JP2022031542A - Method for processing information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To present information to a user according to the purchase situation of the user.

SOLUTION: A settlement processor 1 includes: a user ID for specifying a user from a user terminal 2; a settlement information receiving unit 133 for receiving information of a store shown by a code read by the user terminal 2; an issuance request acquisition unit 131 or a settlement information receiving unit 133 for receiving settlement information from the user terminal 2 or from a store terminal 3; a settlement processing unit 134 for making settlement on the basis of the received user ID and the settlement information; and an advertisement information sending unit 135 for acquiring presentation information to present to the user on the basis of the received information of the store, the presentation information including information on a store which is not the store shown by a code or information on a business operator who is not the business operator who manages the store, sending the acquired presentation information to the user terminal 2 after the settlement is made.

SELECTED DRAWING: Figure 2

COPYRIGHT: (C)2022,JPO&INPIT

Description

The present invention relates to an information processing method for executing a process related to code payment.

Code payment using a two-dimensional bar code such as a QR code (registered trademark) has become widespread (see, for example, Patent Document 1, Patent Document 2, and Patent Document 3). In the code payment, the payment is made by reading the two-dimensional bar code displayed by the store side by the user terminal or by reading the two-dimensional bar code displayed by the user terminal by the store side.

Japanese Patent No. 6528160 Japanese Patent No. 6473539 Japanese Patent No. 6542455

In conventional code payment, coupons can be uniformly presented to users who make code payments, and benefits corresponding to the coupons can be given at the time of payment, but effective advertisements and information that the store wants to deliver to users can be provided. There is a problem that various kinds of information cannot be presented to the user according to the purchase status of the user.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide an information processing method capable of presenting information to a user according to a purchase situation of the user.

The information processing method according to the first aspect of the present invention receives from a user's terminal executed by a computer a user identifier for identifying the user and store information indicated by a code read by the terminal. Based on the step of receiving payment information from the user's terminal or the store's terminal, the step of executing payment based on the received user identifier and the payment information, and the received information of the store. The step of acquiring the presentation information to be presented to the user, including the information about the store different from the store or the information about the business different from the business operator operating the store, and the acquisition after the payment is executed. It has a step of transmitting the presented information to the user's terminal.

The information processing method according to the second aspect of the present invention is information on a store executed by a computer, which is executed by a computer and is indicated by a user identifier for identifying the user from the user's terminal and a code read by the terminal. , A step of receiving the store information including the business identification information for identifying the business operator operating the store, and a step of receiving payment information from the user's terminal or the store's terminal. Based on the step of executing payment based on the user identifier and the payment information, and the business identification information included in the received information of the store, information about a store different from the store and operating the store. The step of acquiring the presentation information to be presented to the user, including the information about the business different from the business to be used, or the information about the predetermined product or service, and the presented information acquired after the payment is executed, the user. Has a step to send to the terminal.

The information processing method according to the third aspect of the present invention receives from a user's terminal executed by a computer a user identifier for identifying the user and store information indicated by a code read by the terminal. A step of receiving payment information corresponding to the payment of the user at the store from the user's terminal or the terminal of the store, and a step of executing payment based on the received user identifier and the payment information. And, based on the received payment information, a step of acquiring presentation information to be presented to the user, including information on a predetermined store or information on a predetermined business operator, and acquisition after the payment is executed. It has a step of transmitting the presented information to the user's terminal.
In the step of acquiring the presented information, the computer may acquire the presented information based on the purchase price of the goods or services purchased by the user at the store indicated by the received payment information.

The information processing method according to the fourth aspect of the present invention receives from a user's terminal executed by a computer a user identifier for identifying the user and store information indicated by a code read by the terminal. A step of receiving payment information from the user's terminal or the store's terminal, a step of executing payment based on the received user identifier and the payment information, and a step based on the received user identifier. , The step of acquiring the presentation information to be presented to the user, including the information about the predetermined store or the information about the predetermined business, and after the payment is executed, the acquired presentation information is transmitted to the user's terminal. And have steps to do.
In the step of acquiring the presented information, the computer may make a payment based on the code by the user corresponding to the user identifier associated with the received user identifier, the total payment amount of the payment, or the payment total amount. The presentation information may be acquired based on the information of the store.
In the step of acquiring the presentation information, the computer refers to a database in which the information of the store, the product identification information for identifying the product, or the user information as information about the user is associated with each of the plurality of presentation information. Then, the received information of the store, the product identification information related to the payment information, or the presented information associated with the user information specified based on the received user identifier may be acquired.
In the step of acquiring the presentation information, the computer may acquire the advertisement information about the store where the code payment is possible as the presentation information.
In the step of acquiring the presentation information, the computer may acquire the coupon information as the presentation information.
In the step of acquiring the presentation information, the computer may acquire advertising information about another store different from the store as the presentation information based on the position of the store corresponding to the received information of the store.
In the step of acquiring the presentation information, the computer may acquire the advertisement information about the product previously designated by the business operator operating the store corresponding to the received information of the store as the presentation information.
The information processing method according to the fifth aspect of the present invention receives from a user's terminal executed by a computer a user identifier for identifying the user and store information indicated by a code read by the terminal. Corresponds to the step of receiving payment information from the user's terminal or the store's terminal, the step of executing payment based on the received user identifier and the payment information, and the received information of the store. A step of acquiring advertisement information about another store different from the store based on the position of the store as presentation information to be presented to the user, and the presentation information acquired after the payment is executed of the user. It has a step to send to the terminal.
The information processing method according to the sixth aspect of the present invention receives from a user's terminal executed by a computer a user identifier for identifying the user and store information indicated by a code read by the terminal. Corresponds to the step of receiving payment information from the user's terminal or the store's terminal, the step of executing payment based on the received user identifier and the payment information, and the received information of the store. A step of acquiring advertisement information about a product specified in advance by a business operator who operates a store as presentation information to be presented to the user, and transmission of the acquired presentation information to the user's terminal after the payment is executed. And have steps to do.
In the transmission step, the computer may associate the payment completion notification information notifying the completion of the payment with the presented information and transmit the information to the terminal.

