Payment intermediary device, payment intermediary method, and payment intermediary program

Abstract

To perform settlement by using a discount service without depending on a payment provider selected by the user A payment intermediation device is provided that enables this. 【Solution means】The payment intermediation device 1 includes payment destination identification information for identifying a payment destination, a payment identification information for identifying a settlement, and a settlement information acquisition unit that acquires settlement information including the settlement amount to be settled from the user terminal 2 used by the user who performs settlement, and a discount amount calculation unit that calculates a discount amount to be discounted from the settlement amount based on a discount rate stored in association with policy identification information for identifying a policy applied to the payment destination At the same time, a calculation unit that calculates the amount obtained by subtracting the discount amount from the settlement amount as the payment amount, an amount presentation unit that presents the calculated payment amount and discount amount to the user terminal 2, and a payment provider presentation unit that presents a plurality of payment providers that can be selected as the settlement request destination to the user terminal 2, and is provided with . ​

Description

Technical Field

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

Background Art

[0002] Currently, many settlement service providers offer settlement services using two-dimensional codes. When a user makes a payment at a store, by operating a smartphone, the user can start an application of the settlement service to be used and make a payment by performing a predetermined operation. possible

[0003] In a settlement service using a two-dimensional code, there is a method of reading a two-dimensional code installed in a store or the like with a user's smartphone. In addition, there is a system that enables a store or the like that has contracts with multiple settlement service providers to let the user read one two-dimensional code that can be read by each application provided by each settlement service provider, enabling settlement by each settlement service provider. Patent Document 1 discloses a settlement service using a two-dimensional code.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] In the settlement service of Patent Document 1, settlement is performed by different applications for each settlement service provider. Therefore, before making a settlement, the user must conclude a contract with one of the settlement service providers. You will pay after you have checked. In such payment services, for example, some payment processes If only the vendor is implementing campaigns or other measures, choose a payment service provider other than the vendor. If you pay in advance, you will miss the opportunity to receive the services offered through the program.

[0006] Therefore, the present invention utilizes discount services without depending on the payment service provider selected by the user. To provide a payment intermediary device, payment intermediary method, and payment intermediary program that can facilitate settlements. The purpose is to achieve this. [Means for solving the problem]

[0007] A settlement intermediary device according to one aspect of the present invention includes payee identification information for identifying the payee, and an identification for identifying the settlement. The payment information, including the payment identification information and the payment amount, is used by the user making the payment. - A payment information acquisition unit that obtains payment information from the terminal and a policy identification unit that identifies the policy applied to the payee. Based on the discount rate stored in the report, the discount amount to be deducted from the payment amount is calculated. In addition, a calculation unit calculates the payment amount by subtracting the discount amount from the settlement amount, The calculated payment amount and discount amount are displayed on the user terminal by the amount display unit, and the payment request is handled by the payment request recipient. A payment service provider display unit that presents multiple selectable payment service providers to the user terminal, and El.

[0008] Another aspect of the present invention is a settlement intermediation method that is performed by a processor, The payment recipient identification information identifies the payment recipient, the payment identification information identifies the payment, and the payment amount to be settled. The steps include obtaining payment information from the user terminal used by the user making the payment, and the payment recipient. Based on the discount rate stored in association with policy identification information that identifies the applicable policy. The discount amount to be deducted from the payment amount is calculated, and the amount obtained by subtracting the discount amount from the payment amount is calculated. The steps involve calculating the amount as the payment amount, and then sending the calculated payment amount and discount amount to the user. The steps presented at the end, along with the multiple payment service providers that can be selected as the payment request destination, are presented to the user. This includes the steps presented at the end.

[0009] A payment intermediary program according to another aspect of the present invention provides a computer to identify the payee. Payment information including payee identification information, payment identification information to identify the payment, and payment amount to be settled. A payment information acquisition unit that obtains information from the user terminal used by the user making the payment, and the payment method applied to the recipient. Based on the discount rate stored in association with the policy identification information that identifies the policy, from the payment amount The discount amount to be deducted is calculated, and the amount remaining after subtracting the discount amount from the settlement amount is the payment amount. The calculation unit calculates the amount, and the calculated payment amount and discount amount are displayed to the user terminal. The display unit presents the user terminal with multiple payment service providers that can be selected as the payment request destination. It will function as a vendor information desk.

