Payment intermediation device, payment intermediation method, and payment intermediation program

Abstract

To provide a settlement interceding device capable of making a settlement by utilizing a discount service without depending on a settlement undertaker selected by a user.SOLUTION: A settlement interceding device 1 includes: a settlement information obtaining unit that obtains, from a user terminal 2 utilized by a user who makes a settlement, settlement information including payee identification information for identifying a payee, settlement identification information for identifying the settlement, and an amount of settlement to be made; a calculating unit which calculates a discount amount subtracted from the amount of settlement based on a discount rate stored in a manner in association with policy identification information for identifying a policy applied to the payee, and which calculates, as an amount of payment, an amount of money obtained by subtracting the discount amount from the amount of settlement; an amount presenting unit that presents, to the user terminal 2, the calculated amount of payment and discount amount; and a settlement undertaker presenting unit that presents, to the user terminal 2, a plurality of settlement undertakers that can be selected as an undertaker for the settlement.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Currently, many payment service providers offer payment services using 2D codes. When making a payment at a store, users can operate their smartphone to launch the application for the payment service they want to use and perform the required operations to make the payment.

[0003] In payment services using two-dimensional codes, there is a method in which a two-dimensional code installed in a store or the like is read by a user's smartphone. There is also a system in which a store or the like that has contracts with multiple payment service providers allows a user to read a single two-dimensional code that can be read by each application provided by each payment service provider, enabling payment by each payment service provider. Patent Document 1 discloses a payment service that uses two-dimensional codes. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Special Publication No. 2016-522938 Summary of the Invention [Problem to be solved by the invention]

[0005] In the payment service of Patent Document 1, payments are made using different applications for each payment provider. Therefore, the user must decide on one of the payment providers before making a payment. In such a payment service, for example, if only some payment providers are running a campaign or other promotion, if the user selects a payment provider other than the one they selected to make the payment, the user will miss the opportunity to receive the service provided by the promotion.

[0006] Therefore, an object of the present invention is to provide a payment intermediation device, a payment intermediation method, and a payment intermediation program that allow users to make payments using discount services without relying on the payment provider they select. [Means for solving the problem]

[0007] A payment intermediary device according to one embodiment of the present invention comprises a payment information acquisition unit that acquires payment information, including payment recipient identification information that identifies the payment recipient, payment identification information that identifies the payment, and the payment amount to be paid, from a user terminal used by the user making the payment; a calculation unit that calculates a discount amount to be deducted from the payment amount based on a discount rate stored in correspondence with policy identification information that identifies the policy applied to the payment recipient, and calculates the payment amount as the amount obtained by subtracting the discount amount from the payment amount; an amount presentation unit that presents the calculated payment amount and discount amount to the user terminal; and a payment service provider presentation unit that presents to the user terminal a number of payment service providers that can be selected as recipients for the payment request.

[0008] A payment intermediation method according to another aspect of the present invention is a method executed by a processor and includes the steps of obtaining payment information from a user terminal used by a user making the payment, the payment information including payment recipient identification information that identifies the payment recipient, payment identification information that identifies the payment, and the payment amount to be paid; calculating a discount amount to be deducted from the payment amount based on a discount rate stored in correspondence with the policy identification information that identifies the policy applied to the payee, and calculating the payment amount as the amount obtained by subtracting the discount amount from the payment amount; presenting the calculated payment amount and discount amount to the user terminal; and presenting to the user terminal a plurality of payment service providers that can be selected as recipients of payment requests.

[0009] A payment intermediation program according to another aspect of the present invention causes a computer to function as a payment information acquisition unit that acquires payment information, including payment recipient identification information that identifies the payment recipient, payment identification information that identifies the payment, and the payment amount to be paid, from a user terminal used by the user making the payment; a calculation unit that calculates a discount amount to be deducted from the payment amount based on a discount rate stored in correspondence with policy identification information that identifies the policy applied to the payee, and calculates the payment amount as the amount obtained by subtracting the discount amount from the payment amount; an amount presentation unit that presents the calculated payment amount and discount amount to the user terminal; and a payment provider presentation unit that presents to the user terminal multiple payment providers that can be selected as recipients for payment requests.

[0010] According to these aspects, by acquiring payment information including payment recipient identification information, payment identification information, and payment amount from a user terminal, a discount amount can be calculated based on a discount rate corresponding to the policy identification information that identifies the policy applied to the payment recipient, and the payment amount can be calculated by subtracting the calculated discount amount from the payment amount. Then, in addition to the calculated payment amount and discount amount, multiple payment service providers that can be selected as payment request recipients can be presented to the user terminal.

