MPM payment system, user terminal, store operator server and program

Abstract

To provide an MPM settlement system which is highly convenient for a user and a store business operator, a user terminal, a store business operator server, and a program.SOLUTION: An MPM settlement system 10 includes: a user terminal 1 with a camera on which one settlement application for selecting various settlement brands is installed; a store terminal 102 with a two-dimensional code presenter 102a for presenting a two-dimensional code obtained by encoding a store ID; and a store business operator server 2 which causes a settlement server 104 corresponding to a settlement brand to execute settlement processing, on receipt of a settlement request for electronic settlement on a coupon of a commodity to be purchased through the desired settlement brand, from the user terminal 1, after a collation for electronic settlement based on the store ID, via a predetermined intermediate server 103 used in common by an arbitrary business operator, or directly. The store business operator server 2 is dedicated to a business operator of the store terminal 102, and manages a settlement history via the settlement application.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an MPM (Merchant Presented Mode) payment system, user terminal, store operator server, and program that allows a user terminal to read a two-dimensional code presented on a two-dimensional code presenter installed in a store, and electronically pays for product coupons using a payment brand selected and designated on the user terminal. [Background technology]

[0002] Conventionally, in stores that have contracts with various payment brands (hereinafter referred to as "payment contract stores"), a QR (registered trademark) code (hereinafter referred to as "two-dimensional code") encoding a store ID (identifier) ​​can be presented by a two-dimensional code presenter installed in the payment contract store. An MPM payment system is generally known in which a user reads the two-dimensional code using a user terminal such as a smartphone, and electronic payment is made with a coupon for a product desired to be purchased using a payment brand selected and designated by the user (for example, see Non-Patent Document 1).

[0003] Recent user terminals are configured as mobile terminals with cameras. Payment applications (software) for reading two-dimensional codes and making electronic payments are prepared for each of the various payment brands for the user terminals. Generally, such payment applications (hereinafter referred to as "payment apps") for each of the various payment brands are pre-installed on the user terminal, or can be downloaded from various service servers via the Internet. Furthermore, the payment apps for each of the various payment brands can also obtain and hold coupons for products to be purchased via the Internet. The user terminal can then start up a payment app dedicated to the payment brand selected and designated by the user, read the two-dimensional code presented on the two-dimensional code presenter with the camera of the user terminal, and make electronic payments with the coupons for the products to be purchased using the payment brand selected and designated by the user. [Prior art documents] [Non-patent literature]

[0004] [Non-Patent Document 1] “Guidelines for Unified Technical Specifications for Code Payments”, [online], Cashless Promotion Council, Ver. 2.0, April 27, 2020, [Retrieved March 15, 2021], Internet〈URL:https: / / www.paymentsjapan.or.jp / wordpress / wp-content / uploads / 2020 / 04 / MPM_Guideline_2.0.pdf〉 Summary of the Invention [Problem to be solved by the invention]

[0005] As mentioned above, Non-Patent Document 1 discloses an MPM payment system in which a user uses a user terminal such as a smartphone to read a two-dimensional code, and electronically pays for a coupon for a product that the user wishes to purchase using a payment brand selected and designated by the user.

[0006] Here, a schematic configuration of a conventional MPM payment system will be described with reference to Fig. 7. Note that Non-Patent Document 1 discloses an MPM payment system that distinguishes between a "static QR (registered trademark) code" and a "dynamic QR (registered trademark) code", but the conventional MPM payment system shown in Fig. 7 is illustrated as having a system configuration that can handle either of them.

[0007] FIG. 7 is a block diagram showing a schematic configuration of a conventional MPM payment system 100. As shown in FIG. A conventional MPM payment system 100 shown in FIG. 7 includes a user terminal 101 with a camera and installed with a conventional payment app used by a user; a store terminal 102 equipped with a two-dimensional code presenter 102a for presenting a two-dimensional code encoding a store ID installed in a payment contract store in a readable manner to the user terminal 101; and an intermediate server 103 which accepts an electronic payment request for a coupon for a product desired to be purchased from the user terminal 101 using a payment app dedicated to a payment brand selected and designated by the user after verifying the electronic payment based on the store ID obtained from the two-dimensional code, causes a payment server 104 corresponding to the payment brand (a payment server corresponding to the payment brand selected and designated by the user from payment servers 5A, 5B, 5C, etc. provided by payment manufacturers A, B, C, etc. associated with each payment brand) to execute payment processing for the electronic payment request, and obtains payment completion information indicating that the payment has been completed from the payment server 104 and transmits the information to the user terminal 101 and the store terminal 102.

[0008] Here, a plurality of payment apps for various payment brands are installed in the user terminal 101, and coupon information for electronic payment of products the user wishes to purchase is acquired and stored in advance on each payment app for which the user has registered using a user ID, and can be selected and designated by the user's operation. A two-dimensional code encoding a store ID is presented on the two-dimensional code presenter 102a in a fixed (static) manner or variably (dynamic) manner by operation from the store terminal 102. The intermediate server 103 is communicatively connected to the store terminal 103 and various payment servers 104 via the Internet, and can also be communicatively connected to the user terminal 101 via the store terminal 102 or directly via a mobile phone network or short-distance wireless communication. The intermediate server 103 is installed in a payment processing center that has contracts with various payment brands, and is shared by businesses other than the business of the store terminal 102.

