Payment systems, payment methods, and programs

Abstract

This invention provides a payment system, payment method, and program that can reduce the costs associated with introducing payment terminals capable of accepting credit card payments in unmanned service machines. [Solution] A payment system comprising: a payment method receiving unit that presents contact payment, contactless payment, and magnetic stripe payment as payment method options when a user makes a payment by credit card at an unmanned service machine equipped with a payment terminal that supports only contactless payment, and accepts the user's selection of the payment method; a code generation unit that generates a two-dimensional barcode for accessing a payment site to make the payment by contact payment or magnetic stripe payment when the user selects contact payment or magnetic stripe payment as the payment method; and an output processing unit that displays the generated two-dimensional barcode on the payment terminal.

Description

Technical Field

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

Background Art

[0002] Conventionally, specifications of payment terminals used for credit card payment have been determined in accordance with rules defined by international brands. In the rules, for example, it is stipulated as a mandatory rule that a payment terminal shall be capable of handling any type of card among contact IC (Integrated Circuit) cards, non-contact IC cards, and magnetic cards.

[0003] On the other hand, for credit card payment in unattended service machines, it is also permitted to allow only non-contact IC cards to be used. Payment terminals that can only use non-contact IC cards are less expensive than payment terminals that can use all of contact IC cards, non-contact IC cards, and magnetic cards. For this reason, they are increasingly being introduced into unattended service machines such as ticket vending machines and beverage vending machines. Japanese Patent Literature 1 below discloses a technology related to a beverage vending machine equipped with a non-contact payment terminal capable of processing payment via a non-contact credit card.

Prior Art Literature

Patent Literature

[0004]

Patent Literature 1

Summary of the Invention

Problem to be Solved by the Invention

[0005] However, some unmanned service machines have exceptions where it is mandatory to accept not only contactless IC cards but also contact IC cards and magnetic stripe cards for credit card payments. In this case, even unmanned service machines must use payment terminals that can accept all three types of cards: contactless IC cards, contact IC cards, and magnetic stripe cards. Therefore, a challenge has been the cost involved in introducing payment terminals that can accept credit card payments at unmanned service machines.

[0006] In view of the above-mentioned problems, the object of the present invention is to provide a payment system, a payment method, and a program that can reduce the cost of introducing a payment terminal capable of accepting credit card payments in an unmanned service machine. [Means for solving the problem]

[0007] To solve the above-mentioned problems, a payment system according to one aspect of the present invention is a payment system that, when a user makes a payment by credit card at an unmanned service machine equipped with a payment terminal that supports only contactless payment, presents contact payment, contactless payment, and magnetic payment as payment method options and accepts the user's selection of the payment method; a code generation unit that generates a two-dimensional barcode for accessing a payment site for making the payment by contact payment or magnetic payment when the user selects contact payment or magnetic payment as the payment method; and an output processing unit that displays the generated two-dimensional barcode on the payment terminal.

[0008] A payment method according to one aspect of the present invention is a payment method executed by a computer, which includes: a payment method acceptance process in which, when a user makes a payment by credit card at an unmanned service machine equipped with a payment terminal that supports only contactless payment, contactless payment and magnetic stripe payment are presented as options for payment methods and the user selects one of the payment methods; a code generation process in which, when the user selects either contactless payment or magnetic stripe payment as the payment method, a two-dimensional barcode is generated to access a payment site for making the payment by contactless payment or magnetic stripe payment; and an output processing process in which the generated two-dimensional barcode is displayed on the payment terminal.

[0009] A program according to one aspect of the present invention is a program that causes a computer to function as a payment method receiving means for an unmanned service machine equipped with a payment terminal that supports only contactless payment, which, when a user makes a payment by credit card, presents contact payment, contactless payment, and magnetic payment as payment method options and accepts the user's selection of the payment method; a code generation means for generating a two-dimensional barcode for accessing a payment site for making the payment by contact payment or magnetic payment when the user selects contact payment or magnetic payment as the payment method; and an output processing means for displaying the generated two-dimensional barcode on the payment terminal. [Effects of the Invention]

[0010] According to the present invention, the cost of introducing a payment terminal capable of accepting credit card payments in an unmanned service machine can be reduced. [Brief explanation of the drawing]

[0011] [Figure 1] This diagram shows an overview of the payment service according to this embodiment. [Figure 2] This block diagram shows an example of the configuration of the payment system according to this embodiment. [Figure 3]This is a block diagram showing an example of the functional configuration of the payment machine according to this embodiment. [Figure 4] This block diagram shows an example of the functional configuration of a payment terminal according to this embodiment. [Figure 5] This block diagram shows an example of the functional configuration of a user terminal according to this embodiment. [Figure 6] This figure shows an example of the functional configuration of the credit card payment system according to this embodiment. [Figure 7] This block diagram shows an example of the functional configuration of the acquirer system according to this embodiment. [Figure 8] This is a sequence diagram showing an example of the processing flow according to this embodiment. [Figure 9] This is a sequence diagram showing an example of the processing flow according to this embodiment. [Figure 10] This is a sequence diagram showing an example of the processing flow according to this embodiment. [Modes for carrying out the invention]

[0012] Embodiments of the present invention will be described in detail below with reference to the drawings.

