Information processing apparatus, program, and information processing method

Abstract

To provide an information processor, a method and a program for improving the convenience of user management by a member store while maintaining convenience in the settlement of a user.SOLUTION: A payment management device 101 includes a storage unit 1012 that stores first identification information for identifying a user and a payment means associated with the first identification information, an identification information acquisition unit 1013 that acquires the first identification information and second identification information for identifying the user by a member store that performs payment with the user, an association unit 1014 that associates the second identification information with the payment means based on the first identification information, a payment information acquisition unit 1015 that acquires payment information including the second identification information and payment amount information indicating a payment amount, and a request unit 1016 that transmits a payment process request to a device that performs a payment process by the payment means associated with the second identification information based on the payment information, in a payment management system in which a user who performs payment reads a predetermined code with a user terminal 201.SELECTED DRAWING: Figure 3

Description

[Technical Field]

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

[0002] Currently, payment services using 2D codes are being offered by many payment affiliated stores. When making a payment at a store, users can use their smartphone to select the payment method they want to use. 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. Also, there are contracts with multiple payment merchants. Each merchant can read the card using the application provided by the merchant. A system that allows users to read one two-dimensional code and make payments at each payment member store. Patent Document 1 discloses a payment service that uses two-dimensional codes. 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] When making a payment using a user terminal, the user must use the credit card or other payment method that they use. The payment method is determined by the payment service provider. In the case of payment, the user is asked to provide the business operator with the identification information that identifies the user. Payment shall be made using the payment application or web page provided. The user can use the payment method that is pre-associated with their own identification information to It is possible to make a payment after simplifying the input. Identification information that allows a business to identify a user When making a payment using a payment method, the identification information associated with the payment method is stored in the In this case, the information is managed by the affiliated company that provides the product or service. For example, in order for a store to manage users using its own user identification information, it must have its own user ID. It is not possible to register payment methods in the identification information, which reduces the convenience of customer management at affiliated stores. In addition, if payment methods are registered at each participating store for each payment, This increases the operational burden on the user and reduces the convenience of payment for the user.

[0006] Therefore, the present invention provides a system that allows member stores to manage users while maintaining convenience in payment. Information processing device, program, and information processing method that can improve the convenience of the information ... The purpose is to provide. [Means for solving the problem]

[0007] The information processing device according to one aspect of the present invention is configured to receive a predetermined code from a user who makes a payment. Payment is made by scanning the card with an application installed on the user's device. An information processing device in a system, comprising: first identification information for identifying a user; a storage unit for storing the associated payment method, the first identification information, and a payment method between the user and the first identification information; an identification information acquisition unit that acquires second identification information that identifies the user by the affiliated store that performs the above; an association unit that associates the second identification information with the payment means based on the information; a payment information acquisition unit that acquires payment information including payment amount information indicating the amount of payment; and a payment accountant that executes a payment process using a payment means associated with the second identification information based on the information. The payment processing device includes a request unit that transmits a payment processing request to the payment execution device of the affiliated store.

[0008] According to this aspect, the information processing device receives second identification information by which the affiliated store identifies the user and a payment method. The user can then be associated with the first identification information based on the first identification information that identifies the user. The second identification information is generated based on payment information including the second identification information and payment amount information indicating the amount of payment. The payment process is then executed using the payment method associated with the information. When making a payment, the second identification information is used instead of the first identification information associated with the payment method. The affiliated store can use the second identification information that it can manage. Therefore, the convenience of customer management is improved. This improves user convenience because payment can be made simply by associating the rows.

[0009] In the above aspect, the identification information acquisition unit is used for managing users by affiliated stores, and User information associated with the other information may also be acquired.

[0010] According to this aspect, the affiliated store acquires user information relating to the user in addition to the second identification information. This will enable member stores to gain benefits, improving the convenience of customer management.

[0011] In the above aspect, the information processing device stores setting information for setting input items of user information in a member The device may further include a setting information acquisition unit that acquires the setting information from the store terminal.

[0012] According to this aspect, the member store can individually set the user information that the member store acquires. This will improve the convenience of customer management for affiliated stores.

[0013] In the above aspect, the payment information acquisition unit may acquire payment information from a terminal of the affiliated store.

[0014] According to this aspect, the affiliated store makes a payment based on the second identification information through the affiliated store's terminal. For example, if an additional payment is required, the affiliated store can send a It is possible to complete a payment without requiring any operations, such as reading a specific code. This will improve convenience for both affiliated stores and users.

[0015] In the above aspect, the payment information is information indicating a recurring payment to be made at a predetermined payment time. It may also be information.

[0016] By making it possible to register recurring payments, there is no need to operate the user terminal each time a payment is made. This will improve convenience for affiliated stores and users.

[0017] In the above aspect, the information processing device is configured to set a payment setting including a payment timing for a recurring payment. The system may further include a setting information acquisition unit that acquires setting information from the terminal of the affiliated store.

[0018] According to this aspect, the affiliated store can set the details of the recurring payment, Convenience is improved.

