Payment programs, payment devices, and payment methods

Abstract

To improve the usability of various remittance methods.SOLUTION: In a settlement program according to the present application, a computer is made to execute a provision procedure for providing a user with billing information in the case of receiving the billing information indicating the contents of billing to a user (for example, information indicating the user (billing destination) who has been charged a fee, information indicating a business operator (billing source) that charges the fee to the user, the charged amount (billing amount), a transaction target to be billed, and the like), and a settlement processing procedure for performing the payment processing for making payment for the billing content indicated by the billing information in the case where the user performs the operation on payment.SELECTED DRAWING: Figure 1

Description

Technical Field

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

Background Art

[0002] Conventionally, technologies for making payments via various networks such as the Internet have been proposed. As an example of such a technology, a technology has been proposed in which, when information regarding account transfers is acquired, account transfer data for executing an account transfer in accordance with the acquired information is generated and transmitted to a banking system.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the above-described technology, there is room for improving the usability of various money transfers such as account transfers.

[0005] For example, in the above-described conventional technology, for users among the members for whom account transfers have not been made, only information for executing another account transfer is generated. For this reason, there is a risk that an account transfer may be made at a timing unintended by the user who is the remitter.

[0006] The present application has been made in view of the above, and an object thereof is to improve the usability of various money transfers.

Means for Solving the Problems

[0007] The settlement program according to the present application is characterized in that, upon receiving billing information indicating the content of a claim to a user, it causes the computer to execute a provision procedure for providing said billing information to the user, and, upon the user performing an operation to make a payment, it executes a settlement procedure for making a payment for the claim indicated by the billing information. [Effects of the Invention]

[0008] According to one embodiment, the usability of various money transfers can be improved. [Brief explanation of the drawing]

[0009] [Figure 1] Figure 1 shows an example of a payment processing method according to an embodiment. [Figure 2] Figure 2 shows an example of content displayed by an electronic payment app. [Figure 3] Figure 3 shows an example of the configuration of a terminal device according to this embodiment. [Figure 4] Figure 4 shows an example configuration of the second application according to the embodiment. [Figure 5] Figure 5 shows an example of the configuration of a payment server according to this embodiment. [Figure 6] Figure 6 shows an example of an account database according to the present invention. [Figure 7] Figure 7 shows an example of a billing information database according to the embodiment. [Figure 8] Figure 8 is a flowchart showing an example of the payment processing procedure according to this embodiment. [Figure 9] Figure 9 is a hardware configuration diagram showing an example of a computer that implements the functions of a terminal device. [Modes for carrying out the invention]

[0010] The following describes in detail, with reference to the drawings, the embodiments for implementing the settlement program, settlement device, and settlement method relating to this application (hereinafter referred to as "embodiments"). Note that these embodiments do not limit the settlement program, settlement device, and settlement method relating to this application. Furthermore, the same parts are denoted by the same reference numerals in each of the following embodiments, and redundant explanations are omitted. It can be done.

[0011] [1. Embodiments] The payment processing implemented by the payment program of this embodiment will be explained using Figure 1. Figure 1 is a diagram showing an example of payment processing according to the embodiment. In Figure 1, the payment processing by the payment program according to the embodiment is performed by the terminal device 100 shown in Figure 1. In other words, the terminal device 100 executes the payment processing according to the embodiment in accordance with the control of the payment program according to the embodiment.

[0012] As shown in Figure 1, the payment system 1 according to this embodiment includes a payment server 10, a terminal device 100, and a business operator server 200. The payment server 10, the terminal device 100, and the business operator server 200 are connected to each other via wired or wireless means through a network N (see, for example, Figure 2). The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that the payment system 1 shown in Figure 1 may include multiple payment servers 10, multiple terminal devices 100, and multiple business operator servers 200.

[0013] The payment server 10 shown in Figure 1 is an information processing device that provides electronic payment services related to electronic payments using terminal devices 100 and performs various types of payments. It can be implemented, for example, by a server device or a cloud system. For example, the payment server 10 manages the accounts of the providers (businesses) of the transactions and the users to whom the transactions are provided. In accordance with payment requests from users, it performs various types of payments by transferring electronic money between accounts. Electronic money may be, for example, points or currencies used independently by various companies, or it may be a form of currency provided by a country, such as Japanese yen or US dollars, that can be traded electronically.

[0014] The terminal device 100 shown in Figure 1 is an information processing device used by the user. The terminal device 100 can be implemented as, for example, a smartphone, a tablet device, a notebook PC (Personal Computer), a desktop PC, a mobile phone, or a PDA (Personal Digital Assistant). The terminal device 100 displays information distributed by the payment server 10 using a web browser or application. In the example shown in Figure 1, the terminal device 100 is a smartphone.

[0015] The service provider server 200 shown in Figure 1 is an information processing device used by each service provider, and can be implemented as a server or cloud system, for example. For example, the service provider server 200 manages billing information related to charges based on the user's use of the services provided by each service provider.

[0016] Here, prior to the settlement process executed by the terminal device 100, an example of settlement (electronic settlement) using the terminal device 100 will be described. In the following description, an example of a settlement where the user U performs settlement using the terminal device 100 with a two-dimensional code (QR code (registered trademark)) arranged in the store and indicating store identification information for identifying the store will be described. However, the embodiment is not limited to this. An example of the settlement described below is applicable even when an arbitrary user U performs settlement at an arbitrary store using an arbitrary terminal device 100. Also, the store identification information may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, or the like.