[0011] This allows the user to check the payment amount and discount amount to which the discount service provided by the policy has been applied, and then select the desired payment provider to make the payment.

[0012] In the above aspect, the payment destination may be any one of a plurality of stores located in the area where the policy is applied.

[0013] This allows the user to receive discount services under the campaign when visiting any store in the area to which the campaign is applied.

[0014] In the above aspect, the system may further include a reception unit that receives from a user terminal a request for payment processing to a payment service provider selected from a plurality of selectable payment service providers, a transmission unit that transmits the request for payment processing to a payment execution device of the payment service provider that corresponds to the request for payment processing, a payment result acquisition unit that acquires from the payment execution device the result of the payment processing executed in response to the request for payment processing, and a payment result presentation unit that presents the result of the payment processing to the user terminal.

[0015] This allows the user to request payment processing from a payment provider selected from multiple selectable payment providers using the payment amount reflecting the discount amount, and to confirm the results of the payment processing.

[0016] In the above aspect, the system may further include a memory unit that stores the budget amount and discount rate available as the discount amount for each policy identification information, and the calculation unit may subtract the calculated discount amount from the available budget amount stored in correspondence with the policy identification information, thereby updating the available budget amount stored in the memory unit.

[0017] This will allow businesses hosting campaigns to set budgets and discount rates in line with their respective strategies, and to check the overall budget balance of payment service providers without having to worry about the balances of individual payment service providers.

[0018] In the above aspect, the memory unit may further store, as discount rates, a first discount rate to be applied when a specified condition is met and a second discount rate to be applied when the specified condition is not met, and the first discount rate may be greater than the second discount rate.

[0019] This allows the business sponsoring the campaign to set conditions for preferential discount rates and apply larger discount rates to users who meet those conditions.

[0020] In the above aspect, the calculation unit may calculate the discount amount using a first discount rate when a specified condition is met, and may calculate the discount amount using a second discount rate when the specified condition is not met.

[0021] This allows the business operator hosting the campaign to set a difference between the discount amount for users who meet the specified conditions and the discount amount for users who do not meet the specified conditions.

[0022] In the above aspect, the predetermined condition may be that the user resides in a specific area.

[0023] This allows the business hosting the campaign to apply a larger discount rate to users who reside in a specific area.

[0024] In the above aspect, the calculation unit may calculate the discount amount using a first discount rate if the user resides in a specific area, and may calculate the discount amount using a second discount rate if the user does not reside in the specific area.

[0025] This allows the business operator hosting the campaign to set a difference in the discount amount between users who reside in a specific area and users who do not reside in the specific area.

[0026] In the above aspect, whether the user resides in a specific area may be determined based on information on the user's My Number card or the like.

[0027] This makes it possible to accurately grasp the area in which the user resides.

[0028] In the above aspect, if the available budget amount stored in association with the policy identification information is smaller than the calculated discount amount, the calculation unit may set the discount amount to 0 and calculate the payment amount as the payment amount.

[0029] This allows the business operator hosting the campaign to implement discount services within the set budget. [Effects of the Invention]

[0030] According to the present invention, it is possible to provide a payment intermediation device, a payment intermediation method, and a payment intermediation program that allow users to make payments using discount services without relying on the payment provider they select. [Brief explanation of the drawings]

[0031] [Figure 1] FIG. 1 is a diagram illustrating an example of the configuration of a payment management system. [Figure 2] FIG. 2 illustrates an example of a hardware configuration of the payment management device. [Figure 3] FIG. 10 is a diagram illustrating an example of a data configuration of incentive budget information. [Figure 4] FIG. 2 is a diagram illustrating an example of the functional configuration of a payment intermediary device. [Figure 5] FIG. 10 is a diagram illustrating an example of a payment information input screen. [Figure 6] FIG. 10 is a diagram illustrating an example of a payment service provider selection screen. [Figure 7] FIG. 10 is a diagram showing an example of a payment result screen. [Figure 8] 10 is a sequence chart illustrating an example of a processing flow related to payment in the payment management system. DETAILED DESCRIPTION OF THE INVENTION

[0032] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A preferred embodiment of the present invention will be described with reference to the accompanying drawings. In the drawings, components with the same reference numerals have the same or similar configurations.

