Payment processing device, payment processing system, and payment processing method

Abstract

To provide a settlement processing device capable of preventing use of a service not intended by a settler when a user of the service and the settler are different.SOLUTION: A settlement processing device 100 is equipped with a usage application acceptance unit 111, a first two-dimensional code processing unit 112, an approval processing unit 113, a second two-dimensional code processing unit 114, and a payment processing unit 115. The usage application acceptance unit accepts usage application information related to the use of the service from users. The first two-dimensional code processing unit 112 generates a first two-dimensional code containing identification information for identifying the users. The approval processing unit 113 acquires approval information for the user's usage of the service. The second two-dimensional code processing unit 114 generates a second two-dimensional code containing user identification information and approval information based on the usage application information and the approval information. The payment processing unit 115 acquires payment information of service charge and notifies the settler of the usage information related to the use of the service.SELECTED DRAWING: Figure 3

Description

Technical Field

[0001] The present invention relates to a settlement processing device, a settlement processing system, and a settlement processing method.

Background Art

[0002] Conventionally, a system for paying (settling) taxi fares using payment means other than cash such as electronic money and credit cards has been proposed. Patent Document 1 discloses a method for settling taxi fares using electronic money. The method for settling taxi fares disclosed in Patent Document 1 displays the shortage amount on the taximeter when the remaining recharge amount of the electronic money card is insufficient for the taxi fare, and settles the taxi fare with the amount of cash deposited and the electronic money specified by the passenger.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the use of services such as taxis, for example, an employee of a company may pay the taxi fare using a corporate contract credit card or electronic money. That is, the person who actually rides in the taxi (the person who uses the service) and the person who pays the taxi fare (the person who settles) may be different. In this case, there is a risk that the employee may use the service for personal use beyond the permitted section or that the credit card or electronic money may be misused. That is, when the user of the service and the person who settles the service fee are different, a settlement process capable of preventing the use of the service unintended by the settler is required.

[0005] This invention has been made in view of the problems of the prior art described above. The object of this invention is to provide a payment processing device that can prevent the use of a service unintended by the payer when the service user and the payer of the service fee are different. [Means for solving the problem]

[0006] A payment processing device according to an aspect of the present invention includes: a user application receiving unit that receives user application information regarding the use of a service from a user terminal of a user using a service; a first two-dimensional code generation unit that generates a first two-dimensional code including identification information for identifying a user based on the user application information; a first two-dimensional code transmission unit that transmits the first two-dimensional code to the user terminal; an approval information receiving unit that obtains approval information for the user's use of the service transmitted by the payer in the payment of service fees via an administrator terminal; a second two-dimensional code generation unit that generates a second two-dimensional code including the user's identification information and approval information based on the user application information and the approval information; a second two-dimensional code transmission unit that transmits the second two-dimensional code to the user terminal; a payment information acquisition unit that obtains payment information for the service fees transmitted by the service provider when the service provider reads the second two-dimensional code; and a usage information notification unit that notifies the payer of usage information regarding the use of the service based on the payment information.

[0007] Another aspect of the present invention relates to a payment processing system comprising a user terminal, an administrator terminal, a payment processing device, and a payment terminal, wherein the payment processing device includes: a user application receiving unit that receives user application information regarding the use of the service from the user terminal of a user using the service; a first two-dimensional code generation unit that generates a first two-dimensional code including identification information for identifying the user based on the user application information; a first two-dimensional code transmission unit that transmits the first two-dimensional code to the user terminal; an approval information receiving unit that obtains approval information for the user's use of the service transmitted by the payer in the payment of service fees via the administrator terminal; a second two-dimensional code generation unit that generates a second two-dimensional code including user identification information and approval information based on the user application information and the approval information; and a second two-dimensional code The system includes a second two-dimensional code transmission unit that transmits a code to the user terminal, a payment information acquisition unit that acquires payment information for the service fee transmitted when the service provider reads the second two-dimensional code, and a usage information notification unit that notifies the payer of usage information regarding the use of the service based on the payment information. The user terminal has the function of transmitting the application information for the use of the service entered by the user to the payment processing unit and acquiring a first two-dimensional code to identify the user in the payment of the service fee. The administrator terminal has the function of transmitting approval information for the user's use of the service to the payment processing unit by reading the first two-dimensional code. The payment terminal has the function of transmitting the user's second two-dimensional code to the payment processing unit when the service provider reads it with a designated payment terminal.

[0008] Another aspect of the present invention relates to a payment processing method performed by a computer, which receives application information for the use of a service from a user terminal of a user using a service, generates a first two-dimensional code including identification information for identifying the user based on the application information, transmits the first two-dimensional code to the user terminal, obtains approval information for the user's use of the service transmitted by the payer in the payment of service fees via an administrator terminal, generates a second two-dimensional code including the user's identification information and approval information based on the application information and approval information, transmits the second two-dimensional code to the user terminal, obtains payment information for the service fees transmitted by the service provider when the second two-dimensional code is read, and notifies the payer's administrator terminal of the usage information regarding the use of the service based on the payment information. [Effects of the Invention]

[0009] According to the present invention, when the service user and the person who pays the service fee are different, it is possible to provide a payment processing device that can prevent the use of the service unintended by the payer. [Brief explanation of the drawing]