[0010] According to these embodiments, payment information including payee identification information, payment identification information and payment amount is used. By obtaining it from the user terminal, it supports policy identification information that identifies the policy applied to the payee. The discount amount is calculated based on the applicable discount rate, and that calculated discount amount is deducted from the payment amount. The payment amount can be calculated. In addition to the calculated payment amount and discount amount, the settlement The system can display multiple payment service providers that users can choose from on their terminals.

[0011] This allows users to see the payment amount and discount amount after the discount service has been applied. After confirmation, it becomes possible to select a desired payment provider and make a payment.

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

[0013] As a result, when the user uses any store existing in the area to which the measure is applied, it becomes possible to receive the discount service according to the measure. In this case, it becomes possible to receive the discount service according to the measure.

[0014] In the above aspect, it may further include a reception unit that receives a request for settlement processing for the settlement provider selected from among a plurality of selectable settlement providers from the user terminal, a transmission unit that transmits the request for settlement processing to the settlement execution device of the settlement provider corresponding to the request for settlement processing, a settlement result acquisition unit that acquires the result of the settlement processing executed in response to the request for settlement processing from the settlement execution device, and a settlement result presentation unit that presents the result of the settlement processing to the user terminal. A reception unit that receives a request for settlement processing for the settlement provider selected from among a plurality of selectable settlement providers from the user terminal, a transmission unit that transmits the request for settlement processing to the settlement execution device of the settlement provider corresponding to the request for settlement processing, a settlement result acquisition unit that acquires the result of the settlement processing executed in response to the request for settlement processing from the settlement execution device, and a settlement result presentation unit that presents the result of the settlement processing to the user terminal. ​​​​​​​​​​​​​​​​​​​​​​​​​​​​It is possible to check the overall budget balance for all payment service providers without having to consider the balances of individual payment service providers. It becomes Noh.

[0018] In the above embodiment, the storage unit applies a discount rate when certain conditions are met. The first discount rate and the second discount rate that applies when the specified conditions are not met are further described. Furthermore, the first discount rate may be greater than the second discount rate.

[0019] This means that the business sponsoring the initiative can set conditions for offering preferential discount rates, and those conditions It will be possible to apply a larger discount rate to users who meet the criteria.

[0020] In the above embodiment, the calculation unit, when the predetermined conditions are met, uses the first discount rate While calculating the discount amount, if the specified conditions are not met, a second discount rate will be used to apply the discount. You may calculate the amount.

[0021] This means that the business sponsoring the initiative will be able to determine the discount amount for users who meet the specified conditions. This makes it possible to create a difference in the discount amount for users who do not meet the specified conditions.

[0022] In the above embodiment, the predetermined condition is that the user resides in a specific area. That's good too.

[0023] This allows the sponsoring company to target users residing in a specific area. This makes it possible to apply a larger discount rate.

[0024] In the above embodiment, the calculation unit calculates the first discount if the user resides in a specific area. While the discount amount is calculated using a rate, if the user does not reside in a specific area, the second You may calculate the discount amount using a 20% discount rate.

[0025] This means that the businesses sponsoring the initiative can offer discounts to users residing in a specific area. This makes it possible to create a difference in the discount amount for users who do not reside in a specific area. ru.

[0026] In the above embodiment, whether or not a user resides in a specific area is determined by the user's minority The decision may also be made based on information such as a membership card.

[0027] This makes it possible to accurately determine the area where the user resides.

[0028] In the above embodiment, the calculation unit uses available forecasts stored in association with policy identification information. If the calculated amount is less than the calculated discount amount, the discount amount will be set to 0 and the settlement amount will be set to the payment amount. It may also be calculated as follows.

