Information processing device, method, and program

Abstract

To perform appropriate refund processing according to settlement means after performing settlement processing by a plurality of settlement means.SOLUTION: In a settlement management system where a user terminal, a franchise terminal, a settlement management server, a plurality of settlement servers, and a settlement proxy server connect to a communication network, the settlement management server which is an information processing comprises: a settlement execution unit which executes settlement processing of an original amount using first settlement means (digital money, point, and account payment) which is used for payment of a first amount and can refund a part of a settlement amount after settlement and second settlement means (credit card) different from the first settlement means; a cancellation amount acquisition unit which acquires a cancellation amount in settlement cancellation for cancelling at least a part of the settlement processing; a return unit which performs return processing for returning the cancellation amount to a user by the first settlement means when the cancellation amount is less than or equal to the first amount; and a resettlement execution unit which executes cancellation processing of the settlement processing and resettlement processing associated with the settlement cancellation when the cancellation amount is over the first amount.SELECTED DRAWING: Figure 5

Description

[Technical Field]

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

[0002] Traditionally, when purchasing products, multiple payment methods such as credit cards and points are used in combination. A payment technique is known (see, for example, Patent Document 1).

[0003] Patent Document 1 describes a system that stores the payment amounts of multiple payment methods for each individual product to be purchased. This allows us to understand how multiple payment methods were used for each individual purchased item. This allows you to cancel or return some items after the purchase process has been completed. In such cases, a refund process will be carried out according to the payment method used to purchase the product. It is being done. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2018-32247 Summary of the Invention [Problem to be solved by the invention]

[0005] By the way, if some products are returned after the purchase process has been completed, Depending on the payment method used, there may be restrictions on refund processing. For example, If the item has been returned, we will refund the points corresponding to the returned item. On the other hand, when payment is made by credit card, the entire payment is collected at once. It is necessary to cancel the order and refund the items that are not returned by re-paying. Returns may occur not only when payment is made with one payment method, but also when payment is made with multiple payment methods. This makes the process complicated and makes it difficult to properly process refunds.

[0006] The present invention has been made in consideration of the above-described circumstances, and is a payment processing method using a plurality of payment methods. If at least some of the payments are cancelled after the transaction is processed, appropriate refund procedures will be implemented according to the payment method. The present invention aims to provide an information processing device, method, and program capable of executing the above process. [Means for solving the problem]

[0007] An information processing device according to one aspect of the present invention includes: a first payment method used to pay a first amount; and then executing a payment process for the initial amount using a second payment means different from the first payment means. a settlement execution unit, and a cancellation amount in a settlement cancellation for canceling at least a part of the settlement processing; and when the cancellation amount is equal to or less than the first amount, the cancellation amount is paid to the user by the first payment means. a refund unit that executes a refund process to refund the amount to the user when the cancellation amount exceeds the first amount; The system includes a re-payment execution unit that executes cancellation processing and re-payment processing associated with the cancellation of payment.

[0008] An information processing method according to one aspect of the present invention includes: and then executing a payment process for the initial amount using a second payment means different from the first payment means. and obtaining a cancellation amount in a payment cancellation for canceling at least a part of the payment processing. and if the cancellation amount is less than the first amount, refund the cancellation amount to the user by the first payment means. and when the cancellation amount exceeds the first amount, canceling the settlement process. , and executing a re-payment process following the cancellation of the payment.

[0009] An information processing program according to one aspect of the present invention includes: The payment process for the initial amount is carried out using the payment method and a second payment method different from the first payment method. and a cancellation amount in a payment cancellation for canceling at least a part of the payment processing. and when the cancellation amount is equal to or less than the first amount, the cancellation amount is paid to the user by the first payment means. and if the cancellation amount exceeds the first amount, cancel the payment process. and executing a re-payment process in response to the cancellation of the payment. . [Effects of the Invention]

[0010] According to the present invention, after the execution of the payment process using a plurality of payment means, at least a part of the payment is In the case of cancellation, it is possible to carry out an appropriate refund process according to the payment method. [Brief explanation of the drawings]

[0011] [Figure 1] 1 is a network diagram showing a schematic configuration of a payment management system. [Figure 2] 10 is a diagram illustrating an example of a database stored in a storage device connected to the payment management server. FIG. [Figure 3] 1 is a table illustrating information stored in a user information database (DB). [Figure 4] 1 is a table illustrating information stored in a transaction information database (DB). [Figure 5] FIG. 2 is a block diagram illustrating the main functions of a payment management server (information processing device). [Figure 6] 10 is a flowchart showing a determination process in an amount change payment. [Figure 7]10 is a table illustrating a refund scheme according to the cancellation amount and the payment source. [Figure 8] FIG. 10 is a sequence diagram showing a payment process when payment is made via bank account. [Figure 9] FIG. 10 is a sequence diagram showing a payment process when payment is made with points. [Figure 10] FIG. 10 is a sequence diagram showing a payment process when payment is made by credit card. [Figure 11] FIG. 10 is a sequence diagram showing the payment process when payment is made with a credit card and points (when the cancellation amount does not exceed the point payment amount). [Figure 12] FIG. 10 is a sequence diagram showing the payment process when payment is made with a credit card and points (when the cancellation amount exceeds the point payment amount). [Figure 13] 10 is a table showing examples of refunds according to the setting of the payment method. [Figure 14] 10 is a table showing examples of refunds according to the setting of the payment method. [Figure 15] FIG. 10 is a diagram illustrating an example of a usage history screen displayed on a user terminal. [Figure 16] FIG. 10 is a diagram illustrating an example of a usage history details screen displayed on a user terminal. [Figure 17] FIG. 10 is a diagram illustrating an example of a usage history screen displayed on a user terminal. [Figure 18] FIG. 10 is a diagram illustrating an example of a usage history details screen displayed on a user terminal. DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The same reference numerals are used for the elements, and redundant explanations will be omitted. We will explain the payment process for purchasing products on an e-commerce site ( This embodiment can also be applied to payment processing in so-called online shops.