[0009] In this conventional MPM payment system 100, first, the user selects and launches a payment app dedicated to the desired payment brand from multiple payment apps for various payment brands on the user terminal 101, and as a function of this conventional payment app, reads the two-dimensional code presented on the two-dimensional code presenter 102a and obtains the store ID read from the two-dimensional code.

[0010] Next, when the user terminal 101 acquires the store ID from the two-dimensional code as a function of a conventional payment app, it automatically connects to communicate with the intermediate server 103 and transmits a matching request including the payment brand information, the user ID, and the store ID to the intermediate server 103.

[0011] Next, the intermediate server 103 accepts a matching request including payment brand information, a user ID, and a store ID transmitted from the user terminal 101, identifies a payment server 104 associated with the payment brand indicated in the payment brand information, and causes the corresponding payment server 104 to execute a matching process for matching the store ID. Then, when the intermediate server 103 receives matching completion information indicating that matching is completed from the payment server 104, it replies to the user terminal 101. Note that the intermediate server 103 also replies to the user terminal 101 when it receives matching failure information indicating that matching is not possible from the payment server 104, but operates not to accept the payment process of the electronic payment for which matching is not possible.

[0012] Next, as a function of a conventional payment app, when user terminal 101 receives notice of the completion of matching, it automatically connects to communicate with intermediate server 103 and transmits a payment request to intermediate server 103, including the user ID, the store ID, the coupon information for electronic payment of the product the user wishes to purchase, the payment brand information, and transaction amount information indicating the transaction amount related to the coupon information. Here, as a function of a conventional payment app, the transaction amount information may be automatically specified as a fixed transaction amount corresponding to the coupon information depending on the type of coupon, or may be specified by the user inputting the transaction amount. In addition, instead of sending the electronic payment matching request (including payment brand information, user ID, and store ID) and the electronic payment settlement request (including user ID, store ID, coupon information for electronic payment of the product the user wishes to purchase, payment brand information, and transaction amount information indicating the transaction amount related to the coupon information) sent from the user terminal 1 to the store operator server 2 in chronological order, the sending operation of this matching request can be omitted and the matching process can be incorporated into pre-processing of the electronic payment settlement request, so that matching and settlement are performed as a series of processes when the electronic payment settlement request is sent.

[0013] Next, the intermediate server 103 accepts the payment request sent from the user terminal 101, identifies the payment server 104 that corresponds to the matched payment brand information and store ID, and causes the corresponding payment server 104 to execute payment processing for the payment request. Then, when the intermediate server 103 receives payment completion information indicating that the payment is completed from the payment server 104, it transmits that information to the user terminal 101 and the store terminal 102.

[0014] This allows the user operating the user terminal 101 to electronically pay for the coupon of the product he or she wishes to purchase using the selected payment brand. The user operating the user terminal 101 and the store manager who manages the store terminal 102 can then confirm that the electronic payment has been completed successfully.

[0015] However, in the conventional MPM payment system 100 shown in FIG. 7, multiple payment apps for various payment brands need to be installed on the user terminal 101, which makes electronic payment operations cumbersome for the user and leaves room for improvement in terms of user convenience.

[0016] 7, the intermediate server 103 is installed in a payment processing center that has contracts with various payment brands, and is shared by businesses other than the business of the store terminal 102. For this reason, for example, if the business of the store terminal 102 operates multiple stores, it becomes cumbersome to identify and collect information on electronic payments for each store, and there is room for improvement in terms of convenience for the store business operators.

[0017] In view of the above-mentioned problems, an object of the present invention is to provide an MPM payment system, a user terminal, a store operator server, and a program that are highly convenient for both users and store operators. [Means for solving the problem]

[0018] The MPM payment system of the present invention is an MPM payment system that has a user terminal read a two-dimensional code presented on a two-dimensional code presenter installed in a store, and electronically pays for product coupons using a payment brand selected and designated on the user terminal side, and includes a user terminal with a camera on which one payment application is installed that allows the user to select from various payment brands to be used, a store terminal with a two-dimensional code presenter that presents a two-dimensional code that encodes a store ID installed in the store to the user terminal so that the code can be read by the camera, and a verification of electronic payment based on the store ID obtained from the two-dimensional code from the user terminal that operates when the payment application is started. and a store operator server dedicated to the operator of the store terminal, which has the function of accepting an electronic payment request for a coupon for a product desired to be purchased using a payment brand selected and designated by the user from among various payment brands, and executing payment processing for the electronic payment request to a payment server corresponding to the selected and designated payment brand, either directly or via a specified intermediate server commonly used by other operators other than the operator of the store terminal, wherein the store operator server has the function of obtaining payment completion information indicating that the electronic payment has been completed from the payment server and sending it to the user terminal and the store terminal, and managing the payment history via the payment application.