[0033] [Outline of payment management system] Figure 1 illustrates the schematic configuration of a payment management system 100 including a payment intermediary device 1 according to this embodiment. The payment management system 100 comprises a payment intermediary device 1, user terminals 2a, 2b, and 2c, and payment execution devices 3a, 3b, and 3c. Note that there may be multiple user terminals 2a, 2b, and 2c, and multiple payment execution devices 3a, 3b, and 3c, but hereinafter, unless there is a need to distinguish between them, they will be referred to as user terminal 2 and payment execution device 3.

[0034] Payment intermediary device 1 is a server device that performs predetermined processing by executing predetermined programs stored in the storage device of payment intermediary device 1. The predetermined processing includes, for example, various processes for mediating payments between users and payment service providers. Here, payment service providers are businesses that provide payment methods such as credit cards and XX Pay, a payment service that enables electronic payments.

[0035] The user terminal 2 is, for example, an information processing device used by a user, such as a smartphone, a tablet terminal, a personal computer, etc. The user terminal 2 has an imaging means such as a camera, and can acquire information from a two-dimensional code.

[0036] The payment execution device 3 is a server device that performs predetermined processing by executing a predetermined program stored in the storage device of the payment execution device 3. The predetermined processing includes, for example, various processes related to the payment between the user and the payment service provider.

[0037] Payment intermediary device 1 and user terminal 2 are communicatively connected via network N1, and payment intermediary device 1 and payment execution device 3 are communicatively connected via network N2.

[0038] The following provides an overview of the payment processing procedures executed by the payment management system 100. Transactions that are the subject of payment include various transactions, such as the provision of services such as cleaning, the use of amusement facilities, and the purchase of goods.

[0039] First, a user making a payment accesses payment intermediary device 1 by reading, with user terminal 2, a predetermined code (eg, a two-dimensional code) presented by a payee such as a store.

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

[0041] Here, the information required for payment includes, for example, payee information regarding the payee, payment identification information for identifying the payment, and the payment amount to be paid. The payment identification information may be information for identifying the service provided to the user, a product code for identifying the product sold to the user, or the like.

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

[0043] Next, if there is a campaign or other measure applicable to the payee, payment intermediary device 1 calculates the discount amount based on the discount rate corresponding to the measure, and calculates the payment amount by subtracting the discount amount from the payment amount. Details of the discount service provided by this measure will be described later.

[0044] Next, the payment intermediary device 1 accepts the designation of a payment service provider from the user terminal 2, and transmits a request for payment processing to the payment execution device 3 of the designated payment service provider.

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

[0046] Next, the payment intermediary device 1 notifies the user terminal 2 that the payment has been completed, thereby completing the payment.

[0047] [Configuration of payment intermediary device] An example of the hardware configuration of payment intermediary device 1 will be described with reference to Figure 2. Payment intermediary device 1 has a processor 11 such as a CPU (Central Processing Unit) or GPU (Graphical Processing Unit), a storage device 12 such as memory, HDD (Hard Disk Drive) and / or SSD (Solid State Drive), and a communication IF (Interface) 13 for wired or wireless communication.

[0048] Storage device 12 functions as a storage unit that stores programs 121 for implementing the various functions of payment intermediary device 1, data 122 used by these programs 121, and the like.

[0049] The data 122 includes, for example, data on incentive budget information. The incentive budget information is information set by each business operator (hereinafter also referred to as "sponsoring business operator") that sponsors a campaign or other such measure in order to increase incentives to encourage the use of payment methods.

[0050] Here, the campaign is established, for example, by a local government such as a prefecture or a city, town, or village, or by a business such as a member store. The store that will implement the campaign can be determined by the hosting business arbitrarily designating the scope of application of the campaign and the member stores. For example, if the hosting business is a local government, member stores located in the area under the jurisdiction of the local government can be designated as the store that will implement the campaign. On the other hand, if the hosting business is a business other than the local government, for example, member stores located in a specific area or the hosting business's own member store can be designated as the store that will implement the campaign. In this embodiment, when a user makes a payment to a store that is implementing the campaign using a payment method of a payment business, the user can receive a discount service provided by the campaign.

[0051] The data structure of the incentive budget information will be described with reference to Fig. 3. The incentive budget information may include, as data items, for example, policy identification information for identifying a policy, a budget amount, and a discount rate.