[0013] [Configuration of payment management system] FIG. 1 shows a schematic configuration of a payment management system including an information processing device according to an embodiment of the present invention. This is a network diagram of the payment management system (hereinafter referred to as "this system") 1. We provide payment services when users (customers) purchase products at affiliated stores of this system 1. In this specification, the term "product" refers to a physical object. In addition to goods, it also includes services (for example, providing meals at a restaurant), and "purchase" refers to the purchase of goods. This includes not only the payment of the price of the goods but also the payment of the price for the services. In addition to returning the physical product to the store, you may also cancel the service you have ordered. This also includes the following.

[0014] As shown in FIG. 1, the payment management system 1 includes a user terminal 10, a member store terminal 20, and a payment A payment management server 30, a plurality of payment servers 50A to 50D, and a payment agent (Payment Gateway PGW) server 60. User terminal 10, affiliated store terminal 20, payment management server 30 The payment servers 50A to 50D and the PGW server are connected to a communication network N. There are.

[0015] The communication network N exchanges information between devices connected to the communication network N. The communication network N includes, for example, the Internet, a LAN, Dedicated lines, telephone lines, corporate networks, mobile communication networks, Bluetooth (registered trademark), Wi-Fi (Wireless Fidelity), other communication lines, or a combination of these. The user terminal 10 and the affiliated store terminal may be connected via a wired or wireless connection. The end 20 is a device that sends and receives information via near field communication (NFC). It is also possible to do this.

[0016] The user terminal 10 is a terminal device used by a user, such as a smartphone or tablet. The user terminal can be configured by a general-purpose portable computer such as a laptop terminal. 10 includes a communication interface, an input device, a display device, and The computer includes a memory and a processor, and the processor executes a program stored in the memory. By doing so, the function of the user terminal 10 is fulfilled.

[0017] As a specific example, the user terminal 10 communicates with the payment management server 30, and the payment management server 30 Sending information for user registration and various settings to receive services provided by The user terminal 10 also performs a predetermined operation for payment at the affiliated store. For example, The user terminal 10 generates a payment code (barcode) to be read by the affiliated store terminal 20. The user terminal 10 may also have an imaging function. In this case, the user terminal 10 reads the two-dimensional code for payment displayed at the affiliated store. Alternatively, the user terminal 10 can communicate with the affiliated store terminal 20. It is also possible to make payments by sending and receiving information between them via short-range wireless communication.

[0018] In this embodiment, payment methods that can be used include, for example, credit cards. (hereinafter sometimes abbreviated as "Credit Card"), electronic money, points, accounts at affiliated banks and direct debit from a bank account other than the affiliated bank (so-called debit card). These payment methods require users to complete procedures such as issuing a credit card or opening a bank account in advance. After that, it can be used by registering it with the payment management server 30 via the user terminal 10 In addition, account payment is a specific payment method that allows you to make payments directly from your bank account balance. be.

[0019] The affiliated store terminal 20 is a terminal device used for settlement at an affiliated store, and may be, for example, General-purpose computers such as smartphones, tablets, and personal computers (PCs) The affiliated store terminal 20 can be configured using a dedicated cash register terminal or a dedicated cash register terminal. A card reader device, a bar code reader, etc. are connected to the affiliated store terminal 20. The computer includes an interface, an input device, a display device, a memory, and a processor. The processor executes the program stored in the memory, and the terminal functions as the affiliated store terminal 20. It performs the function of.

[0020] As a specific example, the member store terminal 20 communicates with the payment management server 30 and uses the system 1. In addition, the affiliated store terminal 20 transmits information for registering the affiliated store and various settings. When a user purchases a product, the payment management server 30 transmits the payment information to the payment management server 30. The payment information includes the price of the product as well as the information that the member store terminal 20 sends to the user terminal. The payment code displayed on the screen of the terminal 10 can be read, and the short distance between the terminal 10 and the payment code can be transmitted. This includes user information obtained through remote wireless communication and information about affiliated stores. That's fine too.

[0021] The user terminal 10 can read the two-dimensional code for payment displayed at the affiliated store. When payment is made by the above, payment information is sent from the user terminal 10 to the payment management server 30. The payment will be executed based on this payment information.

[0022] The payment management server 30 provides payment services when a user purchases a product at a member store. It is a server device (information processing device) for providing The payment management server 30 can be configured as a single computer. Alternatively, it may be configured by a plurality of computers distributed over a communication network N. .

[0023] As shown in FIG. 1, the payment management server 30 includes a communication unit 31, a control unit 32, and a storage unit 33. The communication unit 31 connects the payment management server 30 to a communication network N and A communication interface for sending and receiving information to and from other devices connected to the communication network N. The control unit 32 uses a central processing unit (CPU). The storage unit 33 is configured by a memory such as a ROM or RAM, a hard disk drive, etc. The program is configured using the storage device, and the program is executed by the control unit 32. The payment management server 30 stores the parameters used during the execution of the payment management server 30. It is connected to a storage device 40 that is configured using a disk drive or the like.