[0013] <1. Overview of Payment Services> Referring to Figure 1, an overview of the payment service according to this embodiment will be described. Figure 1 is a diagram showing an overview of the payment service according to this embodiment.

[0014] The payment service SA shown in Figure 1 is a service that enables all types of credit card payments—contact, contactless, and magnetic stripe—using a contactless payment terminal at an unmanned service machine. Contactless payment refers to payment using a contact-type IC (Integrated Circuit) card in credit card payments. Contactless payment refers to payment using a contactless IC card in credit card payments. Magnetic stripe payment refers to payment using a magnetic stripe card in credit card payments.

[0015] An unmanned service machine is a device for paying usage fees for various services. For example, an unmanned service machine is a device simply for paying fees for services received by a user. In the following, the present embodiment will be described by taking an example in which the service received by a user is a parking lot provision service, and the unmanned service machine is a payment machine 10 installed in a parking lot.

[0016] Here, with reference to FIG. 1, an outline of a method of using the payment machine 10 when a user U who has used the parking lot makes payment by credit card settlement will be described.

[0017] As shown in FIG. 1, the user U first selects credit card settlement on the payment machine 10 (step S1). At this time, the user U also selects which settlement method among contact-type settlement, non-contact-type settlement, and magnetic-type settlement to use for credit card settlement. When the user U selects contact-type settlement or magnetic-type settlement, a two-dimensional barcode CD is displayed on the settlement terminal 20. The two-dimensional barcode CD includes connection information for accessing a settlement site for performing payment via contact-type settlement or magnetic-type settlement. Note that when the user U selects non-contact-type settlement, the settlement terminal 20 accepts settlement via non-contact-type settlement.

[0018] The user U reads the two-dimensional barcode CD displayed on the settlement terminal 20 with a user terminal 30 owned by the user U (step S2).

[0019] The user terminal 30 accesses the payment site based on the connection information read from the two-dimensional barcode CD and displays the credit card payment screen (step S3). The credit card payment screen is where user U enters the information of the credit card used for contactless or magnetic stripe payment (hereinafter also referred to as "credit card information") and executes the payment. Credit card information includes, for example, the international brand, credit card number, expiration date, CVC (Card Validation Code) number (security code), and the name of the cardholder.

[0020] User U enters their credit card information on the credit card payment screen displayed on the user terminal 30 and executes the payment (step S4). This allows User U to make a payment using either contactless or magnetic stripe payment.

[0021] <2. Configuration of the Payment System> The overview of the payment service SA according to this embodiment has been described above with reference to Figure 1. Next, the configuration of the payment system 1 according to this embodiment will be described with reference to Figure 2. Figure 2 is a block diagram showing an example of the configuration of the payment system 1 according to this embodiment.

[0022] The payment system 1 shown in Figure 2 is a system for providing the payment service SA, whose outline was explained with reference to Figure 1. As shown in Figure 2, the payment system 1 comprises a payment machine 10, a payment terminal 20, a user terminal 30, a credit card payment system 40, and an acquirer system 50. The network NW can be configured for information exchange and may include, for example, a LAN (Local Area Network), a WAN (Wide Area Network), a telephone network (mobile phone network, fixed telephone network, etc.), a regional IP (Internet Protocol) network, or the Internet.

[0023] (1) Settlement machine 10 The payment machine 10 is an example of an unmanned service machine. The payment methods available at the payment machine 10 are not limited to credit card payments. Other available payment methods include, for example, cash payments, transportation IC card payments, and QR code payments. The payment machine 10 is connected to the payment terminal 20, for example, by a wired connection, enabling it to send and receive various types of information.

[0024] (2) Payment terminal 20 The payment terminal 20 is a terminal that supports contactless payments only and is installed in the payment machine 10. Contactless payments that can be used with the payment terminal 20 include not only contactless credit card payments, but also contactless payments using transportation IC cards and QR code payments. The payment terminal 20 is connected to the payment machine 10, for example, by a wired connection, enabling it to send and receive various information. Furthermore, the payment terminal 20 is connected to the credit card payment system 40 via a network (NW), enabling it to send and receive various information.

[0025] (3) User terminal 30 User terminal 30 is a device used by user U. User terminal 30 is, for example, a smartphone or a tablet device. The user terminal 30 is connected to the credit card payment system 40 via a network (NW) and is capable of sending and receiving various types of information.