[0052] The budget amount stores data indicating, for example, the amount (balance) of the budget that can be used by all payment service providers as a discount amount that can be deducted from the payment amount.

[0053] The discount rate stores data indicating the discount rate used when calculating the discount amount for the measure, for example.

[0054] [Payment intermediary device functions] The functional configuration of payment intermediary device 1 will be described with reference to Figure 4. Payment intermediary device 1 includes, for example, a payment information acquisition unit 111, a calculation unit 112, an amount presentation unit 113, a payment service provider presentation unit 114, a reception unit 115, a transmission unit 116, a payment result acquisition unit 117, and a payment result presentation unit 118. Each unit will be described in detail below.

[0055] The payment information acquisition unit 111 acquires payment information, including payment destination information relating to the payment destination such as a store, payment identification information, and payment amount, from the user terminal 2 used by the user making the payment. The payment information may be input by the user or may be included in a predetermined code read by the user terminal 2. When the user or the like inputs the payment information, it is preferable to display a payment information input screen on the user terminal 2.

[0056] The payee information may include, for example, payee identification information that identifies the payee and information about the payee's person in charge. This payee information may or may not include policy identification information for policies that apply to the payee. If it does not include policy identification information, it is preferable to be able to identify the policy identification information for policies that apply to the payee based on the payee identification information included in the payee information. If there are multiple policies that apply to the payee, the payee's person in charge or the user may be able to select one of the policies.

[0057] An example of the payment information input screen 5a is shown in Figure 5. The payment information input screen 5a illustratively includes a display field 5b for displaying the payee, an input field 5c for inputting the receipt number, an input field 5d for inputting the payment amount, and a "Select payment method" button 5e.

[0058] Payee display field 5b displays information about the payee. Figure 5 shows that the payee is "XXX Co., Ltd." and the payee's contact person is "XXXX" at "XXX Store." The payee information may be included in a predetermined code read by user terminal 2, or may be stored in storage device 12 of payment intermediary device 1 in association with the data included in the predetermined code.

[0059] The receipt number as payment identification information is input in the receipt number input field 5c. The receipt number may be input by the user or may be input by the person in charge.

[0060] The payment amount is input in the payment amount input field 5d. The payment amount may be input by the user based on the amount received from the person in charge, or may be input by the person in charge.

[0061] When the user and the person in charge confirm the contents of the payment information input screen 5a and press the "select payment method" button 5e, the screen transitions to a payment service provider selection screen, which will be described later.

[0062] Returning to the explanation of Figure 4, the calculation unit 112 in Figure 4 calculates the discount amount to be deducted from the payment amount based on the discount rate stored in association with the policy identification information of the policy applied to the payee. The calculation unit 112 calculates the payment amount by subtracting the calculated discount amount from the payment amount.

[0063] The amount presentation unit 113 presents the payment amount and discount amount calculated by the calculation unit 112 to the user terminal 2. This will be specifically described with reference to FIG.

[0064] 6 is a diagram showing an example of a payment service provider selection screen 6a. The payment service provider selection screen 6a illustratively includes a display field 6b that displays payment details, selection buttons 6c, 6d, 6e, and 6f for selecting a payment service provider, and a "Proceed to payment procedure" button 6g.

[0065] In the payment details display field 6b, the payment amount 6ba and discount amount 6bb calculated by the calculation unit 112 are displayed.

[0066] The discount amount 6bb displayed in the payment details display field 6b is calculated based on the policy identification information of the policy applied to the payee. In Figure 6, for example, the policy identification information of the policy applied to the payee is "0004" in Figure 3, and the discount amount 6bb is calculated based on the discount rate "10%" stored in association with this "0004".

[0067] That is, the discount rate of 10% is applied to the 100,000 yen entered in the payment amount input field 5d in Fig. 5, and the discount amount 6bb of 10,000 yen is calculated and displayed in the display field 6b. Then, the discount amount 6bb of 10,000 yen is subtracted from the payment amount of 100,000 yen, and the payment amount 6ba of 90,000 yen is calculated and displayed in the display field 6b.

[0068] In the payment details display field 6b, in addition to the payment amount 6ba and discount amount 6bb, the payee "XXX Co., Ltd." and the receipt number "123456" as payment identification information are displayed.

[0069] Returning to the explanation of Fig. 4, the calculation unit 112 in Fig. 4 subtracts the calculated discount amount from the available budget amount stored in association with the policy identification information of the policy applied to the payee, and updates the available budget amount stored in the storage device 12 (see Fig. 3).

