JP6322383B2 - Settlement support system, settlement support apparatus, settlement support program, settlement support method - Google Patents

Description

  The present invention relates to a technology for supporting settlement performed through a network.

  In a transaction for paying for the provision of goods or services, a store or the like that provided the goods or services issues a receipt (receipt) in response to payment of the price from the customer. Patent Documents 1 and 2 describe that settlement related to transactions in a store is performed via an information network.

JP 2003-337911 A JP 2004-252588 A

  However, when a transaction receipt is not printed on paper and issued as an electronic receipt, which is electronic information, it is necessary to send the electronic receipt to some computer device owned by the customer. For this purpose, for example, at the time of payment at a store, a customer's e-mail address or the like is input to the store-side computer device, and an electronic receipt generated by the store-side computer device is sent to the input e-mail address as the destination. It is possible to do. However, in this case, it takes time for the customer to input an e-mail address to the computer device on the store side at the time of settlement. Therefore, it is desirable to issue electronic receipts to customers more efficiently.

  The present invention has been made in view of such a situation, and provides a settlement support system, a settlement support apparatus, a settlement support program, and a settlement support method for issuing an electronic receipt.

In order to solve the above-described problem, one aspect of the present invention provides each store terminal of a plurality of stores that conduct transactions with a user, the user terminal of the user that can communicate with each store terminal, each store terminal, a payment support system comprising a communicable payment support device and the user terminal, the shop terminal, storage to memorize a two-dimensional bar code containing each store terminal identification information transmitted to each of the store terminal and parts, a receiving unit for accepting input of transaction information (214), if the transaction information to the receiving unit is input, includes transaction identification information identifies whether the transaction is of any of the store terminal An output unit (213) that outputs a two-dimensional barcode and a transaction information transmission unit (216) that transmits transaction information to the settlement support device, and the user terminal is output from the store terminal. Ru A two-dimensional barcode reader (223) for reading the two-dimensional barcode, an electronic receipt acquisition unit (224) for receiving an electronic receipt transmitted from the electronic receipt transmitter of the payment support apparatus, and a two-dimensional barcode reader Branch 払要 determined unit transaction identification information and user identification information read by the section is sent to the settlement support terminal a payment request included at least a (227), wherein the payment support apparatus, the user information about the payment of the user A user information storage unit (238) for storing the transaction information, a transaction information storage unit (239) for storing the transaction information, and an electronic receipt corresponding to the transaction are stored in association with each transaction identification information. Based on the electronic receipt storage unit (233) and the transaction information transmitted from the store terminal, an electronic receipt is generated and the electronic receipt is generated. An electronic receipt generation unit (234) to be stored in a storage unit, the electronic receipt associated with the transaction identification information included in the payment request is read from the electronic receipt storage unit, and the read electronic receipt is read from the user terminal settlement based on said user information and electronic receipt transmitting unit (237) to be transmitted, corresponding to the user identification information, wherein included in the payment request and the transaction information corresponding to transactions identification information included in the payment request to A settlement processing unit (215) for performing processing.

Another embodiment of the present invention, each of the plurality of store terminals, a storage unit for memorize a two-dimensional bar code including a store terminal identification information of each store, a receiving section that receives an input of transaction information, before When the transaction information to the serial receiving unit is input, and an output unit for outputting a two-dimensional bar code included store terminal identification information for identifying whether the transaction is of any of the store terminal (POSID) is, A transaction terminal for transmitting the transaction information to a payment support apparatus; a two-dimensional barcode reading unit (223) for reading the two-dimensional barcode output from the store terminal; and a payment support electronic receipt acquisition unit that transmits the electronic receipt acquisition request received electronic receipt transmitted from the electronic receipt transmitting portion of the device to the payment support unit (224), read by the two-dimensional bar code reading section A shop terminal identification information, a settlement information communicable payment support apparatus and a user terminal, comprising a payment request unit (227) for transmitting the supporting 払要 determined contained at least in the settlement support terminal, the user terminal A user information storage unit (238) for storing card information related to payments made using the transaction information storage for storing the transaction information in association with the store terminal identification information of the store terminal that is the source of the transaction information A unit (239), an electronic receipt storage unit (233) in which an electronic receipt corresponding to the transaction is associated and stored for each store terminal identification information, and the transaction information transmitted from each store terminal based on the store terminal identification information to electronic receipt generation unit generates the electronic receipt is stored in the electronic receipt storage section (234), included in the payment request Reading the electronic receipt associated with from the electronic receipt storage unit (233), the electronic receipt transmitting unit that transmits the electronic receipt read out the user terminal (220) and (237), said supporting 払要 determined reads card information corresponding to the payment information included from the user information storage unit, reads out the pre-Symbol transaction information that corresponds to the store terminal identification information included in the payment request from said transaction information storage unit (239), read A payment processing unit (215) configured to perform payment processing based on the transaction information and the card information.