[0017] For example, when the user U performs settlement associated with the use or purchase of settlement targets such as various goods and services at a store, the user U launches a settlement application pre-installed on the terminal device 100. Then, the user U captures the store identification information installed in the store via the application. In such a case, the terminal device 100 displays a screen for inputting the price of the settlement target and receives an input of the settlement amount from the user U or a store clerk. Then, the terminal device 100 transmits settlement information indicating user information for identifying the user U, store identification information (or information indicated by the store identification information, that is, information indicating the store), and the settlement amount to the settlement server 10.

[0018] In such a case, the settlement server 10 transfers electronic money of the amount indicated by the settlement amount from the account of the user U indicated by the user information to the account of the store indicated by the store identification information. Then, the settlement server 10 transmits a notification indicating that the settlement has been completed to the terminal device 100. In such a case, the terminal device 100 notifies that the settlement has been made by electronic money by outputting a screen or a predetermined sound indicating that the settlement has been completed.

[0019] It should be noted that payment using the terminal device 100 is not limited to the process described above. For example, payment using the terminal device 100 may also be made using a store terminal installed in the store. For example, the terminal device 100 displays user identification information on its screen to identify user U. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 100 and sends payment information indicating the user identification information, the payment amount, and information identifying the store to the payment server 10. In such a case, the payment server 10 transfers the amount of electronic money indicated by the payment amount from user U's account, indicated by the user identification information, to the store's account, and may notify the store's store terminal or terminal device 100 that the payment has been completed by displaying a screen or outputting a predetermined sound indicating that the payment has been completed.

[0020] Furthermore, payment using the terminal device 100 may involve not only transferring electronic money from an account where user U has pre-charged electronic money to the store's account, but also, for example, payment using a credit card that user U has registered in advance. In such a case, for example, the payment server 10 may send the electronic money amount of the payment to the store's account and also bill the credit card company of user U for the payment amount.

[0021] Furthermore, the settlement using the terminal device 100 may involve not only the transfer of electronic money from user U's account to the store's account, but also, for example, the transfer of electronic money from user U's account to the account of a provider (business) that provides a predetermined transaction. In such a case, user U reads the barcode contained in the payment slip (for example, a payment slip used in a convenience store payment collection service) sent to user U by the business using the camera provided by the terminal device 100. The terminal device 100 then displays the payee and payment amount indicated by the read barcode on the screen, and when it receives an operation from user U to approve the transfer to the payee, it transmits settlement information indicating user identification information, payment amount, and information identifying the payee to the settlement server 10. In such a case, the settlement server 10 transfers the amount of electronic money indicated by the payment amount from user U's account to the payee's account.

[0022] Conventionally, a known technology for making payments via various networks involves generating account transfer data to execute the transfer when information regarding account transfers is obtained, and then transmitting this data to the banking system. However, when using such technology to make transfers, there is a risk that the account transfer may be executed at a time unintended by the sender, which can result in poor usability.

[0023] Therefore, the terminal device 100 executes the payment processing according to the embodiment. The payment processing executed by the terminal device 100 will be explained below with reference to Figure 1. In the following explanation, an example is shown in which the terminal device 100 is used by user U. Also, in the following explanation, the terminal device 100 may be treated as the same as user U. That is, in the following, user U can be read as terminal device 100.

[0024] Furthermore, in the following description, payment system 1 is assumed to have service provider servers 201 and 202 (hereinafter sometimes collectively referred to as "service provider servers 200") managed by service providers that supply services such as water, electricity, and gas to users (public utilities). Payment system 1 may include any number of terminal devices 100 and service provider servers 200.

[0025] First, the service provider server 200 sends billing information to the settlement server 10 regarding the charges for each user's service usage (step S1). For example, the service provider server 200 determines the charges to be billed to each user based on their usage of water, electricity, gas, etc., and sends billing information regarding the charges determined to the settlement server 10. To give a specific example, the service provider server 200 sends billing information to the settlement server 10 that includes information indicating the user who was charged (billed recipient), information indicating the service provider who bills the user (billing source), the amount charged (billed amount), the transaction subject to billing, and the payment due date.

[0026] Next, the payment server 10 distributes the billing information to the terminal device 100 (step S2). For example, the payment server 10 distributes the billing information corresponding to user U, along with payment content corresponding to the billing information, which is content that allows user U to make a payment for the billed amount corresponding to the billing information, to the terminal device 100. To give a specific example, the payment server 10 distributes the billing information and payment content that are displayed on the electronic payment application (an application provided by the payment server 10) that is pre-installed on the terminal device 100 to the terminal device 100.

[0027] Next, the terminal device 100 notifies that new billing information has been delivered (step S3). For example, when a pre-installed electronic payment application (an application provided by the payment server 10; hereinafter sometimes referred to as the "electronic payment app") is launched, the terminal device 100 notifies that new billing information has been delivered on that application. Alternatively, for example, the terminal device 100 displays a push notification that new billing information has been delivered.

[0028] Next, user U selects the billing information to be paid and performs an operation to make a payment corresponding to that billing information (step S4). For example, as an operation to make a payment, user U makes a selection operation for payment content displayed on the terminal device 100 by the electronic payment application.

[0029] Next, the terminal device 100 notifies the settlement server 10 of the billing information to be paid (step S5). For example, the terminal device 100 notifies the settlement server 10 of the billing information delivered along with the payment content selected by user U.

[0030] Here, using Figure 2, we will explain the various contents displayed on the terminal device 100 by the electronic payment application in the payment processing according to this embodiment. Figure 2 is a diagram showing an example of the contents displayed by the electronic payment application.

