JP2025028660A - Payment device, payment system, payment method, and program - Google Patents

Abstract

To provide a settlement device allowing users to automatically invest in stocks of affiliated stores used by users and expand a range of choices of stocks to invest, settlement system, settlement method and program.SOLUTION: A settlement device comprises an acquisition part for acquiring settlement information including a settlement amount of electronic settlement from a store terminal device installed in a store or a user terminal device owned by the user when the user purchases a product in the store; and a processing part for executing settlement processing based on the settlement amount according to the settlement information, and executing processing to grant a stock of an affiliated store to which the store belongs, to the user as a reward for purchasing the product.SELECTED DRAWING: Figure 4

Description

The present invention relates to a payment device, a payment system, a payment method, and a program.

A fund management support system has been proposed that supports users in using the change they receive when paying in commercial transactions for fund management (Patent Document 1). This fund management support system requires the user to agree to use the change they receive during a certain period of time for fund management every time that period of time passes.

JP 2018-97856 A

However, the fund management support system described in Patent Document 1 cannot automatically invest in stocks of affiliated stores that users use, so users may have limited options for stocks to invest in.

The present invention was made in consideration of these circumstances, and one of its objectives is to provide a payment device, payment system, payment method, and program that allows users to automatically invest in stocks of affiliated stores they use, thereby expanding the range of stock options available to them.

One aspect of the present invention is a payment device that includes an acquisition unit that acquires payment information, including an electronic payment amount, from a store terminal device installed in the store or a user terminal device owned by the user when the user purchases a product at a store, and a processing unit that performs a payment process based on the payment amount in accordance with the payment information and a process to grant the user shares in the affiliated store to which the store belongs as a reward for purchasing the product.

According to one aspect of the present invention, it is possible to provide a payment device, a payment system, a payment method, and a program that enable a user to automatically invest in stocks of affiliated stores that the user has used, thereby expanding the range of options for stocks to invest in.

FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. FIG. 1 is a sequence diagram (part 1) illustrating an example of a general flow of electronic payment. FIG. 2 is a sequence diagram (part 2) illustrating an example of a general flow of electronic payment. FIG. 2 is a configuration diagram of a payment server 100. FIG. 11 is a diagram showing an example of the contents of user information 172. FIG. 13 is a diagram showing an example of the contents of affiliated store/store information 176. FIG. 2 is a configuration diagram of an investment company server 200. FIG. 13 is a diagram showing an example of the contents of investment information 272. FIG. 13 is a diagram showing an example of the contents of stock information 274. FIG. 3 is a diagram showing the configuration of a credit card company server 300. FIG. 13 is a diagram showing an example of the contents of card information 372. FIG. 13 is a diagram showing an example of a remuneration setting screen IM1 of a payment application 20. FIG. 13 is a diagram showing an example of a top-up amount setting screen IM2 of the payment application 20. FIG. 11 is a sequence diagram showing the flow of a payment process. FIG. 13 is a diagram showing an example of a payment completion screen IM3 of a payment application 20. FIG. 13 is a diagram showing an example of an owned assets confirmation screen IM4 of a payment application 20. 13 is a flowchart showing an example of a process performed by the payment server 100.

Below, with reference to the drawings, an embodiment of the payment device, payment system, payment method, and program of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as the "payment server," "investment company server," and "credit card company server" that will appear below, may be realized by a group of distributed devices, and the business operators who operate each device may be different. In addition, the owner of the hardware of the device (the provider of the cloud server) and the business operator who actually operates it may also be different. The application program and the payment device work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application, and the payment device is referred to as a payment server. In addition, the combination of the payment application and the payment server may be referred to as a payment system. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. The store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. The virtual store may include one provided by an entity other than the operator of the electronic payment service. In that case, when making a payment for shopping at the virtual store, the screen is controlled to transition to the interface screen of the electronic payment service. In electronic payment services, stores are treated as belonging to, for example, affiliated stores (brands), and when a purchase is made at a store, processing such as payment is primarily carried out between the user and the affiliated store. Alternatively, processing such as payment may be carried out between the user and the store.

[Electronic payment service]
1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, an investment company server 200, and a credit card company server 300 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, the components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store, and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, etc. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image equivalent to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device to the payment server 100 via the affiliated store server. In the following explanation, no distinction is made between these two, and it is assumed that the payment information is sent from the first store terminal device 50.