[0024] The payment management server 30 receives user information from the user terminal 10 and the payment information from the affiliated store terminal 20. The member store information received from the member store is managed in a database stored in the storage device 40. Based on this information, various processes related to payment are performed in response to requests from the affiliated store terminal 20. In addition, the payment management server 30 executes the transaction details in response to a request from the user terminal 10. The payment management server provides information such as the balance, monthly limit, etc. to the user terminal 10. The detailed functions of 30 will be described later.

[0025] Each of the payment servers 50A to 50D is a server device that provides a predetermined payment method. Each of the payment servers 50A to 50D can be configured by a general-purpose computer. It may be configured by a single computer, or by multiple computers distributed over a communication network N. Each of the payment servers 50A to 50D may be configured by a computer. In response to requests from the server 30, various processes related to payment are executed.

[0026] In this embodiment, the payment servers 50A to 50D provide different payment methods. For example, the payment server 50A executes payment by credit card. The payment server 50B executes the payment by electronic money. The payment server 50C executes the payment by points. The settlement server 50D executes the settlement by payment to an account at an affiliated bank.

[0027] Each of the PGW servers 60 is a server device that provides a payment agency service, and is a general-purpose The PGW server 60 can be configured by a computer. In Figure 1, one Although only the PGW server is shown, multiple PGW servers 60 may be provided.

[0028] Database Configuration FIG. 2 is a diagram illustrating an example of a database stored in the storage device 40. As shown in FIG. The storage device 40 stores a user information database (DB) 41 and a member store information database (DB). The data base (DB) 42 and the transaction information database (DB) 43 are stored.

[0029] FIG. 3 is a table showing an example of information stored in the user information database 41. The information database 41 includes user registration information, payment method information, and payment method setting information. It is a database that stores information about users (user information) including , information about the user himself / herself, such as user ID, user name, address, email address, etc. The payment method information includes the user's credit card number and electronic money registration number. The payment method setting information includes the actual payment method among multiple payment methods. one or more payment methods to be used at the time of the transaction and the conditions including the priority of the payment methods to be used This is information to set up the payment method, whether points are used or not (all used / all (partially used / unused), electronic money balance, number of points held, number of limited-time points held, etc. Regarding the use of points, "partial use" means that the user has used The user specifies the number of points in advance and uses them. It is possible to set the setting information of the payment method in the payment process through the terminal 10. In addition, the user can input the setting information of the payment method (payment source and point usage) through the user terminal 10. You can also change your electronic money balance, the number of points you have, and the period limit. The number of points held will be updated as changes occur.

[0030] Here, there are two types of points: points with no expiration date (unlimited payment method) and points with an expiration date. There may be limited-time points (payment means with a fixed expiry date) that can be used by users. If you have both points and limited-time points, the limited-time points will be used first. The setting may be such that

[0031] The member store information database 42 is a database that stores information about member stores (member store information). The merchant information includes the merchant ID, merchant name, address, representative name, contact information, This includes information such as the bank account number to which the payment amount will be deposited.

[0032] FIG. 4 is a table showing an example of information stored in the transaction information database 43. The database 43 stores information (transaction information) about transactions between users and affiliated stores. Transaction information includes transaction type (payment, cancellation of payment, repayment), transaction Date and time, the merchant ID of the merchant that conducted the transaction, the user ID, the payment amount and payment method If the transaction type is settlement or re-settlement, the The user's payment method is set in the user information database 41. According to the information, the payment method in the transaction information database 43 is recorded.

[0033] [Configuration of payment management server] 5 is a block diagram illustrating the main functions of the payment management server 30. The control unit 32 executes the program stored in the storage unit 33 to realize the functions. The system includes a reception unit 320, an information management unit 321, a setting unit 322, a settlement execution unit 323, and a cancellation unit 324. An amount acquisition unit 324, a determination unit 325, a refund unit 326, a repayment execution unit 327, and a display control unit and section 328.

[0034] The reception unit 320 receives payment from a device connected to the payment management server 30 via the communication network N. When an access request is made from the device, the device accepts the access by performing authentication and other procedures. Get information from.

[0035] The information management unit 321 manages the information acquired by the reception unit 320 stored in the storage device 40. Record and manage in a database.

[0036] The setting unit 322 sets the user's payment method based on the information received from the user terminal 10. The setting information to be used is stored and the stored setting information is changed.

[0037] The settlement execution unit 323 executes a settlement process for a user when a transaction for purchasing a product is made between the user and the affiliated store. Based on the information received from the terminal 10 or the affiliated store terminal 20, the user information database 41 The payment process is carried out in accordance with the payment method set in the payment method setting screen.

[0038] The cancellation amount acquisition unit 324 acquires at least the amount of the settlement transaction already executed between the user and the affiliated store. In the event of a cancellation of a payment that cancels part of the amount (hereinafter referred to as "amount change payment"), Based on the information received from the terminal 10 or the affiliated store terminal 20, the cancellation of the amount change settlement Here, the user purchases multiple items and then returns at least some of them. If you cancel or change the amount, a change in the amount will occur. The difference between the payment amount at the time of the change and the payment amount at the time of the change is the amount of the refund or cancellation. The amount (refund amount) will correspond to the product purchased.

[0039] The determination unit 325 determines whether the cancellation amount acquired by the cancellation amount acquisition unit 324 is the amount settled by the first settlement means. Here, the first payment method is the method of payment used in the case where the first payment method is ... A payment method that allows you to change the transaction details later, i.e., you can refund part of the payment amount after payment. It refers to various payment methods, including electronic money, points, and payments to affiliated bank accounts. 2 Payment methods are those in which the transaction details cannot be changed, i.e., the payment amount cannot be changed after the payment. This is a payment method where partial refunds are not possible and the entire payment must be cancelled and repaid. This includes credit cards and direct debits from banks other than affiliated banks (so-called debit cards).