[0031] As shown in Figure 2, when the electronic payment application is launched, the terminal device 100 displays content C1 as the initial display. For example, the terminal device 100 displays various content related to electronic payments as described above. If a selection operation is received for button B1, the terminal device 100 displays content C2 related to various charges from the business operator.

[0032] In the example shown in Figure 2, the terminal device 100 displays content C2, which includes notification content NC1 that notifies the user that there are outstanding invoices among the invoice information distributed from the payment server 10. For example, if the terminal device 100 receives a selection operation on the lower part of content C2 (the area where the string "Read Invoice" is displayed), it performs the settlement process using the payment form described above. If the terminal device 100 receives a selection operation on notification content NC1, it displays content C3 regarding the payment details for the invoices corresponding to the invoice information.

[0033] In the example shown in Figure 2, the terminal device 100 displays content C3, which includes information showing the payment history of user U using electronic payment for the invoice corresponding to the invoice information distributed from the payment server 10, and notification content NC2 that notifies the user that new invoice information has been distributed. If a selection operation for notification content NC2 is received, the terminal device 100 displays content C4 showing the invoice information corresponding to notification content NC2.

[0034] In the example shown in Figure 2, the terminal device 100 displays content C4, which includes billing information and payment content PC1. When a selection operation for payment content PC1 is received, the terminal device 100 notifies the settlement server 10 of the billing information shown in content C4. The terminal device 100 then displays content C5 indicating that the billing information has been notified to the settlement server 10.

[0035] The terminal device 100 may also notify the user in content C1 or content C2 that new billing information has been delivered. The terminal device 100 may also place and display a push notification corresponding to the delivered billing information on the login screen. The terminal device 100 then displays content C4 after receiving a selection operation from the user in response to the push notification.

[0036] Returning to Figure 1, let's continue the explanation. The payment server 10 performs inter-account transfers according to the notified billing information (step S6). For example, the payment server 10 transfers electronic money equivalent to the billed amount from user U's account to the billing source account corresponding to the notified billing information.

[0037] As described above, the terminal device 100 according to the embodiment receives payment content along with billing information, and when it receives a selection operation for payment content, it notifies the settlement server 10 of the billing information (in other words, notifies of a request for remittance of the billed amount). As a result, the terminal device 100 according to the embodiment can make a payment (remittance) for the bill indicated by the billing information at the time the user makes a selection operation for the corresponding payment content after the billing information has been delivered, in other words, at any time of the user's choosing. In other words, the terminal device 100 according to the embodiment can improve the usability of various remittances.

[0038] Furthermore, there is a known technology for distributing electronic data (so-called electronic invoices) of invoices (payment documents) created by businesses to users. However, when users make payments using electronic invoices, they need to display the code included in the electronic invoice on their terminal device and have the code read by a terminal installed at the store providing the payment collection service, which can result in poor usability. In contrast, the terminal device 100 according to this embodiment can make payments for invoices indicated by the invoice information simply by accepting a selection operation for payment content distributed along with the invoice information, thereby improving the usability of various remittances.

[0039] [2. Configuration of the terminal device] Next, the terminal device 100 for realizing the payment processing described above will be explained with reference to Figure 3. Figure 3 is a diagram showing an example configuration of the terminal device according to the embodiment. As shown in Figure 2, the terminal device 100 includes a communication unit 110, a storage unit 120, a camera 130, a touch panel 140, and a control unit 150.

[0040] (Regarding Communications Unit 110) The communication unit 110 is implemented, for example, by a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wired or wireless connection and transmits and receives information with the payment server 10 that distributes the electronic payment application, the business operator server 200, and the like.

[0041] (Regarding memory unit 120) The memory unit 120 is implemented by, for example, semiconductor memory elements such as RAM (Random Access Memory) or flash memory, or by a storage device such as a hard disk or optical disc. The memory unit 120 also stores images captured by the camera 130.

[0042] (Regarding Camera 130) Camera 130 is an imaging device for capturing images (moving images or still images). Camera 130 is composed of an image sensor such as a CCD (Charged-coupled devices) sensor or a CMOS (Complementary metal-oxide-semiconductor) sensor.

[0043] (Regarding Touch Panel 140) The touch panel 140 is implemented using an LCD display or the like, and is an input device that displays various information and accepts various operations from the user using their finger or a dedicated pen.

[0044] (Regarding the control unit 150) The control unit 150 is a controller, and is implemented, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs stored in the memory device inside the terminal device 100 using RAM as the working area. Alternatively, the control unit 150 is a controller and can be implemented, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or FPGA (Field Programmable Gate Array).

[0045] Here, the control unit 150 implements various functions related to the terminal device 100 by executing multiple applications. For example, in the example shown in Figure 3, the control unit 150 executes the first application 151 and the second application 152. In addition to the applications shown in Figure 3, the control unit 150 may execute any number of applications to perform any desired functions.

[0046] The first application 151 is an application that serves as the OS (Operating System) of the terminal device 100. The second application 152 causes the terminal device 100 to execute the payment processing described above. Below, an example of the functional configuration of the second application 152 will be explained using Figure 4. Figure 4 is a diagram showing an example configuration of the second application according to the embodiment. As shown in Figure 4, the second application 152 according to the embodiment has a reception unit 1521, a notification unit 1522, a provision unit 1523, a payment processing unit 1524, and a display control unit 1525, and realizes or executes the information processing functions and operations described below.