According to another aspect of the present invention , there is provided a payment support program for causing a computer to operate as the payment support apparatus according to claim 2, wherein the payment support for causing the computer to function as each unit included in the payment support apparatus. It is a program.

Another embodiment of the present invention includes a shop terminal of a store for user and transaction, and the user terminal of the user, a communicable with the store terminal, for each store terminal identification information for identifying the shop, the Each device of the payment support system including the payment support device including the electronic receipt storage unit that stores the electronic receipt corresponding to the transaction in association with each other performs the following steps (1) to (8). (1) the user terminal transmits user information; (2) the payment support device stores the user information; and (3) the store terminal performs the transaction. and the step of accepting input transaction information relating to the content of, the transaction information is entered, the step of transmitting to the payment support apparatus, (4) the payment support device, from the shop terminal sends Receiving said transaction information that, storing, (5) Step the store terminal, which outputs a two-dimensional bar code included the store terminal identification information received from the payment support apparatus to the user terminal, (6) read-dimensional bar code which the user terminal is output from the shop terminal receives and sending to the payment support apparatus, a is supported 払要 determined to be transmitted from the user terminal (7) the payment support apparatus, A step of performing a settlement process from the transaction information transmitted from the two- dimensional barcode and the store terminal based on the payment request, and a step of generating an electronic receipt based on the payment processing and storing the electronic receipt in the electronic receipt storage unit, (8) payment support apparatus, wherein in response to the payment request transmitted from the user terminal, read out the generated the electronic receipt from the electronic receipt storage unit And characterized by performing the step of transmitting the electronic receipt read out to the user terminal.

As described above, according to the present invention, it is a payment support system including a store terminal of a store that conducts a transaction with a user, a user terminal, and a payment support device that can communicate with the store terminal. , Accepting the input of transaction information, outputting a two-dimensional barcode including transaction identification information, transmitting the transaction information to the payment support device, the user terminal reads the two-dimensional barcode output from the store terminal, Based on the transaction identification information included in the read two-dimensional barcode, an electronic receipt acquisition request is generated and transmitted to the payment support apparatus. The payment support apparatus receives the electronic receipt based on the transaction information transmitted from the store terminal. Generate and store in association with transaction identification information, receive an electronic receipt acquisition request transmitted from the user terminal, and associate with transaction identification information included in the electronic receipt acquisition request It reads the electronic receipt that, since so as to transmit the read electronic receipt to the user terminal, it is possible to issue electronic receipts.
Further, in the settlement support system and the settlement support apparatus so far, an example in which the settlement support apparatus 130 generates a two-dimensional barcode each time a transaction is performed has been shown. A two-dimensional barcode including store terminal identification information for identifying the store terminal is transmitted and stored, and the transaction is identified by the store terminal identification information. In other words, in the present embodiment, the transaction identification information is information for identifying a store terminal of a store that performs a transaction from among a plurality of store terminals. At the time of settlement, the store terminal displays a two-dimensional barcode stored in advance, and the user terminal settles a payment request including the store terminal identification information detected from the two-dimensional barcode displayed on the store terminal and the user information. Send to support device. The settlement support apparatus performs a settlement process in response to the payment request transmitted from the user terminal and issues an electronic receipt. This way, every time you trade. There is no need to generate a two-dimensional barcode, and settlement can be supported with a simpler configuration.