According to the present invention, there is an effect that information can be presented to the user according to the purchase situation of the user.

It is a figure which shows the outline of the payment system. It is a figure which shows the functional structure of a payment apparatus. It is a figure which shows an example of an advertisement DB. It is a figure which shows an example of the settlement history DB. It is a figure which shows the functional structure of a user terminal. It is a figure which shows the functional structure of a store terminal. It is an operation sequence diagram of a payment system. It is an operation sequence diagram of the payment system when a store terminal makes a request for acquisition of a payment code before a user purchases a product.

[Overview of payment system S]
FIG. 1 is a diagram showing an outline of the payment system S. When the user purchases a product at the store, the payment system S displays the payment code on the user terminal in response to a request from the user terminal possessed by the user, and the payment code is read by the store. It is a system that makes payments accordingly. The payment code is a text or an image that can be read by the user terminal 2, and is a code used at the time of payment.

The payment system S includes a payment processing device 1, a user terminal 2, and a store terminal 3. The payment processing device 1 is a server that setstles the purchase price. The payment processing device 1 also functions as an information processing device that presents advertisement information as presentation information to the user when the purchase amount is settled. The user terminal 2 is an information terminal used by the user, for example, a smartphone, a tablet, or a personal computer. The store terminal 3 is, for example, a POS terminal.
Hereinafter, the flow until the advertisement information is presented to the user will be described with reference to FIG.

The user moves to the store and purchases a product including the target product at the store. When the user makes an account at the store, the store clerk reads the barcode attached to the product to be purchased on the store terminal 3 and generates payment information on the store terminal 3 indicating the total amount of the products purchased by the user. Let me.

Further, the store clerk performs an operation for displaying the payment code on the store terminal 3 on the store terminal 3. The store terminal 3 transmits a payment code acquisition request, payment information, and store information for identifying the store to the payment processing device 1 ((1) in FIG. 1).

When the payment processing device 1 receives the payment code acquisition request, the payment information, and the store information from the store terminal 3, the payment processing device 1 generates a payment token ((2) in FIG. 1). The payment token is a data string used when the store terminal 3 generates a payment code presented to the user by the store terminal 3. Here, the payment token may be generated only in the case of a specific store specified by the store information. The payment processing device 1 stores the generated payment token, payment information, and store information in a storage medium in association with each other ((3) in FIG. 1).

The payment processing device 1 transmits the generated payment token to the store terminal 3 ((4) in FIG. 1). The payment processing device 1 may transmit the encrypted payment token to the store terminal 3 after encrypting the payment token.

The store terminal 3 generates and displays a payment code based on the received payment token ((5) in FIG. 1).
The user terminal 2 reads the payment code displayed on the store terminal 3 by, for example, the user's operation ((6) in FIG. 1). The user terminal 2 transmits the user ID and the payment token indicated by the read payment code to the payment processing device 1 ((7) in FIG. 1).

When the payment processing device 1 receives the user ID and the payment token from the user terminal 2, it determines whether or not the received payment token matches the payment token transmitted to the store terminal 3. When the payment processing device 1 determines that the payment tokens match, the payment processing device 1 executes the payment processing based on the payment information and the store information stored in association with the received payment token ((8) in FIG. 1). ).

Further, when the payment processing device 1 determines that the payment tokens match, the payment processing device 1 refers to an advertisement DB (database) in which store information, a product ID that identifies a product, or a user ID is associated with each of a plurality of advertisement information. Then, the advertisement information to be presented to the user is acquired ((9) in FIG. 1).

The payment processing device 1 transmits the payment completion information indicating that the payment has been completed and the acquired advertisement information to the user terminal 2 ((10) in FIG. 1). The user terminal 2 displays the received payment completion information and the advertisement information ((11) in FIG. 1).

By operating as described above, the payment system S can present effective advertising information to the user based on the user's purchase status, store visit status, and user ID.
Hereinafter, the details of the configuration of the payment processing device 1, the user terminal 2, and the store terminal 3 will be described.

[Functional configuration of payment processing device 1]
FIG. 2 is a diagram showing a functional configuration of the payment processing device 1. The payment processing device 1 has a communication unit 11, a storage unit 12, and a control unit 13.

The communication unit 11 is a communication interface for transmitting and receiving data to and from the user terminal 2 and the store terminal 3 via a network such as the Internet.

The storage unit 12 is a storage medium for storing various types of data, and includes a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, and the like. The storage unit 12 stores a program executed by the control unit 13. The storage unit 12 stores a payment program that causes the control unit 13 to function as an issuance request acquisition unit 131, a token transmission unit 132, a payment information receiving unit 133, a payment processing unit 134, and an advertisement information transmission unit 135.