[0019] Furthermore, in the MPM payment system of the present invention, the store operator server is characterized in that it has a function of causing a payment server corresponding to the selected and specified payment brand to execute payment processing for the electronic payment request via the intermediate server.

[0020] Furthermore, in the MPM payment system of the present invention, the store operator server is characterized by having a function of directly causing a payment server corresponding to the selected and specified payment brand to execute payment processing for the electronic payment request.

[0021] In addition, the user terminal of the present invention is a user terminal in the MPM payment system of the present invention in which the payment application is installed, and comprises a camera capable of reading a two-dimensional code presented on the two-dimensional code presenter, an attitude sensor that detects the attitude of the user terminal, a terminal user interface that enables screen display and user operation of the payment application, and a control unit having a payment application execution unit that executes the functions of the payment application, wherein the payment application execution unit has, as a function of the payment application, a function of monitoring attitude detection by the attitude sensor during the operation of reading the two-dimensional code presented on the two-dimensional code presenter with the camera, and automatically enlarging the contents captured by the camera on the display screen of the payment application in the terminal user interface while the user terminal is tilted within a predetermined tilt angle.

[0022] In addition, the user terminal of the present invention is further provided with a vibrator that vibrates the main body of the user terminal, and the payment app execution unit has, as a function of the payment application, a function of activating the vibrator to vibrate the main body of the user terminal when reading of the two-dimensional code is completed.

[0023] In addition, the store operator server of the present invention is a store operator server dedicated to the operator of the store terminal in the MPM payment system of the present invention, and is characterized in having a function of accepting, from the user terminal, which operates by starting the payment application, a payment request for electronic payment for a coupon for a product desired to be purchased, using a payment brand selected and designated by the user from among various payment brands after electronic payment verification, and causing a payment server corresponding to the selected and designated payment brand to execute payment processing for the electronic payment request, either directly or via an intermediate server shared by other operators other than the operator of the store terminal, and a function of obtaining payment completion information indicating that the electronic payment has been completed from the payment server and sending it to the user terminal and the store terminal, and managing the payment history via the payment application.

[0024] Further, the program of the present invention is configured as the payment application for causing the payment application execution unit to function in a computer configured as the control unit in the user terminal of the present invention. Effect of the Invention

[0025] According to the present invention, electronic payments in an MPM payment system can be made via a user terminal in a manner that is highly convenient for the user, and information regarding electronic payments for each store in the MPM payment system can be collected in a manner that is highly convenient for store operators. [Brief description of the drawings]

[0026] [Figure 1] FIG. 1 is a block diagram showing a schematic configuration of an MPM payment system according to an embodiment of the present invention. [Diagram 2] FIG. 1 is a block diagram showing a schematic configuration of a user terminal and a shop operator server in an MPM payment system according to an embodiment of the present invention. [Diagram 3] 1 is a flowchart illustrating a typical operation example of an MPM payment system according to an embodiment of the present invention. [Figure 4] 1A to 1C are diagrams illustrating a display screen that changes in response to a two-dimensional code reading operation of a user terminal in an MPM payment system according to one embodiment of the present invention, and FIG. 1D is a diagram showing the operation of the user terminal when reading of the two-dimensional code is completed. [Diagram 5] FIG. 2 is a diagram showing an example of a payment history management table stored in a store operator server in the MPM payment system according to an embodiment of the present invention. [Figure 6] FIG. 13 is a block diagram showing a schematic configuration of a modified MPM payment system according to the present invention. [Figure 7] FIG. 1 is a block diagram showing a schematic configuration of a conventional MPM payment system. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0027] [System Configuration] An MPM payment system 10 according to an embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a schematic configuration of an MPM payment system 10 according to an embodiment of the present invention. In FIG. 1, the same components as those shown in FIG. 7 are given the same reference numbers. The MPM payment system 10 according to an embodiment of the present invention shown in FIG. 1 differs from the conventional MPM payment system 100 shown in FIG. 7 in that a user terminal 1 on which a payment app according to the present invention (also referred to as a "TichetQR app" in this specification to distinguish it from the conventional one) is used instead of the user terminal 101 shown in FIG. 7, and a store operator server 2 (also referred to as a "TichetQR server" in this specification) that operates in association with the "TichetQR app" is newly provided.

[0028] Therefore, the components other than the user terminal 1 and the store operator server 2 in the MPM payment system 10 of this embodiment, namely the store terminal 102 with a two-dimensional code presenter 102a, the intermediate server 103, and the payment server 104 (the payment server corresponding to the payment brand specified by the user among the payment servers 5A, 5B, 5C, etc. provided by payment manufacturers A, B, C, etc. associated with each payment brand), are configured the same as those of the conventional ones and have the same functions.