[0019] In the above aspect, the identification information acquisition unit is configured to acquire the first identification information and the first member store, which is the member store. A different second affiliated store acquires third identification information for identifying the user, and the associating unit acquires the first identification information. The third identification information is associated with the payment method based on the information, and the payment information acquisition unit associates the third identification information with the payment method. and a second payment amount information indicating the amount of the payment between the user and the second affiliated store. and the requesting unit obtains the payment information associated with the third identification information based on the second payment information. a second payment execution device of a second payment affiliated store that executes a second payment process by the second payment execution means; may send a request for

[0020] According to this aspect, different member stores can identify users at their respective member stores. It is possible to associate a payment method with the second identification information or the third identification information. Each affiliated store can use its own manageable identification information, which makes customer management more convenient. Furthermore, the user can simply associate the first identification information with a payment method. This improves user convenience by enabling payments at multiple member stores.

[0021] In the above aspect, the identification information acquisition unit is used for the first affiliated store to manage users, The first user information associated with the second identification information and the second member store's management of the user The second user information associated with the third identification information may be acquired.

[0022] According to this aspect, each affiliated store can acquire user information. This will improve the convenience of customer management.

[0023] In the above aspect, the information processing device includes: a first setting information setting unit for setting input items of the first user information; and acquires second setting information for setting input items of second user information from the terminal of the first member store. The system may further include a setting information acquisition unit that acquires setting information from the terminal of the second affiliated store. According to this aspect, each member store can provide the user information that it requires through its own system. This can be obtained according to settings, improving the convenience of customer management for affiliated stores.

[0024] A program according to another aspect of the present invention includes: a program for converting a predetermined code into a code used by a user who makes a payment; Payment is made by scanning the card with an application installed on the user's device. In the system, a computer is provided with first identification information for identifying a user and a message relating to the first identification information. and storing the associated payment means and performing payment between the first identification information and the user. The affiliated store acquires second identification information that identifies the user, and based on the first identification information, Associating the second identification information with the payment method, and connecting the second identification information with a payment method indicating the amount of the payment. and acquiring payment information including amount information, and acquiring a second identification information associated with the payment information based on the payment information. The payment processing is performed by the payment execution device of the payment member store that executes the payment processing using the attached payment means. Sending a request and causing it to be executed.

[0025] According to another aspect of the present invention, there is provided an information processing method, comprising: The payment is made by reading the card using an application installed on the user's device. The information processing method includes: a computer generating first identification information for identifying a user; and storing a payment method associated with the first identification information and a payment method between the first identification information and the user. The affiliated store that performs the transaction acquires second identification information that identifies the user, and The second identification information is associated with the payment method, and the second identification information and the payment amount are recorded. and acquiring payment information including payment amount information, and a payment execution device of a payment affiliated store that executes payment processing using a payment means associated with the payment and sending a request for processing. [Effects of the Invention]

[0026] According to the present invention, it is possible to maintain the convenience of user payments while facilitating user management by affiliated stores. To provide a program, a method, and an information processing device that can improve convenience. This can be done. [Brief explanation of the drawings]

[0027] [Figure 1] FIG. 1 is a schematic diagram of a payment management system. [Figure 2] FIG. 2 illustrates an example of a hardware configuration of the payment management device. [Figure 3] FIG. 2 is a block diagram of each device or terminal in the payment management system. [Figure 4] FIG. 10 is a diagram illustrating information stored in the payment management device. [Figure 5] FIG. 10 is a diagram illustrating information stored in the payment management device. [Figure 6] FIG. 10 is a diagram illustrating information stored in the payment management device. [Figure 7] FIG. 1 is a diagram illustrating a processing flow in a payment management system. [Figure 8] FIG. 1 is a diagram illustrating a processing flow in a payment management system. [Figure 9] FIG. 1 is a diagram illustrating a processing flow in a payment management system. [Figure 10] FIG. 10 is a diagram showing an example of a payment information request screen in the payment management system. [Figure 11] FIG. 10 is a diagram showing an example of a payment information input screen in the payment management system. [Figure 12] FIG. 10 is a diagram showing an example of a payment result screen in the payment management system. [Figure 13] FIG. 10 is a diagram showing another example of a payment information input screen in the payment management system. [Figure 14] FIG. 10 is a diagram showing another example of a payment result screen in the payment management system. [Figure 15] FIG. 10 is a diagram illustrating another flow of processing in the payment management system. [Figure 16] FIG. 10 is a diagram showing another example of a payment information input screen in the payment management system. [Figure 17] FIG. 10 is a diagram illustrating another example of information stored in the payment management device in the payment management system. [Figure 18] FIG. 10 is a diagram showing another example of a payment information input screen in the payment management system. DETAILED DESCRIPTION OF THE INVENTION

[0028] 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.

[0029] 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 201c. c, payment execution devices 301a, 301b, 301c, and affiliated store terminal 401. , user terminals 201a, 201b, and 201c, and payment execution devices 301a, 301b, and 301c. In the case of 01c, where there are multiple user terminals and payment execution devices but no need to distinguish between them, These are simply called the user terminal 201 and the payment execution device 301. Each of these is a terminal to be managed, and multiple devices may exist.