[0010] [Figure 1] This is a diagram showing the configuration of the payment processing system according to this embodiment. [Figure 2] This figure shows the configuration of the payment processing device according to this embodiment. [Figure 3] This is a block diagram showing the functional configuration of the payment processing device according to this embodiment. [Figure 4A] This is a block diagram showing the functional configuration of the first two-dimensional code processing unit of the payment processing device according to this embodiment. [Figure 4B] This is a block diagram showing the functional configuration of the approval processing unit of the payment processing device according to this embodiment. [Figure 4C] This is a block diagram showing the functional configuration of the second two-dimensional code processing unit of the payment processing device according to this embodiment. [Figure 4D]This is a block diagram showing the functional configuration of the payment processing unit of the settlement processing device according to this embodiment. [Figure 5A] This figure shows an example of user information stored in the user information database according to this embodiment. [Figure 5B] This figure shows an example of usage information stored in the usage information database according to this embodiment. [Figure 6A] This figure shows an example of an input screen for a service application. [Figure 6B] This figure shows an example of an input screen for the approval process. [Figure 7] This flowchart shows the flow of payment processing by the payment processing system according to this embodiment. [Modes for carrying out the invention]

[0011] The payment processing system 1 according to this embodiment will be described in detail below with reference to the drawings. Note that the dimensional ratios in the drawings are exaggerated for illustrative purposes and may differ from the actual ratios. In addition, in the following drawings, identical or similar parts are denoted by the same or similar reference numerals.

[0012] (Outline configuration of payment processing system 1) Figure 1 is a diagram showing the schematic configuration of the payment processing system 1 according to this embodiment. The payment processing system 1 is a system that performs payment processing for a user's use of a service and the payment of the fee for that service. In this specification, the configuration when the payment processing system 1 is applied to a service related to the use of a taxi will be described using the following specific example.

[0013] As shown in Figure 1, the payment processing system 1 according to this embodiment is composed of a server 10, a user terminal 20, an administrator terminal 30, a network 40, and a taxi 50.

[0014] Based on a service usage application from the user terminal 20, the server 10 generates a two-dimensional code capable of identifying the user, and performs settlement processing when the user makes a payment using the two-dimensional code. Details of the server 10 will be described later.

[0015] In this embodiment, the user terminal 20 is the terminal of a passenger using the taxi 50, and is realized by a smartphone or a tablet. The user exchanges data with the server 10 through a dedicated application operating on the user terminal 20. In addition, by displaying a predetermined two-dimensional code on the user terminal 20 and reading the displayed two-dimensional code with the administrator terminal 30 described later, an approval process by the settler is performed. In this embodiment, the two-dimensional code used for the approval process by the settler is referred to as the first two-dimensional code.

[0016] Furthermore, the user causes the user terminal 20 to display a predetermined two-dimensional code, and payment processing is performed by reading the displayed two-dimensional code with the payment terminal of the taxi 50 described later. In this embodiment, the two-dimensional code used for paying for the service is referred to as the second two-dimensional code.

[0017] In this embodiment, the administrator terminal 30 is the terminal of the settler who approves the user's service usage. Through this administrator terminal 30, the settler performs an approval process regarding the user's service usage based on the first two-dimensional code displayed on the user terminal 20 or the first two-dimensional code displayed in the approval request notified from the server 10.

[0018] The network 40 is a network that enables the server 10, the user terminal 20, the administrator terminal 30, and the payment terminal of the taxi 50 to communicate with each other, and is composed of wireless and / or wired. Note that the types of wireless and wired in the network 40 do not limit the configuration of this embodiment.

[0019] Taxi 50 is the subject of the service in this embodiment and is equipped with a dedicated payment terminal. As described above, after boarding taxi 50, the user operating the user terminal 20 displays the second two-dimensional code on the user terminal 20, and the payment of the taxi fare is processed by having the payment terminal of taxi 50 read it.

[0020] (Server 10 configuration) Figure 2 is a block diagram showing the configuration of server 10. As shown in Figure 2, server 10 includes a payment processing device 100 as a function. In this embodiment, the payment processing device 100 is composed of a general-purpose computer comprising a control unit 110, a storage unit 120, an input / output interface 130, and a communication interface 140. Details of the control unit 110 and the storage unit 120 will be described later.

[0021] Furthermore, when the user terminal 20, the administrator terminal 30, and / or the payment terminal for the taxi 50 are implemented as smartphones or tablets, the configuration may be the same as that shown in the block diagram in Figure 2.

[0022] The input / output interface 130 is, for example, a component (interface) for a user to exchange data with the server 10. The input / output interface 130 includes, for example, an input interface and an output interface (not shown in the diagram).

[0023] The input interface in the input / output IF130 has an interface function for inputting various information by the user, and information is input from outside the server 10. Information is input to the input interface by the user through devices connected to the server 10, such as a keyboard, mouse, touch panel, trackball, and voice recognition device. The input interface can also be used as a data input terminal to input data from an external storage device (not shown), etc.

[0024] The output interface of the input / output interface 130 can display user information and usage information, as described later, on a display device (not shown) connected to the server 10. The display device may be, for example, a display device or a projector device.

[0025] The communication interface 140 is an interface that enables communication between the server 10 and the user terminal 20, the administrator terminal 30, and / or the taxi 50 via the network 40.