[0029] More specifically, the MPM payment system 10 according to an embodiment of the present invention shown in FIG. 1 includes a user terminal 1 with a camera on which a payment app ("TichetQR app") according to the present invention is installed and used by a user, a store terminal 102 equipped with a two-dimensional code presenter 102a for presenting a two-dimensional code that encodes a store ID installed at a contracted payment store to the user terminal 1 so that the code can be read by the camera, and a payment application ("TichetQR app") according to the present invention, which is operated by starting the user terminal 1, and a payment application ("TichetQR app") according to the present invention, which is used to verify electronic payment based on the store ID obtained from the two-dimensional code, and a store terminal 102 equipped with a two-dimensional code presenter 102a for presenting electronic payment based on the store ID obtained from the two-dimensional code to the user terminal 1. and a store operator server 2 ("TichetQR server") dedicated to the operator of the store terminal 102, which has a function of accepting a payment request for electronic payment related to a coupon for a product desired to be purchased using a payment brand selected and designated from among the above after the verification (in this embodiment, the verification request is made separately from the payment request, but the verification operation may be combined with the operation of the payment request), and executing a payment process for the payment request for electronic payment to a payment server 104 corresponding to the selected and designated payment brand via an intermediate server 103 shared by operators other than the operator of the store terminal 102 (or directly in a modified example described later with reference to FIG. 6). The store operator server 2 ("TichetQR server") has a function of acquiring payment completion information indicating that the electronic payment has been completed from the payment server 104, transmitting it to the user terminal 1 and the store terminal 102, and managing the payment history via the payment app ("TichetQR app") according to the present invention.

[0030] Here, a payment app ("TichetQR app") that allows the user to select from various payment brands is installed on the user terminal 1, and coupon information for electronic payment of products the user wishes to purchase is acquired and stored in advance on the payment app, to which the user has already registered using a user ID. The payment app ("TichetQR app") is configured as an application that requires user registration (name, contact information, date of birth, gender, etc.) with the business operator of the store terminal 102, and is designed to be launched with a user ID and password. In addition, the payment app ("TichetQR app") can acquire and store coupons for products the user wishes to purchase via the Internet.

[0031] As in the past, a two-dimensional code encoded with a store ID is presented on the two-dimensional code presenter 102a in a fixed (static) manner or variably (dynamic) in response to an operation from the store terminal 102. The intermediate server 103 is communicatively connected to the store operator server 2 and various payment servers 104 via the Internet. The store operator server 2 according to the present invention is communicatively connected to the store terminal 103 via the Internet, and can also be communicatively connected to the user terminal 1 via the store terminal 102, or directly via a mobile phone network or short-distance wireless communication, and is installed in a store operator management center that manages the operation of the payment contract store, or in the payment contract store.

[0032] Meanwhile, the user terminal 1 according to the present invention does not require multiple payment apps for various payment brands to be installed, and instead comes installed with one payment app (the "TichetQR app") that allows users to select from various payment brands, which simplifies electronic payment operations for the user and provides high convenience for the user.

[0033] Furthermore, the intermediate server 103 is installed in a payment processing center that has contracts with various payment brands as in the past, and is shared by businesses other than the business of the store terminal 102, but the store business server 2 according to the present invention is dedicated to the business of the store terminal 102 and cannot be used by other businesses. For this reason, for example, in cases where the business of the store terminal 102 operates multiple stores, it becomes easy to collect information on electronic payments for each store, which is highly convenient for the store business.

[0034] More specifically, the configurations of the user terminal 1 and the shop operator server 2 according to the present invention will be described in detail below with reference to Fig. 2. Fig. 2 is a block diagram showing a schematic configuration of the user terminal 1 and the shop operator server 2 in an MPM payment system 10 according to one embodiment of the present invention.

[0035] (User terminal) As shown in FIG. 2, the user terminal 1 is a typical smartphone or tablet equipped with a camera 11 capable of reading two-dimensional codes, and in particular, the user terminal 1 of this embodiment is equipped with the camera 11, a wireless communication unit 12, an attitude sensor 13, a vibrator 14, a terminal UI (user interface) 15, a memory unit 16, and a control unit 17.

[0036] The control unit 17 in the user terminal 1 can be configured as a computer having a central processing unit (CPU), and by reading and executing programs stored in a specified storage area of ​​the memory unit 16, it causes the camera 11 that captures an image of a subject, the wireless communication unit 12 that enables wireless communication with an external device (in this example, the store operator server 2), the attitude sensor 13 that detects the attitude of the user terminal 1, such as an acceleration sensor, the vibrator 14 that vibrates the main body of the user terminal 1, and the terminal UI 15 that displays the screen of the payment app ("TichetQR app") on the user terminal 1 and enables user operation, and in particular, as a function related to this embodiment, it causes the payment app execution unit 171 to function.

[0037] That is, one payment app ("TichetQR app") that allows the user to select from various payment brands according to the present invention is already installed in the memory unit 16, and the control unit 17 starts up the payment app ("TichetQR app") by a user operation via the terminal UI 15, and causes the payment app execution unit 171 to function. The payment app ("TichetQR app") allows the user to select a desired payment brand from various payment brands by a user operation, and coupon information for electronic payment of the product the user wishes to purchase is acquired and stored in advance on the payment app, which can be selected and designated by a user operation.

[0038] The payment application execution unit 171 is a functional unit that executes the functions of the payment application ("TichetQR application"), and includes a code reading control unit 1711 and a payment verification request execution unit 1712.