[0040] When the cancellation amount is equal to or less than the first amount, the refund unit 326 returns the cancellation amount to the amount at the time of the initial settlement. A refund process is executed to refund the money to the user using the first payment means used in the purchase.

[0041] When the cancellation amount exceeds the first amount, the repayment processing unit 327 executes the repayment by the payment execution unit 323. The system then executes a process to cancel the settlement process that was executed by the user, and executes a re-settlement process in response to the cancellation of the settlement.

[0042] The display control unit 328 displays a registration screen, a setting screen, It executes control to display a predetermined screen such as a usage history screen.

[0043] Fig. 6 is a flowchart showing the determination process for the amount change settlement. 7 is a table illustrating a refund scheme according to the payment source (payment method). The initial payment amount is 10,000 yen, and the payment amount at the time of the amount change is 6,0 This shows the case where the cancellation amount is 4,000 yen (cancellation amount is 4,000 yen).

[0044] When an amount change settlement is made, first, the cancellation amount acquisition unit 324 acquires the cancellation amount (step S11). Next, the determination unit 325 determines whether the cancellation amount is the first payment method (electronic money, points, account It is determined whether the amount is equal to or less than the payment amount by the cash advance (step S12). In Example 3, the cancellation amount (4,000 yen) is less than the payment amount by the first payment method. In contrast, in Example 4, the cancellation amount is the payment amount by the first payment method (2,000 points). It exceeds the yen.

[0045] If the cancellation amount is less than or equal to the payment amount by the first payment method (step S12: Yes), The unit 326 returns the cancelled amount via the first settlement means (step S13). If payment is made by bank transfer as in Example 1, 4,000 yen will be returned (transferred) to the account. Also, if payment is made with electronic money, as in Example 2, 4,000 yen worth of electronic money will be As in Example 3, when points and limited-time points are used, the points are returned. You will receive a refund of 4,000 yen or limited-time points.

[0046] On the other hand, if the cancellation amount exceeds the payment amount by the first payment means (step S12: No), The settlement execution unit 327 cancels the original settlement process and executes the settlement process again (step S14 ) Specifically, in Example 4, the initial payment process of 10,000 yen is canceled and the transaction is 10,0 A repayment of 6,000 yen will be made, which is the amount of the cancellation (4,000 yen) subtracted from 00 yen. The process is performed using the payment method (repayment method) set in the setting information at the time of the repayment process. Therefore, it is executed.

[0047] [Operation of payment management system] The operation of this system 1 will be explained in detail below for each payment method. FIG. 8 is a sequence diagram showing the payment process when payment is made to an account at an affiliated bank. In this case, the user information database 41 only allows payment to be made to an affiliated bank account. is assumed to be set.

[0048] When a user purchases a product at a member store and a payment process is executed at the member store terminal 20 ( In step S101, the member store terminal 20 issues a request to execute a payment process (for example, 10,000 yen). In response to this, the payment management server 3 0 executes the settlement process (step S103), and performs the withdrawal process from the user's account (for example, 10,000 yen) is sent to the payment server 50D of the affiliated bank (step S104). The settlement server 50D withdraws the specified amount from the account (step S105). The settlement management server 30 is notified of the result of the rejection (step S106). The result of the payment is notified to the affiliated store terminal 20 (step S107). The process is completed.

[0049] The user can return or cancel the purchased product and pay the fee at the affiliated store terminal 20. When a payment change (for example, a change to 6,000 yen) occurs (step S111), the affiliated store The terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 30 (step S In response to this, the payment management server 30 executes the determination and amount change payment process. (Step S113), and notifies the affiliated store terminal 20 of the amount change acceptance result (Step S114).

[0050] In step S113, the payment management server 30 performs the following as described with reference to FIG. The cancellation amount is acquired and processing is performed according to the judgment result for the cancellation amount. In the example shown in Figure 8, In this case, the cancellation amount (10,000 yen - 6,000 yen = 4,000 yen) will be paid by bank transfer (first payment) The payment amount is equal to or less than the payment amount (10,000 yen) by the payment method (step S12 in FIG. 6: Yes). Therefore, the settlement management server 30 returns the cancelled amount and requests the transfer process of the cancelled amount. In response to this, the payment server 50D transmits a payment request to the payment server 50D (step S115). D transfers the specified amount to the user's account (step S116) and determines the transfer result. The transaction management server 30 is notified (step S117).

[0051] When the payment management server 30 receives the inquiry about the result from the affiliated store terminal 20 (step S118 ), and notifies the customer of the amount change result that the refund amount has been transferred (step S119). , partial refund processing will be completed.

[0052] FIG. 9 is a sequence diagram showing the payment process when paying with points. In the user information database 41, only points are set as a payment method. It shall be.

[0053] When the payment process is executed at the member store terminal 20 (step S201), 0 sends a request to execute a payment process (for example, 10,000 yen) to the payment management server 30 ( In response to this, the payment management server 30 executes the payment process (step S202). S203), a request for authorization and payment processing (for example, 10,000 yen) is sent to the PGW server 60 (Step S204). The PGW server 60 sends the authorization and settlement processing request ( (same as above) is sent to the point settlement server 50C (step 205). The transaction server 50C executes authorization and settles the specified amount with points. (Step S206), and notifies the PGW server 60 of the settlement result (Step S207). The PGW server 60 notifies the settlement management server 30 of the settlement result (step S208). The payment management server 30 notifies the member store terminal 20 of the payment result (step S209). This completes the payment process.