[0030] In the payment management system 10, a user terminal 201, a payment management device 101, and a member store terminal 401 are connected to each other via a network N1 so as to be able to communicate with each other. In this example, the payment management device 101 and the payment execution device 301 can communicate with each other through the network N2. is connected to.

[0031] The payment management system 10 is a system for managing a member who uses a payment service provided by the payment management system 10. A predetermined code (e.g., a two-dimensional code) presented by a salesperson at a store or affiliated store ) is read using the user terminal 201 to access the payment management device 101. The management device 101 accepts the designation of the payment method to be used by the user from the user terminal 201, and The user terminal 201 or the affiliated store terminal accesses the payment execution device 301 of the affiliated store. The terminal 401 transmits the information necessary for the settlement to the settlement execution device 301. The settlement is executed by the payment manager 101, and the settlement result is sent to the payment manager 101. The device 101 notifies the user terminal 201 or the affiliated store terminal 401 that the payment has been completed, and Complete the following.

[0032] Here, the transactions that are the subject of settlement include, for example, the provision of services such as cleaning, the use of amusement facilities, etc. There are various types of transactions, including but not limited to, purchases of goods and services.

[0033] The payment management device 101 executes a predetermined program stored in the storage unit of the payment management device 101. It is a server device having a computer that performs predetermined processing by executing the program.

[0034] 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 for taking pictures such as a camera. It has an imaging means and is capable of acquiring information from the two-dimensional code.

[0035] The payment execution device 301 executes a predetermined program stored in the storage unit of the payment execution device 301. It is a server device having a computer that executes a predetermined process by executing the payment. 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.

[0036] The affiliated store terminal 401 is an information processing device used by a user who is an affiliated store, and is a smartphone. The terminals are smartphones, tablet terminals, personal computers, etc. The affiliated store uses the affiliated store terminal 401 accesses the payment management device 101 from the payment information transmission, understanding of the payment status, management of sales, etc. It can be done.

[0037] An example of the hardware configuration of the settlement management apparatus 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 (SRAM), a memory, a hard disk drive (HDD) and / or a storage system (SS) a storage device 502 such as a solid state drive (D), a communication interface (IF) for wired or wireless communication, 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.

[0038] Referring to FIG. 3, the payment management device 101, the user terminal 201, the payment execution device 301, and Each part of the member store terminal 401 will be explained. The transaction execution device 301 and the affiliated store terminal 401 are configured as the information processing device having 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:

[0039] The payment management device 101 includes a communication unit 1011, a storage unit 1012, an identification information acquisition unit 1013, Association unit 1014, payment information acquisition unit 1015, request unit 1016, setting information acquisition unit 101 7, a settlement result acquisition unit 1018, and a notification unit 1019.

[0040] The communication unit 1011 is realized using the communication IF 503 provided in the settlement management device 101. The storage unit 1012 is realized by using the storage device 502 included in the payment management device 101. The identification information acquisition unit 1013, the association unit 1014, and the payment information acquisition unit 10 15, a request unit 1016, a setting information acquisition unit 1017, a payment result acquisition unit 1018, and a notification unit 1019 is a block diagram showing a process in which the processor 501 of the payment management device 101 executes the process stored in the storage device 502. This can be realized by executing a program. The storage medium storing the program can be computer readable. Even if it is a non-transitory computer readable medium, The non-transitory storage medium is not particularly limited, but may be, for example, a USB memory or a CD-ROM. It may also be a storage medium such as M.

[0041] The communication unit 1011 communicates with the payment management device 101, the user terminal 201, the payment execution device 301, and control communication between the settlement management device 101 and external devices including the member store terminal 401. do.

[0042] The storage unit 1012 stores various information used in the processing in the payment management device 101. The storage unit 1012 stores a payment method DB 10121, a user DB for each affiliated store 10122, and It has store-specific setting DB10123.

[0043] The information stored in the payment method DB 10121 will be described with reference to FIG. In the row DB10121, "user-specific payment method identification information" and "payment method" are associated. "User-specific payment method identification information" is stored in the payment management system 10. It is an ID that identifies a user and is assigned one ID per user. "Payment method" is information indicating the payment method used by the user for payment. The payment website provided by the management device 101 is provided with "user-specific payment method identification information" and By sending the authentication information, you can log in after being authenticated. When the "identification information" is generated, the payment management device 101 acquires authentication information from the user. In the payment management device 101, authentication information is associated with the "user-specific payment means identification information." Here, the authentication information is, for example, the user's biometric information (fingerprint, facial expression, etc.) ) or a password set by the user.

[0044] In the example in Figure 4, the user whose "User-specific payment method identification information" is "XXX1" has "Credit card A" is stored as "" and "User-specific payment method identification information" is " For the user "XXX2", "Credit card B" is stored as the "Payment method". Here, the credit card information specifically includes the card number, expiration date, etc. The payment method is not limited to credit cards, and can be any other payment method, such as For example, payment methods using electronic money may be stored. The process will be described later.