[0070] If the available amount stored in association with the policy identification information of the policy applied to the payee is smaller than the calculated discount amount, the calculation unit 112 may set the discount amount to 0 and calculate the payment amount as the payment amount. This makes it possible to provide discount services within the budget.

[0071] The payment service provider presentation unit 114 in Fig. 4 presents to the user terminal 2 a plurality of payment service providers that can be selected as payment request destinations. Specifically, the payment service provider presentation unit 114 displays a payment service provider selection screen on the user terminal 2 and accepts the user's selection of a desired payment service provider from among the plurality of payment service providers displayed on the payment service provider selection screen. This will be specifically described with reference to Fig. 6.

[0072] Selection buttons 6c, 6d, 6e, and 6f on the payment service provider selection screen 6a in Fig. 6 are option buttons that allow the user to select the desired payment service provider. For example, selecting selection button 6c selects "credit card" as the payment method, selecting selection button 6d selects "Apay" as the payment method, selecting selection button 6e selects "Bpay" as the payment method, and selecting selection button 6f selects "Cpay" as the payment method.

[0073] The payment details display field 6b and the "Proceed to payment procedure" button 6g will be described in detail later.

[0074] Returning to the description of Fig. 4, the reception unit 115 in Fig. 4 receives from the user terminal 2 a request for payment processing to the payment service provider selected by the user.

[0075] The transmitting unit 116 transmits the payment processing request to the payment execution device 3 of the payment business operator that corresponds to the payment processing request received from the user terminal 2. This will be specifically described with reference to FIG.

[0076] When a user selects a payment provider on the payment provider selection screen 6a in Figure 6 and presses the "Proceed to payment procedure" button 6g, a request for payment processing by the selected payment provider is sent to the payment intermediary device 1. In Figure 6, "Cpay," which corresponds to selection button 6f, is selected as the payment provider. Therefore, when the "Proceed to payment procedure" button 6g is pressed, a request for payment processing is sent to the payment execution device 3 of "Cpay."

[0077] Returning to the explanation of Fig. 4, the payment result acquisition unit 117 in Fig. 4 acquires from the payment execution device 3 the result of the payment process executed by the payment execution device 3 in response to the payment process request sent to the payment execution device 3.

[0078] The payment result presentation unit 118 presents the result of the payment process obtained from the payment execution device 3 to the user terminal 2. This will be specifically described with reference to FIG.

[0079] 7 is a diagram showing an example of a payment result screen 7a. The payment result screen 7a illustratively includes a display field 7b for displaying the payment result.

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

[0081] [Operation of payment management system] An example of the flow of processing related to payment in payment management system 100 will be described with reference to FIG.

[0082] First, the user terminal 2 reads a predetermined code presented by the payee (step S101) and accesses the payment intermediary device 1. At this time, payee information and policy identification information of the policy applied to the payee may be transmitted to the payment intermediary device 1. If there are multiple policies applicable to the payee, the payee's clerk or the user may be able to select one of the policies.

[0083] Next, the user terminal 2 requests a payment information input screen from the payment intermediary device 1 (step S102), and the payment intermediary device 1 transmits information on the payment information input screen to the user terminal 2 (step S103), and causes the user terminal 2 to display, for example, the payment information input screen 5a of Figure 5 (step S104).

[0084] Next, the user enters the reception number in the reception number input field 5c, the payment amount in the payment amount input field 5d, and presses the “Select payment method” button 5e.The user terminal 2 then sends the reception number and payment amount to the payment intermediary device 1 and requests a payment service provider selection screen (step S105).

[0085] Next, the payment intermediary device 1 calculates the discount amount to be deducted from the payment amount entered by the user based on the discount rate stored in correspondence with the policy identification information of the policy applied to the store, and calculates the payment amount by subtracting the calculated discount amount from the payment amount (step S106).

[0086] Next, payment intermediary device 1 transmits information about the payment service provider selection screen to user terminal 2 (step S107), and causes user terminal 2 to display, for example, payment service provider selection screen 6a of FIG. 6 (step S108).

[0087] Next, when the user selects one of the selection buttons 6c, 6d, 6e, or 6f to select a payment provider and presses the "Proceed to payment procedure" button 6g on the payment provider selection screen 6a, the user terminal 2 sends the payment provider, payment amount, and discount amount to the payment intermediary device 1 and requests the payment intermediary device 1 to execute the payment process using the payment provider selected by the user (step S109).