It is a block diagram which shows the structure of the payment assistance system as a reference example of this invention. It is a figure which shows the example of data of the transaction information as a reference example of this invention. It is a figure which shows the example of data contained in the production | generation request of the two-dimensional barcode as a reference example of this invention. It is a figure which shows the example of the 1st electronic receipt as a reference example of this invention. It is a figure which shows the example of the 2nd electronic receipt as a reference example of this invention. It is a figure which shows the operation example of the payment assistance system as a reference example of this invention. It is a block diagram which shows the structure of the payment assistance system as another reference example of this invention. It is a figure which shows the example of data of the user information as another reference example of this invention. It is a figure which shows the example of data contained in the payment request as another reference example of this invention. It is a figure which shows the operation example of the payment assistance system as another reference example of this invention. Is a block diagram showing the configuration of a payment support system according to implementation embodiments of the present invention. Is a diagram illustrating an example of data included in the payment request by the implementation of the invention. Is a diagram showing an operation example of a payment support system according to implementation embodiments of the present invention.

Hereinafter, reference examples of the present invention will be described with reference to the drawings.
< Reference example >
FIG. 1 is a block diagram showing a configuration of a settlement support system 1 according to a reference example of the present invention. The payment support system 1 includes a computer device including a store terminal 10 of a store that conducts transactions with a user, a user terminal 20 of the user, and a payment support device 30 that can communicate with the store terminal 10. The credit card company system 6 is connected to the credit card company device 6 via the credit card network system 5. Here, the store terminal 10 and the user terminal 20 are each illustrated and described, but the payment support system 1 may include a plurality of store terminals 10 installed in a plurality of companies and stores. Moreover, you may provide the user terminal 20 of the some user who trades in these some stores. Although an example in which one card company device 6 is connected to the credit card network system 5 is illustrated and described, a plurality of card company devices 6 of a plurality of credit card companies may be connected.

The credit card network system 5 is a computer that connects to a credit card company card company device 6 through an online line, relays transaction information for settlement, verifies the validity of a credit card, and determines the validity of a credit limit. System.
The card company device 6 is a computer device of a card company that pays the store a price corresponding to the transaction between the user and the store. The card company device 6 includes the name, date of birth, address, bank account to be charged for the card, card expiration date, credit limit, credit card usage history, etc. Member information is stored. In addition, the card company device 6 stores member store information regarding member stores such as companies and stores that are predetermined to conduct transactions based on credit cards issued by the card company of the card company device 6.

  Moreover, the card company apparatus 6 performs an authorization process for determining whether or not to approve a credit card settlement in the transaction. For example, the card company device 6 performs a predetermined authorization process in response to the authorization request transmitted from the payment support device 30 and transmits the authorization result to the payment support device 30. Specifically, the card company device 6 determines whether or not the card is an illegal card by a checksum of the card number or the like according to the card number included in the authorization request or the amount of the payment request price. It is determined whether or not to approve the payment according to the payment request based on information such as the card expiration date and the limit of use included in the stored member information. Further, the card company device 6 transmits the determination result as an authorization result to the settlement support device 30 that is the transmission source of the authorization request. The card company device 6 stores, for example, the limit of use for each member store in advance, and does not approve the settlement when an authorization request with an amount exceeding the limit of use for each member store is transmitted. Also good.