[0029] This allows businesses sponsoring the initiative to implement discount services within the budget they have set. This becomes possible. [Effects of the Invention]

[0030] According to the present invention, a discount service can be used to determine payment without depending on the payment service provider selected by the user. To provide a settlement intermediary device, settlement intermediary method, and settlement intermediary program that can complete settlements. It is possible. [Brief explanation of the drawing]

[0031] [Figure 1] This is a diagram showing an example of the configuration of a payment management system. [Figure 2] This figure shows an example of the hardware configuration of a payment management device. [Figure 3]This figure shows an example of the data structure of incentive budget information. [Figure 4] This figure shows an example of the functional configuration of a payment intermediary device. [Figure 5] This figure shows an example of a payment information input screen. [Figure 6] This figure shows an example of a payment service provider selection screen. [Figure 7] This figure shows an example of a payment result screen. [Figure 8] This is a sequence chart illustrating an example of the payment processing flow in a payment management system. [Modes for carrying out the invention]

[0032] A preferred embodiment of the present invention will be described with reference to the attached drawings. Those bearing the same reference numeral have the same or similar configuration.

[0033] [Overview of the payment management system] Figure 1 shows a schematic configuration of the payment management system 100 including the payment intermediary device 1 according to this embodiment. This is an illustrative diagram. The payment management system 100 includes a payment intermediary device 1 and user terminals 2a, 2b. It includes user terminals 2a, 2b, 2c, and payment execution devices 3a, 3b, 3c. c, and payment execution devices 3a, 3b, 3c may exist in multiple quantities, but they will not be particularly distinguished below. If it is not necessary, refer to it as User Terminal 2 and Payment Execution Device 3.

[0034] The settlement intermediary device 1 executes a predetermined program stored in the storage device of the settlement intermediary device 1. This is a server device that performs predetermined processing by doing so. These predetermined processing tasks include, for example, user and payment processing. This includes various processes for mediating payments with vendors. Here, the payment service provider, for example, Credit cards and payment methods such as XX Pay, which enables electronic payments. They are a business that provides [the service].

[0035] User terminal 2 is, for example, an information processing device used by the user, such as a smartphone or a tablet. These include tablet devices and personal computers. User terminal 2 is an imaging device such as a camera. It has the ability to obtain information from a 2D code.

[0036] The payment execution device 3 executes a predetermined program stored in the storage device of the payment execution device 3. This is a server device that performs predetermined processing by doing so. These predetermined processing tasks include, for example, user and payment processing. This includes various processes related to settlements with vendors.

[0037] The payment intermediary device 1 and the user terminal 2 are connected via network N1 so that they can communicate with each other. The settlement intermediary device 1 and the settlement execution device 3 are connected to communicate via network N2. .

[0038] The general procedure for payment processing performed in the payment management system 100 is as follows: The main points are explained below. Transactions subject to settlement include, for example, the provision of services such as cleaning, and games. This includes various transactions such as using facilities and purchasing goods.

[0039] First, the user making the payment in the transaction is presented by the payment recipient, such as a store. The user terminal 2 reads the predetermined code (e.g., a 2D code), and the payment intermediary device reads it. Access 1.

[0040] Next, user terminal 2 transmits the information necessary for payment to payment intermediary device 1.

[0041] Here, the information required for payment includes, for example, payee information about the recipient and information identifying the payment. This includes payment identification information and the payment amount to be settled. Payment identification information is provided to the user. Information used to identify services, product codes used to identify products sold to users, etc. That's fine.

[0042] Payment identification information and payment amount information may be recorded as data in a predetermined code. Alternatively, input may be made from a screen displayed on user terminal 2, etc.

[0043] Next, the payment intermediary device 1, if there are any campaigns or other measures applicable to the payee, Based on the discount rate corresponding to that measure, the discount amount is calculated and that discount amount is deducted from the payment amount. The payment amount will be calculated after deducting the discount. Details of the discount service under this measure will be described later. ru.

[0044] Next, the payment intermediary device 1 receives the designation of a payment service provider from the user terminal 2, and the designated A payment processing request is sent to the payment execution device 3 of the payment service provider.

[0045] Next, the settlement execution device 3 executes the settlement process and transmits the settlement result to the settlement intermediary device 1. ru.

[0046] Next, the payment intermediary device 1 notifies the user terminal 2 that the payment has been completed, and the payment is finalized. To make someone do it.