Further, the storage unit 12 stores the payment token generated by the control unit 13, the store information acquired from the store terminal 3, and the payment information in association with each other. Further, the storage unit 12 stores the advertisement DB 121 in which the store ID, the product ID that identifies the product, or the user information that is information about the user is associated with each of the plurality of advertisement information.

FIG. 3 is a diagram showing an example of the advertisement DB 121. The advertisement DB 121 is constructed, for example, by a business operator that operates a store corresponding to store information. As shown in FIG. 3, in the advertisement DB 121, it can be confirmed that the store information, the product ID, and the user information are associated with the advertisement information. The advertisement information is, for example, an advertisement image, an advertisement video, and an advertisement text transmitted to the user terminal 2, but is not limited to this, and may be advertisement data including these advertisement images, advertisement videos, and advertisement text. Further, the advertising information is, for example, advertising information related to a product designated in advance by a business operator operating a store corresponding to the store information. By doing so, it is possible to send the advertising information desired by the business operator to the user. Further, the advertisement information may be coupon information.

The store information is information including, for example, a store ID that identifies a store in which a store terminal 3 is installed, and a business ID as business identification information that identifies a business that operates the store. The user information is, for example, a range of the number of payments in which the user has made a code payment, and a range of the total payment amount of the code payment.

As shown in FIG. 3, it is assumed that one store information and one product ID are associated with one advertisement information, but the present invention is not limited to this, and one advertisement information includes a plurality of items. The store information may be associated with a plurality of product IDs.

Further, the storage unit 12 stores the payment history DB 122 showing the history of the user's code payment. FIG. 4 is a diagram showing an example of the settlement history DB 122. As shown in FIG. 4, the code payment history information includes the user ID, the number of times the user has made the code payment, the average amount when the user has made the code payment, and the store of the store where the user has made the code payment. Information associated with information. The store information of the store where the user has made the code payment may be the store information of the store where the number of times the user has made the code payment is relatively large.

The control unit 13 is, for example, a CPU (Central Processing Unit). By executing the payment program stored in the storage unit 12, the control unit 13 executes the issuance request acquisition unit 131, the token transmission unit 132, the payment information receiving unit 133, the payment processing unit 134, and the advertisement information transmission unit 135. Functions as. The details of the operation of each part of the control unit 13 will be described later.

[Functional configuration of user terminal 2]
FIG. 5 is a diagram showing a functional configuration of the user terminal 2. The user terminal 2 has an operation unit 21, a communication unit 22, a reading unit 23, a display unit 24, a storage unit 25, and a control unit 26. The control unit 26 includes an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264.

The operation unit 21 is an operation device that accepts user operations, and is, for example, a touch panel provided on the surface of the display unit 24. The operation unit 21 notifies the operation reception unit 261 of a signal indicating the position touched by the user.

The communication unit 22 is, for example, a wireless communication interface for transmitting / receiving data to / from a base station of a mobile phone network. The communication unit 22 transmits the acquired payment token or the like to the payment processing device 1.

The reading unit 23 is, for example, a camera. The reading unit 23 reads the payment code displayed on the store terminal 3.
The display unit 24 is a display that displays various types of information.

The storage unit 25 is a storage medium including a ROM, RAM, and the like. The storage unit 25 stores a program executed by the control unit 26. The storage unit 25 stores a program that causes the control unit 26 to function as an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264.

The control unit 26 is, for example, a CPU, and functions as an operation reception unit 261, a request transmission unit 262, a token transmission unit 263, and a display control unit 264 by executing a program stored in the storage unit 25.

The operation reception unit 261 specifies the operation content of the user based on the signal input from the operation unit 21. The operation reception unit 261 notifies the token transmission unit 263 of the operation content when the specified operation content is an operation for reading the payment code.

When the operation reception unit 261 receives an operation for reading the payment code, the token transmission unit 263 causes the reading unit 23 to read the payment code displayed on the store terminal 3. The token transmission unit 263 acquires the information extracted from the payment code by the reading unit 23 as a payment token. The token transmission unit 263 transmits the acquired payment token and the user ID to the payment processing device 1 via the communication unit 22.
When the display control unit 264 receives the payment completion information indicating that the payment has been completed and the advertisement information from the payment processing device 1, the display control unit 264 displays these information on the same screen of the display unit 24.

[Functional configuration of store terminal 3]
FIG. 6 is a diagram showing a functional configuration of the store terminal 3. The store terminal 3 has an operation unit 31, a reading unit 32, a communication unit 33, a display unit 34, a storage unit 35, and a control unit 36.

The operation unit 31 is an operation device that accepts the user's operation, for example, a button for selecting a product to be purchased by the user, or a touch panel provided on the surface of the display unit 34.

The reading unit 32 is, for example, a bar code reader, and reads a bar code attached to a product purchased by the user. The reading unit 32 outputs the information indicated by the read barcode to the control unit 36.

The communication unit 33 is, for example, a communication interface for transmitting / receiving data to / from the payment processing device 1. The communication unit 33 transmits a payment code acquisition request, payment information, and store information to the payment processing device 1 according to the control of the control unit 36. Further, the communication unit 33 receives the payment token from the payment processing device 1.