The investment company server 200 is a device operated by an investment company for providing investment services to users. The investment services provided by the investment company server 200 may be, for example, services for trading stocks, investment trusts, ETFs (Exchange Traded Funds), REITs (Real Estate Investment Trusts), government bonds, gold, platinum, and foreign exchange.

When the user's electronic money balance is insufficient, the payment server 100 performs an auto-charge to automatically charge the electronic money in cooperation with a pre-set partner. The partner may be a credit card company, a bank, etc. In the following explanation, as an example, the payment server 100 performs the auto-charge in cooperation with a credit card company.

The credit card company server 300 is a device operated by a credit card company to manage credit card payments. For example, when the charge balance of electronic money used for electronic payments becomes low, the payment server 100 and the credit card company server 300 work together to perform an auto-charge of the electronic money. Details of the auto-charge will be described later.

Figures 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: pattern 1 and pattern 2.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which information capable of identifying the store is added, and is associated with the affiliated store ID, store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the procedure in which the user inputs the payment amount is omitted, and the first payment information is transmitted to the payment server 100 with the information on the payment amount included. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment app 20 is started, when a payment operation is performed in the payment app 20, when the automatic update timing (for example, every minute) occurs, and at other timings, the payment app 20 sends a request to issue a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image such as a QR code (registered trademark) or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image using an optical reading function and obtains the one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). The payment server 100 then sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

Note that electronic payment may be made using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Payment server]
4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, a setting unit 150, an acquisition unit 160, and a storage unit 170. The payment content providing unit 120, the payment processing unit 130, the information management unit 140, the setting unit 150, and the acquisition unit 160 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as a hard disk drive (HDD) or flash memory (a storage device with a non-transient storage medium), or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and affiliated store/shop information 176.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 120 reads out necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the aforementioned payment information and the like to the payment server 100.

The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a deferred payment setting, a deferred payment limit, a deferred payment usage amount, a deferred payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information, points, a type of reward, and a calculation method of the top-up amount, and other information associated with the user information. The user URL is used for remittance processing between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). The email address, and the name, address, and date of birth are also information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

The charge balance is information indicating the balance of electronic money that is set by the user by transferring money to the account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. In the figure, only one deferred payment limit is shown, but in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be described later. The payment method setting is setting information indicating whether the user will make electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. The charge history information is a history of the user transferring funds to the electronic payment service in advance to increase the charge balance. The payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

Points are a value that can be used as electronic money, and may have a value of, for example, 1 point = 1 yen. The reward type is information that indicates the type of reward that will be given to the user in conjunction with the purchase of a product. The reward type is set to stocks or points. The calculation method of the added amount is information that indicates the calculation method of the amount that will be added to the purchase of stocks when stocks are awarded to the user. Details of this information will be described later.

Figure 6 is a diagram showing an example of the contents of affiliated store/store information 176. Affiliated store/store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this information, affiliated store/store information 176 may also include information such as the affiliated store or store category, the store's location, and payment patterns.

The information management unit 140 manages the user information 172 and the affiliated store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records, edits, deletes, etc. for the user information 172 and the affiliated store/store information 176.

The setting unit 150 sets either stocks or points as a reward for purchasing a product. Details of the setting process by the setting unit 150 will be described later. The acquisition unit 160 acquires payment information, including the electronic payment amount, from the first store terminal device 50 or the user terminal device 10 when a user purchases a product at a store.

[Electronic Payment]
When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, but an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as the creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for deferred payment is settled on the payment date of the following month in a lump sum for one month, for example, by debiting from a bank account. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[Investment Company Server]
FIG. 7 is a configuration diagram of the investment company server 200. The investment company server 200 includes, for example, a communication unit 210, an investment processing unit 220, and a storage unit 270. The investment processing unit 220 is realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium), and may be installed in the storage device by mounting the storage medium in a drive device.

The communication unit 210 is a communication interface for connecting to the network NW. The communication unit 210 is, for example, a network interface card.

The storage unit 270 is a HDD, flash memory, RAM, etc. The storage unit 270 may be a NAS device that the investment company server 200 can access via a network. The storage unit 270 stores information such as investment information 272 and stock information 274.