[0054] When an amount change payment (for example, change to 6,000 yen) occurs at the affiliated store terminal 20 ( In step S211, the member store terminal 20 sends a request to execute the amount change settlement process to the settlement management server In response to this, the payment management server 30 makes a decision and The amount change settlement process is executed (step S213), and the amount change acceptance result is notified to the affiliated store terminal. The terminal 20 is notified (step S214).

[0055] In the example shown in FIG. 9, the cancellation amount (4,000 yen) is paid using points (first payment method). The payment amount is less than the settlement amount (10,000 yen) (Step S12 in FIG. 6: Yes). The settlement management server 30 decides to refund the cancellation amount and requests a partial refund of points (4,000 0 yen) to the payment server 50C (step S215). The 50C returns points equivalent to the designated amount (step S216), and to the settlement management server 30 (step S217).

[0056] When the payment management server 30 receives the inquiry about the result from the affiliated store terminal 20 (step S218 ), and notifies the user of the amount change result that the points have been returned (step S219). , partial refund processing will be completed.

[0057] The sequence when electronic money is used for payment is the same as the example shown in Figure 9. In addition, the sequence when points and electronic money are used at the time of payment is also based on the Basically, it is the same as the example shown in Fig. 9. However, the payment management server 30 performs step S In 215, the point settlement server 50C is configured to prioritize points for return. If you request a refund of points, and the refund of points is not enough to cover the cancellation amount, The electronic money settlement server 50B then requests a refund.

[0058] FIG. 10 is a sequence diagram showing the payment process when payment is made by credit card. In this case, in the user information database 41, only credit cards are accepted as a payment method. It is assumed that it is set.

[0059] When the payment process is executed at the member store terminal 20 (step S301), 0 sends a request to execute a payment process (for example, 10,000 yen) to the payment management server 30 ( In response to this, the payment management server 30 executes the payment process (step S302). S303), a request for authorization and payment processing (for example, 10,000 yen) is sent to the PGW server 60 (Step S304). The PGW server 60 sends the authorization and settlement processing request ( (same as above) to the credit card settlement server 50A (step S305). In response, the payment server 50A executes authorization and credits the specified amount. The payment is made by card (step S306), and the payment result is notified to the PGW server 60 (step S307). The PGW server 60 notifies the settlement management server 30 of the settlement result (step S307). Step S308), and the payment management server 30 notifies the member store terminal 20 of the payment result (Step Step S309) This completes the payment process.

[0060] When an amount change payment (for example, change to 6,000 yen) occurs at the affiliated store terminal 20 ( In step S321, the member store terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 10. In response to this, the payment management server 30 makes a decision and The amount change settlement process is executed (step S323), and the amount change acceptance result is notified to the affiliated store terminal. The terminal 20 is notified (step S324).

[0061] In the example shown in FIG. 10, only credit cards (second payment methods) are used for payment. The cancellation amount (4,000 yen) exceeds the payment amount by the first payment method (0 yen) ( Step S12 in FIG. 6: No). Therefore, the payment management server 30 resumes the original payment process. The transaction will be cancelled and the payment will be made again with the revised amount.

[0062] When the settlement management server 30 transmits a settlement cancellation request to the PGW server 60 (step S 325), the PGW server 60 transmits a cancellation request for the settlement to the settlement server 50A (step In response to this, the payment server 50A cancels the payment (step S327 ), and transmits the cancellation result to the PGW server 60 (step S328). The cancellation result is notified to the settlement management server 30 (step S329).

[0063] Next, the payment management server 30 performs authorization and payment for the changed payment amount (6,000 yen). The PGW server 60 transmits a request for re-settlement processing to the PGW server 60 (step S330). The process (steps S330 to S334) is the same as the sequence of the payment process except for the payment amount. This is the same as the process (steps S304 to S308).

[0064] When the payment management server 30 receives the inquiry about the result from the affiliated store terminal 20 (step S335 ), the original payment is cancelled, and the result of the amount change is notified to the effect that the payment has been made again (step S336 ) This completes the partial refund process.

[0065] Figure 11 shows the payment process when paying with a credit card and points (when the cancellation amount is points). This is a sequence diagram showing the user information database (when the payment does not exceed the limit). In 41, credit cards and points (all used) are set as payment methods. The number of points held is assumed to be 8,000 yen.

[0066] When the payment process is executed at the member store terminal 20 (step S401), 0 sends a request to execute a payment process (for example, 10,000 yen) to the payment management server 30 ( In response to this, the payment management server 30 executes the payment process (step S402). S403), a request for authorization and payment processing for the point payment amount of 8,000 yen is sent to the PGW. The credit card payment amount is sent to the server 60 (step S404). A request for authorization and settlement processing for 0 yen is sent to the PGW server 60 (step S40 9) The sequence of point payment (steps S404 to S408) is the same as the steps shown in FIG. The sequence is the same as steps S204 to S208. Steps S409 to S413 are the same as steps S304 to S308 shown in FIG. The transaction management server 30 notifies the member store terminal 20 of the points and the result of the payment by credit card. This completes the payment process (step S414).

[0067] When an amount change payment (for example, change to 6,000 yen) occurs at the affiliated store terminal 20 ( In step S421, the member store terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 10. In response to this, the payment management server 30 makes a decision and The amount change settlement process is executed (step S423), and the amount change acceptance result is notified to the affiliated store terminal. The terminal 20 is notified (step S424).