[0026] (4) Credit card payment system 40 The credit card payment system 40 is a system that processes credit card payments. The credit card payment system 40 is composed of, for example, one or more PCs or server devices (for example, a cloud server). The credit card payment system 40 is connected via a network (NW) to the payment terminal 20, the user terminal 30, and the acquirer system 50, enabling the sending and receiving of various information.

[0027] (5) Acquirer System 50 The acquirer system 50 is a system that performs authorization-related processing. Authorization is the process of verifying whether or not a payment can be made with a credit card when a user U uses that card. The acquirer system 50 is composed of, for example, one or more PCs or server devices (for example, a cloud server). The acquirer system 50 is connected to the credit card payment system 40 via a network (NW) and is capable of sending and receiving various types of information.

[0028] <3. Functional configuration of the payment machine> The configuration of the payment system 1 according to this embodiment has been described above with reference to Figure 2. Next, the functional configuration of the payment machine 10 according to this embodiment will be described with reference to Figure 3. Figure 3 is a block diagram showing an example of the functional configuration of the payment machine 10 according to this embodiment. As shown in Figure 3, the payment machine 10 includes an input unit 110, a communication unit 120, a storage unit 130, a control unit 140, and an output unit 150.

[0029] (1) Input section 110 The input unit 110 has the function of receiving input. The input unit 110 is composed of, for example, input devices provided as hardware by the payment machine 10, such as buttons, touch panels, microphones, etc.

[0030] (2) Communications section 120 The communication unit 120 has the function of sending and receiving various types of information. The communication unit 120 is connected to the wired payment terminal 20 in a communication manner and sends and receives various types of information.

[0031] (3) Storage section 130 The storage unit 130 has the function of storing various types of information. The storage unit 130 is composed of storage media provided as hardware by the payment machine 10, such as an HDD (Hard Disk Drive), SSD (Solid State Drive), flash memory, EEPROM (Electrically Erasable Programmable Read Only Memory), RAM (Random Access Read / Write Memory), ROM (Read Only Memory), or any combination of these storage media.

[0032] (4) Control unit 140 The control unit 140 has the function of controlling the overall operation of the payment machine 10. The control unit 140 is implemented, for example, by causing the CPU (Central Processing Unit) or GPU (Graphics Processing Unit) provided as hardware in the payment machine 10 to execute a program. As shown in Figure 3, the control unit 140 includes a payment operation reception unit 141, a payment processing unit 142, a gate control unit 143, and an output processing unit 144.

[0033] (4-1) Payment operation reception unit 141 The payment operation reception unit 141 receives payment requests from the user U. For example, the payment operation reception unit 141 receives requests for the selection of a payment method and any necessary operations depending on the selected payment method.

[0034] (4-2) Payment Processing Unit 142 The payment processing unit 142 has the function of executing settlement processing (payment processing). The payment processing unit 142 executes settlement processing according to the payment method selected by the user U. For example, if cash payment is selected as the payment method, the payment processing unit 142 executes settlement processing based on the cash inserted into the settlement machine 10. If contactless payment is selected as the payment method, the payment processing unit 142 transmits the information necessary for settlement (hereinafter also referred to as "settlement information") to the settlement terminal 20 and executes settlement processing based on the settlement result entered from the settlement terminal 20. Settlement information includes, for example, information indicating the subject of payment (hereinafter also referred to as "subject information") and information indicating the amount of payment (hereinafter also referred to as "amount information").

[0035] (4-3) Gate control unit 143 The gate control unit 143 has the function of controlling the opening and closing of the parking lot gate. The gate control unit 143 opens the parking lot gate when the settlement process by the payment processing unit 142 is completed successfully.

[0036] (4-4) Output processing unit 144 The output processing unit 144 has a function to control the output of various types of information. For example, the output processing unit 144 displays a payment method selection screen, a screen showing settlement information, a screen showing the results of the settlement process, etc., on the output unit 150.

[0037] (5) Output section 150 The output unit 150 has the function of outputting various types of information. The output unit 150 is composed of, for example, output devices provided as hardware by the payment machine 10, such as display devices such as a display device or a touch screen (touch panel), and audio output devices such as a speaker.

[0038] <4. Functional Configuration of Payment Terminals> The functional configuration of the payment machine 10 according to this embodiment has been described above with reference to Figure 3. Next, the functional configuration of the payment terminal 20 according to this embodiment will be described with reference to Figure 4. Figure 4 is a block diagram showing an example of the functional configuration of the payment terminal 20 according to this embodiment. As shown in Figure 4, the payment terminal 20 includes an input unit 210, a communication unit 220, a storage unit 230, a control unit 240, and an output unit 250.

[0039] (1) Input section 210 The input unit 210 has the function of receiving input. The input unit 210 is composed of, for example, input devices provided as hardware by the payment terminal 20, such as buttons, touch panels, microphones, etc.

[0040] (2) Communications Unit 220 The communication unit 220 has the function of sending and receiving various types of information. The communication unit 220 is connected to the wired payment machine 10 in a communication manner and sends and receives various types of information. In addition, the communication unit 220 is connected to the credit card payment system 40 in a communication manner via the network NW and sends and receives various types of information.