[0047] [Configuration of the payment intermediary device] Referring to Figure 2, an example of the hardware configuration of the settlement intermediary device 1 will be described. Intermediate device 1 consists of a CPU (Central Processing Unit) and a GPU (Graphical Processing Unit). ) such as processor 11, memory, HDD (Hard Disk Drive) and / or SSD (Solid S) A storage device 12 such as a terminal drive, and a communication interface 13 for wired or wireless communication. To possess.

[0048] The storage device 12 contains programs 121 for realizing various functions of the settlement intermediary device 1, This unit functions as a memory unit that stores data 122 and other data used in program 121.

[0049] Data 122 includes, for example, incentive budget information data. Live budget information is used in campaigns and other initiatives to increase incentives for using payment methods. This information is set by each of the businesses that sponsor the measures (hereinafter also referred to as "sponsoring businesses"). ru.

[0050] Here, the measures are, for example, implemented by local governments such as prefectures and municipalities, or by businesses such as member stores. The organizer sets up the program. The stores implementing the program will determine the scope of application and participating stores through the organizing business. It can be determined by the appointing party. For example, when a local government is the sponsoring entity. This involves designating member stores located within the area under the jurisdiction of the local government as stores where the measures will be implemented. This is possible. On the other hand, if the organizing body is a business other than a local government, for example, a specific area Stores located in area A, or your own member stores, can be designated as stores where the measures will be implemented. In this model, users make payments to stores implementing the campaign using the payment service provider's payment methods. By participating, you can receive discount services through that policy.

[0051] Refer to Figure 3 to explain the data structure of incentive budget information. The budget information includes data items such as policy identification information to identify the policy, budget amount, and It can include a discount rate.

[0052] The budget amount can, for example, be used as a discount amount that all payment service providers deduct from the payment amount. Data showing the amount (balance) of the available budget is stored here.

[0053] The discount rate includes data that shows the discount rate used when calculating the discount amount due to the measure. It will be stored.

[0054] [Functions of the payment intermediary device] Referring to Figure 4, the functional configuration of the settlement intermediary device 1 will be described. For example, a payment information acquisition unit 111, a calculation unit 112, an amount presentation unit 113, and a payment service provider. Display unit 114, reception unit 115, transmission unit 116, settlement result acquisition unit 117, settlement result It has a display section 118 and a section. Details of each section are described below.

[0055] The payment information acquisition unit 111 acquires payment destination information, payment identification information, and payment information related to the payment destination, such as a store. The payment information, including the amount paid, is obtained from the user terminal 2 used by the user making the payment. The information can be entered by the user or contained in a predetermined code read by user terminal 2. It is permissible. If a user is to input information, the payment information input screen will be displayed on user terminal 2. It is preferable to do so.

[0056] Payee information includes, for example, payee identification information that identifies the payee, and information about the contact person at the payee. This payment recipient information may include policy identification information of the policy applicable to the payment recipient. You may or may not include the payment information. If you do not include it, the payment information will be included in the payment recipient information. Based on the recipient identification information, the policy identification information of the policy applicable to that payee can be identified. It is preferable to do so. If there are multiple measures applicable to the payee, support one of the measures. The recipient's representative or user may be given the option to choose how to pay.

[0057] Figure 5 shows an example of the payment information input screen 5a. The payment information input screen 5a includes, as an example, Display field 5b for displaying the payee, input field 5c for entering the receipt number, and input field for entering the payment amount. An input field 5d and a “Select Payment Method” button 5e are provided.

[0058] The payee information field 5b displays information about the payee. Figure 5 shows that the payee is "stock company". It is displayed that the company is "XXXX Co., Ltd." and the payee is "XXXX" of "XX Store". The payment recipient information is contained in a predetermined code read by user terminal 2. Alternatively, the data contained in the predetermined code may be associated with the storage device 1 of the settlement intermediary device 1. It may be stored in 2, etc.

[0059] In the input field 5c for the reception number, enter the reception number as payment identification information. The reception number is, The user can enter the number they received from the person in charge, or the person in charge can enter it.

[0060] In the payment amount input field 5d, enter the payment amount. The payment amount is... The user can enter the amount they heard from the person, or the person in charge can enter it.

[0061] The user and staff member confirm the contents of the payment information input screen 5a and select "Select payment method". Pressing button 5e will take you to the payment provider selection screen, which will be described later.

