 20 years of age or older. The application program according to claim 1 .

3. The authorization information is information indicating that the user is authorized to purchase either alcohol or tobacco, or both. The application program according to claim 1 .

4. The computer of the terminal device displaying the code information and the authority information on the display unit to present to a store that is a member of the electronic payment service when making an electronic payment at the store; The application program according to claim 1 .

5. The computer of the terminal device acquiring instruction information indicating an instruction to create the authority information from a payment server that provides an electronic payment service; displaying the authority information together with the code information on a display unit based on the instruction information; The application program according to claim 1 .

6. an application program according to claim 5; a payment server that refers to information indicating whether the user has authority stored in a storage unit, and provides instruction information indicating an instruction to create the authority information to the application program if the user has authority; A payment system comprising:

7. The terminal device computer When a user performs an operation to display code information including user identification information for identifying a user used in an electronic payment service, operation information indicating the operation is acquired; displaying the code information and authorization information regarding the electronic payment of the user on a display unit of the terminal device in response to the operation information; Display control method.

8. When a user performs an operation to display code information including user identification information for identifying a user used in an electronic payment service, operation information indicating the operation is acquired; displaying the code information and authorization information regarding the electronic payment of the user on a display unit of the terminal device in response to the operation information; Terminal device.

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