  The store terminal 10 has a function of a POS (Point of sale system) register that performs payment of a purchase amount corresponding to a product purchased by a user in a store and shares information such as sales information between other stores. , Operated by store employees. The store terminal 10 may be a dedicated terminal for a POS register, but may be a terminal in which an application program having a POS register function is installed in a general-purpose terminal such as a PC (Personal computer), a tablet PC, or a smartphone. In the present embodiment, the store terminal 10 is a smartphone, and a POS application having a POS register function is assumed to be installed in advance. Further, it is assumed that the POS application stores in advance a company code that identifies a company that operates a store, a store code that identifies the store, a terminal number that identifies the store terminal 10, and the like. The store terminal 10 includes a communication unit 11, an input unit 12, an output unit 13, a reception unit 14, a settlement processing unit 15, a transaction information transmission unit 16, and a two-dimensional barcode reception unit 17. .

The communication unit 11 communicates with the payment support apparatus 30 via a network.
The input unit 12 is a device such as a keyboard, a touch panel, or a barcode reader, and generates an input signal corresponding to an operation. For example, transaction information such as the item, number, and amount of products purchased by the user at the store is input to the input unit 12. The input unit 12 may include a card reader that reads credit card information. If the store terminal 10 is a smartphone, such a card reader can be connected to a dedicated device that can be connected by, for example, an earphone jack or USB (Universal Serial Bus). The card reader reads the card number of the credit card from the credit card presented to the salesperson by the user. For example, the card reader may be an IC card reader that reads a credit card that is an IC (Integrated Circuit) card, or may be a magnetic card reader that reads a credit card that is a magnetic card. When paying by credit card, the input unit 12 accepts inputs such as the number of payments and a PIN (Personal identification number) for credit card authentication.

  The output unit 13 is a device that outputs information. For example, the output unit 13 is a display that displays various types of information. If the store terminal 10 is a smartphone, the output unit 13 is a touch panel. For example, the output unit 13 receives input of transaction information to the input unit 12 and the reception unit 14 outputs a two-dimensional barcode acquired from the payment support apparatus 30 based on the received transaction information.

  Here, the two-dimensional barcode includes transaction identification information for identifying a transaction. In the present embodiment, an electronic receipt generated for each transaction is stored in the payment support apparatus 30, and the transaction identification information is information indicating a location where the corresponding electronic receipt is stored in the payment support apparatus 30. More specifically, the transaction identification information is a URL (Uniform Resource Locator) for referring to an electronic receipt corresponding to the transaction. The user terminal 20 reads the two-dimensional barcode output from the output unit 13, detects a URL as transaction identification information included in the two-dimensional barcode, and connects the detected URL to the settlement support apparatus 30 as a connection destination. Thus, an electronic receipt corresponding to the transaction can be acquired. In this way, the electronic receipt for the transaction can be efficiently transmitted to the user terminal 20 of the user who performed the transaction without taking the trouble of inputting information such as the user's email address at the time of payment at the store. Can do.

The accepting unit 14 accepts input of various information based on an input signal generated in response to an operation on the input unit 12. For example, the reception unit 14 receives input of transaction information such as a transaction amount, a payment method, credit card information, the number of payments, and a PIN in response to an operation on the input unit 12.
When transaction information is input to the reception unit 14, the settlement processing unit 15 performs a settlement process according to the transaction information. In the present embodiment, the payment process refers to a process of transmitting a payment request including transaction information for making a payment to the payment support apparatus 30 and acquiring a result of the payment process transmitted from the payment support apparatus 30. .

FIG. 2 is a diagram illustrating an example of transaction information data. The transaction information includes items such as terminal information, purchase information, payment information, and payment information, and the terminal information includes items such as a company code, a store code, and a terminal number.
The purchase information includes items such as purchase information ID (identifier), purchased product item, quantity, amount, and payment (purchase) amount. Purchase information ID is information which identifies the user's one purchase act in a store. The purchased merchandise item is information indicating the item of the merchandise purchased by the user by one purchase action. The number is information indicating the number of items purchased by the user for the item indicated by the purchased item. The amount is information indicating the amount corresponding to the purchased product item and the number. In the case of purchasing products of a plurality of product items in one purchase action, a plurality of combinations of purchased product items, the number of pieces, and the amount of information may be included. The total payment (purchase) amount is information indicating the total amount of money for one purchase.