[0045] With reference to FIG. 5, the information stored in the member store user DB 10122 will be described. The member store user DB 10122 stores the user information of multiple member stores that use the payment management system 10. Each of these stores stores information for managing users. "User identification information by affiliated store", "User information", and "Payment method identification information by user" and "payment method" are stored in association with each other.

[0046] "User identification information by affiliated store" is the information that each affiliated store assigns to users in order for the affiliated store to manage users. The "member store user identification information" is, for example, an email address, a telephone number, etc. Any information necessary for the affiliated store to identify the user, such as a number, is acceptable, and each affiliated store can arbitrarily "User information" is information that can be set by each affiliated store as user information. This is information stored in association with "member store user identification information." " is a user's name, phone number, email address, other notes, etc., managed by each affiliated store. This information is deemed necessary for the purpose.

[0047] In the example shown in Figure 5, each of the three affiliated stores, A, B, and C, has a "User by Affiliated Store" "User identification information", "User information", "User-specific payment method identification information", and "Payment method" For example, the member store A stores " AAA1" is the "User-specific payment method identification information" "XXX1" and "Payment method" The merchant B stores the user's credit card number in association with the user's "Credit Card A." "XXX1" which is the "Means Identification Information" and "Credit Card A" which is the "Payment Method" Unlike "AAA1", which is the "user identification information by merchant" at merchant A, "BBB In this way, the member store user DB 10122 stores the member store user ID. For each merchant user identification information, a payment method identification information and a payment method are associated with each user. It is remembered with the name.

[0048] With reference to FIG. 6, the information stored in the member store setting DB 10123 will be described. The member store setting DB 10123 contains the settings of each of the multiple member stores that use the payment management system 10. However, the items of information that are deemed necessary to be acquired as user information and payment plan The member store setting DB 10123 stores the information of "User information setting items" and " The information is stored in the "Continuous Billing Plan" section.

[0049] In the "User Information Setting Items", each member store will be asked to provide the information they wish to obtain as user information. For example, affiliated store A acquires user information such as name and date of birth. In the payment management device 101, the "user information setting item" Similarly, merchant B acquires user information based on the information stored in the Merchant C will obtain the user's name and email address as user information. Getting the phone number is saved as a setting.

[0050] The "recurring billing plan" stores information about the pricing plans set by each affiliated store. The information on the fee plan is, for example, information on recurring payments. , the name of each plan is shown, but specifically, the information on recurring payments is as follows: For example, for each plan, the payment period is monthly and the payment amount is 5,000 yen. Information on the payment time and payment amount is stored.

[0051] The identification information acquisition unit 1013 acquires the user-specific payment method identification information (first identification information) and the affiliated store-specific payment method identification information (first identification information). Specifically, the identification information acquiring unit 1013 acquires the user identification information (second identification information). , acquires user-specific payment means identification information from the user terminal 201. 1013 may acquire authentication information in addition to the user-specific payment method identification information. The user authentication is performed based on the payment means identification information and the authentication information. 1013 acquires user identification information for each affiliated store from the user terminal 201 or the affiliated store terminal 401. The timing of acquiring each piece of identification information does not need to be always the same. For example, The identification information acquisition unit 1013 acquires one of the payment method identification information for each user or the user identification information for each affiliated store. It is also possible to obtain only one of them.

[0052] The associating unit 1014 associates the user identification information by affiliated store with the payment method identification information by user. The associating unit 1014 associates the information with the payment method based on the user-specific payment method identification information. The affiliated store user DB 10122 is referenced to identify the corresponding payment method. The unit 1014 associates the member store-specific user identification information with the identified payment method. 1014 updates the member store user DB 10122.

[0053] The payment information acquisition unit 1015 acquires user identification information for each affiliated store and payment amount information indicating the amount of payment. The payment information acquisition unit 1015 acquires payment information including the payment information from the user terminal 201, for example. Upon reading the code, the user identification information and payment amount for each merchant recorded in the code are The payment information acquisition unit 1015 acquires the payment amount and the payment amount information from the user terminal 201. User identification information for each affiliated store is generated based on the information read by the predetermined code. Alternatively, the payment information acquisition unit 1015 acquires the user identification number for each affiliated store. To display an input screen on the user terminal 201 for accepting input of the payment information and payment amount information The input screen information is generated, and the member store user identification is input from the user terminal 201 through the input screen. The payment information acquisition unit 1015 also acquires the payment amount information and the other information of the member stores. Payment information can be obtained from each affiliated store terminal.

[0054] The request unit 1016 requests a payment associated with the member store-specific user identification information based on the payment information. The request unit 10 transmits a request for payment processing to the payment execution device that executes the payment processing by the payment means. 16, the user terminal 201 accesses the payment execution device 301 via the payment management device 101. The user terminal 201 may relay information to the payment execution device 301 so that the Direct access information may be provided to the user terminal 201 .