[0041] (3) Storage section 230 The storage unit 230 has the function of storing various types of information. The storage unit 230 is composed of storage media provided as hardware by the payment terminal 20, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0042] (4) Control unit 240 The control unit 240 has the function of controlling the overall operation of the payment terminal 20. The control unit 240 is implemented, for example, by causing the CPU or GPU provided as hardware in the payment terminal 20 to execute a program. As shown in Figure 4, the control unit 240 includes a payment method reception unit 241, a code generation unit 242, and an output processing unit 243.

[0043] (4-1) Payment Method Reception Section 241 The payment method reception unit 241 has the function of accepting the selection of a payment method. When the communication unit 220 receives payment information from the payment machine 10, the payment method reception unit 241 displays a payment menu screen on the output unit 250. On the payment menu screen, payment methods such as contactless payment and magnetic stripe payment can be selected. The payment method reception unit 241, when a user U makes a payment by credit card at the payment machine 10 equipped with a payment terminal 20, presents contactless payment, contactless payment, and magnetic stripe payment as payment method options and accepts the user U's selection of a payment method. These options are displayed on the output unit 250.

[0044] (4-2) Code generation unit 242 The code generation unit 242 has the function of generating a two-dimensional barcode CD. When contact payment or magnetic stripe payment is selected as the payment method by user U, the code generation unit 242 generates a two-dimensional barcode CD for accessing a payment site for making a payment by contact payment or magnetic stripe payment. The code generation unit 242 generates a two-dimensional barcode CD that includes target information, amount information, and connection information to the payment site. The target information and amount information are information included in the settlement information transmitted from the payment machine 10 to the payment terminal 20 when contactless payment is selected as the payment method at the payment machine 10.

[0045] (4-3) Output processing unit 243 The output processing unit 243 has a function to control the output of various types of information. For example, the output processing unit 243 displays a payment method selection screen, a screen showing settlement information, a screen showing the settlement result, etc., on the output unit 250. The output processing unit 243 also causes the two-dimensional barcode CD generated by the code generation unit 242 to be displayed on the output unit 250. The output processing unit 243 displays the settlement result on the output unit 250 based on the settlement result received by the communication unit 220 from the credit card settlement system 40. The settlement result received by the communication unit 220 from the credit card settlement system 40 is, for example, an authorization result. The authorization result is information indicating the result of the acquirer system 50's determination of whether or not payment by user U's credit card is possible. If the authorization result indicates that payment by user U's credit card is possible, the output processing unit 243 displays a settlement result on the output unit 250 indicating that payment by user U's credit card has been completed (transaction completed). On the other hand, if the authorization result indicates that payment by user U's credit card is not possible, the output processing unit 243 displays a settlement result on the output unit 250 indicating that payment by user U's credit card is incomplete (transaction not completed). The output processing unit 243 transmits the settlement result from the communication unit 220 to the payment machine 10.

[0046] (5) Output section 250 The output unit 250 has the function of outputting various types of information. The output unit 250 is composed of, for example, output devices provided as hardware by the payment terminal 20, such as display devices such as a display device or a touch screen (touch panel), and audio output devices such as a speaker.

[0047] <5. Functional Configuration of User Terminals> The functional configuration of the payment terminal 20 according to this embodiment has been described above with reference to Figure 4. Next, the functional configuration of the user terminal 30 according to this embodiment will be described with reference to Figure 5. Figure 5 is a block diagram showing an example of the functional configuration of the user terminal 30 according to this embodiment. As shown in Figure 5, the user terminal 30 includes an input unit 310, a communication unit 320, an imaging unit 330, a storage unit 340, a control unit 350, and an output unit 360.

[0048] (1) Input section 310 The input unit 310 has the function of receiving input. The input unit 310 is composed of, for example, input devices provided as hardware by the user terminal 30, such as buttons, touch panels, microphones, etc.

[0049] (2) Communications section 320 The communication unit 320 has the function of sending and receiving various types of information. The communication unit 320 is connected to the credit card payment system 40 via the network NW and sends and receives various types of information.

[0050] (3) Photography Department 330 The imaging unit 330 has the function of photographing an object and capturing an image. The imaging unit 330 is composed of, for example, a camera provided as hardware in the user terminal 30. When user U reads the two-dimensional barcode CD displayed on the payment terminal 20, the user U uses this camera to photograph the two-dimensional barcode CD.

[0051] (4) Storage section 340 The storage unit 340 has the function of storing various types of information. The storage unit 340 is composed of storage media provided as hardware by the user terminal 30, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0052] (5) Control unit 350 The control unit 350 has the function of controlling the overall operation of the user terminal 30. The control unit 350 is implemented, for example, by causing the CPU or GPU provided as hardware in the user terminal 30 to execute a program. As shown in Figure 5, the control unit 350 includes an operation reception unit 351, a reading processing unit 352, an access processing unit 353, an information linkage unit 354, and an output processing unit 355.