[0062] Returning to the explanation of Figure 4, the calculation unit 112 in Figure 4 uses the policy identification information of the policy applicable to the payee. The discount amount to be deducted from the payment amount is calculated based on the discount rate that is associated with it and stored in memory. The calculation unit 112 subtracts the calculated discount amount from the settlement amount to calculate the payment amount.

[0063] The amount display unit 113 displays the payment amount and discount amount calculated by the calculation unit 112 to the user. Present this to terminal 2. Refer to Figure 6 for a detailed explanation.

[0064] Figure 6 shows an example of the payment service provider selection screen 6a. The payment service provider selection screen 6a includes For example, a display field 6b for displaying payment details and a selection button 6c for selecting a payment service provider. Buttons 6d, 6e, and 6f, as well as a "Proceed to Payment" button 6g, are provided.

[0065] The payment details display field 6b shows the payment amount 6ba calculated by the calculation unit 112 and the discount amount. The amount 6bb is displayed.

[0066] The discount amount 6bb displayed in the payment details section 6b is the discount amount applicable to the policy applied to the payee. It is calculated based on identification information. Figure 6 illustrates the policy information of the policy applied to the payee. Another piece of information is “0004” in Figure 3, and the allocation stored in correspondence with this “0004” The discount amount of 6bb is calculated based on the "10%" discount for the group.

[0067] In other words, the "100,000 yen" entered in the payment amount input field 5d in Figure 5 is discounted by the discount rate. A certain "10%" is applied, and a discount amount of 6bb is calculated, resulting in "10,000 yen". It is displayed in section 6b. And, from the payment amount of "100,000 yen", the discount amount The amount of 6bb, which is "10,000 yen," is deducted, and the payment amount becomes 6ba, which is "90,000 yen." The result is calculated and displayed in display field 6b.

[0068] The payment details section 6b displays the payment amount 6ba and discount amount 6bb, as well as the payee. The company name "○○○ Co., Ltd." and the receipt number "123456" as payment identification information are displayed. Yes, they are.

[0069] Returning to the explanation of Figure 4, the calculation unit 112 in Figure 4 applies the calculated discount amount to the payee. The amount is deducted from the available budget amount stored in association with the policy identification information of the policy, and stored in memory. Update the available budget amount stored in 12 (see Figure 3).

[0070] Here, the calculation unit 112 stores the policy identification information of the policy applicable to the payee in association with it. If the available amount is less than the calculated discount amount, the discount amount will be set to 0. The settlement amount may be used as the payment amount. This allows for discount services within the budget. It will become possible to implement this.

[0071] The payment service provider display unit 114 in Figure 4 displays multiple payment service providers that can be selected as the payment request destination. , and present it to user terminal 2. Specifically, the payment service provider presentation unit 114 displays the payment service provider selection screen. The following is displayed on user terminal 2, and among the multiple payment providers provided on the payment provider selection screen... The system accepts the user's selection of the desired payment service provider. See Figure 6 for a detailed explanation. ru.

[0072] The selection buttons 6c, 6d, 6e, and 6f on the payment provider selection screen 6a in Figure 6 are as desired by the user. This is an option button for the user to select a payment service provider. For example, a selection button. If you select 6c, "credit card" will be selected as the payment method, and the selection button 6d When selected, "Apay" is selected as the payment method, and when you select button 6e, If "Bpay" is selected as the payment method, and you select the selection button 6f, then the payment method will be " "Cpay" is selected.

[0073] Details regarding the payment details display field 6b and the "Proceed to Payment" button 6g will be explained later. ru.

[0074] Returning to the explanation of Figure 4. The reception unit 115 in Figure 4 is for the payment service provider selected by the user. The payment processing request is received from user terminal 2.

[0075] The transmission unit 116 transmits the payment service provider's information in response to the payment processing request received from the user terminal 2. A payment processing request is sent to the payment execution device 3. This will be explained in detail with reference to Figure 6.