[0026] (Functions of the payment processing device 100) Next, the functions of the payment processing device 100 will be described. As shown in Figure 3, the control unit 110 of the payment processing device 100 includes the following functions: application acceptance unit 111, first two-dimensional code processing unit 112, approval processing unit 113, second two-dimensional code processing unit 114, and payment processing unit 115.

[0027] Furthermore, as shown in Figure 4A, the first two-dimensional code processing unit 112 includes a first two-dimensional code generation unit 112a and a first two-dimensional code transmission unit 112b. The approval processing unit 113 includes an approval request reception unit 113a, an approval request notification unit 113b, and an approval information reception unit 113c, as shown in Figure 4B. The second two-dimensional code processing unit 114 includes a second two-dimensional code generation unit 114a and a second two-dimensional code transmission unit 114b, as shown in Figure 4C. Finally, the payment processing unit 115 includes a payment information acquisition unit 115a and a usage information notification unit 115b, as shown in Figure 4D. Details of each of these functions in the control unit 110 will be described later.

[0028] Furthermore, the control unit 110 controls the entire server 10, for example, by running an operating system. In addition, the control unit 110 operates based on a program stored in the storage unit 120 and executes each of the functions described above. Note that the program is not limited to being stored in the storage unit 120, but may also be stored in, for example, ROM (Read Only Memory) or the like (not shown) within the payment processing device 100.

[0029] As shown in Figure 3, the storage unit 120 stores the information contained in the user information DB121 (DB: Database) and the usage information DB122 as data. Note that there may be one or more storage units 120 that store each of these data. For example, a single storage unit 120 may be configured to store data in separate areas. Alternatively, the data may be distributed and stored in multiple storage devices located in physically separate locations.

[0030] The user information stored in the user information DB121 includes the following items, as shown in Figure 5A: "User ID," "Payment Method," and "Settlement." The "User ID" is information used to identify a user and is assigned to each user. The "Payment Method" is an item defined for each user, and stores information about the payment method for the service. For example, "Payment Method" could be electronic money or credit card. The "Settlement" item indicates whether the user in question is the payer or not. For example, if a user is the payer, they can settle payments for other users. Alternatively, a payer may be configured to be the payer for their own payments. For example, user "U002" shown in Figure 5A may be the payer for user "U001," or they may be the payer for their own payments.

[0031] The user information stored in the user information DB121 may be information that has been registered in advance by the user and stored in the user information DB121 of the storage unit 120. Alternatively, the user information stored in the user information DB121 may be information that has been registered in part or in whole in the form of the usage application information described later.

[0032] The usage information for services stored in the usage information DB122 includes the following items, as shown in Figure 5B: "User ID," "Service Details," "Scheduled Usage Date," "Scheduled Fee," and "Payer." The usage information also includes the following items: "Approval Result," "Maximum Amount," "Payment Amount," and "Usage Result." The "User ID," "Service Details," "Scheduled Usage Date," "Scheduled Fee," and "Payer" are information sent by the user as usage application information 122a. The "Approval Result" and "Maximum Amount" are information sent by the payer as approval information 122b.

[0033] The application acceptance unit 111 acquires the service application information entered by the user via the user terminal 20 and sent to the payment processing unit 100. Figure 6A shows an example of the input screen for a service application displayed on the screen of the user terminal 20. In the example shown in Figure 6A, the user enters information regarding "User ID," "Service to be used," "Service usage date," "Planned usage amount," and "Payer ID" through the input screen displayed on the user terminal 20. The application information entered by the user via the user terminal 20 is sent to the payment processing unit 100 and accepted by the application acceptance unit 111 of the payment processing unit 100. The application acceptance unit 111 stores the accepted application information in the usage information DB 122. In the example shown in Figure 5B, an example of the information stored is shown when a user with user ID "U001" makes the input shown in Figure 6A.

[0034] The first two-dimensional code generation unit 112a of the first two-dimensional code processing unit 112 generates a first two-dimensional code based on user information stored in the user information DB 121 and the usage application information 122a received by the usage application acceptance unit 111 and stored in the usage information DB 122. That is, the first two-dimensional code includes user identification information, payment method, user service details, planned usage date, planned service fee, and information about the payer. In this embodiment, the first two-dimensional code is a predetermined code used by the payer when performing the approval process described later, and is represented by a two-dimensional graphic.

[0035] The first two-dimensional code transmission unit 112b of the first two-dimensional code processing unit 112 transmits the first two-dimensional code generated by the first two-dimensional code generation unit 112a to the user terminal 20.

[0036] The approval processing unit 113 performs processing to obtain the payment authority's approval for the service the user intends to use. Specifically, the user displays the first two-dimensional code sent from the payment processing unit 100 on the user terminal 20, and the payment authority's administrator terminal 30 reads the displayed first two-dimensional code, which displays the input screen necessary for approval on the administrator terminal 30.

[0037] Figure 6B shows an example of an input screen for approval displayed on the administrator terminal 30. The payer enters the information necessary for approval according to the input screen displayed on the administrator terminal 30. In the example shown in Figure 6B, based on the information displayed in "User ID" and "Service Used," the payer selects whether or not to authorize the payment, sets an upper limit (maximum amount), and enters the amount. This information indicating whether or not the payer authorizes the payment corresponds to the approval result. After entering the information, the payer presses the submit button shown in Figure 6B, and the approval information, including the entered approval result and the upper limit amount, is sent to the payment processing device 100.