[0068] In the example shown in FIG. 11, the cancellation amount (4,000 yen) is paid using points (first payment method ) (Step S12 in FIG. 6: Yes). The settlement management server 30 decides to refund the cancellation amount and requests a partial refund of points (4,0 00 yen) to the settlement server 50C (step S425). The server 50C returns points equivalent to the designated amount (step S426), and The result is notified to the settlement management server 30 (step S427).

[0069] When the payment management server 30 receives the inquiry about the result from the affiliated store terminal 20 (step S428 ), and notifies the user of the amount change result that the points have been returned (step S429). , partial refund processing will be completed.

[0070] Figure 12 shows the payment process when paying with a credit card and points (when the cancellation amount is points). This is a sequence diagram showing the case where the user information database 4 In 1, credit card and points (all used) are set as payment methods. The number of points held is assumed to be 2,000 yen.

[0071] Steps S401 to S414 shown in FIG. 12 are the same as steps S401 to S41 shown in FIG. Same as 4. However, if the payment amount using points is 2,000 yen and the payment amount using credit card is 2,000 yen, The difference from the example in Figure 11 is that the payment amount is 8,000 yen.

[0072] When an amount change payment (for example, change to 6,000 yen) occurs at the affiliated store terminal 20 ( In step S441, the member store terminal 20 transmits a request to execute the amount change settlement process to the settlement management server 10. In response to this, the payment management server 30 makes a decision and The amount change settlement process is executed (step S443), and the amount change acceptance result is notified to the affiliated store terminal. The terminal 20 is notified (step S444).

[0073] In the example shown in FIG. 12, the cancellation amount (4,000 yen) is paid using points (first payment method ) exceeds the settlement amount (2,000 yen) (Step S12: Ns in FIG. 6). The settlement management server 30 cancels the entire original settlement process and re-settles with the changed amount. Let's say.

[0074] When the settlement management server 30 sends a request to cancel the point settlement to the settlement server 30C, the settlement The payment management server 30C cancels the payment (step S445) and notifies the cancellation result to the payment management server 3 0 (step S446). That is, the total amount of points used in the original payment is returned. It will be returned.

[0075] On the other hand, the payment management server 30 sends a cancellation request for the credit card payment to the PGW server 60. When the request is sent (step S450), the PGW server 60 sends a cancellation request for the credit card payment. The payment server 50A receives the payment and transmits the payment request to the payment server 50A (step S451). The cancellation result is sent to the PGW server 60 (step S452). 3). The PGW server 60 notifies the settlement management server 30 of the cancellation result (step S 454).

[0076] Next, the payment management server 30 performs authorization and payment for the point payment amount of 2,000 yen. A request for payment processing is sent to the PGW server 60 (step S455). A request for authorization and payment processing for the card payment amount of 4,000 yen is sent to the PGW server 60. (Step S460) Sequence of point payment (Steps S455 to S459) These steps are the same as steps S204 to S208 shown in Figure 9. This sequence (steps S460 to S464) corresponds to steps S304 to S306 shown in FIG. The same as 08. The number of points held at the time of repayment will be changed from the number of points held at the time of payment. If the points have been redeemed, the points will be redeemed and credited based on the number of points held at the time of redemption. Each process for card payment is executed.

[0077] When the payment management server 30 receives the inquiry about the result from the affiliated store terminal 20 (step S465 ), the original payment is cancelled, and the amount change result indicating that a new payment has been made is notified (step S466 ) This completes the partial refund process.

[0078] The sequence when electronic money is used instead of points at the time of payment is also shown in Figure 1. 11 and 12. Also, at the time of payment, instead of a credit card, The sequence when a debit card is used is the same as the example shown in Figures 11 and 12. is the same as:

[0079] Here, the user's payment method can be changed between the initial payment and the amount change payment. That is, in the initial payment, the payment management server 30 uses the Payment is made using the payment method, and in the case of a payment with a change in the amount, the repayment process is executed at the time The payment will be re-executed using the payment method set in the settings information. 13 and 14 are tables showing examples of refunds depending on the payment method settings. do.

[0080] In the example shown in FIG. 13, the setting information indicating the payment method for the initial payment includes the payment source Assume that a credit card has been set up and point usage has been set to "Do not use." Therefore, on April 1st, a payment of 10,000 yen will be made by credit card. was done.

[0081] Then, on May 1st, a cancellation of 4,000 yen occurred. In the settings information, point usage is set to "Use all" and the number of points held is 3. In this case, the original credit amount will be used for the amount change settlement. A 10,000 yen card payment was cancelled, and the repayment process was for a payment amount of 6,000 yen. 3,000 yen of the 00 yen will be paid with points, and the remaining amount will be paid by credit card. 3,000 yen is paid.

[0082] In the example shown in Figure 14, at the time of settlement on April 1st, the payment source is a credit card, The point usage is set to "Use all", and the point guarantee is limited to the last day of April. Assume that the holdings were 2,000 yen. Therefore, on April 1st, the settlement amount was 10,000 yen. 2,000 yen will be paid with limited-time points, and the remaining 8,000 yen will be paid with a credit card. The payment was made by credit card.

[0083] After that, when a cancellation of 4,000 yen occurred on May 1st, the cancellation amount was The initial payment process was cancelled because the amount exceeded the limit. 2,000 yen will be refunded and the 8,000 yen credit card payment will be cancelled. However, the limited-time points have already expired on May 1st, so The limited-time points of ,000 yen will expire as soon as they are returned. The entire amount of 6,000 yen will be paid by credit card.