[0076] In Figure 6, on the payment provider selection screen 6a, the user selects a payment provider and clicks "Proceed to payment procedure". When button 6g is pressed, a payment processing request from the selected payment service provider is sent to the payment intermediary device 1. The message is sent. In Figure 6, "Cpay" is selected as the payment provider, corresponding to the selection button 6f. Therefore, when the “Proceed to Payment” button 6g is pressed, “Cpay” will be displayed. A payment processing request will be sent to the payment execution device 3.

[0077] Returning to the explanation of Figure 4, the settlement result acquisition unit 117 in Figure 4 receives the settlement processing information transmitted to the settlement execution device 3. The results of the settlement process executed by the settlement execution device 3 in response to the settlement request are retrieved from the settlement execution device 3. It's advantageous.

[0078] The settlement result presentation unit 118 displays the settlement processing results obtained from the settlement execution device 3 to the user terminal. This will be presented in section 2. Please refer to Figure 7 for a detailed explanation.

[0079] Figure 7 shows an example of the payment result screen 7a. The payment result screen 7a shows, as an example, A display field 7b is provided to show the payment result.

[0080] The payment result display field 7b shows, for example, the payee, receipt number, payment amount 7ba, and discount amount. 7bb and payment method 7bc are displayed. Payment method 7bc is the payment method as shown in Figure 6. The selected "Cpay" is displayed. The payment amount 7ba and discount amount 7bb are... The discount rate corresponding to “0004”, which is the policy identification information for the policy applied to the payee, is “10 The payment amount calculated based on "%" is "90,000 yen" for 6ba and the discount amount is " The price displayed is "10,000 yen".

[0081] [Operation of the payment management system] Referring to Figure 8, here is an example of the payment processing flow in the payment management system 100. I will explain.

[0082] First, user terminal 2 reads the predetermined code presented by the payee (Ste Access S101) and the settlement intermediary device 1. At this time, payee information and the payment information applied to the payee are accessed. Policy identification information of the policy to be implemented may be transmitted to the settlement intermediary device 1. If there are multiple options, allow the recipient's representative or user to choose one of the options. That's fine.

[0083] Next, user terminal 2 requests payment information input screen from payment intermediary device 1 (step S 102) The payment intermediary device 1 transmits the information on the payment information input screen to the user terminal 2 (Ste (S103), for example, display the payment information input screen 5a in Figure 5 on the user terminal 2 ( (Tep S104).

[0084] Next, the user enters the reception number in the reception number input field 5c and the payment amount in the payment amount input field 5d. After entering the amount to be paid and pressing the “Select Payment Method” button 5e, user terminal 2 will receive The assigned number and settlement amount are transmitted to the settlement intermediary device 1, and the payment provider selection screen is requested. (Step S105).

[0085] Next, the payment intermediary device 1 stores the policy identification information of the policy applied to the store in association with it. Based on the discount rate, the discount amount to be deducted from the payment amount entered by the user is calculated. At the same time, the calculated discount amount is subtracted from the settlement amount to calculate the payment amount (Step S1 06).

[0086] Next, the payment intermediary device 1 sends the information from the payment service provider selection screen to the user terminal 2 ( (S107), for example, display the payment service provider selection screen 6a in Figure 6 on the user terminal 2. Step S108).

[0087] Next, the user selects one of the selection buttons 6c, 6d, 6e, or 6f to proceed with the payment. After selecting a user and pressing the "Proceed to Payment Procedure" button 6g on the payment service provider selection screen 6a, User terminal 2 transmits the payment provider, payment amount, and discount amount to payment intermediary device 1. The user requests the payment intermediary device 1 to execute the payment processing by the payment service provider selected by the user. (Tep S109).

[0088] Next, the payment intermediary device 1 executes the payment processing by the payment service provider selected by the user. The system requests payment from the payment execution device 3 corresponding to the payment service provider selected by the user (step S110).

[0089] Next, the settlement execution device 3 executes the settlement process (step S111), and the executed settlement process The result of the transaction is transmitted to the settlement intermediary device 1 (step S112).

[0090] Next, the payment intermediary device 1 displays the information on the payment result screen based on the payment processing result to the user terminal. Send to 2 (step S113), for example, display the payment result screen 7a in Figure 7 on the user terminal 2. To demonstrate (step S114).