[0047] (Regarding reception desk 1521) The reception unit 1521 receives billing information and payment content indicating payment. For example, in the example in Figure 1, the reception unit 1521 receives billing information corresponding to user U, along with payment content corresponding to said billing information, which is content for user U to make a payment for the billed amount corresponding to said billing information, from the settlement server 10.

[0048] (Regarding Notification No. 1522) The notification unit 1522 notifies the user that billing information has been received when it is received. For example, in the example in Figure 1, the notification unit 1522 notifies the user that new billing information has been delivered on the application when the electronic payment application is launched. To give a specific example, in the example in Figure 2, the notification unit 1522 notifies the user that new billing information has been delivered in any of the contents C1 to C3. Also, for example, the terminal device 100 notifies the user by placing a push notification corresponding to the delivered billing information on the login screen.

[0049] (Regarding item 1523) When the provisioning unit 1523 receives billing information indicating the details of the invoice to the user, it provides the billing information to the user. For example, in the example in Figure 1, the provisioning unit 1523 provides the billing information to user U on the electronic payment application.

[0050] Furthermore, if the user selects to receive a notification, the service provider 1523 may provide billing information. For example, in the example shown in Figure 2, when the service provider 1523 receives a selection operation for notification content NC2 that notifies the user that new billing information has been delivered, it displays content C4 that shows the billing information corresponding to notification content NC2.

[0051] Furthermore, the provisioning unit 1523 may provide the user with payment content indicating payment along with the billing information. For example, in the example in Figure 1, the provisioning unit 1523 provides billing information corresponding to user U, along with payment content (payment content PC1 in the example in Figure 2) which is content corresponding to the billing information and is used by user U to make a payment for the billed amount corresponding to the billing information.

[0052] Here, a request may arise to improve convenience by not only providing billing information when billing information is received from the payment server 10, but also by providing users with various information related to billing from each business operator. Therefore, the provision unit 1523 may provide the user with multiple billing information. For example, the provision unit 1523 may provide the user with multiple billing information newly distributed from the payment server 10, or billing information that has already been distributed but for which payment of the corresponding billing amount has not been made. To give a specific example, in content C3 shown in Figure 2, the provision unit 1523 further provides (displays) multiple notification contents corresponding to each of the multiple billing information.

[0053] Furthermore, the provisioning unit 1523 may also provide a history of billing information showing the details of the invoices for which the user has made payments. For example, in the example shown in Figure 2, the provisioning unit 1523 provides content C3 that includes information showing the history of payments made by user U using electronic payment for invoices corresponding to billing information distributed from the payment server 10.

[0054] Furthermore, the provisioning unit 1523 may provide information indicating the billing amount as billing information. For example, in the example in Figure 2, when the provisioning unit 1523 receives a selection operation for notification content NC2, it provides content C4 including the billing amount corresponding to notification content NC2.

[0055] Furthermore, the provisioning unit 1523 may provide information indicating the billing source as billing information. For example, in the example in Figure 2, when the provisioning unit 1523 receives a selection operation for notification content NC2, it further provides content C4 which includes information indicating the billing source corresponding to notification content NC2.

[0056] Furthermore, the provisioning unit 1523 may provide information indicating the transaction subject to the billing as billing information. For example, in the example in Figure 2, when the provisioning unit 1523 receives a selection operation for notification content NC2, it further provides content C4 which includes information indicating the transaction subject corresponding to notification content NC2 (e.g., water, electricity, gas, etc.).

[0057] Furthermore, if the provision unit 1523 receives billing information regarding the payment of public utility charges, it may provide such billing information to the user. For example, the provision unit 1523 provides billing information regarding the payment of public utility charges charged to the user by a business operator that provides services (public utilities) such as water, electricity, and gas to the user U.

[0058] Furthermore, the provisioning unit 1523 may display multiple pieces of target information indicating the transaction subject to billing, and display billing information for the transaction subject corresponding to the target information selected by the user. For example, in the example in Figure 2, the provisioning unit 1523 provides target information such as "AAA Electricity" indicating the transaction subject "Electricity," and "AAA Gas" corresponding to the transaction subject "Gas." When user U selects target information "AAA Electricity," the provisioning unit 1523 provides content (hereinafter sometimes referred to as "target content") including billing information distributed from the settlement server 10 regarding the transaction subject "Electricity," notifications and payment content corresponding to said billing information, and information showing the payment history of user U's electronic payment for the bill corresponding to the transaction subject "Electricity."

[0059] Furthermore, the provisioning unit 1523 may provide billing information that includes at least one of the following: information indicating the billing amount, information indicating the billing source, and information indicating the transaction subject to the billing. The provisioning unit 1523 may also provide billing information by combining multiple of the above processes. For example, the provisioning unit 1523 may provide billing information that includes information indicating the billing amount and information indicating the billing source.

[0060] Here, a desire to improve user convenience can be considered by automatically executing payment processing when an invoice is issued. Therefore, the provisioning unit 1523 may provide the user with the selected target information and the corresponding transaction information, along with automated content indicating that an invoice for the transaction corresponding to said target information will be automatically made. For example, the provisioning unit 1523 may include automated content in the target content to instruct the user to automatically make a payment for the invoiced amount related to the transaction, and provide this to the user.

[0061] (Regarding payment processing unit 1524) When a user performs an operation to make a payment, the payment processing unit 1524 executes payment processing to make a payment for the invoice indicated in the billing information. For example, when a user performs an operation to make a payment, the payment processing unit 1524 executes payment processing using the electronic payment service provided by the payment server 10.