[0084] Here, at the time of the initial payment, points with no expiration date and limited-time points were used together. In this case, when the amount change settlement is dealt with by refunding the cancellation amount (Figure (See step S13 in 6.) Unlimited points take priority over limited-time points. In addition, electronic money and points may be used together at the time of initial payment. In this case, when the amount change process is handled by refunding the cancellation amount (ibid.), points may be returned in preference to electronic money.

[0085] However, when the amount is changed, the original payment is canceled and a repayment process is executed. In principle, if the transaction is cancelled, the repayment process will be executed immediately. The user's payment method usage status has changed between the time of the transaction and the time of the repayment process, and the payment method that was set has not been used. For example, the repayment amount may not be repaid by the payment method. There is insufficient authorization limit on your Jit card, or insufficient balance in your bank account or electronic money. In such cases, the authorization limit will be restored, the balance will be restored, and payment will be possible. After the transaction becomes possible, the settlement process may be executed again.

[0086] In addition, if the payment method set in the setting information at the time of repayment processing cannot be used for repayment, In this case, if other payment methods are available, re-payment processing will be performed using those other payment methods. For example, if the setting information at the time of repayment processing is set to bank account payment as the payment method, Even though the payment method is set, the account balance is insufficient for the payment amount at the time of repayment processing, Instead, if the balance of electronic money is more than the payment amount, the payment will be made in electronic money. Payment can be made by cash on delivery.

[0087] FIG. 15 is a diagram illustrating an example of a usage history screen displayed on the user terminal 10. FIG. 15 is a diagram illustrating a usage history detail screen displayed on the user terminal 10. FIG. 17 shows a part of the details of the usage history screen displayed on the user terminal 10. FIG. 18 is a diagram illustrating an example of a usage history details screen displayed on the user terminal 10. 17. The table shows some details of the usage details shown in FIG.

[0088] The settlement management server 30 periodically or as needed in response to a request from the user terminal 10. The usage history screen can be transmitted to the user terminal 10 and displayed thereon. Examples are shown in FIGS. 15 and 17. As shown in the figure, the usage history screens A1 and A3 show the number of transactions executed within a predetermined period (for example, one month). The payment history will be displayed.

[0089] On these usage history screens A1 and A3, select the desired payment display field a10 and a30. When an operation (for example, a tap operation) is performed, the user terminal 10 receives a request for detailed payment information. In response to this, the payment management server 30 sends a request to the payment management server 30. As shown in FIG. 18, the usage history details screen A2, A4 for the selected payment is displayed on the user terminal. The transaction history details screen A2 and A4 corresponding to each transaction are displayed on the terminal 10. Detailed information such as the date, time, amount, breakdown, and name of the participating store will be displayed.

[0090] In FIG. 15, as shown in the display field a11 of the usage history screen A1, a later amount change payment occurs. The transaction will be greyed out and the text "Cancelled" will be displayed. The text "Amount changed" will be displayed in the display field A12 of the amount change payment corresponding to the payment that was made. The payment amount after the change, "800 yen", is displayed, along with the canceled amount, "700 yen". It will be displayed.

[0091] In addition, the usage history details screen for the amount change payment will include information about the original payment process, Information regarding the settlement cancellation (amount change settlement) corresponding to the settlement processing and the amount change settlement Information about the corresponding refund process or repayment process is displayed as a payment history. That is, the information regarding the amount change payment may be the final payment amount minus the cancellation amount. In the usage history screen A1 illustrated in FIG. 15, among the display fields a10 for the desired payment, When the user selects a12, a usage history detail screen A2 shown in FIG. is displayed on the user terminal 10.

[0092] For example, in Figure 16, the display column a21 shows the initial payment amount of "1,500" on November 9th. It shows that the payment was made to the affiliated bank account. On December 30th, a change in the amount occurred, and the cancellation amount of the original payment amount was 700 yen. It shows that the payment for " has been cancelled (the transaction was a transfer to the account in question). Furthermore, the final payment amount after the amount change, "800 yen," is displayed in display area a23. There are.

[0093] In addition, if multiple amount changes occur for the original payment, as shown in Figure 17, On the usage history screen A3, the display column a31 of the original payment and the table of the changed amount payment are The display box a32 is grayed out and the text "Canceled" is displayed. The text "Amount changed" and "Amount changed" will be displayed in the final amount change payment display field a33 for the payment. Both will show the final payment amount of "280 yen", along with the amount that was just cancelled, "420 In the usage history screen A3 illustrated in FIG. 17, the desired payment display field When the user selects the display column a33 from among the display columns a30, the display column a33 is displayed as shown in FIG. The usage history details screen A4 is displayed on the user terminal 10.

[0094] On the usage history details screen A4 for these payments, the display field a41 shows November 9th. The initial payment amount of "1,500 yen" is paid, and the breakdown of this is as follows: electronic money "280 yen" , points "420 yen" and credit card "800 yen" are displayed. Indication columns a42 and a43 indicate that the cancellation process and re-payment process have been executed. In display column a42, the amount change settlement occurred at 15:20 on December 30th, and the credit The screen shows that the 800 yen payment made by the credit card has been canceled. In the display area a43, points (420 yen) and electronic money (28 It shows that a repayment of 700 yen has been made through the payment method (0 yen).

[0095] Furthermore, in display area a44, another amount change payment occurred at 16:30 on the same day, and points were The display shows that the amount of "420 yen" has been returned. The final payment amount after the change is displayed as "280 yen."