[0055] The setting information acquisition unit 1017 transmits setting information for setting the input items of the user information to the affiliated store terminal 4. 01. The setting information acquisition unit 1017 acquires the setting information for each member store based on the acquired setting information. The setting information acquisition unit 1017 also updates the setting DB 10123. The setting information acquisition unit 10 acquires the payment setting information including the payment timing from the affiliated store terminal 401. The payment setting information acquisition unit 17 updates the member store setting DB 10123 based on the acquired payment setting information. The setting information acquisition unit 1017 acquires setting information or payment setting information from each of the member store terminals of the multiple member stores. It is possible to obtain certain information.

[0056] The payment result acquisition unit 1018 receives the payment result from the payment execution device 301 corresponding to the specified payment affiliated store. , and obtain the processing result of the payment processing.

[0057] The notification unit 1019 notifies the terminal that sent the payment request, that is, the user terminal 201 or the affiliated store terminal. The processing result of the payment process is notified to 401.

[0058] 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 communication unit for communicating with the payment management device 101 and the payment management device 102 by the user terminal 201. The storage unit 2012 controls communication with the outside, such as the transaction execution device 301. The display unit 2013 is, for example, a display. The input unit 2014 displays a screen to the user who operates the user terminal 201. The input unit 2014 controls the input of information to the terminal 201. For example, the input unit 2014 controls the input of information to the display unit 2013. The input unit 2014 receives information input from the user through the displayed screen. The input unit 20 receives image information via the image pickup 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. In response to the extracted information, the user terminal 201 communicates with the payment management device 101 etc. It is possible to do so.

[0059] 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 unit 3011 receives information necessary for payment of the payment amount from the payment management device 101 or the user terminal 201. For example, credit card information, payment service account information, etc. are acquired and used for payment processing. The payment execution device 301 transmits the payment result to the payment management device 101.

[0060] The affiliated store terminal 401 includes a communication unit 4011, a storage unit 4012, a display unit 4013, and an input unit The communication unit 4011 is configured to communicate with the payment management device 101 etc. by the member store terminal 401. The memory unit 4012 stores programs necessary for the operation of the affiliated store terminal 401. The display unit 4013 is, for example, a display, and The input unit 4014 displays a screen to the user who operates the member store terminal 401. Controls input.

[0061] The update process for the payment method DB 10121 will be described with reference to Figure 7. Step S7 At 01, the user terminal 201 reads a predetermined code.

[0062] In step S702, the payment method is input from the user terminal 201 to the payment management device 101. In step S703, the payment management device 101 sends a screen request to the user. In step S704, the information on the payment method input screen is sent to the user terminal 201. The user inputs the payment method information through the payment method input screen displayed on the user terminal 201. For example, payment method information including credit card number, expiration date, etc., and authentication information to the settlement management device 101.

[0063] In step S705, the payment management device 101 sends the user-specific payment means identification information to the user. In step S706, the payment management device 101 generates a Associate the payment method information with the user-specific payment method identification information and update the payment method DB 10121 At this time, the authentication information is associated with the user-specific payment method identification information. Step S707 In the above, the payment management device 101 uses the user-specific payment method identification number generated in the user terminal 201. From the next time onwards, the user will be able to use the payment method based on the user-specific payment method identification information and authentication information. Payment can be made by logging in to a website provided by the payment management device 101. It becomes Noh.

[0064] The update process for the member store setting DB 10123 will be described below with reference to FIG. The member store logs in to the website provided by the payment management device 101 using their own account. It is assumed that the payment management device 101 is able to identify the affiliated store. Step S8 In step S01, the member store terminal 401 acquires setting information from the member store user. In 802, the setting information acquisition unit 1017 acquires setting information from the member store terminal 401. In step S803, the setting information acquisition unit 1017 checks the member store setting DB 10123. Update.

[0065] In step S804, the member store terminal 401 acquires payment setting information from the member store user. In step S805, the setting information acquisition unit 1017 receives the setting information from the affiliated store terminal 401. In step S806, the setting information acquisition unit 1017 acquires the payment setting information. Update the separate setting DB10123. Note that the acquisition and update of setting information is performed in accordance with the acquisition of payment setting information. The acquisition and update do not need to be performed simultaneously, and each process can be performed at any timing. can be done.

[0066] 9, 10, 11, and 12, the payment processing in the payment management system 10 will be described. Here, the code contains the information of the merchant to which payment is made and the information entered through the merchant terminal. The following will explain an example in which payment amount information is embedded. The information is acquired by inputting through the customer terminal 201 or inputting through the affiliated store terminal 401. Alternatively, the information may be acquired separately via the

[0067] In step S901, the user terminal 201 reads the code provided by the member store. conduct.

[0068] In step S902, the user terminal 201 displays a payment information input screen on the payment management device 101. The payment information input screen request is sent as shown in Figure 10. The payment information request screen 1001 is a predetermined Payment destination display field 10011 and method selection field that display information about the payment based on the code A button 10012 is provided. When the user selects the method selection button 10012, the request The EST is sent to the payment management device 101.