[0062] Furthermore, if the user selects payment content, the payment processing unit 1524 may perform payment processing to make a payment for the invoice indicated by the billing information provided with the payment content. For example, the payment processing unit 1524 may perform payment (payment processing) for the invoice indicated by the billing information provided with the payment content selected by the user using the electronic payment service provided by the payment server 10.

[0063] Furthermore, if the user performs an operation after selecting any of the billing information, the settlement processing unit 1524 may execute settlement processing to make payment for the invoice indicated by the selected billing information. For example, if the user performs an operation to make a payment after selecting any of the multiple billing information provided by the provision unit 1523, the settlement processing unit 1524 will execute settlement processing to make payment for the invoice indicated by the selected billing information using the electronic payment service provided by the settlement server 10.

[0064] Furthermore, the settlement processing unit 1524 may perform settlement processing for the payment of public utility charges. For example, the settlement processing unit 1524 may perform settlement processing for the payment of public utility charges charged to users by a service provider that supplies water, electricity, gas, etc. (public utility).

[0065] Furthermore, the settlement processing unit 1524 may notify an external server device that enables inter-account transfers of the details of the invoice indicated by the invoice information. For example, in the example in Figure 1, the settlement processing unit 1524 notifies the settlement server 10 of the invoice information delivered along with the payment content selected by user U.

[0066] Furthermore, if the user selects automated content, the settlement processing unit 1524 may execute settlement processing to automatically make a payment when an invoice arises for the transaction item corresponding to the target information selected by the user. For example, if the user selects automated content included in the target content corresponding to the transaction item "electricity", the settlement processing unit 1524 will execute settlement processing to automatically pay the invoiced amount by the payment due date indicated by the invoice information when the settlement server 10 delivers invoice information for the transaction item "electricity". To give a specific example, if the user takes action to make a payment between the time the settlement server 10 delivers invoice information for the transaction item "electricity" and the payment due date, the settlement processing unit 1524 will execute settlement processing in accordance with that action. If the user does not take action to make a payment by the payment due date, the settlement processing unit 1524 will automatically execute settlement processing to make a payment.

[0067] The payment processing unit 1524 may also perform payment processing using payment slips sent by the business operator to the user. For example, the camera 130 reads the barcode included in the payment slip via an electronic payment app in response to the user's operation. The payment processing unit 1524 then performs payment processing based on the billing source and billing amount indicated by the read barcode.

[0068] The payment processing unit 1524 may also perform payment processing using electronic payment at the store. For example, the payment processing unit 1524 transmits to the payment server 10 user information that identifies the user, information indicating store identification information captured by the camera 130, and payment information indicating the payment amount entered into the terminal device 100 by the user or store employee.

[0069] (Regarding the display control unit 1525) The display control unit 1525 controls the display on the terminal device's screen (touch panel 140) in response to user operations and payment processing performed by the payment processing unit 1524.

[0070] Furthermore, when a user makes a payment using a payment slip, the display control unit 1525 may display a screen for scanning a barcode or a screen indicating that the payment process has been executed, in response to the user's operation. Also, when a user makes a payment using electronic payment at a store, the display control unit 1525 may control the display of screens related to electronic payment in response to the user's operation. For example, the display control unit 1526 may display a screen for scanning an image of store identification information that identifies the store, a screen for receiving input of the payment amount from user U or store employee, or a screen indicating that payment information has been sent to the payment server 10.

[0071] [3. Configuration of the payment server] Next, the configuration of the payment server 10 will be described using Figure 5. Figure 5 is a diagram showing an example of the configuration of a payment server according to the embodiment. As shown in Figure 5, the payment server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

[0072] (Regarding Communications Section 20) The communication unit 20 is implemented, for example, by a NIC (Network Interface Card). The communication unit 20 is connected to the network N by wire or wireless connection and transmits and receives information with terminal devices 100, carrier servers 200, etc.

[0073] (Regarding memory unit 30) The storage unit 30 is implemented by, for example, semiconductor memory elements such as RAM and flash memory, or storage devices such as hard disks and optical discs. 5 As shown, the storage unit 30 has an account database 31 and a billing information database 32.

[0074] (Regarding account database 31) The account database 31 stores various information about user and business accounts. Here, an example of the information stored in the account database 31 will be explained using Figure 6. Figure 6 is a diagram showing an example of an account database according to the embodiment. In the example in Figure 6, the account database 31 has items such as "account ID," "owner information," and "account balance."

[0075] The "Account ID" indicates identification information used to identify the account. The "Owner Information" indicates information about the owner (user or business) who owns the account, and for example, it stores identification information (identifier) ​​used to identify the owner. The "Account Balance" indicates the balance of the account owned by the user or business.

[0076] In other words, Figure 6 shows an example where the account owner identified by account ID "AID#1" is "User#1" and the account balance is "7800".

[0077] (Regarding the billing information database 32) The billing information database 32 stores billing information transmitted from the business server 200. Here, an example of the information stored in the billing information database 32 will be explained using Figure 7. Figure 7 is a diagram showing an example of a billing information database according to the embodiment. In the example in Figure 7, the billing information database 32 has items such as "Billing Information ID", "Business Information", "User Information", "Billing Target", and "Billing Amount".

[0078] "Billing Information ID" indicates identification information used to identify billing information. "Business Information" indicates information about the business that is billing, and for example, it stores identification information to identify the business. "User Information" indicates information about the user to whom the billing is being processed, and for example, it stores identification information to identify the user. "Billing Subject" indicates the transaction subject to the billing. "Billing Amount" indicates the amount to be billed to the recipient.