[0053] (5-1) Operation reception unit 351 The operation reception unit 351 has the function of receiving various operations. For example, the operation reception unit 351 receives operations such as reading a 2D barcode CD and inputting credit card information. When it receives an operation to read a 2D barcode CD, the operation reception unit 351 activates the camera (shooting unit 330). When it receives an operation to input credit card information, the operation reception unit 351 displays the entered credit card information on the screen.

[0054] (5-2) Read processing unit 352 The reading processing unit 352 has the function of reading information from a two-dimensional barcode CD. The reading processing unit 352 reads target information, amount information, and connection information for the payment site from the two-dimensional barcode CD captured by the imaging unit 330.

[0055] (5-3) Access Processing Unit 353 The access processing unit 353 has the function of accessing the payment site. Based on the connection information read from the two-dimensional barcode CD by the reading processing unit 352, the access processing unit 353 accesses the payment site. At this time, the access processing unit 353 transmits the target information and amount information read from the two-dimensional barcode CD by the reading processing unit 352 to the payment site.

[0056] (5-4) Information Collaboration Department 354 The information linkage unit 354 has the function of linking information to the payment machine 10. For example, the information linkage unit 354 links (transmits) the credit card information that user U enters on the credit card payment screen to the credit card payment system 40 via the communication unit 220. In addition, the information linkage unit 354 links (transmits) the payment result that the payment terminal 20 receives from the credit card payment system 40 to the payment machine 10 via the communication unit 220.

[0057] (5-5) Output processing unit 355 The output processing unit 355 has a function to control the output of various types of information. For example, the output processing unit 355 displays a payment site (credit card payment screen), a screen showing the payment result, etc., on the output unit 360. The output processing unit 355, for example, displays the payment result based on the authorization result received by the communication unit 320 from the credit card payment system 40 on the output unit 360, similar to the output processing unit 243 of the payment terminal 20 described above.

[0058] (6) Output section 360 The output unit 360 has the function of outputting various types of information. The output unit 360 is composed of, for example, output devices provided as hardware by the user terminal 30, such as display devices such as a display device or a touch screen (touch panel), and audio output devices such as a speaker.

[0059] <6. Functional Configuration of the Credit Card Payment System> The functional configuration of the user terminal 30 according to this embodiment has been described above with reference to Figure 5. Next, the functional configuration of the credit card payment system 40 according to this embodiment will be described with reference to Figure 6. Figure 6 is a block diagram showing an example of the functional configuration of the credit card payment system 40 according to this embodiment. As shown in Figure 6, the credit card payment system 40 comprises a communication unit 410, a storage unit 420, and a control unit 430.

[0060] (1) Communications Section 410 The communication unit 410 has the function of sending and receiving various types of information. The communication unit 410 is connected to the payment terminal 20, the user terminal 30, and the acquirer system 50 via the network NW, and sends and receives various types of information.

[0061] (2) Storage section 420 The storage unit 420 has the function of storing various types of information. The storage unit 420 is composed of storage media provided as hardware by the credit card payment system 40, such as an HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0062] (3) Control unit 430 The control unit 430 has the function of controlling the overall operation of the credit card payment system 40. The control unit 430 is implemented, for example, by causing the CPU or GPU provided as hardware in the credit card payment system 40 to execute a program. As shown in Figure 6, the control unit 430 includes a payment screen processing unit 431, a payment acceptance unit 432, an authorization request unit 433, and a payment processing unit 434.

[0063] (3-1) Payment screen processing unit 431 The payment screen processing unit 431 has the function of executing processing related to the display of the payment screen. For example, the payment screen processing unit 431 displays a credit card payment screen on the user terminal 30 of user U who has accessed the payment site by reading a two-dimensional barcode.

[0064] (3-2) Payment acceptance department 432 The payment acceptance unit 432 has the function of accepting credit card payments. For example, the payment acceptance unit 432 accepts credit card payments via contactless payment or magnetic stripe payment based on the credit card information entered by the user U on the credit card payment screen and the target information and amount information received from the user terminal 30 when the two-dimensional barcode is read.

[0065] (3-3) Authorization Request Department 433 The authorization request unit 433 has the function of requesting authorization from the acquirer system 50. Based on the credit card information entered by the user U on the credit card payment screen, the authorization request unit 433 generates authorization information that indicates the information necessary for authorization determination. The authorization request unit 433 transmits the generated authorization information from the communication unit 410 to the acquirer system 50 and requests authorization for the said credit card information.

[0066] (3-4) Settlement Processing Unit 434 The payment processing unit 434 has the function of executing processing related to credit card payments. The payment processing unit 434 transmits the authorization result (payment result) of user U's credit card, which the communication unit 410 receives from the acquirer system 50, to the payment terminal 20 and the user terminal 30.