[0069] In step S903, the payment management apparatus 101 issues an authentication link to the user terminal 201. In step S904, the identification information acquisition unit 1013 transmits the request to the user terminal. The payment method identification information and authentication information for each user are acquired from the terminal 201. If so, the subsequent processing will proceed.

[0070] In step S905, the identification information acquisition unit 1013 acquires the authentication result based on the authentication result. The identification information acquisition unit 1013 acquires the user-specific payment method identification information corresponding to the result of the transaction. The payment method corresponding to the separate payment method identification information is identified.

[0071] In step S906, the identification information acquisition unit 1013 acquires the information on the payment method confirmation screen from the user. In step S907, the payment information is input to the user terminal 201. The power screen will be displayed.

[0072] 11 shows an example of a payment method confirmation screen 1101. 101 includes a payment information display area 11011, selection buttons 11012a and 11012b, and It has a progress button 11013. The payment information display area 11011 displays the payment information based on a predetermined code. In the example in Figure 11, a 5,000 yen transaction at merchant A is A message will be displayed indicating that payment will be made. The payment method confirmation screen 1101 displays the user-specific payment method identification. The user can select the payment method by pressing the selection buttons 11012a, 11012b, 11012c, 11012d, 11012e, 11012f, 11012g, 11012h, 11012h, 11012i, 11012j ...i, 11012j, 11 By selecting 012b, you can select a registered payment method or register a new payment method. It is possible to have multiple registered payment methods. For example, if a user registers a payment method, If you want to change it, you can select 11012b and enter the new payment method information. When the user selects the proceed button 11013, the payment procedure is started in step S908. The selection result of the row is transmitted to the payment management device 101.

[0073] In step S909, the identification information acquisition unit 1013 receives the member store-specific user identification information input. The identification information acquisition unit 1013 generates information for the screen. According to the entered setting information, information for the member store-specific user identification information input screen is generated.

[0074] In step S910, the identification information acquisition unit 1013 transmits the member store ID number to the user terminal 201. The information on the user identification information input screen is transmitted.

[0075] In step S911, a member store user identification information input screen is displayed on the user terminal 201. is shown.

[0076] FIG. 12 shows an example of an affiliated store-specific user identification information input screen 1201. The store-specific user identification information input screen 1201 includes a payment information display area 12011, a user information input area 12012, and a payment information display area 12013. column 12012, user information input column 12013, user information input column 12014, and progress button Has Tan 12015.

[0077] Payment information display area 12011 displays information about the payment. In 2012, an input area for entering user identification information for each affiliated store is displayed. The information input fields 12013 and 12014 display input areas for inputting user information. The identification information input field 12012 is an input field for the member ID as user identification information for each affiliated store. The user information input field 12013 displays a field for inputting the user's name. The input field 12014 displays an input field for the date of birth. In the example of Figure 12, the member ID is the account ID managed by the merchant A, which is the payment recipient. The member store user identification information "AAA1" is input. In step 23, the "Name" and "Date of Birth" information set by the affiliated store A is entered. At this time, the member ID information is transmitted to the user by, for example, the person in charge of the affiliated store, and the transmitted information The user inputs the following.

[0078] When the proceed button 12015 is selected, the payment information is acquired in step S912. The unit 1015 acquires payment information including user identification information for each affiliated store and payment amount information. In this case, the identification information acquisition unit 1013 also acquires user information.

[0079] In step S913, the associating unit 1014 associates the already acquired user-specific payment means Based on the identification information, the association unit 10 associates the payment method with the member store-specific user identification information. 14 updates the member store user DB 10122. When the information shown in FIG. In this case, the associating unit 1014 associates the member store user ID with the member store user DB 10122. The user's payment method identification information and payment method are "XXX1" and "AAA1". and "Credit Card A" and update the affiliated store user DB 10122.

[0080] In step S914, the request unit 1016 receives the user ID associated with the member store user identification information. Based on the payment method selected, a payment processing request for the payment amount is sent to the payment execution device 301. For example, in the example in Figure 12, the payment will be made by a user with the member ID "AAA1", so The payment is made using "Credit Card A" as the payment method. The payment execution device 301 that executes the payment using the credit card A is identified, and the identified A request is sent to the payment execution device 301.

[0081] In step S915, the settlement unit 3011 performs settlement processing. The device 301 receives information necessary for payment, such as a credit card number, from the user terminal 201 as needed. A password or passcode for card payment may also be obtained.

[0082] In step S916, the payment result acquisition unit 1018 receives the payment result from the payment execution device 301. Obtain the results.

[0083] In step S917, the notification unit 1019 notifies the user terminal 201 of the settlement result. .

[0084] Other examples of screens in the payment management system 10 will be described with reference to FIGS. 13 and 14. In this example, a user whose user-specific payment method identification information is "XXX1" is The user enters the code provided by affiliated store B into the user terminal 201. In the case of affiliated store B, the process from step S901 to step S The process up to 908 is the same as the process described above for affiliated store A.