[0079] In other words, Figure 7 shows an example in which billing information identified by the billing information ID "AID#1" includes information such as business information "Business #1", user information "User #1", billing target "Water", and billing amount "5200".

[0080] (Regarding the control unit 40) The control unit 40 is a controller and is implemented, for example, by a CPU or MPU executing various programs stored in the storage device inside the payment server 10 using RAM as a working area. Alternatively, the control unit 40 is a controller and can be implemented, for example, by an integrated circuit such as an ASIC or FPGA. As shown in Figure 5, the control unit 40 according to this embodiment has a receiving unit 41, a providing unit 42, and a payment processing unit 43, and implements or executes the information processing functions and operations described below.

[0081] (Regarding Reception Desk 41) The reception unit 41 receives billing information. For example, in the example shown in Figure 1, the reception unit 41 receives billing information from the service provider server 200, including information indicating the user who was charged, information indicating the service provider that bills the user, the amount charged, and the transaction subject to billing.

[0082] Furthermore, the reception unit 41 may receive notifications of billing information subject to payment. For example, in the example in Figure 1, the reception unit 41 receives notifications of billing information corresponding to the payment content selected by user U.

[0083] (Regarding Section 42) The provisioning unit 42 distributes (provides) billing information. For example, in the example in Figure 1, the provisioning unit 42 distributes billing information corresponding to user U, along with payment content corresponding to said billing information, which is content that allows user U to make a payment for the billed amount corresponding to said billing information, to the terminal device 100.

[0084] (Regarding settlement department 43) The settlement processing unit 43 executes settlement processing according to the billing information corresponding to the notification received by the reception unit 41. For example, in the example in Figure 1, the settlement processing unit 43 transfers electronic money equivalent to the billed amount from user U's account to the billing source account corresponding to the notified billing information.

[0085] [4. Payment Processing Flow] The procedure for payment processing of the terminal device 100 according to this embodiment will be explained using Figure 8. Figure 8 is a flowchart showing an example of the payment processing procedure according to this embodiment.

[0086] As shown in Figure 8, the terminal device 100 determines whether or not it has received the billing information (step S101). If it has not received the billing information (step S101; No), the terminal device 100 waits until it receives the billing information. On the other hand, if it has received the billing information (step S101; Yes), the terminal device 100 notifies the user that new billing information has been received (step S102).

[0087] Next, the terminal device 100 determines whether the user has performed an operation to select billing information and make a payment (step S103). If no operation has been performed (step S103; No), the terminal device 100 waits until the operation is performed. On the other hand, if an operation has been performed (step S103; Yes), the terminal device 100 performs a settlement process to make a payment for the bill indicated by the selected billing information (step S104). The process then ends.

[0088] [5. Variations] The above-described embodiment is merely an example, and various modifications and applications are possible.

[0089] [5-1. Regarding the content indicated in the billing information] In the embodiments described above, an example was shown where the billing information pertains to the payment of public utility charges that are billed to the user based on their usage of water, electricity, gas, etc. However, the billing information is not limited to such examples and may also pertain to the payment of charges with set due dates or charges that are billed to the user at predetermined intervals. For example, the billing information pertains to the payment of goods purchased in a shopping service, charges incurred in various services (e.g., subscription services), rent, tuition fees, etc.

[0090] [5-2. Regarding the provision of automated content] In the above-described embodiment, an example was shown in which the provisioning unit 1523 provides automatic content in the target content corresponding to the target information selected by the user. However, the functions of the provisioning unit 1523 are not limited to such examples. For example, when the settlement processing unit 1524 performs settlement processing using a payment form, the provisioning unit 1523 may provide automatic content on a screen indicating that the settlement processing has been performed. To give a specific example, when the settlement processing unit 1524 performs settlement processing for the transaction subject "electricity" using a payment form, the provisioning unit 1523 provides automatic content on a screen indicating that the settlement processing has been performed to instruct the system to automatically make payment for the invoice amount related to the transaction subject "electricity".

[0091] [5-3. Regarding the processing method] Of the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, all or part of the processes described as being performed manually can be performed automatically by known methods. In addition, the processing procedures, specific names, and information including various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown.

[0092] Furthermore, the components of each illustrated device are functionally conceptual and do not necessarily need to be physically configured as shown. In other words, the specific forms of distribution and integration of each device are not limited to those shown, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads and usage conditions.

[0093] Furthermore, the embodiments described above can be combined as appropriate, provided that the processing content is not contradictory.

[0094] [6. Effects] As described above, the terminal device 100 according to this embodiment includes a reception unit 1521, a notification unit 1522, a provision unit 1523, a settlement processing unit 1524, and a display control unit 1525. The reception unit 1521 receives billing information and payment content indicating payment. The notification unit 1522 notifies the user that billing information has been received when it has been received. The provision unit 1523 provides billing information to the user when it receives billing information indicating the content of the bill to the user. The provision unit 1523 also provides billing information if the user selects to be notified. The settlement processing unit 1524 executes settlement processing to make payment for the bill indicated by the billing information when the user performs an operation to make a payment. The settlement processing unit 1524 also notifies an external server device that realizes inter-account transfers of the content of the bill indicated by the billing information. The display control unit 1525 controls the display on the terminal device screen according to the user's operation and the settlement processing executed by the settlement processing unit 1524.

[0095] As a result, the terminal device 100 according to the embodiment can make payments (transfers) for invoices indicated by the billing information at any time the user chooses, thereby improving the usability of various types of transfers.