[0039] The code reading control unit 1711 is a functional unit that automatically decodes the two-dimensional code presented on the two-dimensional code presenter 102a by the camera 11 after the desired payment brand is selected from various payment brands by user operation on the payment app ("TichetQR app"), and obtains the store ID read from the two-dimensional code.

[0040] The payment matching request execution unit 1712 has a payment matching function and a payment request execution function as functions of the payment application ("TichetQR application") according to the present invention.

[0041] The payment matching function in the payment matching request execution unit 1712, when it obtains a store ID from the two-dimensional code by the code reading control unit 1711, automatically establishes communication with the store operator server 2, sends an electronic payment matching request including the payment brand information, user ID, and store ID specified by the user to the store operator server 2, has the store operator server 2 accept the matching request, identifies the payment server 104 associated with the payment brand indicated in the payment brand information, and executes a matching process via the intermediate server 103 to match the store ID with the corresponding payment server 104.

[0042] When the payment request execution function of the payment matching request execution unit 1712 receives notification that the matching of the electronic payment has been completed via the store operator server 2, it automatically establishes communication with the store operator server 2, sends an electronic payment request including the user ID, the store ID, the coupon information for electronic payment of the product the user wishes to purchase, the payment brand information, and transaction amount information indicating the transaction amount related to the coupon information to the store operator server 2 ("TichetQR server"), has the store operator server 2 ("TichetQR server") accept the electronic payment request, identifies the payment server 104 associated with the payment brand indicated in the payment brand information, has the corresponding payment server 104 execute payment processing for the electronic payment request via the intermediate server 103, obtains payment completion information indicating that the payment has been completed via the intermediate server 103, and has the store operator server 2 ("TichetQR server") send this information to the user terminal 1 and the store terminal 102. Here, as a function of the payment app ("TichetQR app") of the present invention, the transaction amount information is either automatically specified as a fixed transaction amount corresponding to the coupon information depending on the type of coupon, or specified by the user by inputting the transaction amount.

[0043] The payment app ("TichetQR app") according to the present invention is capable of managing and storing a user's payment history, and the user's payment history can be checked on the display screen of the terminal UI 15.

[0044] The code reading control unit 1711, which will be described later with reference to Figures 4(a) to (c), monitors the attitude detection by the attitude sensor 13 while the camera 11 is reading the two-dimensional code presented on the two-dimensional code presenter 102a, and has the function of automatically enlarging the content captured by the camera 11 on the display screen of the terminal UI 15 while the user terminal 1 is tilted within a specified tilt angle (for example, within a range of 15° to 45° from the horizontal).

[0045] In addition, the code reading control unit 1711 has the function of activating the vibrator 14 to vibrate the main body of the user terminal 1 when the reading of the two-dimensional code is completed (when the code is decoded), as will be described later with reference to Figure 4 (d).

[0046] (Store operator server) As shown in Figure 2, the store operator server 2 includes a wireless communication unit 21 that enables wireless communication with the user terminal 1, a communication unit 22 that enables wired or wireless communication with the payment server 104 via the intermediate server 103, a communication unit 23 that enables wired or wireless communication with the store terminal 102, a memory unit 24, and a control unit 25.

[0047] The control unit 25 in the store operator server 2 shown in Figure 2 can be configured as a computer having a central processing unit (CPU), and by reading and executing programs stored in a specified storage area of ​​the memory unit 24, it causes the wireless communication unit 21 that enables wireless communication with the user terminal 1, the communication unit 22 that enables wired or wireless communication with the payment server 104 via the intermediate server 103, and the communication unit 23 that enables wired or wireless communication with the store terminal 102 to function, and in particular, as functions related to this embodiment, it causes the functional units of the payment matching request processing unit 251 and the payment history management unit 252 to function.

[0048] The payment matching request processing unit 251 has the function of accepting an electronic payment matching request (including payment brand information, user ID, and store ID) from the user terminal 1, identifying the payment server 104 associated with the payment brand indicated in the payment brand information, and causing the corresponding payment server 104 to execute a matching process to match the store ID via the intermediate server 103, and also accepts an electronic payment request (including user ID, store ID, coupon information, payment brand information, and transaction amount information) from the user terminal 1, identifying the payment server 104 associated with the payment brand indicated in the payment brand information, causing the corresponding payment server 104 to execute payment processing for the electronic payment request via the intermediate server 103, obtaining payment completion information indicating that the payment has been completed via the intermediate server 103, and transmitting this information to the user terminal 1 and the store terminal 102.

[0049] The payment history management unit 252, which will be described later with reference to FIG. 5, is a functional unit that manages the history of payments made via the payment application ("TichetQR application") according to the present invention.

[0050] (System Operation) FIG. 3 is a flowchart showing a typical operation example of the MPM payment system 10 according to one embodiment of the present invention.

[0051] In the MPM payment system 10 of this embodiment, first, the user launches a payment app ("TichetQR app") that allows the user to select various payment brands on the user terminal 1, and on this payment app ("TichetQR app"), the user operates the app to select a desired payment brand from among various payment brands, and selects and specifies coupon information for electronic payment for the product the user wishes to purchase (step S1).