The payment information includes items such as a payment category and the number of payments. The payment category is a category of payment method, for example, installment payment, revolving payment, or the like is applied. The number of payments is the number of payments in the case of installment payment.
The payment information is information related to a credit card for payment, and includes a member ID, a terminal identification ID, and a use credit card ID. The member ID is information for identifying a user who is a credit card member. The terminal identification ID is information for identifying the user terminal 120 used by the user. Use credit card ID is information which identifies the credit card which a user uses, for example, is a card number.
Here, the settlement processing unit 15 transmits to the settlement support apparatus 30 a settlement request including information on items necessary for settlement among the items of transaction information.

The transaction information transmitting unit 16 transmits the transaction information received by the receiving unit 14 to the settlement support apparatus 30 in order to generate an electronic receipt and a two-dimensional barcode. In the present embodiment, the transaction information transmission unit 16 transmits a request for generating a two-dimensional barcode including transaction information including the processing result of the payment processing by the payment processing unit 15 to the payment support apparatus 30.
FIG. 3 is a diagram illustrating an example of data included in the two-dimensional barcode generation request that the transaction information transmission unit 16 transmits to the payment support apparatus 30. In this example, the two-dimensional barcode generation request includes terminal information and receipt information to be included in the electronic receipt among items included in the transaction information. Receipt information is information that is printed on a receipt when handed over to a customer at a store, and includes information such as the name of a product that has been traded and the unit price.
The two-dimensional barcode receiving unit 17 receives the two-dimensional barcode transmitted from the settlement support apparatus 30 in response to the two-dimensional barcode generation request transmitted by the transaction information transmitting unit 16.

  The user terminal 20 is a portable computer terminal such as a tablet PC or a smartphone that is carried by the user. In the present embodiment, the user terminal 20 will be described as a smartphone. The user terminal 20 includes a communication unit 21, an output unit 22, a two-dimensional barcode reading unit 23, and an electronic receipt acquisition unit 24.

The communication unit 21 communicates with the payment support apparatus 30 via a network.
The output unit 22 is a device that outputs information. For example, the output unit 22 is a display that displays various types of information, and is a touch panel.
The two-dimensional barcode reading unit 23 reads a two-dimensional barcode output from the store terminal 10. For example, the two-dimensional barcode reading unit 23 includes a camera that captures an image, reads a two-dimensional barcode included in the captured image, and detects information included in the read two-dimensional barcode. In the present embodiment, the two-dimensional barcode reader 23 detects a URL included in the two-dimensional barcode.

  The electronic receipt acquisition unit 24 generates an electronic receipt acquisition request based on the transaction identification information included in the two-dimensional barcode read by the two-dimensional barcode reader 23, and sends the generated electronic receipt acquisition request to the payment support apparatus 30. Send. In the present embodiment, the electronic receipt acquisition unit 24 transmits an electronic receipt acquisition request, which is a connection request using the URL included in the two-dimensional barcode as a connection destination, to the settlement support apparatus 30. The electronic receipt acquisition unit 24 receives an electronic receipt transmitted from the settlement support apparatus 30 in response to the transmitted electronic receipt acquisition request, and causes the output unit 22 to output the electronic receipt. Thereby, the electronic receipt can be efficiently shown to the user who performed the transaction using the two-dimensional barcode.

  FIG. 4 is a diagram illustrating an example of a first electronic receipt output by the output unit 22. The first electronic receipt is the information obtained by digitizing the receipt (customer copy) when making a credit card payment. Store name, store logo, store address, store phone number, card issuer, member number, valid Information on items such as deadline, handling date, processing serial number, approval number, slip number, transaction content, product category, handling (payment) category, total amount, store number, terminal number, person in charge, handling time, etc. are included.

FIG. 5 is a diagram illustrating an example of a second electronic receipt output by the output unit 22. The first electronic receipt is information in which the receipt for the purchased product, etc. in the transaction is digitized. The store address, store phone number, date of purchase (day of the week) and time, product name, unit price, total number , Subtotal, consumption tax, total, deposit (amount), change (amount), person in charge, transaction number (number), and other items.
As described above, the electronic receipt acquisition unit 24 can acquire and display the first electronic receipt and the second electronic receipt.