[0096] Furthermore, in the terminal device 100 according to the embodiment, for example, the provision unit 1523 provides the user with payment content indicating payment along with billing information. Then, if the user selects payment content, the settlement processing unit 1524 executes settlement processing to make payment for the invoice indicated by the billing information provided with the payment content. The provision unit 1523 also provides the user with multiple billing information. Then, if the user performs an operation after selecting any of the billing information, the settlement processing unit 1524 executes settlement processing to make payment for the invoice indicated by the selected billing information. The provision unit 1523 also further provides a history of billing information showing the content of the invoices paid by the user. The provision unit 1523 also displays multiple target information indicating the transaction subject to billing, and displays billing information related to the transaction subject corresponding to the target information selected by the user. The provision unit 1523 also provides information indicating the billing amount as billing information. The provision unit 1523 also provides information indicating the billing source as billing information. The provision unit 1523 also provides information indicating the transaction subject to billing as billing information.

[0097] As a result, the terminal device 100 according to this embodiment can provide users with various information related to the invoice along with notification of the invoice from the business operator, thereby improving the usability of various remittances.

[0098] Furthermore, in the terminal device 100 according to this embodiment, for example, the provision unit 1523 provides billing information for the transaction item corresponding to the target information selected by the user, along with automated content indicating that a bill for the transaction item corresponding to the target information will be automatically made. Then, if the user selects automated content, the settlement processing unit 1524 executes settlement processing to automatically make a payment when a bill for the transaction item corresponding to the target information selected by the user occurs.

[0099] As a result, the terminal device 100 according to this embodiment can make a transfer to a business without the user having to perform any operation in response to a request from the business, thereby improving the usability of various transfers.

[0100] Furthermore, in the terminal device 100 according to this embodiment, for example, if the provision unit 1523 receives billing information regarding the payment of public utility charges, it provides the billing information to the user. The settlement processing unit 1524 then executes settlement processing for the payment of public utility charges.

[0101] As a result, the terminal device 100 according to the embodiment can make a transfer of funds to the billing entity for public utilities without having to perform operations such as entering codes included in the payment slips for public utilities, thereby improving the usability of various transfers.

[0102] [7. Hardware Configuration] Furthermore, each of the terminal devices 100 according to the embodiments described above can be realized by a computer 1000 having a configuration such as that shown in Figure 9. The following explanation will use the terminal device 100 as an example. Figure 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the terminal device. The computer 1000 has a CPU 1100, ROM 1200, RAM 1300, HDD 1400, communication interface (I / F) 1500, input / output interface (I / F) 1600, and media interface (I / F) 1700.

[0103] The CPU 1100 operates based on programs stored in the ROM 1200 or HDD 1400, and controls various parts. The ROM 1200 stores boot programs executed by the CPU 1100 when the computer 1000 starts up, as well as programs that depend on the computer 1000's hardware.

[0104] The HDD 1400 stores programs executed by the CPU 1100, as well as data used by such programs. The communication interface 1500 receives data from other devices via the communication network 500 (corresponding to network N in this embodiment) and sends it to the CPU 1100, and also transmits data generated by the CPU 1100 to other devices via the communication network 500.

[0105] The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, via the input / output interface 1600. The CPU 1100 acquires data from input devices via the input / output interface 1600. The CPU 1100 also outputs the data it generates to output devices via the input / output interface 1600.

[0106] The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700 and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0107] For example, when computer 1000 functions as terminal device 100, the CPU 1100 of computer 1000 implements the functions of control unit 150 by executing programs loaded onto RAM 1300. The HDD 1400 stores the data from the terminal device 100's storage device. The CPU 1100 of computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be obtained from other devices via a predetermined communication network.

[0108] [8. Other] Although some embodiments of the present invention have been described in detail above with reference to the drawings, these are illustrative examples, and the present invention can be implemented in various other forms with modifications and improvements based on the knowledge of those skilled in the art, starting with the embodiments described in the disclosure section of the invention.

[0109] Furthermore, the configuration of the aforementioned terminal device 100 can be flexibly changed, for example, by calling external platforms, etc., via APIs (Application Programming Interfaces) or network computing, depending on the function.

[0110] Furthermore, the term "part" in the claims can be replaced with "means," "circuit," etc. For example, "reception part" can be replaced with "reception means" or "reception circuit." [Explanation of Symbols]

[0111] 10 Payment Server 20 Communications Department 30 Storage section 31 Account Database 32. Billing Information Database 40 Control Unit 41 Reception Department 42 Providing Department 43 Payment Processing Unit 100 terminal devices 110 Communications Department 120 Storage section 130 Cameras 140 Touch Panel 150 Control Unit 151 First Application 152 Second Application 1521 Reception Department 1522 Notification Department 1523 Providing Department 1524 Payment Processing Unit 1525 Display Control Unit

Claims

1. A procedure for receiving information for providing payment services related to electronic payments, including payment request information, from a settlement server that has a designated account database and performs inter-account settlements, A payment processing procedure is provided when, upon receiving information for providing the aforementioned payment service, a user who has been notified that a request has been made selects the notification, and the user who has been provided with information regarding the aforementioned payment service performs an operation to make a payment via the information for providing the aforementioned payment service, the payment server is instructed to perform a payment process based on the payment request information to make a payment corresponding to that operation. A payment program that causes a computer to execute a payment.