[0096] Here, when a change in the amount of payment occurs, the following applies to the refund process for the cancelled amount or the cancellation process for the payment: The same slip number as the one assigned to the settlement before the change (initial) will be assigned, and the final slip number after the return will be A new slip number may be assigned to the settlement result or to the re-settlement process after cancellation. For example, for the cancellation of card payment shown in display field a42, the initial The same slip number as the payment is assigned. In addition, the points and electronic money shown in display column a43 are A new slip number is assigned to the re-settlement process by the payment method. For the point refund process shown in the display column a43, the same slip number as the settlement process before the refund A new slip number is assigned to the final settlement result after the return. By managing the slip number in this way, each process related to the amount change settlement can be linked. This makes it clear, allowing users to easily understand the details of related transactions.

[0097] The present invention is not limited to the above-described embodiments, and any modifications without departing from the spirit of the present invention are possible. The above embodiments can be embodied in various other forms within the scope of the present invention. For example, the above-mentioned processes are merely examples and should not be construed as limiting. Steps can be reordered or executed in parallel as long as there are no contradictions in the processing content. It is possible. [Explanation of symbols]

[0098] 1...Payment management system (this system), 10...User terminal, 20...Affiliated store terminal, 30...Payment A transaction management server, 31...communication unit, 32...control unit, 33...storage unit, 40...storage device, 41...user User information database, 42...Affiliated store information database, 43...Transaction information database, 50A to 50D: payment servers, 60: payment agent server (PGW server), 320: reception unit , 321... information management unit, 322... setting unit, 323... settlement execution unit, 324... cancellation amount acquisition unit, 325: Determination unit, 326: Return unit, 327: Repayment execution unit, 328: Display control unit

Claims

1. a payment execution unit that executes a payment process for the initial amount using a first payment means used to pay the first amount and a second payment means different from the first payment means; an acquisition unit that acquires a cancellation amount in a settlement cancellation for canceling at least a part of the settlement processing; a re-payment execution unit that executes a cancellation process of the payment process and a re-payment process associated with the cancellation of the payment when the cancellation amount exceeds the first amount; An information processing device comprising:

2. The information processing device according to claim 1 , wherein the repayment process is a payment process for an amount obtained by subtracting the canceled amount from the original amount.

3. Further, a setting unit capable of setting setting information of a payment method is provided, the re-payment execution unit executes the re-payment process using a re-payment means that is a payment means set in the setting information at the time of executing the re-payment process. The information processing device according to claim 1 .

4. the re-payment execution unit, when the re-payment process cannot be executed immediately in the re-payment means, executes the re-payment process after the re-payment means becomes able to execute the payment; The information processing device according to claim 3 .

5. the re-payment execution unit executes the re-payment process using another payment means when the re-payment process cannot be executed by the re-payment means; The information processing device according to claim 3 .

6. A payment execution unit that executes a payment process for an initial amount using a first payment means used to pay a first amount and a second payment means different from the first payment means; an acquisition unit that acquires a cancellation amount in a settlement cancellation for canceling at least a part of the settlement processing; a refund unit that executes a refund process to refund the cancellation amount to the user by the first settlement means when the cancellation amount is equal to or less than the first amount; An information processing device comprising:

7. The first payment means includes an indefinite-term payment means with no time limit and a fixed-term payment means with a time limit, The refund unit executes the refund process by prioritizing the non-time-limited payment means among the first payment means over the time-limited payment means. The information processing device according to claim 6 .

8. The first payment means includes a time-limited payment means having a fixed term, When the payment execution unit executes the payment process using the fixed-term payment means, and when the return unit returns at least a portion of the cancellation amount using the fixed-term payment means, if the term of the fixed-term payment means used in the payment process has expired, the fixed-term payment means to be returned is invalidated. The information processing device according to claim 6 .

9. outputting, to the user terminal, information relating to the payment process, information relating to the payment cancellation corresponding to the payment process, and information relating to the refund process or repayment process corresponding to the payment cancellation as a payment history; The information processing device according to claim 6 .

10. the first payment means includes points and electronic money, and the payment process includes a payment process using both the points and the electronic money; The information processing device according to claim 1 or 6.

11. A computer comprising: executing a payment process for the initial amount using a first payment means used to pay the first amount and a second payment means different from the first payment means; Obtaining a cancellation amount in a settlement cancellation for canceling at least a part of the settlement processing; When the cancellation amount exceeds the first amount, executing a cancellation process of the settlement process and a re-settlement process associated with the cancellation of the settlement; An information processing method including:

12. executing a payment process for the initial amount using a first payment means used to pay the first amount and a second payment means different from the first payment means; Obtaining a cancellation amount in a settlement cancellation for canceling at least a part of the settlement processing; When the cancellation amount exceeds the first amount, executing a cancellation process of the settlement process and a re-settlement process associated with the cancellation of the settlement; An information processing program that causes a computer to execute the above.

13. A computer comprising: executing a payment process for the initial amount using a first payment means used to pay the first amount and a second payment means different from the first payment means; Obtaining a cancellation amount in a settlement cancellation for canceling at least a part of the settlement processing; When the cancellation amount is equal to or less than the first amount, executing a refund process to refund the cancellation amount to the user by the first settlement means; An information processing method including:

14. Performing a payment process for an initial amount using a first payment means used to pay a first amount and a second payment means different from the first payment means; Obtaining a cancellation amount in a settlement cancellation for canceling at least a part of the settlement processing; When the cancellation amount is equal to or less than the first amount, executing a refund process to refund the cancellation amount to the user by the first settlement means; An information processing program that causes a computer to execute the above.

Images