[0091] As described above, according to the payment intermediary device 1 of the embodiment, payment identification of the payee such as a store By obtaining payment information including separate information, payment identification information, and payment amount from user terminal 2, The discount amount is calculated based on the discount rate corresponding to the policy identification information of the policy applied to the payee. The calculated discount amount can be subtracted from the settlement amount to determine the payment amount. In addition to the calculated payment amount and discount amount, there are multiple payment options available to select as the payment request destination. The vendor can be displayed to user terminal 2.

[0092] This allows users to see the payment amount and discount amount after the discount service has been applied. After reviewing the information, you can select your preferred payment service provider and proceed with the payment.

[0093] Therefore, according to the payment intermediary device 1 of this embodiment, the user can select a payment service provider. Regardless of the payment provider, you can use the discount service applicable to your payment to make a payment. can.

[0094] Furthermore, according to the payment intermediary device 1 of this embodiment, it is possible to create a budget for the entire payment business. Therefore, compared to allocating budgets to each payment service provider, this method maintains fairness among payment service providers. This becomes possible. If the budget is allocated to each payment service provider, one provider may, for example, have a number of options. If the budget is reached in one day, that business will have to end its program earlier than other payment service providers. This creates a problem of unfairness among payment service providers.

[0095] Furthermore, according to the payment intermediary device 1 of this embodiment, the budget of the entire payment business operator will be eliminated. The program can be terminated at this point, and the organizing company can collect the rebate amounts from each payment service provider on a daily basis and then process the payment. In some cases, the timing of the end of the initiative is set while taking into account the overall budget achievement level of the business. In comparison, this makes it possible to reduce the workload of the organizing company.

[0096] [Differentiation] Furthermore, the present invention is not limited to the embodiments described above, and does not deviate from the spirit of the present invention. Within the limits of what is possible, it can be implemented in various other forms. For this reason, the above embodiment is In every respect, it is merely an example and should not be interpreted restrictively.

[0097] For example, in the embodiment described above, one discount rate is set for each payment service provider, The guided tour is not limited to one. Multiple discounts are applicable according to specified conditions, etc. Rates may be set. For example, a first discount rate that applies when certain conditions are met and A second discount rate may be set up, which applies when certain conditions are not met.

[0098] In this modified example, the calculation unit 112 calculates the first discount rate when certain conditions are met. The discount amount is calculated using the following method, while if the specified conditions are not met, the second discount rate is used. It is preferable to calculate the discount amount accordingly.

[0099] As a predetermined condition, for example, you could set that the user resides in a specific area. i. In this case, the calculation unit 112 calculates the first discount if the user resides in a specific area. While the discount amount is calculated using a rate, if the user does not reside in a specific area, the second It is preferable to calculate the discount amount using a 20% discount rate. In this case, for residents of a specific area It is preferable to make the first discount rate applied greater than the second discount rate applied to non-residents. .

[0100] Whether a user resides in a specific area can be determined by the address on the user's My Number Card. It is preferable to make a determination using information such as the address information on the driver's license and the address information on the health insurance card. stomach.

[0101] Additionally, a condition may be set that the payment must be eligible for the campaign. The calculation unit 112 calculates the discount using the first discount rate if the payment is eligible for the campaign. While calculating the amount, if the item is not eligible for the campaign, the discount amount will be calculated using the second discount rate. It is preferable to calculate the first discount rate to be applied to the campaign target. It is preferable to make it greater than the second discount rate applied to non-participating parties.

[0102] As part of the campaign, for example, special benefits will be offered that apply on the day you register as a member at a specific store. Examples include campaigns in which they participate.

[0103] Whether or not you are eligible for the campaign can be determined by, for example, payment identification information such as the registration number, and user information. The determination is made using information about the payee identified by a predetermined code read by terminal 2. That's fine. [Explanation of symbols]

[0104] 1...Payment intermediary device, 2...User terminal, 2a,2b,2c...User terminal, 3a,3b,3 c...Payment execution device, 11...Processor, 12...Storage device, 13...Communication interface, 100...Payment Management system, 111...Payment information acquisition unit, 112...Calculation unit, 113...Amount presentation unit, 114 ...Payment service provider presentation section, 115...Reception section, 116...Transmission section, 117...Payment result acquisition section, 11 8...Settlement result display unit, 121...Program, 122...Data