Figure 8 is a diagram showing an example of the contents of investment information 272. Investment information 272 is information about a user's investments, and is information that corresponds to information such as an account ID, user name, and assets held. The account ID is information for identifying the user's account, and may be the same information as the account ID in user information 172. The user name is information indicating the user's name. Assets held is information about the user's assets held by stock.

Figure 9 is a diagram showing an example of the contents of stock information 274. Stock information 274 is information about the stocks of affiliated stores, and is, for example, information that is associated with the affiliated store ID, the affiliated store name, and the stock code. The affiliated store ID is information for identifying the affiliated store, and may be the same information as the affiliated store ID in the affiliated store/store information 176. The affiliated store name is information that indicates the name of the affiliated store (brand). The stock code is code information that is assigned to the stock brand of the affiliated store that is listed on the stock market.

[Credit card company server]
FIG. 10 is a configuration diagram of the credit card company server 300. The credit card company server 300 includes, for example, a communication unit 310, a card processing unit 320, and a storage unit 370. The card processing unit 320 is realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium), and may be installed in the storage device by mounting the storage medium in a drive device.

The communication unit 310 is a communication interface for connecting to the network NW. The communication unit 310 is, for example, a network interface card.

The storage unit 370 is a HDD, flash memory, RAM, etc. The storage unit 370 may be a NAS device that the credit card company server 300 can access via a network. The storage unit 370 stores information such as card information 372.

Figure 11 is a diagram showing an example of the contents of card information 372. Card information 372 is information about a credit card, and is associated with information such as a card number, a user name, an expiration date, a security code, and a usage history. The card number is information indicating the credit card number. The user name is information indicating the name of the credit card owner. The expiration date is information indicating the expiration date of the credit card. The security code is information indicating a number printed on the back of the credit card to prevent fraudulent use. The usage history is information about the credit card usage history, and includes information such as the date and time of use, the payment amount, and the store used.

[Reward Settings]
12 is a diagram showing an example of a reward setting screen IM1 of the payment application 20. In this embodiment, when a user purchases a product through electronic payment, a reward for the product purchase is given to the user. The reward given to the user is stocks or points.

As shown in FIG. 12, the reward setting screen IM1 of the payment app 20 includes multiple buttons B11 to B14. Button B11 is a button for selecting stocks as a reward. Button B12 is a button for selecting points as a reward. Button B13 is a button for confirming the selection of stocks or points. Button B14 is a button for canceling the selection of stocks or points.

The user can select the type of reward by selecting button B11 or button B12. The user terminal device 10 transmits information about the type of reward set on the reward setting screen IM1 of the payment app 20 to the payment server 100 together with the user's account ID. The communication unit 110 of the payment server 100 receives the information about the type of reward and the user's account ID transmitted from the user terminal device 10. The setting unit 150 of the payment server 100 updates the type of reward in the user information 172 based on the information received by the communication unit 110.

In this way, the setting unit 150 sets either stocks of the affiliated store or points that can be used as electronic money as a reward for purchasing a product. Furthermore, when stocks of the affiliated store are set as a reward for purchasing a product, the payment processing unit 130 calculates a reward amount based on the payment amount and performs processing for granting the user stocks of the affiliated store in an amount corresponding to the reward amount. The details of the processing for granting the user stocks of the affiliated store in an amount corresponding to the reward amount will be described later. On the other hand, when points are set as a reward for purchasing a product, the payment processing unit 130 calculates a reward amount based on the payment amount and performs processing for granting the user points in an amount corresponding to the reward amount. For example, the payment processing unit 130 adds points in an amount corresponding to the reward amount to the points in the user information 172. In this way, points that can be used as stocks of the affiliated store or electronic money can be granted to the user as a reward for purchasing a product.

Figure 13 is a diagram showing an example of the top-up amount setting screen IM2 of the payment application 20. As shown in Figure 13, the top-up amount setting screen IM2 of the payment application 20 includes a number of buttons B21 to B27. Button B21 is a button for selecting not to set a top-up amount. Button B22 is a button for setting an amount that is a predetermined percentage of the user's electronic money balance as the top-up amount. Here, the "predetermined percentage of the user's electronic money balance" is set based on a numerical value entered in the input area AR22. Button B23 is a button for setting an amount that is a predetermined percentage of the points owned by the user as the top-up amount. Here, the "predetermined percentage of the points owned by the user" is set based on a numerical value entered in the input area AR23. Button B24 is a button for setting an amount that is a predetermined percentage of the payment amount as the top-up amount. Here, the "predetermined percentage of the payment amount" is set based on a numerical value entered in the input area AR24. Button B25 is a button for setting a preset amount as the add-on amount. Here, the "preset amount" is set based on the numerical value entered in input area AR25. Button B26 is a button for confirming the setting of the add-on amount. Button B27 is a button for canceling the setting of the add-on amount.