The display unit 34 is a display that displays various types of information. The display unit 34 displays, for example, a payment amount or a payment code.

The storage unit 35 is a storage medium including a ROM, RAM, and the like. The storage unit 35 stores a program executed by the control unit 36. The storage unit 35 stores a program that causes the control unit 36 to function as the payment information generation unit 361, the payment information transmission unit 362, and the code generation unit 363. Further, the storage unit 35 stores a product DB in which the product ID and the price of the product are associated with each other.

The control unit 36 is, for example, a CPU, and functions as a payment information generation unit 361, a payment information transmission unit 362, and a code generation unit 363 by executing a program stored in the storage unit 35.

The payment information generation unit 361 identifies one or more products to be settled and generates payment information. Specifically, the payment information generation unit 361 acquires the product ID input by the clerk in the operation unit 31 or the product ID read from the bar code attached to the product by the reading unit 32, so that the acquired product ID can be obtained. Identify the product as the product to be settled. The payment information generation unit 361 refers to the product DB stored in the storage unit 35, and specifies the price of the product associated with the acquired product ID. The payment information generation unit 361 acquires one or more product IDs input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and obtains the price of the product specified from the product ID. Tally. When the settlement information generation unit 361 receives the settlement operation in the operation unit 31, the settlement information generation unit 361 determines the total price of the product as the settlement amount. The payment information generation unit 361 generates payment information including the determined payment amount and one or more acquired product IDs.

When the payment information generation unit 361 generates payment information, the payment information transmission unit 362 transmits a payment code acquisition request, payment information, and store information to the payment processing device 1 via the communication unit 33.

When the payment token is transmitted from the payment processing device 1, the code generation unit 363 generates a payment code based on the payment token. The code generation unit 363 generates, for example, a payment code based on a predetermined rule. The code generation unit 363 causes the display unit 34 to display the generated payment code.

[Operation of each part of control unit 13]
Subsequently, the operation of each unit of the control unit 13 will be described.
The issuance request acquisition unit 131 issues store information, payment information including an amount corresponding to the payment made by the user at the store, and a payment code for the user of the user terminal 2 to make a payment at the store from the store terminal 3. Get the request and.

When the token transmission unit 132 receives the payment information and the store information from the store terminal 3 and receives the request for acquiring the payment code, the token transmission unit 132 generates a payment token for generating the payment code. The token transmission unit 132 stores the generated payment token, payment information, and store information in the storage unit 12 in association with each other. Further, the token transmission unit 132 transmits the generated payment token to the store terminal 3 that has transmitted the request for acquiring the payment code. The token transmission unit 132 receives the payment information and the store information from the store terminal 3, and also receives the payment code acquisition request. However, the timing of receiving the payment information and the store information and the acquisition of the payment code are received. It may be different from the timing of accepting the request. Further, the token transmission unit 132 may generate a payment token only when the store indicated by the store information is a specific store.

The payment information receiving unit 133 receives the payment token and the user ID from the user terminal 2 that has read the payment code displayed by the store terminal 3 based on the payment token. The payment information receiving unit 133 may receive the payment token and the user ID from the user terminal 2, as well as the store information. For example, the store terminal 3 displays the store information or a code indicating the store information, and the user terminal 2 reads the store information, reads the code, extracts the store information from the code, and obtains the store information. Is transmitted to the payment processing device 1.

When the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match, the payment processing unit 134 stores the payment token in the storage unit 12 in association with the payment token. Make a payment based on the store information and the payment information.

Specifically, the payment processing unit 134 identifies the store information and the payment information in the storage unit 12 in association with the received payment token. The payment processing unit 134 executes a process of withdrawing the payment amount indicated by the specified payment information from the user's account specified by the user ID received together with the payment token. The payment processing unit 134 executes a process of depositing the payment amount into the account of the store specified by the specified store information. The settlement processing unit 134 may deposit an amount obtained by subtracting the settlement fee in the settlement processing device 1 from the settlement amount into the store account. When the payment of the payment amount is completed, the payment processing unit 134 notifies the store terminal 3 that the payment is completed. Further, the payment processing unit 134 stores the purchase history of the user in the store, including the store information and the user ID, in the storage unit 12 in response to the completion of the payment.

The advertisement information transmitting unit 135 receives the user ID or the received payment token when the payment token stored in the storage unit 12 and the payment token received by the payment information receiving unit 133 match. Based on the store information or payment information stored in the storage unit 12 in association with the above, the advertisement information to be presented to the user is acquired. When the advertisement information transmitting unit 135 acquires the advertisement information based on the store information stored in the storage unit 12 in association with the payment token, the advertisement information presented to the user is different from the store in which the user makes the payment. Information about, information about a business operator different from the business operator that operates the store where the user makes a payment, or advertising information including information about a predetermined product or service. When the advertisement information transmission unit 135 acquires the advertisement information based on the payment information stored in the storage unit 12 in association with the payment token or the received user ID, the advertisement information transmission unit 135 is a predetermined store as the advertisement information to be presented to the user. Acquires advertising information including information about a given business, information about a given business, or information about a given product or service.

Specifically, the advertisement information transmitting unit 135 refers to the advertisement DB 121 in which the store ID, the product ID, or the user information as information about the user is associated with each of the plurality of advertisement information, and receives the received store information or payment information. Or, the advertisement information associated with the user information specified based on the user ID related to the received payment token is acquired.