[0038] Thus, in the method in which the first two-dimensional code displayed by the user on the user terminal 20 is read by the administrator terminal 30 of the approving party and the necessary information for approval is entered, it is effective when the user directly requests approval from the approving party. In other words, the user can verbally communicate the services to be used and the information necessary for approval to the approving party, while the approving party's approval is carried out, preventing information leakage between the user and the approving party and ensuring that the approval process is carried out appropriately.

[0039] On the other hand, if it is difficult for the user to directly request approval from the payer, for example, when the payer is located far away, the user sends information regarding the approval request to the payment processing unit 100. This information regarding the approval request to the payment processing unit 100 can be sent from the user terminal 20. This information regarding the approval request also includes information about the payer. The approval request sent from the user terminal 20 is received by the approval request reception unit 113a of the approval processing unit 113 shown in Figure 4B. Subsequently, the approval request notification unit 113b notifies the corresponding payer's administrator terminal 30 of the approval request based on the payer's information in the approval request.

[0040] For example, the notification regarding the approval request sent from the approval request notification unit 113b to the administrator terminal 30 of the payer will be a screen similar to that shown in Figure 6B above. The payer enters the necessary information in response to the approval request sent from the payment processing unit 100 and then sends the approval information, including the approval result and the maximum amount, to the payment processing unit 100. Alternatively, the approval request notification sent from the approval request notification unit 113b to the administrator terminal 30 of the payer may be a first two-dimensional code. In this case, the payer may read the first two-dimensional code, which is the approval request notification sent from the approval request notification unit 113b, with the administrator terminal 30, and the input screen shown in Figure 6B may be displayed on the screen of the administrator terminal 30.

[0041] Thus, by providing an approval request receiving unit 113a and an approval request notification unit 113b, the payment processing device 100 ensures that the approval request is correctly notified to the payer even when the payer is located far away from the user. Therefore, it is possible to prevent impersonation of the payer and ensure that appropriate approval processing is carried out.

[0042] The approval information receiving unit 113c of the approval processing unit 113 receives approval information, including the approval result and the maximum amount, transmitted from the administrator terminal 30 of the approver, and stores it in the usage information DB 122. For example, in the example shown in Figure 5B, the approval information, including the approval result and the maximum amount, is stored as approval information 122b.

[0043] The second two-dimensional code processing unit 114 generates a second two-dimensional code and transmits it to the user's terminal 20. Specifically, the second two-dimensional code generation unit 114a of the second two-dimensional code processing unit 114 generates a second two-dimensional code based on the usage application information and approval information stored in the usage information DB 122. In this embodiment, the second two-dimensional code is a code that allows payment (settlement) to be performed by reading it with a predetermined reading terminal, and contains information including the usage application information and approval information. For example, in this embodiment, when paying the fare for taxi 50, the user presents the second two-dimensional code and the payment process is performed by reading it with the payment terminal of taxi 50.

[0044] The second two-dimensional code transmission unit 114b of the second two-dimensional code processing unit 114 transmits the second two-dimensional code generated by the second two-dimensional code generation unit 114a to the user terminal 20.

[0045] The payment information acquisition unit 115a of the payment processing unit 115 acquires payment information when a payment is made by the service provider reading the second two-dimensional code presented by the user. In this embodiment, the service provider corresponds to a taxi driver. The service provider reads the second two-dimensional code using a predetermined payment terminal. The predetermined payment terminal may be a dedicated device for reading the second two-dimensional code. Alternatively, the predetermined payment terminal may be a smartphone or tablet, and the function of reading the second two-dimensional code may be realized by an application installed on the smartphone or tablet. The predetermined payment terminal makes a payment if the approval result in the information contained in the second two-dimensional code permits the use of the service. The payment terminal also makes a payment if the amount used is less than the upper limit amount in the information contained in the second two-dimensional code.

[0046] Furthermore, in this embodiment, the payment information includes information regarding service charges such as taxi fares. The payment information acquisition unit 115a of the payment processing unit 115 stores the acquired payment information, which is the payment amount, in the location indicated as "payment amount" in the usage information DB 122. The payment information may also include route information of the taxi that was actually driven, and the route information may be included so that it is indicated in the "usage result" section of the usage information DB 122.

[0047] The usage information notification unit 115b of the payment processing unit 115 notifies the administrator terminal 30 of the payment administrator of usage information, including payment information stored in the usage information DB 122. Based on the usage information about the notified service, the payment administrator can then verify whether or not the user actually used the service that they approved.

[0048] (Outline of the processing flow of payment processing system 1) Next, the processing flow in the payment processing system 1 is shown using the sequence diagram in Figure 7. In the following explanation of the sequence diagram, the same content as described in the above-mentioned explanation of the payment processing system 1 and payment processing device 100 will be omitted or simplified.

[0049] In step S701, the user enters service application information via the user terminal 20, and the service application information entered by the user is received by the application acceptance unit 111 of the payment processing device 100. The application acceptance unit 111 stores the received application information in the service information database 122. In addition, if the received application information includes user information, the application acceptance unit 111 stores the user information in the user information database 121.

[0050] In step S702, the first two-dimensional code generation unit 112a generates a first two-dimensional code based on the user information stored in the user information DB 121 and the application information 122a received by the application acceptance unit 111 and stored in the application information DB 122.