The user can set the calculation method for the surcharge amount by selecting one of the multiple buttons B21 to B25 and inputting a numerical value in one of the multiple input fields AR22 to AR25. The user terminal device 10 transmits information on the calculation method for the surcharge amount set on the surcharge amount setting screen IM2 of the payment app 20 to the payment server 100 together with the user's account ID. The communication unit 110 of the payment server 100 receives the information on the calculation method for the surcharge amount and the user's account ID transmitted from the user terminal device 10. The setting unit 150 of the payment server 100 updates the calculation method for the surcharge amount in the user information 172 based on the information received by the communication unit 110.

When granting shares of an affiliated store to a user, the payment processing unit 130 of the payment server 100 performs processing to purchase additional shares of the affiliated store for a specified add-on amount and grant the additional shares to the user. Specifically, based on the calculation method of the add-on amount in the user information 172, the payment processing unit 130 calculates the add-on amount as a specified percentage of the user's electronic money balance, a specified percentage of the points owned by the user, a specified percentage of the payment amount, or a specified amount set in advance. The payment processing unit 130 also purchases additional shares of the affiliated store for the calculated add-on amount and grants them to the user. This makes it easy to purchase additional shares of the affiliated store to which the store where the product was purchased belongs.

[Sequence diagram]
14 is a sequence diagram showing the flow of the payment process. First, the acquisition unit 160 of the payment server 100 acquires payment information including the payment amount from the first store terminal device 50 or the user terminal device 10 (S20). As described above, the acquisition unit 160 acquires the payment information from the user terminal device 10 in the case of a user scan, and acquires the payment information from the first store terminal device 50 in the case of a store scan.

Next, the payment processing unit 130 of the payment server 100 performs electronic payment for the product purchase (S21). Specifically, the payment processing unit 130 subtracts the payment amount from the charge balance in the user information 172. The payment processing unit 130 also adds the payment amount to the sales of the affiliated store to which the store where the product purchase was made belongs.

Next, the payment processing unit 130 of the payment server 100 calculates the remuneration amount (S22). For example, the payment processing unit 130 may calculate a predetermined percentage (e.g., 2%) of the payment amount as the remuneration amount. Here, the value of the predetermined percentage may be set arbitrarily, and may be changed for each store, or may be changed depending on the type of product purchased.

Next, the payment processing unit 130 of the payment server 100 notifies the investment company server 200 of the user's account ID, the affiliated store ID of the affiliated store to which the store where the product was purchased belongs, and the remuneration amount calculated in S22 (S23). Specifically, the payment processing unit 130 controls the communication unit 110 to notify the investment company server 200 of this information via the network NW.

The investment processing unit 220 of the investment company server 200 identifies the stock to be purchased based on the information received from the payment server 100 (S24). Specifically, the investment processing unit 220 obtains the affiliated store name and stock code corresponding to the affiliated store ID received from the payment server 100 from the stock information 274. The investment processing unit 220 determines that the stock corresponding to the obtained stock code is the stock to be purchased.

Next, the investment processing unit 220 sets the remuneration amount received from the payment server 100 as the payment amount, and controls the communication unit 210 to send payment information regarding the stock purchase to the payment server 100 (S25). Specifically, the investment processing unit 220 sends payment information including the user's account ID, stock name, and payment amount to the payment server 100.

The payment processing unit 130 of the payment server 100 performs electronic payment for the purchase of shares (S26). Specifically, the payment processing unit 130 subtracts the payment amount included in the payment information received from the investment company server 200 from the charge balance in the user information 172. The payment processing unit 130 also deposits the payment amount into the account of the investment company that manages the investment company server 200.

Next, the payment processing unit 130 of the payment server 100 transmits a payment completion notification to the investment company server 200 (S27). Specifically, the payment processing unit 130 controls the communication unit 110 to transmit the payment completion notification to the investment company server 200 via the network NW.