For example, when the advertisement information transmitting unit 135 acquires the advertisement information based on the store information, the advertisement information transmitting unit 135 refers to the advertisement DB 121 and the advertisement information associated with the business code included in the store information corresponding to the received payment token. To get. By doing so, the advertisement information transmission unit 135 can acquire the advertisement information desired to be distributed by the business operator operating the store in which the store terminal 3 is installed.

Further, when the advertisement information transmission unit 135 acquires the advertisement information based on the user information, the advertisement information transmission unit 135 refers to the advertisement DB 121 and the payment history DB 122, and the number of payments and the total payment included in the user information associated with the received user ID. Advertising information may be acquired based on the amount and the store information corresponding to the received payment token. Specifically, the advertisement information transmitting unit 135 refers to the payment history DB 122, and the number of payments associated with the user ID received by the payment information receiving unit 133, the average of the total payment amount, or the store of the store where the payment was made. Identify the information. Then, the advertisement information transmission unit 135 refers to the advertisement DB 121, and acquires the advertisement information corresponding to the specified number of payments, the average of the total payment amount, or the store information of the store that has settled. For example, the advertisement information transmitting unit 135 acquires advertisement information corresponding to a specific store or business operator to a user who has a large number of payments and a user who has a large balance. By doing so, the advertisement information transmission unit 135 can acquire effective advertisement information for the user based on the user's action history.

Further, the advertisement information transmitting unit 135 may acquire advertisement information based on the purchase price of the product or service indicated by the payment information corresponding to the payment token received by the payment information receiving unit 133. For example, the advertisement information transmitting unit 135 refers to the advertisement DB 121, and acquires the advertisement information including the purchase amount of the product or service indicated by the payment information corresponding to the received payment token within the range of the total payment amount of the code payment. May be good. Further, the advertisement information transmitting unit 135 may acquire different advertisement information between a high-priced purchaser whose payment amount is higher than the first amount and a low-priced purchaser whose payment amount is lower than the second amount, or the high amount. Only the purchaser may acquire specific advertising information (for example, a store campaign advertisement). When a plurality of advertisement information can be acquired, the advertisement information transmission unit 135 may narrow down the advertisement information corresponding to the store information and the product ID included in the payment request. By doing so, the advertisement information transmission unit 135 can acquire effective advertisement information for the user based on the purchase price of the user.

Further, the advertisement information transmission unit 135 may acquire advertisement information based on the purchase status of the user and the product or service purchased by another user different from the user. For example, when the advertisement information transmission unit 135 acquires advertisement information based on the purchase status of the product or service purchased by the user, the advertisement information transmission unit 135 refers to the advertisement DB 121 and is an advertisement associated with the product ID included in the payment information. Get information. By doing so, the advertisement information transmission unit 135 can acquire the advertisement information corresponding to the product purchased by the user.

Further, when the advertisement information transmission unit 135 acquires the advertisement information based on the purchase status of the product or service purchased by another user different from the user, the advertisement information transmission unit 135 identifies another user whose attributes are similar to those of the user. You may. In this case, the storage unit 12 stores the user attribute information in which the user ID and the user's attribute are associated with each other. The advertisement information transmitting unit 135 refers to the user attribute information, and identifies the user ID of another user whose attributes are similar to the user of the user ID associated with the payment token received by the payment information receiving unit 133. The advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires the advertisement information associated with the product ID of the product or service purchased by the user corresponding to the specified other user ID. By doing so, it is highly possible that the user is also interested in the product purchased by another user whose attributes are similar to those of the user. Therefore, the advertisement information transmission unit 135 can acquire effective advertisement information for the user.

Further, the advertisement information transmission unit 135 may acquire advertisement information about a store where code payment can be performed by the payment processing device 1. For example, the storage unit 12 stores the code payment correspondence information in which the store information is associated with the information indicating whether or not the code payment by the payment processing device 1 is possible in the store of the store information. The advertisement information transmission unit 135 refers to the code payment correspondence information and specifies the store information of the store where the code payment by the payment processing device 1 is possible. Then, the advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires the advertisement information associated with the specified store information. In this case, the advertisement information transmission unit 135 may narrow down the advertisement information to be acquired based on the business operator ID constituting the store information corresponding to the received payment token. By doing so, the advertisement information transmitting unit 135 can present the advertisement information about the store where the code payment by the payment processing device 1 is possible to the user, which contributes to the spread of the code payment by the payment processing device 1. be able to.

Further, the advertisement information transmitting unit 135 may acquire advertisement information about another store different from the store based on the position of the store corresponding to the received store information. For example, the storage unit 12 stores the store information and the store location information indicating the location of the store information in association with each other. The advertisement information transmitting unit 135 identifies other store information existing near the position of the store information included in the payment request received by the payment information receiving unit 133. Here, the advertisement information transmitting unit 135 may specify other store information operated by the same business as the store information included in the payment request received by the payment information receiving unit 133. The store information included in the advertisement DB 121 includes store information including the same business ID as the business ID included in the store information included in the payment request received by the payment information receiving unit 133. The advertisement information transmission unit 135 refers to the advertisement DB 121, and has a business ID included in the store information included in the received payment request and a store ID different from the store ID included in the store information included in the received payment request. The store information composed of, is specified as other store information operated by the same business operator as the store information included in the received payment request.