[0051] In step S703, the first two-dimensional code transmission unit 112b of the payment processing device 100 transmits the first two-dimensional code generated by the first two-dimensional code generation unit 112a to the user terminal 20.

[0052] The processing from step S704 to step S707 is divided according to the method of the user's approval request. Specifically, in the case of a direct approval request, where the user presents the first two-dimensional code to the payer and the payer's administrator terminal 30 reads the first two-dimensional code, steps S704 and S705 shown in the upper part of the alt area a113 in Figure 7 are performed. On the other hand, in the case of an indirect approval request, where the user makes an approval request to the payment processing device 100 and the payer performs the approval processing according to the approval request notification sent from the payment processing device 100, steps S706 and S707 shown in the lower part of the alt area a113 in Figure 7 are performed.

[0053] In step S704, the user presents the first two-dimensional code to the payer by displaying the first two-dimensional code on the user terminal 20. The process then proceeds to step S705.

[0054] In step S705, the payer uses the administrator terminal 30 to read the first two-dimensional code presented by the user. The process then proceeds to step S708.

[0055] In step S706, the user submits an approval request to the payment processing unit 100. Specifically, the user sends information regarding the approval request to the payment processing unit 100 from the user terminal 20, and it is received by the approval request receiving unit 113a of the payment processing unit 100. The process then proceeds to step S707.

[0056] In step S707, the approval request notification unit 113b of the payment processing device 100 notifies the payer's administrator terminal 30 of the approval request. For example, the notification regarding the approval request sent from the approval request notification unit 113b to the payer's administrator terminal 30 will be a screen similar to that shown in Figure 6B above. The process then proceeds to step S708.

[0057] In step S708, the payer enters the necessary information in response to the approval request sent from the payment processing device 100. The process then proceeds to step S709.

[0058] In step S709, the approval information receiving unit 113c of the payment processing device 100 receives approval information, including the approval result and the maximum amount, transmitted from the administrator terminal 30 of the payer, and stores it in the usage information DB 122. For example, in the example shown in Figure 5B, the approval information, including the "approval result" and the "maximum amount," is stored as approval information 122b. The process then proceeds to step S710.

[0059] In step S710, the second two-dimensional code generation unit 114a of the payment processing device 100 generates a second two-dimensional code based on the application information and approval information stored in the usage information DB 122. The process then proceeds to step S711.

[0060] In step S711, the second two-dimensional code transmission unit 114b of the payment processing device 100 transmits the second two-dimensional code generated by the second two-dimensional code generation unit 114a to the user terminal 20. The user then uses the service, and the process proceeds to step S712.

[0061] In step S712, after using the service, the user presents a second QR code for payment. In this embodiment, step S712 is performed when the user arrives at their destination in taxi 50. The process then proceeds to step S713.

[0062] In step S713, the payment process is performed when the second two-dimensional code is read by the reader of the taxi 50. The process then proceeds to step S714.

[0063] In step S714, the payment information acquisition unit 115a of the payment processing device 100 acquires payment information transmitted from the taxi 50. Specifically, the payment information acquisition unit 115a acquires payment information when payment is completed by reading the second two-dimensional code presented by the user. In this embodiment, the payment information includes the taxi fare. The payment information acquisition unit 115a of the payment processing device 115 stores the acquired payment amount in the location indicated for payment amount in the usage information DB 122. The payment information may also include route information of the taxi that actually traveled, and the route information may be stored in the usage information DB 122.

[0064] In step S715, the usage information notification unit 115b of the payment processing device 100 notifies the administrator terminal 30 of the usage information stored in the usage information DB 122. Based on the notified usage information, the administrator can then confirm whether or not the user actually used the service that they approved.

[0065] As described above, the payment processing device 100 in this embodiment includes a user application receiving unit 111 that receives user application information regarding the use of the service from the user terminal 20 of a user using the service. The payment processing device 100 also includes a first two-dimensional code generation unit 112a that generates a first two-dimensional code containing identification information for identifying the user based on the user application information. The payment processing device 100 also includes a first two-dimensional code transmission unit 112b that transmits the first two-dimensional code to the user terminal 20. The payment processing device 100 also includes an approval information receiving unit 113c that obtains approval information for the user's use of the service transmitted by the payer in the payment of the service fee via the administrator terminal 30. The payment processing device 100 also includes a second two-dimensional code generation unit 114a that generates a second two-dimensional code containing the user's identification information and approval information based on the user application information and the approval information. The payment processing device 100 also includes a second two-dimensional code transmission unit 114b that transmits the second two-dimensional code to the user terminal 20. Furthermore, the payment processing device 100 includes a payment information acquisition unit 115a that acquires payment information for the service fee transmitted by the service provider when the service provider reads the second two-dimensional code. In addition, the payment processing device 100 includes a usage information notification unit that notifies the payer of usage information regarding the use of the service based on the payment information.

[0066] With this configuration, in this embodiment, the payment processing device 100 allows users to use services only for services approved by the service payer. Furthermore, the payment processing device 100 can verify whether the user used the service correctly by obtaining the results of the user's service use through notification from the usage information notification unit 115b. Therefore, the payment processing device 100 can prevent the use of services unintended by the payer when the service user and the payer are different.