The investment processing unit 220 of the investment company server 200 purchases shares of the affiliated store in response to a payment completion notice from the payment server 100 (S28). Specifically, the investment processing unit 220 purchases the stocks of the brand identified in S24 in the amount of the payment amount. When the purchase of shares is completed, the investment processing unit 220 updates the information of the assets held in the investment information 272. Specifically, the investment processing unit 220 adds information about the shares purchased this time to the assets held in the investment information 272. This makes it possible to grant the user shares of the affiliated store to which the store where the product was purchased belongs as a reward for purchasing the product.

Next, the investment processing unit 220 of the investment company server 200 transmits a purchase completion notification to the payment server 100 (S29). Specifically, the investment processing unit 220 controls the communication unit 210 to transmit the purchase completion notification to the payment server 100 via the network NW.

The payment processing unit 130 of the payment server 100 transmits a payment completion notification to the payment application 20 in response to the purchase completion notification from the investment company server 200 (S30). Specifically, the payment processing unit 130 controls the communication unit 110 to transmit the payment completion notification via the network NW to the user terminal device 10 in which the payment application 20 is installed.

The payment application 20 installed on the user terminal device 10 displays a payment completion screen on the display unit of the user terminal device 10 in response to a payment completion notification from the payment server 100 (S31).

Figure 15 is a diagram showing an example of a payment completion screen IM3 of the payment app 20. As shown in Figure 15, the payment completion screen IM3 of the payment app 20 includes the name of the affiliated store where the payment was made, the store name, the payment amount, the investment amount, and information about the investment destination, etc. In the example shown in Figure 15, it is shown that the name of the affiliated store where the payment was made is "△△ Sushi", the store name is "□□ Store", the payment amount is 5,000 yen, the investment amount is 100 yen, and the investment destination is shares of "△△ Sushi".

The payment completion screen IM3 of the payment app 20 further includes a button B31 for confirming owned assets. When the user selects button B31, an owned assets confirmation screen IM4, which will be described later, is displayed.

Figure 16 is a diagram showing an example of the holdings confirmation screen IM4 of the payment app 20. As shown in Figure 16, the holdings confirmation screen IM4 of the payment app 20 includes a graph showing the valuation of the holdings and the valuation ratio of each stock, and a list of stock brands held by the user. In the example of Figure 16, a pie chart is displayed, but other types of graphs such as bar graphs may also be displayed. In this way, the payment processing unit 130 generates a graph showing the valuation ratio of each stock granted to the user, and transmits the generated graph to the user terminal device 10 for display. This allows the user to easily check information about the stocks they own.

[flowchart]
17 is a flowchart showing an example of processing performed by the payment server 100. First, when a user purchases a product at a store, the acquisition unit 160 of the payment server 100 acquires payment information including the payment amount of electronic payment from the first store terminal device 50 or the user terminal device 10 (S102). In the case of user scanning, the acquisition unit 160 acquires the payment information from the user terminal device 10, and in the case of store scanning, the acquisition unit 160 acquires the payment information from the first store terminal device 50.

Next, the payment processing unit 130 of the payment server 100 performs payment processing based on the payment amount in accordance with the payment information (S102), calculates the reward amount (S103), and performs processing to grant the user shares of the affiliated store to which the store where the product was purchased belongs (S104). Here, the payment processing unit 130 performs electronic payment for the purchase of shares, and the purchase processing of shares is carried out by the investment company server. Note that if a surcharge amount has been set, additional shares are purchased for the surcharge amount. This concludes the processing according to this flowchart.

[Auto Charge]
If the user's electronic money balance is less than the total of the payment amount and the add-on amount even though the add-on amount has been set on the add-on amount setting screen IM2 in Fig. 13, the payment processing unit 130 cannot perform the payment process for purchasing stocks. Therefore, if the user's electronic money balance is less than the total of the payment amount and the add-on amount, the payment processing unit 130 executes an auto-charge to automatically charge a preset amount of electronic money.