Then, the advertisement information transmitting unit 135 refers to the advertisement DB 121 and specifies the advertisement information associated with the specified store information as the advertisement information corresponding to the nearby store at the position of the store corresponding to the received store information. .. By doing so, the advertisement information transmission unit 135 is operated by the same business operator as the business operator of the store where the user made the code payment, and can present the advertisement information of another store different from the store to the user. can.

Further, the advertisement information transmission unit 135 may acquire advertisement information based on the position of the user corresponding to the user ID related to the payment token. For example, the storage unit 12 stores the store information in association with the store position information indicating the position of the store information, and also stores the user ID and the terminal position information indicating the position of the user terminal 2 corresponding to the user ID. And memorize it in association with. The advertisement information transmitting unit 135 refers to the storage unit 12 and acquires the terminal position information associated with the user ID received by the payment information receiving unit 133. The advertisement information transmission unit 135 identifies the store information associated with the store position information indicating a position relatively close to the position indicated by the acquired terminal position information. The advertisement information transmission unit 135 refers to the advertisement DB 121 and acquires the advertisement information associated with the specified store information. By doing so, the advertisement information transmitting unit 135 can present the advertisement information corresponding to the store close to the user's position to the user.

The advertisement information transmitting unit 135 associates the payment completion information indicating that the payment has been completed with the acquired advertisement information and transmits the acquired advertisement information to the user terminal 2, and the payment completion information and the advertisement information are the same as the user terminal 2. Display on the screen. By doing so, the advertisement information transmitting unit 135 can increase the possibility that the user visually recognizes the advertisement information.

The advertisement information transmission unit 135 stores the acquisition history of advertisement information to the user terminal 2 including the acquired advertisement information and the store information associated with the advertisement information in the advertisement DB 121 in the storage unit 12. You may do it. Then, the control unit 13 of the payment processing device 1 functions as an effect measuring unit, and the purchase history and advertisement information in the user's store, including the store information and the user ID, stored in the storage unit 12 by the payment processing unit 134. The effect of the advertisement information transmitted by the advertisement information transmission unit 135 may be measured based on the transmission history stored in the storage unit 12 by the transmission unit 135.

[Operation sequence]
FIG. 7 is an operation sequence diagram of the payment system S.
The sequence diagram shown in FIG. 7 starts from the point where the user selects a product to be purchased at the store and brings the selected product to the clerk who uses the store terminal 3. The payment information generation unit 361 of the store terminal 3 acquires the product ID input by the clerk in the operation unit 31 or the product ID read from the barcode attached to the product by the reading unit 32, and is associated with the product ID. The settlement amount is calculated by specifying the price of the product. The payment information generation unit 361 generates payment information including the payment amount (S1).

The payment information transmission unit 362 transmits a payment code acquisition request, the generated payment information, and store information to the payment processing device 1 (S2).
When the token transmission unit 132 of the payment processing device 1 acquires the payment code acquisition request, the payment information, and the store information, the token transmission unit 132 generates a payment token for generating the payment code (S3). The token transmission unit 132 stores the generated payment token, payment information, and store information in the storage unit 12 in association with each other (S4). The token transmission unit 132 transmits the generated payment token to the store terminal 3 that has transmitted the payment code acquisition request (S5).

The code generation unit 363 of the store terminal 3 generates a payment code based on the payment token received from the payment processing device 1, and causes the display unit 34 to display the generated payment code (S6). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S7). The token transmission unit 263 of the user terminal 2 transmits the payment token obtained from the payment code and the user ID to the payment processing device 1 (S8).

Subsequently, the payment information receiving unit 133 receives the payment token and the user ID from the user terminal 2. When the payment token stored in the storage unit 12 and the received payment token match, the payment processing unit 134 is stored in the storage unit 12 in association with the received user ID and the received payment token. Settlement processing is performed based on the existing store information and payment information (S9).

When the payment token stored in the storage unit 12 and the received payment token match, the advertisement information transmission unit 135 may store store information or store information stored in the storage unit 12 in association with the payment token. The advertisement information to be presented to the user is acquired based on the payment information or the received user ID (S10). Then, the advertisement information transmission unit 135 transmits the payment completion information indicating that the payment has been completed and the acquired advertisement information to the user terminal 2 (S11).
The display control unit 264 of the user terminal 2 causes the display unit 24 to display the payment completion information and the advertisement information received from the payment processing device 1 (S12).

[Modification 1]
In the above description, the store terminal 3 makes a request for acquisition of the payment code to the payment processing device 1 when the user purchases the product, but the present invention is not limited to this. For example, in a store where only products with the same amount of money are handled and the purchase amount of the user's product is constant, the store terminal 3 acquires payment information and a payment code before the user purchases the product. The request may be transmitted to the payment processing device 1 in advance.

FIG. 8 is an operation sequence diagram of the payment system S when the store terminal 3 requests the acquisition of the payment code before the user purchases the product.