[0067] Furthermore, approval information in the payment processing device 100 may be generated based on the payer's input to the input screen displayed on the administrator terminal 30 when the first two-dimensional code is read by the payer's administrator terminal 30, and transmitted to the approval information receiving unit 113c. This allows the payment processing device 100 to enable the payer to perform approval while the user directly verbally communicates the services to be used and the information necessary for approval to the payer, preventing information leakage between the user and the payer and enabling appropriate approval processing.

[0068] The payment processing device 100 may further include an approval request receiving unit 113a that receives an approval request for service use from the user terminal 20, and an approval request notification unit 113b that sends an approval request notification to the payer's administrator terminal 30 in response to the approval request. Approval information may also be generated based on the payer's input to an input screen displayed on the payer's administrator terminal 30 in response to the approval request notification, and sent to the approval information receiving unit 113c. This ensures that the payment processing device 100 correctly notifies the payer of the approval request even when the payer is located far away from the user. This prevents impersonation of the payer and ensures that appropriate approval processing is carried out.

[0069] Furthermore, the first two-dimensional code generation unit according to this embodiment may generate a first two-dimensional code based on the application information and user information about the user that has been previously stored in the storage unit 120. This makes it possible to prevent fraud such as user impersonation by registering user information in advance in the payment processing device 100, thereby increasing the reliability of the payment processing system 1.

[0070] Furthermore, the payment information according to this embodiment is transmitted to the payment information acquisition unit 115a when the service provider reads a second two-dimensional code relating to the user with a predetermined payment terminal. As a result, the payment processing device 100 performs payment processing correctly for services authorized by the payer, by reading the second two-dimensional code which includes the user's identification information and authorization information.

[0071] Furthermore, the approval information according to this embodiment may include an approval result indicating whether the payer permits the user to use the service, and information regarding the maximum amount for service use. In addition, the payment terminal may perform payment if the approval result in the information included in the second two-dimensional code permits the use of the service and the amount for service use is less than the maximum amount set by the payer. As a result, the payment processing device 100 can ensure that the user can use the service only for amounts within the maximum amount permitted by the payer, thereby preventing overuse of the service.

[0072] (Other embodiments) While embodiments have been described in detail with reference to the drawings, these embodiments are not limited to those described above. Furthermore, the components described above include those easily conceivable by those skilled in the art, and those that are substantially the same. Moreover, the configurations described above can be combined as appropriate. In addition, various omissions, substitutions, or modifications of the configurations can be made without departing from the spirit of the embodiments.

[0073] In the embodiments described above, the payment processing system 1 was shown as being implemented in a service related to the use of taxis, but the embodiments to which the payment processing system 1 is applied are not limited to this configuration. For example, the services to which the payment processing system 1 is applied may be services such as riding other modes of transportation, accommodation, and purchasing goods. Furthermore, the form in which the service user and the payer are different is not limited to company employees and payers, but may be other organizations or families, as long as the user and payer are different.

[0074] Furthermore, a computer program (payment processing program) that causes a computer to execute the processing (payment processing method) in the payment processing device 100 described above, and a computer-readable recording medium on which the program is stored, are included within the scope of this embodiment. Here, the type of computer-readable recording medium is arbitrary. In addition, the computer program is not limited to one stored on the recording medium, but may also be transmitted via telecommunication lines, wireless or wired communication lines, networks such as the Internet, etc.

[0075] The features of the payment processing device 100, the payment processing system 1, and the payment processing method are described below.

[0076] The payment processing device 100 according to the first embodiment includes a user application receiving unit 111 that receives user application information regarding the use of the service from a user terminal 20 of a user using the service. The payment processing device 100 also includes a first two-dimensional code generation unit 112a that generates a first two-dimensional code containing identification information for identifying the user based on the user application information. The payment processing device 100 also includes a first two-dimensional code transmission unit 112b that transmits the first two-dimensional code to the user terminal 20. The payment processing device 100 also includes an approval information receiving unit 113c that obtains approval information for the user's use of the service transmitted by the payer in the payment of the service fee via the administrator terminal 30. The payment processing device 100 also includes a second two-dimensional code generation unit 114a that generates a second two-dimensional code containing the user's identification information and approval information based on the user application information and the approval information. The payment processing device 100 also includes a second two-dimensional code transmission unit 114b that transmits the second two-dimensional code to the user terminal 20. Furthermore, the payment processing device 100 includes a payment information acquisition unit 115a that acquires payment information for the service fee transmitted by the service provider when the service provider reads the second two-dimensional code. In addition, the payment processing device 100 includes a usage information notification unit that notifies the payer of usage information regarding the use of the service based on the payment information.

[0077] With the above configuration, the payment processing device 100 allows users to use services only for services approved by the service payer. Furthermore, the payment processing device 100 can verify whether the user used the service correctly by obtaining the results of the user's use of the service through notification from the usage information notification unit 115b. Therefore, the payment processing device 100 can prevent the use of services unintended by the payer when the service user and the payer are different.

[0078] The approval information of the payment processing device 100 according to the second embodiment may be generated based on the payer's input to the input screen displayed on the administrator terminal 30 when the first two-dimensional code is read by the payer's administrator terminal 30, and transmitted to the approval information receiving unit 113c.

[0079] With the above configuration, the payment processing device 100 enables the user to verbally communicate the services to be used and the information necessary for approval to the payer, while the payer performs the approval. This prevents information from being lost between the user and the payer, and enables appropriate approval processing.