2. The aforementioned acceptance procedure receives information for providing payment services related to electronic payments, including multiple payment request information, from a settlement server equipped with a predetermined account database and performing inter-account settlements. The aforementioned payment processing procedure receives information for providing the payment service, and when a user who has been notified that a request has been made selects the notification, and the user who has been provided with information regarding the payment service performs an operation to make a payment via the information for providing the payment service based on that information, the procedure instructs the payment server to perform a payment processing operation for the payment request information related to the information for providing the payment service on which the operation was performed, in order to make a payment in accordance with that operation. The payment program according to feature 1.

3. A procedure for receiving information for providing payment services related to electronic payments, including payment request information, from a settlement server that has a designated account database and performs inter-account settlements, A payment processing procedure is provided in which information for providing the payment service is received, a user who has been notified that a request has been made selects the notification, and the user who has been provided with information regarding the payment service based on that information performs an operation to make a payment via the information for providing the payment service, and the payment server is instructed to perform a payment process to make the payment corresponding to that operation by transferring electronic money from the user's account to the payee's account based on the payment request information. A payment program that causes a computer to execute a payment.

4. The aforementioned acceptance procedure receives information for providing payment services related to electronic payments, including multiple payment request information, from a settlement server equipped with a predetermined account database and performing inter-account settlements. The aforementioned payment processing procedure receives information for providing the payment service, and when a user who has been notified that a request has been made selects the notification, and the user who has been provided with information regarding the payment service performs an operation to make a payment via the information for providing the payment service, the procedure instructs the payment server to perform a payment processing operation for the payment request information related to the payment service information for which the operation was performed, by transferring electronic money from the user's account to the payee's account based on the payment request information, in order to make the payment corresponding to the operation. The payment program according to feature 3.

5. In the payment service, payment content for making a payment is provided to the user, The aforementioned payment processing procedure is: If the user selects the payment content, the payment server will be instructed to perform a payment process to make a payment for the invoice indicated by the payment request information provided along with the payment content. A payment program according to any one of features 1 to 4.

6. A history of payment request information showing the details of the invoices for which the user has made a payment is further provided. The payment program according to feature 5.

7. Multiple pieces of information indicating the subject of the claim are displayed, and payment request information relating to the subject of the claim corresponding to the information selected by the user is displayed. The payment program according to claim 5 or 6.

8. An automated payment service relating to electronic payment is provided, which indicates that a request will be automatically made for the transaction subject corresponding to the target information selected by the user, along with payment request information relating to the transaction subject corresponding to the target information. The aforementioned payment processing procedure is: If the user selects the automatic payment service, the payment server will be instructed to perform payment processing to automatically make payments when an invoice arises for the transaction item corresponding to the target information selected by the user. The payment program according to feature 7.

9. The payment request information is provided, which includes at least one of the following: information indicating the amount requested, information indicating the requesting party, and information indicating the transaction subject to the request. A payment program according to any one of features 5 to 8.

10. When payment request information regarding the payment of public utility charges is received from the settlement server that performs settlement, the payment request information is provided to the user. The aforementioned payment processing procedure is: The payment server that handles payments is instructed to execute the payment process for paying the aforementioned public utility charges. A payment program according to any one of features 5 to 9.

11. The aforementioned payment processing procedure is: The external server device that facilitates inter-account transfers is notified of the details of the request indicated by the payment request information. A payment program according to any one of features 1 to 10.

12. A receiving unit that receives information for providing payment services related to electronic payments, including payment request information, from a settlement server that has a designated account database and performs inter-account settlements, A settlement processing unit receives information for providing the aforementioned payment service, and when a user who has been notified that a request has been made selects the notification, and the user who has been provided with information regarding the aforementioned payment service performs an operation to make a payment via the information for providing the aforementioned payment service, the settlement processing unit instructs the settlement server to execute a settlement process to make a payment in response to the operation based on the payment request information. A terminal device characterized by having the following features.

13. A payment method performed by a terminal device, A receiving process for receiving information for providing payment services related to electronic payments, including payment request information, from a settlement server that has a predetermined account database and performs inter-account settlements, A payment processing step in which, when information for providing the payment service is received, a user who has been notified that a request has been made selects the notification, and the user who has been provided with information regarding the payment service performs an operation to make a payment via the information for providing the payment service, the payment server is instructed to perform a payment process to make a payment in response to the operation based on the payment request information. A payment method characterized by including [something].

14. A receiving unit that receives information for providing payment services related to electronic payments, including payment request information, from a settlement server that has a designated account database and performs inter-account settlements, A settlement processing unit receives information for providing the aforementioned payment service, and when a user who has been notified that a request has been made selects the notification, and the user who has been provided with information regarding the aforementioned payment service performs an operation to make a payment via the information for providing the aforementioned payment service, the settlement processing unit instructs the settlement server to perform a settlement process to make a payment corresponding to the operation by transferring electronic money from the user's account to the payee's account based on the payment request information. A terminal device characterized by having the following features.

15. A payment method performed by a terminal device, A receiving process for receiving information for providing payment services related to electronic payments, including payment request information, from a settlement server that has a predetermined account database and performs inter-account settlements, A settlement processing step in which, upon receiving information for providing the aforementioned payment service, a user who has been notified that a request has been made selects the notification, and based on that information, the user who has been provided with information regarding the aforementioned payment service performs an operation to make a payment via the information for providing the aforementioned payment service, instructs the settlement server to perform a settlement process to make a payment corresponding to that operation by transferring electronic money from the user's account to the payee's account based on the payment request information. A payment method characterized by including [something].

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