As shown in FIG. 8, first, the payment information transmission unit 362 transmits a payment code acquisition request, payment information, and store information to the payment processing device 1 (S21).
When the token transmission unit 132 of the payment processing device 1 receives the payment information, the store information, and the acquisition request of the payment code from the store terminal 3, the token transmission unit 132 generates a payment token (S22). The token transmission unit 132 stores the generated payment token, payment information, and store information in the storage unit 12 in association with each other (S23). Further, the token transmission unit 132 transmits the generated payment token to the store terminal 3 that has transmitted the payment code acquisition request (S24).

When the code generation unit 363 receives the payment token from the payment processing device 1, the code generation unit 363 stores the payment token in the storage unit 35 (S25).

At the store, the user selects a product to be purchased and brings the selected product to a clerk who uses the store terminal 3. Here, as described above, in the store, only the products having the same amount of money are handled, and the purchase amount of the user is always constant regardless of the type of the product. Therefore, the code generation unit 363 of the store terminal 3 is stored in the storage unit 35. A payment code based on the stored payment token is generated, and the generated payment code is displayed on the display unit 34 (S26). The user operates the user terminal 2 to cause the user terminal 2 to read the payment code displayed on the store terminal 3 (S27). The token transmission unit 263 of the user terminal 2 transmits the payment token obtained from the payment code and the user ID to the payment processing device 1 (S28).

The payment information receiving unit 133 receives the payment token and the user ID from the user terminal 2. After that, the payment processing unit 134 and the advertisement information transmission unit 135 perform the same processing as the processing of S9 to S12 shown in FIG. 7 to give the user a privilege (S29 to S32).

In this sequence, the payment information transmission unit 362 transmits the payment code acquisition request, the payment amount, and the store information to the payment processing device 1, and the token transmission unit 132 generates the payment token and the payment token. It was decided to associate the received payment amount with the store information and store it in the storage unit 12, but the present invention is not limited to this. For example, when the user performs an operation of reading the payment code, the user terminal 2 may accept the input of the payment amount. In this case, the payment information transmission unit 362 transmits the payment code acquisition request and the store information to the payment processing device 1 without transmitting the payment amount, and the token transmission unit 132 together with the generated payment token. The stored store information may be associated with the received store information and stored in the storage unit 12. Then, the token transmission unit 263 of the user terminal 2 receives the payment amount from the user, and the payment processing device 1 receives the payment token obtained from the read payment code, the user ID, and the payment information including the received payment amount. You may send it to. The payment processing unit 134 stores the payment information receiving unit 133 in association with the payment token in the storage unit 12 in response to receiving the payment token, the user ID, and the payment information from the user terminal 2. Payment is made based on the stored store information and the received user ID and payment information.

Further, in this sequence, when the user purchases a product, the code generation unit 363 generates a payment code based on the payment token stored in the storage unit 35 and displays it on the display unit 34. , Not limited to this. Instead of displaying the payment code on the store terminal 3, the store clerk of the store terminal 3 prints the payment code on paper or the like in advance, and when the user purchases the product, the payment code is printed on the paper or the like. The code may be presented to the user.

[Modification 2]
Further, the payment processing device 1 displays the payment completion information and the advertisement information on the same screen of the user terminal 2, but the present invention is not limited to this. When the payment processing device 1 displays the payment code on the store terminal 3, the advertisement information may also be displayed on the store terminal 3. In this case, the advertisement information transmission unit 135 acquires the advertisement information based on the store information or the payment information acquired by the issuance request acquisition unit 131 together with the issuance request of the payment code, and stores the advertisement information together with the payment token. It may be transmitted to the terminal 3 and displayed on the store terminal 3. Further, the advertisement information transmission unit 135 may include information for displaying the advertisement information in the payment token. Then, the store terminal 3 displays the payment code including the information for displaying the advertisement information, and when the user terminal 2 reads the payment code, the advertisement information included in the payment code is displayed. May be good.

[Modification 3]
Further, the payment processing device 1 acquires the advertisement information at the timing when the payment request is received, but the present invention is not limited to this. The payment processing device 1 refers to the advertisement DB 121 at the timing when the issuance request acquisition unit 131 acquires the store information and the payment information together with the payment code acquisition request, and acquires one or more advertisement information based on the store information and the payment information. You may. Then, the payment processing device 1 may acquire the advertisement information to be transmitted to the user terminal 2 from the acquired advertisement information based on the user ID received together with the payment request at the timing when the payment request is received.

[Effect of payment system S]
As described above, the payment processing device 1 receives store information, payment information including an amount corresponding to the payment performed by the user at the store, and a request for issuing a payment code for payment from the store terminal 3. Upon acquisition, the acquired store information, the payment information, and the payment token for generating the payment code are associated and stored in the storage unit 12, and the payment token is transmitted to the store terminal 3. The payment processing device 1 receives the payment token and the user ID from the user terminal 2 that has read the payment code displayed by the store terminal 3 based on the transmitted payment token. The payment processing device 1 acquires the advertisement information presented to the user based on the received user ID or the store information or payment information stored in the storage unit 12, and transmits the advertisement information to the user terminal 2. By doing so, the payment processing device 1 can present information to the user according to the purchase status of the user.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist. be. For example, the specific embodiment of the distribution / integration of the device is not limited to the above embodiment, and all or a part thereof may be functionally or physically distributed / integrated in any unit. Can be done. Also included in the embodiments of the present invention are new embodiments resulting from any combination of the plurality of embodiments. The effect of the new embodiment produced by the combination has the effect of the original embodiment together.