[0067] <7. Functional Configuration of the Acquirer System> The functional configuration of the credit card payment system 40 according to this embodiment has been described above with reference to Figure 6. Next, the functional configuration of the acquirer system 50 according to this embodiment will be described with reference to Figure 7. Figure 7 is a block diagram showing an example of the functional configuration of the acquirer system 50 according to this embodiment. As shown in Figure 7, the acquirer system 50 includes a communication unit 510, a storage unit 520, and a control unit 530.

[0068] (1) Communications Section 510 The communication unit 510 has the function of sending and receiving various types of information. The communication unit 510 is connected to the credit card payment system 40 via the network NW and sends and receives various types of information.

[0069] (2) Storage section 520 The storage unit 520 has the function of storing various types of information. The storage unit 520 is composed of storage media provided as hardware by the acquirer system 50, such as HDD, SSD, flash memory, EEPROM, RAM, ROM, or any combination of these storage media.

[0070] (3) Control unit 530 The control unit 530 has the function of controlling the overall operation of the acquirer system 50. The control unit 530 is implemented, for example, by causing the CPU or GPU provided as hardware in the acquirer system 50 to execute a program. As shown in Figure 7, the control unit 530 includes an authorization processing unit 531.

[0071] (3-1) Authorization processing unit 531 The authorization processing unit 531 has the function of performing authorization-related processing. Based on the authorization information received by the communication unit 510 from the credit card payment system 40, the authorization processing unit 531 determines whether or not payment by credit card indicated by the authorization information is possible. After the determination, the authorization processing unit 531 transmits the authorization determination result (authorization result) from the communication unit 510 to the credit card payment system 40.

[0072] <8. Processing Flow> The functional configuration of the acquirer system 50 according to this embodiment has been described above with reference to Figure 7. Next, the processing flow according to this embodiment will be described with reference to Figures 8 to 10. Figures 8 to 10 are sequence diagrams showing an example of the processing flow according to this embodiment.

[0073] (1) Processing flow from the start of the settlement operation to the display of the 2D barcode Referring to Figure 8, the process flow from the start of the payment operation to the display of the two-dimensional barcode CD will be explained. As shown in Figure 8, first, user U performs a payment operation on the payment machine 10 (step S101). This payment operation determines the amount to be paid by user U and selects the payment method. Below, an example in which credit card payment is selected as the payment method will be explained.

[0074] The payment operation reception unit 141 of the payment machine 10 accepts the payment operation (settlement operation) from user U (step S102). The payment processing unit 142 of the payment machine 10 generates settlement information based on the settlement operation received by the payment operation reception unit 141 and transmits the settlement information from the communication unit 120 to the payment terminal 20 (step S103). When the payment terminal 20's payment method receiving unit 241 receives payment information from the payment machine 10 via the communication unit 220, it displays a payment menu screen on the output unit 250 (step S104).

[0075] Next, user U selects a payment method on the payment menu screen displayed on the payment terminal 20 (step S105). The following describes an example in which contactless payment or magnetic stripe payment is selected as the payment method. The payment method reception unit 241 of the payment terminal 20 accepts the selection of a payment method from the user U on the payment menu screen (step S106). The code generation unit 242 of the payment terminal 20 generates a two-dimensional barcode CD for accessing a payment site for making payments using contactless or magnetic stripe payment (step S107). The output processing unit 243 of the payment terminal 20 displays the two-dimensional barcode CD generated by the code generation unit 242 on the output unit 250 of the payment terminal 20 (step S108).

[0076] (2) Processing flow from scanning the 2D barcode to accepting credit card payment Referring to Figure 9, the process flow from reading the 2D barcode CD to accepting credit card payment will be explained. As shown in Figure 9, first, user U performs a reading operation of the 2D barcode CD on the user terminal 30 (step S201). When the operation reception unit 351 of the user terminal 30 receives a reading operation from user U, the reading processing unit 352 of the user terminal 30 reads the two-dimensional barcode CD displayed on the output unit 250 of the payment terminal 20 (step S202). The access processing unit 353 of the user terminal 30 accesses the payment site based on the connection information read by the reading processing unit 352 from the two-dimensional barcode CD (step S203). The payment screen processing unit 431 of the credit card payment system 40 displays the credit card payment screen to the user terminal 30 of user U, who has accessed the payment site by reading the two-dimensional barcode CD (step S204).

[0077] User U enters their credit card information into the credit card payment screen displayed on the output unit 360 of the user terminal 30 (step S205). The information sharing unit 354 of the user terminal 30 transmits (sends) the credit card information that user U enters on the credit card payment screen from the communication unit 320 to the credit card payment system 40 (step S206). The payment acceptance unit 432 of the credit card payment system 40 accepts credit card payments via contactless or magnetic stripe payment based on the credit card information received by the communication unit 410 from the user terminal 30 and the target information and amount information received from the user terminal 30 when the two-dimensional barcode is read (step S207).