[0088] Next, the payment intermediary device 1 requests the payment execution device 3 corresponding to the payment company selected by the user to execute the payment process by the payment company selected by the user (step S110).

[0089] Next, the payment execution device 3 executes the payment process (step S111) and transmits the result of the executed payment process to the payment intermediary device 1 (step S112).

[0090] Next, the payment intermediary device 1 transmits information about a payment result screen based on the result of the payment process to the user terminal 2 (step S113), and causes the user terminal 2 to display, for example, payment result screen 7a of FIG. 7 (step S114).

[0091] As described above, the payment intermediary device 1 according to the embodiment can obtain payment information, including payment identification information of a payee such as a store, payment identification information, and payment amount, from the user terminal 2, calculate a discount amount based on the discount rate corresponding to the policy identification information of the policy applied to the payee, and calculate the payment amount by subtracting the calculated discount amount from the payment amount. In addition to the calculated payment amount and discount amount, the device can present to the user terminal 2 multiple payment service providers that can be selected as payment request recipients.

[0092] This allows the user to check the payment amount and discount amount to which the discount service provided by the policy has been applied, and then select the desired payment provider to make the payment.

[0093] Therefore, according to the payment intermediary device 1 according to the embodiment, a user can make a payment by using a discount service applied to the payment, regardless of which payment provider the user selects.

[0094] Furthermore, the payment intermediary device 1 according to the embodiment allows a budget to be prepared for all payment service providers, which makes it possible to maintain fairness among payment service providers compared to allocating a budget to each payment service provider. In the case of allocating a budget to each payment service provider, if a service provider reaches its budget in a few days, the service provider's program will end earlier than the other service providers, resulting in unfairness among the service providers.

[0095] Furthermore, according to the payment intermediary device 1 of the embodiment, the campaign can be terminated when the budget of the entire payment service provider is exhausted, which reduces the workload of the hosting business compared to when the hosting business tallying up the rebate amounts of each payment service provider on a daily basis and setting the timing of the campaign termination while assessing the extent to which the budget of the entire payment service provider has been reached.

[0096] [Variations] It should be noted that the present invention is not limited to the above-described embodiment, and can be embodied in various other forms without departing from the spirit of the present invention. Therefore, the above-described embodiment is merely illustrative in all respects and should not be interpreted as being limiting.

[0097] For example, in the above-described embodiment, one discount rate is set for each payment service provider, but the number of discount rates is not limited to one. Multiple discount rates may be set to be applied according to predetermined conditions. For example, a first discount rate may be set to be applied when the predetermined conditions are met, and a second discount rate may be set to be applied when the predetermined conditions are not met.

[0098] In this modified example, it is preferable that the calculation unit 112 calculates the discount amount using a first discount rate when a specified condition is met, and calculates the discount amount using a second discount rate when the specified condition is not met.

[0099] The predetermined condition may be, for example, that the user resides in a specific area. In this case, it is preferable that the calculation unit 112 calculates the discount amount using a first discount rate when the user resides in the specific area, and calculates the discount amount using a second discount rate when the user does not reside in the specific area. In this case, it is preferable that the first discount rate applied to residents of the specific area is greater than the second discount rate applied to non-residents.

[0100] It is preferable to determine whether a user resides in a specific area using address information on the user's My Number card, driver's license, health insurance card, etc.

[0101] Furthermore, a payment that is eligible for a campaign may be set as a predetermined condition. In this case, it is preferable that the calculation unit 112 calculates the discount amount using a first discount rate if the payment is eligible for the campaign, and calculates the discount amount using a second discount rate if the payment is not eligible for the campaign. In this case, it is preferable that the first discount rate applied to payments eligible for the campaign is greater than the second discount rate applied to payments not eligible for the campaign.

[0102] An example of a campaign is a campaign that provides special benefits that are applied on the day a member registers at a specific store.