Claims

1. Payee identification information to identify the payee, payment identification information to identify the payment, and the payment amount to be settled. A payment information acquisition unit obtains payment information, including payment information, from the user terminal used by the user making the payment. 、 Discounts stored in association with policy identification information that identifies the policy applicable to the aforementioned payee Based on the rate, the discount amount to be deducted from the payment amount is calculated, and the payment amount is... A calculation unit calculates the payment amount by subtracting the aforementioned discount amount, The calculated payment amount and the discount amount are displayed on the user terminal by the amount display unit. 、 The payment process presents the user terminal with multiple payment service providers that can be selected as the payment request destination. The vendor presentation section, A payment intermediary device equipped with the following features.

2. The aforementioned payee is located at any of the multiple stores located in the area to which the aforementioned measures apply. be, The settlement intermediary device according to claim 1.

3. The payment processing requirements for the payment service provider selected from among the aforementioned multiple selectable payment service providers. A reception unit that receives requests from the user terminal, The payment processing request is sent to the payment execution device of the payment service provider that corresponds to the payment processing request. The transmitting unit, The result of the settlement process performed in response to the settlement process request is received from the settlement execution device. The unit that acquires the settlement result, A payment result display unit that displays the result of the payment processing to the user terminal, The settlement intermediary device according to claim 1, further comprising:

4. The available budget amount and discount rate are stored for each policy identification information. It further includes a memory unit, The calculation unit stores the calculated discount amount in association with the policy identification information. Subtracting from the available budget amount, the available budget stored in the storage unit is To update the mathematical tablet. The settlement intermediary device according to claim 1.

5. The storage unit determines the discount rate as a first discount rate that is applied when certain conditions are met. The rate and a second discount rate to be applied when the aforementioned predetermined conditions are not met are further stored. The first discount rate is greater than the second discount rate. The settlement intermediary device according to claim 4.

6. The calculation unit, when the predetermined conditions are met, uses the first discount rate to calculate the discount While calculating the discount amount, if the aforementioned predetermined conditions are not met, the second discount rate is used Then calculate the aforementioned discount amount. The settlement intermediary device according to claim 5.

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

8. The calculation unit uses the first discount rate when the user resides in the specific area. While calculating the aforementioned discount amount, if the user does not reside in the aforementioned specific area, The discount amount is calculated using the second discount rate. The settlement intermediary device according to claim 7.

9. The calculation unit determines whether the user resides in the specified area by the user's minority The decision is made based on the information on the card. The settlement intermediary device according to claim 8.

10. The calculation unit determines that the available budget amount stored in association with the policy identification information is If the calculated discount amount is less than the above, the discount amount will be set to 0, and the settlement amount will be set to the previous amount. The amount to be paid will be calculated as follows: The settlement intermediary device according to claim 4.

11. A method executed by a processor, Payee identification information to identify the payee, payment identification information to identify the payment, and the payment amount to be settled. The steps include obtaining payment information, including the payment information, from the user terminal used by the user making the payment, Discounts stored in association with policy identification information that identifies the policy applicable to the aforementioned payee Based on the rate, the discount amount to be deducted from the payment amount is calculated, and the payment amount is... Then, the step of calculating the payment amount by subtracting the aforementioned discount amount, The steps include presenting the calculated payment amount and discount amount to the user terminal, A step that presents the user terminal with multiple payment service providers that can be selected as the payment request destination. P and, A payment intermediary method that includes this.

12. Computers, Payee identification information to identify the payee, payment identification information to identify the payment, and the payment amount to be settled. A payment information acquisition unit that obtains payment information, including payment information, from the user terminal used by the user making the payment. Discounts stored in association with policy identification information that identifies the policy applicable to the aforementioned payee Based on the rate, the discount amount to be deducted from the payment amount is calculated, and the payment amount is... A calculation unit calculates the payment amount by subtracting the aforementioned discount amount. A price display unit that displays the calculated payment amount and the discount amount to the user terminal. The payment process presents the user terminal with multiple payment service providers that can be selected as the payment request destination. Vendor presentation department, A payment intermediary program that functions as such.

Images