[0080] The payment processing device 100 according to the third embodiment may further include an approval request receiving unit 113a that receives an approval request for the use of the service from a user terminal 20, and an approval request notification unit 113b that sends an approval request notification to the payer's administrator terminal 30 in response to the approval request. In addition, the payment processing device 100 may generate approval information based on the payer's input to an input screen displayed on the payer's administrator terminal 30 in response to the approval request notification, and send it to an approval information receiving unit 113c.

[0081] With the above configuration, the payment processing device 100 can correctly notify the payer of the approval request even when the payer is located far away from the user. Therefore, it is possible to prevent impersonation of the payer and ensure that appropriate approval processing is carried out.

[0082] The first two-dimensional code generation unit of the payment processing device 100 according to the fourth embodiment may generate a first two-dimensional code based on the application information and user information about the user that has been previously stored in the storage unit 120.

[0083] According to the above configuration, by registering user information in advance in the payment processing device 100, it becomes possible to prevent fraud such as user impersonation, thereby increasing the reliability of the payment processing system 1.

[0084] The payment information of the payment processing device 100 according to the fifth embodiment may be transmitted to the payment information acquisition unit 115a by the service provider reading the second two-dimensional code relating to the user with a predetermined payment terminal.

[0085] According to the above configuration, the payment processing device 100 will correctly process payments for services authorized by the payer by reading a second two-dimensional code containing user identification information and authorization information.

[0086] The approval information of the payment processing device 100 according to the sixth embodiment may include an approval result indicating whether the payer permits the user to use the service, and information regarding the maximum amount for using the service. In addition, the payment terminal may perform payment if the approval result in the information contained in the second two-dimensional code permits the use of the service and the amount for using the service is less than the maximum amount set by the payer.

[0087] According to the above configuration, the payment processing device 100 enables users to use the service only within the upper limit permitted by the payer, thereby preventing excessive use of the service.

[0088] The seventh embodiment of the payment processing system 1 is a payment processing system comprising a user terminal 20, an administrator terminal 30, a payment processing device 100, and a payment terminal. The payment processing device 100 includes a user application reception unit 111 that receives user application information regarding the use of the service from the user terminal 20 of a user using the service. The payment processing device 100 also includes a first two-dimensional code generation unit 112a that generates a first two-dimensional code containing identification information for identifying the user based on the user application information. The payment processing device 100 also includes a first two-dimensional code transmission unit 112b that transmits the first two-dimensional code to the user terminal 20. The payment processing device 100 also includes an approval information reception unit 113c that obtains approval information for the user's use of the service transmitted by the payer via the administrator terminal 30 in connection with the payment of the service fee. The payment processing device 100 also includes a second two-dimensional code generation unit 114a that generates a second two-dimensional code containing the user's identification information and approval information based on the user application information and the approval information. The payment processing device 100 also includes a second two-dimensional code transmission unit 114b that transmits a second two-dimensional code to the user terminal 20. The payment processing device 100 also includes a payment information acquisition unit 115a that acquires payment information for the service fee transmitted when the service provider reads the second two-dimensional code. Based on the payment information, it includes a usage information notification unit 115b that notifies the payer of usage information regarding the use of the service. The user terminal 20 has the function of transmitting the service application information entered by the user to the payment processing device and acquiring a first two-dimensional code to identify the user in the payment of the service fee. The administrator terminal 30 has the function of transmitting approval information for the user's use of the service to the payment processing device 100 by reading the first two-dimensional code. The payment terminal has the function of transmitting the user's second two-dimensional code to the payment processing device when the service provider reads the user's second two-dimensional code with a designated payment terminal.

[0089] According to the above configuration, the payment processing system 1 allows users to use services only for services approved by the service payer. Furthermore, the payment processing system 1 can verify whether the user used the service correctly by obtaining the results of the user's service use through notifications from the usage information notification unit 115b. Therefore, the payment processing system 1 can prevent the use of services unintended by the payer when the service user and the payer are different.

[0090] The eighth aspect of the payment processing method is a payment processing method performed by a computer, which includes a process for receiving application information regarding the use of the service from a user terminal of a user using the service. The payment processing method also includes a process for generating a first two-dimensional code containing identification information for identifying the user based on the application information. The payment processing method also includes a process for transmitting the first two-dimensional code to the user terminal 20. The payment processing method also includes a process for obtaining approval information for the user's use of the service, which has been transmitted by the payer via the administrator terminal 30 in connection with the payment of the service fee. The payment processing method also includes a process for generating a second two-dimensional code containing the user's identification information and approval information based on the application information and the approval information. The payment processing method also includes a process for transmitting the second two-dimensional code to the user terminal 20. The payment processing method also includes a process for obtaining payment information for the service fee, which has been transmitted by the service provider when they read the second two-dimensional code. Furthermore, the payment processing method includes a process for notifying the payer's administrator terminal of usage information regarding the use of the service based on the payment information.