[0052] Next, the user terminal 1 reads the two-dimensional code presented by the two-dimensional code presenter 102a using the code reading control unit 1711, which operates as a function of the payment app ("TichetQR app"), and obtains the store ID read from the two-dimensional code (step S2).

[0053] Figures 4(a) to (c) are diagrams explaining the display screen that changes in accordance with the two-dimensional code reading operation of the user terminal 1 in the MPM payment system 10 of this embodiment, and Figure 4(d) is a diagram showing the operation when the user terminal has completed reading the two-dimensional code.

[0054] First, as shown in FIG. 4(a), the code reading control unit 1711 monitors the attitude detection by the attitude sensor 13 during the operation of reading the two-dimensional code presented on the two-dimensional code presentation surface D of the two-dimensional code presenter 102a with the camera 11. Then, when the user terminal 1 is not tilted within a predetermined tilt angle (for example, within a range of 15° to 45° with respect to the horizontal), the code reading control unit 1711 presents a normal display screen on the display screen U1 of the payment application ("TichetQR application") in the terminal UI 15 as shown in FIG. 4(b). On the other hand, while the user terminal 1 is tilted within a predetermined tilt angle (for example, within a range of 15° to 45° with respect to the horizontal), the code reading control unit 1711 has a function of automatically enlarging the contents photographed by the camera 11 on the display screen U1 of the payment application ("TichetQR application") in the terminal UI 15 as shown in FIG. 4(c). This function does not exist in conventional payment apps, and as a result, during the operation of reading the two-dimensional code presented on the two-dimensional code presenter 102a, the two-dimensional code (illustrated as "U2") is displayed large, significantly shortening the camera focus time, shortening the time it takes to decode the two-dimensional code, and improving operability.

[0055] The payment app ("TichetQR app") is configured as an application that requires user registration (such as name, contact information, date of birth, and gender) with the store terminal 102 business operator, and is activated with a user ID and password. As shown in FIG. 4(b), on the display screen U1 of the payment app ("TichetQR app") on the terminal UI15, a coupon menu U3 that selectively displays coupon information for one or more products that have been acquired in advance, a payment brand menu U4 that displays a menu for selecting a desired payment brand from various payment brands by touch operation, a payment history menu U5 that displays a payment history by the user by touch operation, and a menu U6 that displays user registration details corresponding to the user ID by touch operation are presented. In this example, the transaction amount information is automatically specified as a fixed transaction amount corresponding to the coupon information when the user selects and specifies a coupon in the coupon menu U3 as a function of the payment app ("TichetQR app") according to the present invention, and a menu for inputting and specifying the transaction amount according to the coupon information is presented.

[0056] 4(d), the code reading control unit 1711 has a function of activating the vibrator 14 to vibrate the main body of the user terminal 1 when reading of the two-dimensional code is completed (when the code is decoded). This function does not exist in conventional payment apps, and it eliminates the need for the user to check the display screen U1, and further improves operability compared to notification by buzzer sound, which can be difficult to hear or often missed.

[0057] Referring to Figure 3, when the user terminal 1 acquires the store ID from the two-dimensional code presented on the two-dimensional code presenter 102a, the payment matching function of the payment matching request execution unit 1712, which operates as a function of the payment app ("TichetQR app"), automatically connects to the store operator server 2 and sends an electronic payment matching request including the payment brand information, user ID, and store ID specified by the user to the store operator server 2 (step S3).

[0058] The store operator server 2, by using the function of the payment matching request processing unit 251, accepts a matching request for electronic payment (including payment brand information, user ID, and store ID) from the user terminal 1, identifies the payment server 104 associated with the payment brand indicated in the payment brand information, and executes a matching process to match the store ID with the corresponding payment server 104 via the intermediate server 103 (steps S4, S5, S6). When the intermediate server 103 receives matching completion information indicating that matching is completed from the payment server 104, it replies to the store operator server 2, and the store operator server 2 replies to the matching completion information to the user terminal 1. Note that when the intermediate server 103 receives matching failure information indicating that matching is not possible from the payment server 104, it also replies to the store operator server 2, and the store operator server 2 replies to the matching failure information to the user terminal 1, and operates not to accept the payment process of electronic payment including the payment brand information and store ID that are determined to be unmatchable.

[0059] Next, when the user terminal 1 receives matching completion information indicating that the matching of the electronic payment has been completed via the store operator server 2, it automatically connects to communicate with the store operator server 2 and sends an electronic payment request to the store operator server 2, including the user ID, the store ID, the coupon information for electronic payment of the product the user wishes to purchase, the payment brand information, and transaction amount information indicating the transaction amount related to the coupon information (step S7).

[0060] The store operator server 2, using the function of the payment matching request processing unit 251, accepts the payment request for the electronic payment from the user terminal 1 (including the user ID, store ID, the coupon information for the electronic payment of the product the user wishes to purchase, the payment brand information, and transaction amount information indicating the transaction amount related to the coupon information), identifies the payment server 104 associated with the payment brand indicated in the payment brand information, and causes the corresponding payment server 104 via the intermediate server 103 to execute payment processing for the payment request for the electronic payment (steps S8, S9, S10). Then, when the intermediate server 103 receives payment completion information indicating that the payment has been completed from the payment server 104, it replies to the store operator server 2, and the store operator server 2 transmits the matching completion information to the user terminal 1 and the store terminal 102.