[0085] FIG. 13 shows a payment method confirmation screen 1301 displayed by the processing in step S907. On the payment method confirmation screen 1301, the payment information display area 13011 displays the details of the payment recipient's membership. Information that the store is B and the payment amount are displayed. At this time, the selection button 1301 The credit card information corresponding to 2a is stored in the member store user DB10122. The information of "Credit card A" corresponding to the other user identification information is displayed on the payment method confirmation screen 110 It will be displayed in the same way as in 1. You can also update the card information by selecting the selection button 13012b. When the proceed button 13013 is selected, the confirmation result is sent to the payment management device 101. do.

[0086] In FIG. 14, the process from step S909 to step S911 is performed on user terminal 2. 14. The affiliated store user identification information input screen 1401 displayed on page 01 is shown.

[0087] In the member store user identification information input screen 1401, the payment information display area 14011 displays the payment information. In the identification information input field 14012, the user identification information for each affiliated store is displayed. An input area for inputting user information is displayed. An input area for inputting user information is displayed. An input field for member ID as store-specific user identification information is displayed. User information input field 1401 In the user information input field 14014, an email address can be entered. Each piece of information is input through the user terminal 201. In the example of FIG. , and the member ID is "B" which is the user identification information for each merchant managed by the merchant B, the payment destination. BB1" is entered. Also, in the member store setting DB10123, In addition, the information "Name" and "Email address" is entered.

[0088] When the proceed button 14015 is selected, the payment information acquisition process is performed in step S912. The unit 1015 acquires payment information including user identification information for each affiliated store and payment amount information. In this case, the setting information acquisition unit 1017 also acquires user information.

[0089] In step S913, the associating unit 1014 associates the already acquired user-specific payment means Based on the identification information, the association unit 10 associates the payment method with the member store-specific user identification information. 14 updates the member store user DB 10122. When the information shown in FIG. In this case, the associating unit 1014 associates the member store user ID with the member store user DB 10122. The user's payment method identification information and payment method are "XXX1" and "BBB1". and "Credit Card A" and update the affiliated store user DB 10122. The same payment process is carried out.

[0090] In this way, the payment management device 101 allows each member store to manage user identification information for each member store. While still being able to link common payment methods.

[0091] 15 to 18, the payment process based on the user identification information for each affiliated store will be described. Here, the member store terminal 401 of member store A sends a payment request to the payment management device 101. The case where the payment processing is performed will be described as an example. Log in to the website provided by using your own ID and password It shall be.

[0092] In step S1501 of FIG. 15, the payment information acquisition unit 1015 Here, a request for payment information input screen is received from the Step S In 1502, the payment information acquisition unit 1015 generates information for the payment information input screen. In step S1503, the payment information acquisition unit 1015 inputs payment information to the affiliated store terminal 401. Send the information on the input screen.

[0093] 16 shows an example of a payment information input screen 1601. 01 includes an identification information input field 16011, a payment information input field 16012, and a confirmation button 160 13. In step S1504, an identification information input field 16011, a payment information input field 16021, and a payment information input field 16031 are displayed. Payment information is acquired by inputting information into field 16012.

[0094] In the identification information input field 16011, the user identification information for each affiliated store is input. In the example of FIG. 16, information about the payment is entered in the field 16012. The member ID "AAA1" is entered as the member store user identification information. Payment information entry field 1 6012 contains the recurring billing plan set by merchant A in the merchant setting DB10123. The recurring billing plan, "Plan A", is entered. For example, the recurring billing plan can be entered by directly entering the plan. This is done by selecting a plan from a list of multiple billing plans that have been set up. When the confirm button 16013 is selected, in step S1505, the payment information acquisition unit 1015 acquires payment information.

[0095] In step S1506, the payment information acquisition unit 1015 acquires the billing plan included in the payment information. Based on the run, the affiliated store user DB 10122 is updated. 17 shows an example of the separate user DB 10122. In the example of FIG. 17, the separate user DB 10122 is The identification information "AAA1" is associated with "Plan A" as recurring payment information.

[0096] In step S1507, the request unit 1016 refers to the member store user DB 10122. In the example of Figure 17, "Credit card A" is selected as the payment method. The request unit 1016 is a payment execution unit that executes payment using "credit card A." The payment execution device 301 is identified, and a request is sent to the identified payment execution device 301.

[0097] In step S1509, the settlement unit 3011 performs settlement processing. In step 0, the payment result acquisition unit 1018 acquires the payment result from the payment execution device 301. In step S1511, the notification unit 1019 notifies the user terminal 201 of the settlement result.

[0098] By carrying out the above process, payment can be made without reading the code through the user terminal 201. In the case of recurring payments, the processing from step S1507 onwards The process is carried out according to the recurring settlement settings.

[0099] Furthermore, the affiliated store terminal 401 inputs the following information via a payment information input screen 1801 as shown in FIG. Payment may be made each time. 1, the user identification information for each affiliated store and the decision to be entered in the payment information input field 18012. Based on the payment amount, the decision is managed by the order ID entered in the management information input field 18013. When the confirm button 18014 is selected, the process proceeds to step S150. The process from step 7 onwards will be carried out and payment will be executed.