[0091] According to the above configuration, the payment processing method allows users to use services only for services approved by the service payer. Furthermore, the payment processing method can verify whether the user used the service correctly by obtaining the results of the user's service use through notifications from the usage information notification unit 115b. Therefore, the payment processing method can prevent the use of services unintended by the payer when the service user and the payer are different. [Explanation of Symbols]

[0092] 100 Payment Processing Units 111 Application Reception Department 112 First Two-Dimensional Code Processing Unit 112a First two-dimensional code generation unit 112b First two-dimensional code transmission unit 113 Approval Processing Unit 113a Approval Request Reception Department 113b Approval Request Notification Department 113c Approval Information Reception Department 114 Second Two-Dimensional Code Processing Unit 114a Second Two-Dimensional Code Generation Unit 114b Second two-dimensional code transmission unit 115 Payment Processing Section 115a Payment Information Acquisition Section 115b Usage information notification section

Claims

1. A user application reception unit receives user application information regarding the use of the service from the user terminal of a user using the service and stores it in a user information DB. A first two-dimensional code generation unit generates a first two-dimensional code including identification information for identifying the user, based on the aforementioned application information and user information about the user stored in the storage unit in advance. A first two-dimensional code transmission unit that transmits the first two-dimensional code to the user terminal, When the administrator terminal of the payer in payment of the service reads the first two-dimensional code, the approval information receiving unit acquires approval information for the user's use of the service transmitted by the payer via the administrator terminal, which is generated based on the payer's input to the input screen displayed on the administrator terminal, and stores it in the usage information DB. A second two-dimensional code generation unit generates a second two-dimensional code, which is a code that allows payment of fees to be made when read by a predetermined reading terminal, and which includes the user's identification information and approval information, based on the usage application information and approval information stored in the usage information DB. A second two-dimensional code transmission unit that transmits the second two-dimensional code to the user terminal, A payment information acquisition unit that acquires payment information for the service fee transmitted when the provider of the service reads the second two-dimensional code, A payment processing device comprising: a usage information notification unit that notifies the payer of usage information regarding the use of the service based on the payment information.

2. An approval request receiving unit that receives approval requests for the use of the service from the user terminal, The system further includes an approval request notification unit that, in response to the aforementioned approval request, sends an approval request notification to the administrator terminal of the approver, The payment processing device according to claim 1, wherein the approval information is generated based on the payer's input to the input screen displayed on the payer's administrator terminal in response to the approval request notification, and transmitted to the approval information receiving unit.

3. The payment processing device according to claim 1 or 2, wherein the payment information is transmitted to the payment information acquisition unit by the service provider reading the second two-dimensional code relating to the user with a predetermined payment terminal.

4. The approval information includes an approval result indicating whether the payer permits the user to use the service, and information regarding the maximum amount for using the service. The payment processing device according to claim 3, wherein the payment terminal, in the information contained in the second two-dimensional code, grants permission to use the service, and payment is made when the amount of the service used is less than the upper limit set by the payer.

5. A payment processing system comprising a user terminal, an administrator terminal, a payment processing device, and a payment terminal, The aforementioned payment processing device is A user application reception unit receives application information regarding the use of the service from the user terminal of a user using the service and stores it in a user information DB. A first two-dimensional code generation unit generates a first two-dimensional code including identification information for identifying the user, based on the aforementioned application information and user information about the user stored in the storage unit in advance. A first two-dimensional code transmission unit that transmits the first two-dimensional code to the user terminal, When the administrator terminal of the payer in payment of the service fees reads the first two-dimensional code, the approval information receiving unit acquires approval information for the user's use of the service transmitted by the payer via the administrator terminal, which is generated based on the payer's input to the input screen displayed on the administrator terminal, and stores it in the usage information DB. A second two-dimensional code generation unit generates a second two-dimensional code, which is a code that allows payment of fees to be made when read by a predetermined reading terminal, and which includes the user's identification information and approval information, based on the usage application information and approval information stored in the usage information DB. A second two-dimensional code transmission unit that transmits the second two-dimensional code to the user terminal, A payment information acquisition unit that acquires payment information for the service fee transmitted when the provider of the service reads the second two-dimensional code, It has a usage information notification unit that notifies the payer of usage information regarding the use of the service based on the payment information, The user terminal has the function of transmitting the application information for the use of the service entered by the user to the payment processing device, and obtaining the first two-dimensional code for identifying the user in the payment of the service fee. The administrator terminal has a function of reading the first two-dimensional code and transmitting the approval information for the user's use of the service to the payment processing device. The payment terminal has a function that allows the service provider to transmit the user's second two-dimensional code to the payment processing device by reading it with a predetermined payment terminal. Payment processing system.

6. A payment processing method performed by a computer, The system receives application information regarding the use of the service from the user terminal of a user using the service, and stores it in the user information database. Based on the aforementioned application information and user information relating to the user that has been previously stored in the storage unit, a first two-dimensional code including identification information for identifying the user is generated. The first two-dimensional code is transmitted to the user terminal, When the administrator terminal of the payer in payment of the service fees reads the first two-dimensional code, the system obtains approval information generated based on the payer's input to the input screen displayed on the administrator terminal, which is approval information for the user's use of the service transmitted by the payer via the administrator terminal, and stores it in the usage information DB. A second two-dimensional code, which includes the user's identification information and approval information, is generated based on the usage application information and approval information stored in the usage information DB, and is a code that enables payment of fees when read by a designated reading terminal. The second two-dimensional code is transmitted to the user terminal, The provider of the service obtains payment information for the service fee transmitted by reading the second two-dimensional code. A payment processing method that, based on the payment information, notifies the administrator terminal of the payer of usage information regarding the use of the service.

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