1 Settlement device 2 User terminal 3 Store terminal 11 Communication unit 12 Storage unit 13 Control unit 21 Operation unit 22 Communication unit 23 Reading unit 24 Display unit 25 Storage unit 26 Control unit 31 Operation unit 32 Reading unit 33 Communication unit 34 Display unit 35 Storage unit Unit 36 Control unit 121 Advertising DB
122 Payment history DB
131 Issuance request acquisition unit 132 Token transmission unit 133 Payment information reception unit 134 Payment processing unit 135 Advertising information transmission unit 261 Operation reception unit 262 Request transmission unit 263 Token transmission unit 264 Display control unit 361 Payment information generation unit 362 Target product identification unit 363 Payment information transmission unit 364 Code generation unit

Claims (14)

Computer runs,
A step of receiving a user identifier for identifying the user and store information indicated by a code read by the terminal from the user's terminal.
The step of receiving payment information from the user's terminal or the store's terminal,
A step of executing payment based on the received user identifier and the payment information, and
A step of acquiring presentation information to be presented to the user, including information about a store different from the store or information about a business operator different from the business operator operating the store, based on the received information of the store.
After the payment is executed, the step of transmitting the acquired presented information to the user's terminal, and
Information processing method with. Computer runs,
From the user's terminal, the user identifier for identifying the user and the store information indicated by the code read by the terminal, including the business identification information for identifying the business operator operating the store. The step of receiving the store information and
The step of receiving payment information from the user's terminal or the store's terminal,
A step of executing payment based on the received user identifier and the payment information, and
Based on the business identification information included in the received information of the store, information on a store different from the store, information on a business different from the business operating the store, or information on a predetermined product or service. And the step of acquiring the presentation information to be presented to the user, including
After the payment is executed, the step of transmitting the acquired presented information to the user's terminal, and
Information processing method with. Computer runs,
A step of receiving a user identifier for identifying the user and store information indicated by a code read by the terminal from the user's terminal.
A step of receiving payment information corresponding to payment at the store of the user from the terminal of the user or the terminal of the store, and
A step of executing payment based on the received user identifier and the payment information, and
A step of acquiring presentation information to be presented to the user, including information about a predetermined store or information about a predetermined business operator, based on the received payment information.
After the payment is executed, the step of transmitting the acquired presented information to the user's terminal, and
Information processing method with. In the step of acquiring the presented information, the computer acquires the presented information based on the purchase price of the goods or services purchased by the user at the store indicated by the received payment information.
The information processing method according to claim 3. Computer runs,
A step of receiving a user identifier for identifying the user and store information indicated by a code read by the terminal from the user's terminal.
The step of receiving payment information from the user's terminal or the store's terminal,
A step of executing payment based on the received user identifier and the payment information, and
A step of acquiring presentation information to be presented to the user, including information about a predetermined store or information about a predetermined business operator, based on the received user identifier.
After the payment is executed, the step of transmitting the acquired presented information to the user's terminal, and
Information processing method with. In the step of acquiring the presented information, the computer may make a payment based on the code by the user corresponding to the user identifier associated with the received user identifier, the total payment amount of the payment, or the payment total amount. Acquire the presentation information based on the store information,
The information processing method according to claim 5. In the step of acquiring the presentation information, the computer refers to a database in which the information of the store, the product identification information for identifying the product, or the user information as information about the user is associated with each of the plurality of presentation information. Then, the received information of the store, the product identification information related to the payment information, or the presented information associated with the user information specified based on the received user identifier is acquired.
The information processing method according to any one of claims 1 to 6. In the step of acquiring the presentation information, the computer acquires the advertisement information about the store where the code payment is possible as the presentation information.
The information processing method according to any one of claims 1 to 7. In the step of acquiring the presentation information, the computer acquires the coupon information as the presentation information.
The information processing method according to any one of claims 1 to 8. In the step of acquiring the presentation information, the computer acquires advertising information about another store different from the store as the presentation information based on the position of the store corresponding to the received information of the store.
The information processing method according to any one of claims 1 to 9. In the step of acquiring the presentation information, the computer acquires the advertisement information regarding the product previously designated by the business operator operating the store corresponding to the received information of the store as the presentation information.
The information processing method according to any one of claims 1 to 10. Computer runs,
A step of receiving a user identifier for identifying the user and store information indicated by a code read by the terminal from the user's terminal.
The step of receiving payment information from the user's terminal or the store's terminal,
A step of executing payment based on the received user identifier and the payment information, and
A step of acquiring advertisement information about another store different from the store based on the position of the store corresponding to the received information of the store as presentation information to be presented to the user.
After the payment is executed, the step of transmitting the acquired presented information to the user's terminal, and
Information processing method with. Computer runs,
A step of receiving a user identifier for identifying the user and store information indicated by a code read by the terminal from the user's terminal.
The step of receiving payment information from the user's terminal or the store's terminal,
A step of executing payment based on the received user identifier and the payment information, and
A step of acquiring advertisement information about a product specified in advance by a business operator operating a store corresponding to the received information of the store as presentation information to be presented to the user.
After the payment is executed, the step of transmitting the acquired presented information to the user's terminal, and
Information processing method with. In the transmission step, the computer associates the payment completion notification information notifying the completion of the payment with the presented information and transmits the information to the terminal.
The information processing method according to any one of claims 1 to 13.

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