The settlement support apparatus 30 includes a communication unit 31, a settlement relay unit 32, an electronic receipt storage unit 33, an electronic receipt generation unit 34, a two-dimensional barcode generation unit 35, an electronic receipt acquisition request reception unit 36, and an electronic A receipt transmission unit 37.
The communication unit 31 communicates with the store terminal 10 and the user terminal 20 via a network.

  The settlement relay unit 32 connects to the credit card network system 5 based on the settlement request transmitted from the store terminal 10, performs an authorization process, a settlement process, etc., acquires a settlement result, and transmits the settlement result to the store terminal 10. To do.

  The electronic receipt storage unit 33 stores an electronic receipt corresponding to a transaction in association with each transaction identification information. For example, the settlement support apparatus 30 has a function of a web server, and stores an electronic receipt in a storage area that is disclosed to the user. Here, for example, an electronic receipt is generated as an image file, and a corresponding electronic receipt image file is stored for each connection destination indicated by a URL including transaction identification information. As the connection destination indicated by the URL including the transaction identification information, for example, the image file of one or a plurality of electronic receipts of the user is stored in a folder that is a storage area created for each user, and the file name is different for each image file. Or may be stored in a folder for each image file. The URL is, for example, a unique hash calculated based on information of several items included in the transaction information (for example, company code, store code, terminal number, purchase information ID) after the same host name for all users It can be a concatenation of values.

The electronic receipt generation unit 34 generates an electronic receipt based on the transaction information included in the two-dimensional barcode generation request transmitted from the store terminal 10 and stores the electronic receipt in the electronic receipt storage unit 33.
The two-dimensional barcode generation unit 35 generates a two-dimensional barcode based on the transaction information included in the two-dimensional barcode generation request transmitted from the store terminal 10, and stores the generated two-dimensional barcode in the store terminal 10. Send to. Here, the two-dimensional barcode generation unit 35 generates a two-dimensional barcode including transaction identification information for identifying a transaction of transaction information included in the generation request. Specifically, the two-dimensional barcode generation unit 35 generates a two-dimensional barcode including a URL for referring to the electronic receipt generated by the electronic receipt generation unit 34 based on the transaction information included in the generation request. To the store terminal 10.

The electronic receipt acquisition request receiving unit 36 receives an electronic receipt acquisition request transmitted from the user terminal 20.
The electronic receipt transmitting unit 37 reads an electronic receipt associated with the transaction identification information included in the electronic receipt acquisition request received by the electronic receipt acquisition request receiving unit 36 from the electronic receipt storage unit 33, and the read electronic receipt is the user terminal. 20 to send.

Next, an operation example of the settlement support system 1 according to the reference example will be described with reference to the drawings. FIG. 6 is a diagram illustrating an operation example of the settlement support system 1 according to the reference example .
When the user determines a product or the like to be purchased in the store, the store employee operates the store terminal 10 and inputs transaction information such as a product item, number, and price of the product to be purchased by the user. The reception unit 14 of the store terminal 10 receives the input information (step S1). Further, the store terminal 10 displays a payment method selection screen on the output unit 13. For example, a screen for selecting one of a plurality of payment methods such as cash payment and credit card payment is displayed. The accepting unit 14 accepts selection of any payment method (step S2). Here, when credit card payment is selected, the employee causes the store terminal 10 to read the credit card presented by the user. For example, a card reader provided in the input unit 12 of the store terminal 10 reads information from a credit card (step S3).

  The store terminal 10 displays an input screen such as the number of payments on the output unit 13, and the reception unit 14 receives an input such as the number of payments (step S4). Here, when the credit card to be used is an IC credit card, the receiving unit 14 receives an input of a PIN corresponding to the credit card (step S5). If the credit card is a magnetic credit card, a signature may be received from the user.