[0061] The store operator server 2 manages the history of payments made via the payment app ("TichetQR app") according to the present invention as a payment history management table exemplified in FIG. 5, using the function of the payment history management unit 252.

[0062] 5 is a diagram showing an example of a payment history management table by the store operator server 2 in the MPM payment system 10 according to an embodiment of the present invention. In the payment history management table, store ID, payment date and time, product ID (product code) specified by coupon information, information indicating an overview of the product type and price, payment brand information, and user information based on the user ID are automatically recorded. This allows the operator of the store terminal 102 to easily collect information on what kind of user (gender and age group), at what store (area), what product, at what date and time, and with which payment brand they made a payment, and makes it easy to generate basic data for business development, etc.

[0063] Thus, according to the MPM payment system 10 of this embodiment, similar to the conventional MPM payment system 100, a user operating the user terminal 1 can make an electronic payment with a coupon for a product he or she wishes to purchase using a desired payment brand, and the user operating the user terminal 1 and the store manager managing the store terminal 102 can also confirm that the electronic payment has been completed successfully. Not only this, but the MPM payment system 10 of this embodiment has the following advantages not available in the conventional system.

[0064] First, according to the MPM payment system 10 of this embodiment, a user can select a desired payment brand from various payment brands using one payment app (the "TichetQR app"), making it possible for the user to make electronic payments in the MPM payment system 10 via the user terminal 1 in a manner that is highly convenient for the user.

[0065] Next, according to the MPM payment system 10 of this embodiment, a store operator server 2 (not available to other operators) is provided exclusively for the operator of the store terminal 102, which has high resistance to information leaks. In addition, the payment history management unit 252 has the function of managing payment history via the payment app ("TichetQR app") related to the present invention as a payment history management table as shown in FIG. 5, so that the operator of the store terminal 102 can easily collect information on electronic payments and easily generate basic data for business development, etc.

[0066] Next, according to a preferred example of a mobile terminal 1 having the payment app ("TichetQR app") of the present invention installed, while the camera 11 is reading a two-dimensional code presented on the two-dimensional code presenter 102a, the attitude detection by the attitude sensor 13 is monitored, and while the user terminal 1 is tilted within a predetermined tilt angle (for example, within a range of 15° to 45° from the horizontal), the contents captured by the camera 11 are automatically enlarged on the display screen U1 of the payment app ("TichetQR app") on the terminal UI 15. Therefore, while the two-dimensional code is being read, the two-dimensional code is displayed larger, which significantly shortens the camera focus time, shortens the time it takes to decode the two-dimensional code, and improves operability.

[0067] Next, in a preferred example of a mobile terminal 1 having the payment app of the present invention ("TichetQR app") installed, when the reading of the two-dimensional code is completed (when the code is decoded), the vibrator 14 is activated to vibrate the main body of the user terminal 1, which means that the user does not have to check the display screen. Furthermore, since notifications by buzzer sound, for example, can be difficult to hear and are often missed, this provides improved operability compared to notifications by buzzer sound.

[0068] [Modifications] Fig. 6 is a block diagram showing a schematic configuration of a modified MPM payment system 10 according to the present invention. In Fig. 6, the same components as those shown in Fig. 1 are given the same reference numbers.

[0069] The modified MPM payment system 10 shown in Figure 6 differs from the one shown in Figure 1 in that it omits the intervention of the intermediate server 103 that is also used by business operators other than the business operator of the store terminal 102, and instead has a store operator server 2 ("TichetQR server") dedicated to the business operator of the store terminal 102 directly execute the above-mentioned electronic payment verification request processing and payment request processing on the payment server 104, but is otherwise similar to the one shown in Figure 1. The modified MPM payment system 10 shown in Figure 6 has the same advantages as the one shown in Figure 1 above, but because no business operators other than the business operator of the store terminal 102 can be involved, the system is even more resistant to information leaks (confidentiality), allowing the business operator of the store terminal 102 to easily collect information on electronic payments and easily generate basic data for business development, etc.

[0070] Although the present invention has been described above by way of examples of specific embodiments, the present invention is not limited to the above-described embodiments and can be modified in various ways without departing from the technical concept thereof.

[0071] For example, in the MPM payment system 10 shown in Figures 1 and 6 above, an example has been described in which the electronic payment matching request (including payment brand information, user ID, and store ID) sent from the user terminal 1 to the store operator server 2 and the electronic payment request (including the user ID, store ID, coupon information for electronic payment of the product the user wishes to purchase, the payment brand information, and transaction amount information indicating the transaction amount related to the coupon information) are sent in chronological order, but it is also possible to omit the operation of sending this matching request and incorporate the matching process into pre-processing of the electronic payment request, so that matching and payment are performed as a series of processes when the electronic payment request is sent.