[0078] (3) Processing flow from authorization request to payment completion Referring to Figure 10, the processing flow from authorization request to payment completion will be explained. As shown in Figure 10, first, the authorization request unit 433 of the credit card payment system 40 generates authorization information based on the contact-type or magnetic stripe payment credit card information received by the payment acceptance unit 432 (step S301). The authorization request unit 433 transmits the generated authorization information from the communication unit 410 to the acquirer system 50 and requests authorization (step S302).

[0079] The authorization processing unit 531 of the acquirer system 50 performs an authorization determination based on the authorization information received by the communication unit 510 from the credit card payment system 40 (step S303). After the determination, the authorization processing unit 531 transmits the authorization determination result (authorization result) from the communication unit 510 to the credit card payment system 40 (step S304).

[0080] The payment processing unit 434 of the credit card payment system 40 transmits the authorization result (payment result) of user U's credit card, which the communication unit 410 receives from the acquirer system 50, to the payment terminal 20 and the user terminal 30 (step S305).

[0081] The output processing unit 355 of the user terminal 30 displays a screen showing the payment result received by the communication unit 320 from the credit card payment system 40 on the output unit 360 (step S306). The output processing unit 243 of the payment terminal 20 causes the output unit 250 to display a screen showing the payment result received by the communication unit 220 from the credit card payment system 40 (step S307). Furthermore, the output processing unit 243 of the payment terminal 20 transmits the payment result from the communication unit 220 to the payment machine 10 (step S308).

[0082] The payment processing unit 142 of the payment machine 10 executes the payment processing in the payment machine 10 if it can confirm that the payment has been completed based on the payment result received by the communication unit 120 from the payment terminal 20 (step S309). If the payment has not been completed, the payment processing unit 142 may display information on the output unit 150 indicating that the payment could not be completed. The gate control unit 143 of the payment machine 10 opens the parking lot gate (step S310) when the payment processing by the payment processing unit 142 is completed successfully.

[0083] The processing flow according to this embodiment has been described above. As described above, the payment system 1 according to this embodiment includes a payment method receiving unit 241 that presents contact payment, contactless payment, and magnetic stripe payment as payment method options and accepts the user U's selection of a payment method when a user U makes a payment by credit card at a payment machine 10 (unmanned service machine) equipped with a payment terminal 20 that supports only contactless payment, a code generation unit 242 that generates a two-dimensional barcode for accessing a payment site for making a payment by contact payment or magnetic stripe payment when the user U selects contact payment or magnetic stripe payment as the payment method, and an output processing unit 243 that displays the generated two-dimensional barcode on the payment terminal 20.

[0084] With this configuration, even if the payment machine 10 is equipped with a payment terminal 20 that supports only contactless payments, user U can access the payment site by reading the two-dimensional barcode displayed on the payment terminal 20 with their own user terminal 30 and make a credit card payment using either contactless or magnetic stripe. As a result, even if the installation of the payment machine 10 is required by law to support all payment methods, including contactless, contactless, and magnetic stripe, the installer can use the less expensive contactless-only payment terminal 20 instead of a payment terminal that supports all payment methods. Therefore, the payment system 1 according to this embodiment makes it possible to reduce the cost of introducing a payment terminal that can accept credit card payments at an unmanned service machine.

[0085] <9. Variation> The embodiments have been described above. Next, modifications of the embodiments will be described. The modifications described below may be applied to the embodiments individually or in combination. Furthermore, the modifications may be applied in place of the configuration described in the embodiments, or they may be applied in addition to the configuration described in the embodiments.

[0086] In the embodiment described above, an example was described in which the service received by user U is the provision of parking services and the unmanned service machine is a payment machine 10 installed in the parking lot. However, the embodiment is not limited to this example. For example, the service received by user U may be EV (Electric Vehicle) charging, and the unmanned service machine may be a payment machine installed in a parking lot for EV charging.

[0087] Furthermore, in the embodiments described above, the unmanned service machine is simply a device for paying the user U for the services received, and specifically, an example of it being a payment machine 10 installed in a parking lot in a parking lot service has been described, but the invention is not limited to this example. For example, the unmanned service machine may be a device for paying the user U for the services received from the unmanned service machine. Examples of unmanned service machines in this case include ticket vending machines that provide tickets and vending machines that provide beverages.

[0088] Furthermore, in the above-described embodiment, an example was described in which the payment terminal 20 is connected to the credit card payment system 40 via a network NW and the information received from the credit card payment system 40 is transmitted to the payment machine 10. However, the invention is not limited to this example. For example, the payment machine 10 may be connected to the credit card payment system 40 via a network NW and receive information from the credit card payment system 40 without going through the payment terminal 20.