The payment processing unit 130 performs auto-charge in cooperation with a preset partner. For example, the partner may be a credit card company or a bank, but the following description will be given of an example in which the payment processing unit 130 performs auto-charge in cooperation with a credit card company. When performing auto-charge, the payment processing unit 130 controls the communication unit 110 to transmit the user's card number and a preset amount (auto-charge amount) to the credit card company server 300. The communication unit 310 of the credit card company server 300 receives the user's card number and auto-charge amount from the payment server 100. The card processing unit 320 of the credit card company server 300 adds the history of the use of auto-charge to the usage history in the card information 372 stored in the memory unit 370, and deposits the auto-charge amount into the account of the operating company of the payment server 100. The payment processing unit 130 of the payment server 100 then adds the auto-charge amount to the charge balance in the user information 172. This allows users to purchase shares in affiliated stores even if their electronic money balance is less than the total of the payment amount and the top-up amount.

As described above, the payment server 100 of this embodiment includes an acquisition unit 160 and a payment processing unit 130. When a user purchases a product at a store, the acquisition unit 160 acquires payment information including the payment amount of the electronic payment from the first store terminal device 50 installed in the store or the user terminal device 10 owned by the user. The payment processing unit 130 performs payment processing based on the payment amount according to the payment information, and also performs processing to grant the user shares of the affiliated store to which the store where the product was purchased belongs as a reward for purchasing the product. This allows the user to automatically invest in shares of the affiliated store used by the user, thereby expanding the range of stock options to invest in.

The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made without departing from the spirit of the present invention.

10 User terminal device 20 Payment application 50 First store terminal device 60 Store code image 70 Second store terminal device 100 Payment server 110 Communication unit 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 150 Setting unit 160 Acquisition unit 170 Storage unit 172 User information 174 Payment content information 176 Store information 200 Investment company server 210 Communication unit 220 Investment processing unit 270 Storage unit 272 Investment information 300 Credit card company server 310 Communication unit 320 Card processing unit 370 Storage unit

Claims (11)

an acquisition unit that acquires payment information including an amount of payment made by electronic payment from a store terminal device installed in the store or a user terminal device owned by the user when the user purchases a product at the store;
a processing unit that performs a payment process based on the payment amount in accordance with the payment information, and performs a process to grant the user stocks of the affiliated store to which the store belongs as a reward for purchasing the product;
A payment device comprising: A setting unit is further provided for setting, as a reward for the purchase of the product, either stocks of the affiliated store or points that can be used as electronic money.
The payment device according to claim 1. When stocks of the affiliated store are set as a reward for the purchase of the product, the processing unit calculates a reward amount based on the payment amount, and performs processing to grant the user stocks of the affiliated store in an amount corresponding to the reward amount.
The payment device according to claim 2. When the points are set as a reward for the purchase of the product, the processing unit calculates a reward amount based on the payment amount and performs processing to grant the points to the user in an amount corresponding to the reward amount.
The payment device according to claim 2. the processing unit, when granting the stocks of the affiliated store to the user, performs processing for further purchasing the stocks of the affiliated store in an amount equivalent to a predetermined additional amount and granting the stocks to the user;
The payment device according to claim 1. the processing unit calculates, as the added amount, a predetermined percentage of the balance of electronic money of the user, a predetermined percentage of points that the user owns and that can be used as electronic money, a predetermined percentage of the payment amount, or a predetermined amount set in advance;
The settlement device according to claim 5. the processing unit executes an auto-charge to automatically charge a preset amount of electronic money when the balance of the electronic money of the user is less than the sum of the payment amount and the top-up amount.
The settlement device according to claim 5. the processing unit generates a graph showing the ratio of the valuation amount for each of the stocks assigned to the user, and transmits the graph to the user terminal device for display;
The payment device according to claim 1. The payment device according to any one of claims 1 to 8;
an application program installed in the user terminal device and configured to transmit the payment information to the payment device;
A payment system comprising: The payment device,
When a user purchases a product at a store, payment information including an electronic payment amount is obtained from a store terminal device installed at the store or a user terminal device owned by the user;
performing a payment process based on the payment amount in accordance with the payment information, and a process for granting shares of the affiliated store to the user as a reward for the purchase of the product;
Payment method. On the computer,
When a user purchases a product at a store, payment information including an electronic payment amount is obtained from a store terminal device installed at the store or a user terminal device owned by the user;
performing a payment process based on the payment amount in accordance with the payment information, and performing a process for granting shares of the affiliated store to the user as a reward for the purchase of the product;
program.

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