[0072] In addition, an example has been described in which the user ID is also sent in the verification request and payment request for the electronic payment, but if the user ID is verified with the store operator server 2 and a communication connection is maintained when the payment app ("TichetQR app") is launched, the user ID may be omitted from being included in the verification request and payment request for the electronic payment.

[0073] In addition, in the user terminal 1 in the MPM payment system 10 shown in Figures 1 and 6 above, it has been explained that the user's payment history is managed and stored on the payment app ("TichetQR app") of the present invention, and that the user's payment history can be checked on the display screen of the terminal UI 15. However, instead of storing the payment history on the payment app ("TichetQR app"), the system may be configured to operate in such a way that the user can check the payment history by inquiring about the user's payment history from the store operator server 2 ("TichetQR server").

[0074] Therefore, the shielding device according to the present invention is not limited to the above-described exemplary embodiments, but is limited only by the scope of the claims. [Industrial Applicability]

[0075] According to the present invention, it becomes possible to collect information regarding electronic payments for each store in an MPM payment system in a manner that is highly convenient for both users and store operators, and therefore the present invention is useful for MPM electronic payment applications. [Explanation of symbols]

[0076] 1 User terminal according to the present invention 2. Store operator server according to the present invention 10. MPM-type payment system according to the present invention 11 Camera 12 Wireless Communication Section 13 Attitude Sensor 14 Transducer 15 Terminal UI 16 Memory section 17 Control Unit 21 Wireless Communication Department 22 Communications Department 23 Communications Department 24 Memory section 25 Control Unit 102 Store terminal 102a 2D court display device 103 Intermediate Server 104, 104A, 104B, 104C Payment server 100 Conventional MPM payment system 101 Prior art user terminal 171 Payment Application Execution Department 251 Payment matching request processing unit 252 Payment History Management Department 1711 Code reading control unit 1712 Payment matching request execution unit

Claims

1. A Merchant Presented Mode (MPM) payment system in which a two-dimensional code presented by a two-dimensional code presenter installed in a store is read by a user terminal, and a coupon for a product is electronically paid for using a payment brand selected and designated by the user terminal, A user terminal with a camera on which a payment application is installed that allows the user to select various payment brands to be used; a store terminal equipped with a two-dimensional code presenter for presenting a two-dimensional code, which is an encoded store ID and is installed in the store, to the user terminal in a manner readable by the camera; a store operator server dedicated to the store terminal operator, which has a function of accepting an electronic payment request for a coupon for a product desired to be purchased using a payment brand selected from various payment brands by a user from the user terminal operated by starting the payment application, after verifying electronic payment based on a store ID obtained from the two-dimensional code, and executing payment processing for the electronic payment request to a payment server corresponding to the selected payment brand directly or via a predetermined intermediate server shared by other operators other than the store terminal operator, The store operator server has the function of obtaining payment completion information indicating that the electronic payment has been completed from the payment server, sending it to the user terminal and the store terminal, and managing the payment history via the payment application.

2. 2. The MPM payment system according to claim 1, wherein the store operator server has a function of causing a payment server corresponding to the selected and specified payment brand to execute payment processing for the electronic payment request via the intermediate server.

3. 2. The MPM payment system according to claim 1, wherein the store operator server has a function of directly causing a payment server corresponding to the selected and specified payment brand to execute payment processing for the electronic payment request.

4. 4. The MPM payment system according to claim 1, wherein the payment application is installed on a user terminal, a camera capable of reading the two-dimensional code presented on the two-dimensional code presenter; an attitude sensor that detects the attitude of the user terminal; a terminal user interface that enables a screen display and user operation of the payment application; a control unit having a payment application execution unit that executes a function of the payment application, The payment app execution unit is a user terminal characterized in that, as a function of the payment application, it monitors the attitude detection by the attitude sensor while the camera is reading the two-dimensional code presented on the two-dimensional code presenter, and automatically enlarges the contents captured by the camera on the display screen of the payment application in the terminal user interface while the user terminal is tilted within a predetermined tilt angle.

5. Further comprising a vibrator for vibrating a main body of the user terminal, The user terminal according to claim 4, characterized in that the payment application execution unit has, as a function of the payment application, a function of activating the vibrator to vibrate the main body of the user terminal when reading of the two-dimensional code is completed.

6. 4. A store operator server dedicated to the store terminal operator in the MPM payment system according to claim 1, a function of accepting, from the user terminal operated by starting the payment application, a payment request for electronic payment related to a coupon for a product desired to be purchased using a payment brand selected and designated by the user from among various payment brands after electronic payment verification, and executing payment processing for the electronic payment request on a payment server corresponding to the selected and designated payment brand, either directly or via an intermediate server shared by businesses other than the business of the store terminal; a function of acquiring payment completion information indicating that the electronic payment has been completed from the payment server, transmitting the information to the user terminal and the store terminal, and managing a payment history via the payment application; A store operator server comprising:

7. A program configured as the payment application for causing a computer configured as the control unit in the user terminal according to claim 4 or 5 to function as the payment application execution unit.

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