[0103] Whether or not a purchase is eligible for the campaign may be determined using, for example, payment identification information such as a receipt number, or information about the payee identified by a predetermined code read by the user terminal 2, or the like. [Explanation of symbols]

[0104] 1...payment intermediary device, 2...user terminal, 2a, 2b, 2c...user terminal, 3a, 3b, 3c...payment execution device, 11...processor, 12...storage device, 13...communication IF, 100...payment management system, 111...payment information acquisition unit, 112...calculation unit, 113...amount presentation unit, 114...payment business presentation unit, 115...reception unit, 116...transmission unit, 117...payment result acquisition unit, 118...payment result presentation unit, 121...program, 122...data

Claims

1. a payment information acquisition unit that acquires payment information including payment recipient identification information that identifies the payment recipient, payment identification information that identifies the payment, and the payment amount to be paid from a user terminal used by a user making a payment; a calculation unit that calculates a discount amount to be deducted from the payment amount based on a common discount rate that is determined for each policy identification information and that is applied to all payment service providers that the user can select, and that is stored in association with policy identification information that identifies the policy applied to the payment recipient, and that calculates the payment amount by subtracting the discount amount from the payment amount; an amount presentation unit that presents the calculated payment amount and discount amount on the user terminal; a payment service provider presentation unit that presents to the user terminal a plurality of payment service providers that can be selected as payment request recipients and to which the common discount rate is applied; A payment intermediary device comprising:

2. The payment destination is one of a plurality of stores located in the area where the policy is applied. The payment intermediary device of claim 1.

3. a reception unit that receives, from the user terminal, a request for payment processing to a payment service provider selected from the plurality of selectable payment service providers; a transmitting unit that transmits the request for the payment processing to a payment execution device of a payment business corresponding to the request for the payment processing; a payment result acquisition unit that acquires, from the payment execution device, a result of the payment process executed in response to the payment process request; a payment result presentation unit that presents a result of the payment process to the user terminal; The payment intermediary device of claim 1 further comprising:

4. a storage unit that stores a budget amount available as the discount amount and the discount rate for each of the policy identification information; the calculation unit subtracts the calculated discount amount from the available budget amount stored in association with the policy identification information, and updates the available budget amount stored in the storage unit. The payment intermediary device of claim 1.

5. the storage unit further stores, as the discount rate, a first discount rate to be applied when a predetermined condition is satisfied and a second discount rate to be applied when the predetermined condition is not satisfied, the first discount rate being greater than the second discount rate; The payment intermediary device according to claim 4.

6. the calculation unit calculates the discount amount using the first discount rate when the predetermined condition is satisfied, and calculates the discount amount using the second discount rate when the predetermined condition is not satisfied; The payment intermediary device according to claim 5.

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

8. the calculation unit calculates the discount amount using the first discount rate when the user resides in the specific area, and calculates the discount amount using the second discount rate when the user does not reside in the specific area; The payment intermediary device of claim 7.

9. The calculation unit determines whether the user resides in the specific area based on information on the user's My Number card. The payment intermediary device of claim 8.

10. the calculation unit, when the available budget amount stored in association with the policy identification information is smaller than the calculated discount amount, sets the discount amount to 0 and calculates the payment amount as the payment amount. The payment intermediary device according to claim 4.

11. 1. A processor-implemented method comprising: acquiring payment information including payment recipient identification information for identifying the payment recipient, payment identification information for identifying the payment, and a payment amount to be paid from a user terminal used by a user making the payment; a step of calculating a discount amount to be deducted from the payment amount based on a common discount rate that is determined for each policy identification information and that is stored in association with policy identification information that identifies the policy applied to the payee and that is applied to all payment service providers that the user can select, and calculating the amount obtained by subtracting the discount amount from the payment amount as the payment amount; presenting the calculated payment amount and discount amount to the user terminal; presenting, to the user terminal, a plurality of payment service providers to which the common discount rate is applied, which can be selected as payment request destinations; Payment intermediation methods, including:

12. Computer, a payment information acquisition unit that acquires payment information including payment destination identification information that identifies the payment destination, payment identification information that identifies the payment, and the payment amount to be paid from a user terminal used by a user making the payment; a calculation unit that calculates a discount amount to be deducted from the payment amount based on a common discount rate that is determined for each policy identification information and that is applied to all payment service providers that can be selected by the user, and that is stored in association with policy identification information that identifies the policy applied to the payment recipient, and that calculates the amount obtained by subtracting the discount amount from the payment amount as the payment amount; an amount presentation unit that presents the calculated payment amount and discount amount on the user terminal; a payment service provider presentation unit that presents to the user terminal a plurality of payment service providers that can be selected as payment request recipients and to which the common discount rate is applied; A payment intermediary program that acts as a payment intermediary.

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