[0100] In this way, the payment is made through the payment management system 10. allows multiple affiliated stores to manage users using their own user identification information. While doing so, the payment method associated with the user identification information for each affiliated store and the payment method identification information for each user is By associating the payment method with the payment method, payment can be made using the user identification information for each affiliated store. While maintaining the convenience of user payments, we aim to improve the convenience of user management for affiliated stores. This makes it possible to

[0101] The above-described embodiments are intended to facilitate understanding of the present invention and are not intended to limit the present invention. The elements of the embodiment and their arrangement, condition, and shape are not intended to be interpreted as a single entity. The dimensions and size are not limited to those shown as examples and can be changed as appropriate. [Explanation of symbols]

[0102] 10...payment management system, 101...payment management device, 201...user terminal, 301...payment Execution device, 401... affiliated store terminal, 1013... identification information acquisition unit, 1014... association unit, 1 015: payment information acquisition unit, 1016: request unit, 1017: setting information acquisition unit

Claims

1. A predetermined code is sent to the application installed on the user's device used by the user making the payment. An information processing device in a system in which payment is made by reading a card in a communication, First identification information for identifying the user and a payment means associated with the first identification information a storage unit in which the information is stored; The first identification information and a second identification information for identifying the user by a member store that performs a settlement with the user an identification information acquisition unit that acquires the second identification information; An association that associates the second identification information with the payment means based on the first identification information. With and acquiring payment information including the second identification information and payment amount information indicating the amount of the payment. A payment information acquisition unit; A payment is made by the payment means associated with the second identification information based on the payment information. a request unit that transmits a request for the payment processing to a payment execution device of a payment affiliated store that executes the processing; An information processing device comprising:

2. 2. The information processing device according to claim 1, The identification information acquisition unit is used for the affiliated store to manage the user, and the second identification information acquisition unit The information processing device further acquires user information associated with the information.

3. 3. The information processing device according to claim 2, obtaining setting information for setting input items of the user information from the terminal of the affiliated store; The information processing device further comprises an information acquisition unit.

4. 2. The information processing device according to claim 1, the payment information acquisition unit acquires the payment information from a terminal of the affiliated store, 。

5. 5. The information processing device according to claim 4, The settlement information is information indicating a recurring settlement to be made at a predetermined settlement time. Processing equipment.

6. 6. The information processing device according to claim 5, The payment setting information including the payment timing of the recurring payment is obtained from the terminal of the affiliated store. The information processing device further includes a setting information acquisition unit.

7. 2. The information processing device according to claim 1, The identification information acquisition unit is configured to acquire the first identification information from a first member store that is different from the first identification information. a second affiliated store acquires third identification information that identifies the user; The associating unit associates the third identification information with the payment means based on the first identification information. Associate the The payment information acquisition unit acquires the third identification information and a payment information between the user and the second affiliated store. and second payment amount information indicating the amount of the payment, The request unit requests the payment information associated with the third identification information based on the second payment information. a second payment execution device of a second payment affiliated store that executes a second payment process by a payment means; An information processing device that transmits a request for payment processing.

8. 8. The information processing device according to claim 7, The identification information acquisition unit is used for the first affiliated store to manage the user, and the second affiliated store First user information associated with the identification information and management of the user by the second affiliated store. and second user information associated with the third identification information. Device.

9. 9. The information processing device according to claim 8, First setting information for setting input items of the first user information is acquired from the terminal of the first affiliated store. and transmits second setting information for setting input items of the second user information from the terminal of the second affiliated store. and a setting information acquisition unit that acquires setting information from the setting information acquisition unit.

10. A predetermined code is sent to the application installed on the user's device used by the user making the payment. In a system where payments are made by scanning the card on the On the computer, First identification information for identifying the user and a payment means associated with the first identification information To remember and The first identification information and a second identification information for identifying the user by a member store that performs a settlement with the user 2. obtaining identification information; associating the second identification information with the payment means based on the first identification information; 、 and acquiring payment information including the second identification information and payment amount information indicating the amount of the payment. And, A payment is made by the payment means associated with the second identification information based on the payment information. Sending a request for the payment process to a payment execution device of a payment affiliated store that executes the process. Run the program.

11. A predetermined code is sent to the application installed on the user's device used by the user making the payment. An information processing method in which payment is made by reading a card at an application, The computer First identification information for identifying the user and a payment means associated with the first identification information To remember and The first identification information and a second identification information for identifying the user by a member store that performs a settlement with the user 2. obtaining identification information; associating the second identification information with the payment means based on the first identification information; 、 and acquiring payment information including the second identification information and payment amount information indicating the amount of the payment. And, A payment is made by the payment means associated with the second identification information based on the payment information. Sending a request for the payment process to a payment execution device of a payment affiliated store that executes the process. Including, information processing methods.

Images