[0089] The above describes some modified examples of the embodiments. Furthermore, some or all of the functions of the payment system 1, payment machine 10, payment terminal 20, user terminal 30, credit card payment system 40, and acquirer system 50 in the above-described embodiment may be implemented by a computer. In that case, the functions may be implemented by recording a program for implementing these functions on a computer-readable recording medium, loading the program recorded on this recording medium into the computer system, and executing it. Here, "computer system" includes hardware such as the OS and peripheral devices. Furthermore, "computer-readable recording medium" refers to portable media such as flexible disks, magneto-optical disks, ROMs, CD-ROMs, and storage devices such as hard disks built into the computer system. Furthermore, "computer-readable recording media" may include those that dynamically hold programs for a short period of time, such as communication lines used when transmitting programs over networks such as the Internet or communication lines such as telephone lines, as well as those that hold programs for a certain period of time, such as volatile memory inside computer systems that act as servers or clients in such cases. Furthermore, the above program may be for the purpose of implementing some of the functions described above, or it may be for the purpose of implementing the above functions in combination with a program already recorded in the computer system, or it may be implemented using a programmable logic device such as an FPGA (Field Programmable Gate Array).

[0090] Although embodiments of this invention have been described in detail above with reference to the drawings, the specific configuration is not limited to those described above, and various design changes can be made without departing from the spirit of this invention. [Explanation of Symbols]

[0091] 1...Payment system, 10...Payment machine, 20...Payment terminal, 30...User terminal, 40...Credit card payment system, 50...Acquirer system, 110...Input unit, 120...Communication unit, 130...Storage unit, 140...Control unit, 141...Payment operation reception unit, 142...Payment processing unit, 143...Gate control unit, 144...Output processing unit, 150...Output unit, 210...Input unit, 220...Communication unit, 230...Storage unit, 240...Control unit, 241...Payment method reception unit, 242...Code generation unit, 243...Output processing unit, 250... Output unit, 310…Input unit, 320…Communication unit, 330…Shooting unit, 340…Storage unit, 350…Control unit, 351…Operation reception unit, 352…Reading processing unit, 353…Access processing unit, 354…Information linkage unit, 355…Output processing unit, 360…Output unit, 410…Communication unit, 420…Storage unit, 430…Control unit, 431…Payment screen processing unit, 432…Payment reception unit, 433…Authorization request unit, 434…Payment processing unit, 510…Communication unit, 520…Storage unit, 530…Control unit, 531…Authorization processing unit, NW…Network

Claims

1. An unmanned service machine equipped with a payment terminal that supports only contactless payments, when a user makes a payment by credit card, presents contactless payment, contactless payment, and magnetic stripe payment as payment method options, and accepts the user's selection of the payment method from the payment method reception unit, When the user selects contactless payment or magnetic stripe payment as the payment method, a code generation unit generates a two-dimensional barcode for accessing a payment site for making the payment using contactless payment or magnetic stripe payment. An output processing unit that displays the generated two-dimensional barcode on the payment terminal, A payment system equipped with the following features.

2. The code generation unit generates a two-dimensional barcode that includes target information indicating the object of the payment, amount information indicating the amount of the payment, and connection information to the payment site. The payment system according to claim 1.

3. A payment screen processing unit that displays a credit card payment screen on the user terminal of the user who has accessed the payment site by reading the two-dimensional barcode, A payment acceptance unit accepts the credit card payment by contactless payment or magnetic stripe payment based on the credit card information entered by the user on the credit card payment screen and the target information and amount information received from the user terminal when the two-dimensional barcode is read. The payment system according to claim 2, further comprising:

4. A payment processing unit that transmits the settlement result of the contact payment or magnetic stripe payment to the payment terminal and the user terminal. Furthermore, The payment terminal transmits the received payment result to the unmanned service machine. The payment system according to claim 3.

5. The aforementioned unmanned service machine is a payment machine installed in a parking lot. The payment system according to claim 1.

6. In an unmanned service machine equipped with a payment terminal that supports only contactless payments, when a user makes a payment by credit card, the system presents contactless payment, contactless payment, and magnetic stripe payment as payment method options, and accepts the user's selection of the payment method. When the user selects contactless payment or magnetic stripe payment as the payment method, a code generation process is performed to generate a two-dimensional barcode for accessing a payment site for making the payment using contactless payment or magnetic stripe payment. An output processing process that causes the generated two-dimensional barcode to be displayed on the payment terminal, A payment method executed by computer, including the following.

7. Computers, An unmanned service machine equipped with a payment terminal that supports only contactless payments, when a user makes a payment by credit card, presents contactless payment, contactless payment, and magnetic stripe payment as payment method options, and accepts the user's selection of the payment method, and When the user selects contactless payment or magnetic stripe payment as the payment method, a code generation means generates a two-dimensional barcode for accessing a payment site for making the payment using contactless payment or magnetic stripe payment. Output processing means for displaying the generated two-dimensional barcode on the payment terminal, A program designed to function as such.

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