  The settlement processing unit 15 transmits a settlement request to the settlement support apparatus 30 based on the transaction information input to the reception unit 14 (Step S6). When receiving a payment request transmitted from the store terminal 10, the payment relay unit 32 of the payment support device 30 connects to the credit card network system 5 and relays the payment processing between the credit card network system 5 and the card company device 6. (Step S7). When the payment processing is completed, the payment support device 30 transmits the payment result to the store terminal 10.

  The store terminal 10 displays a receipt receiving method selection screen on the output unit 13. For example, a selection screen for selecting one of the receipt receiving methods from a plurality of receipt receiving methods such as receipt by paper, receipt by e-mail (SMS (Short Message Service)), receipt by electronic receipt, and the like is displayed. The accepting unit 14 accepts selection of any receipt receiving method (step S8). Here, when receipt of paper receipt is selected, the store terminal 10 is connected to a printer by short-range wireless communication such as Bluetooth (registered trademark), and prints a receipt. Alternatively, when receipt receipt by e-mail is selected, an input of a destination such as an e-mail address or a mobile phone number is accepted from the user, and an e-mail including a receipt image is transmitted to the input destination.

  When receipt receipt by electronic receipt is selected, the transaction information transmitting unit 16 transmits a request for generating a two-dimensional barcode including transaction information including the settlement result in step S6 to the settlement support apparatus 30 (step S9). The communication unit 31 of the settlement support apparatus 30 receives the two-dimensional barcode generation request transmitted from the store terminal 10 (step S10). The electronic receipt generation unit 34 generates an electronic receipt based on the transaction information included in the generation request received by the communication unit 31, and stores the electronic receipt in the electronic receipt storage unit 33 (step S11).

  The two-dimensional barcode generation unit 35 generates a two-dimensional barcode including a URL for referring to the electronic receipt stored in the electronic receipt storage unit 33 (step S12), and the generated two-dimensional barcode is stored in the store terminal. 10 (step S13). When the two-dimensional barcode receiving unit 17 of the store terminal 10 receives the two-dimensional barcode transmitted from the settlement support apparatus 30 (step S14), the two-dimensional barcode receiving unit 17 displays the two-dimensional barcode on the output unit 13 (step S15). The two-dimensional barcode reading unit 23 of the user terminal 20 reads the two-dimensional barcode displayed by the output unit 13 of the store terminal 10, and detects the URL from the read two-dimensional barcode (step S16). The electronic receipt acquisition unit 24 transmits an electronic receipt acquisition request, which is a connection request using the URL detected by the two-dimensional barcode reading unit 23 as a connection destination, to the settlement support apparatus 30 (step S17).

  When the electronic receipt acquisition request receiving unit 36 of the payment support apparatus 30 receives the electronic receipt acquisition request transmitted from the user terminal 20, the electronic receipt transmitting unit 37 is an electronic receipt storage unit that is a connection destination indicated by the electronic receipt acquisition request. The electronic receipt is read from the storage area 33, and the read electronic receipt is transmitted to the user terminal 20 (step S18). When receiving the electronic receipt transmitted from the settlement support apparatus 30, the electronic receipt acquisition unit 24 of the user terminal 20 displays the received electronic receipt on the output unit 22 (step S19).

As described above, according to the reference example , by using a two-dimensional bar code, an electronic receipt is easily and efficiently issued to a user without taking the trouble of inputting an e-mail address at the time of settlement. be able to. As a result, it is possible to improve the customer satisfaction (CS) of the user and to make the cash register operation more efficient. In addition, according to the reference example , without connecting a special device to the user terminal 20 or installing a dedicated application, a communication function or a two-dimensional barcode reading function provided in a general-purpose terminal such as a smartphone is provided. Since a series of processes can be performed using the payment support system 1, the settlement support system 1 can be efficiently constructed.
Furthermore, since personal information such as an email address and a telephone number is not input to the store terminal 10, for example, the cost of the store managing personal information can be reduced, and the risk of leakage of the user's email address can be reduced. it can.

The two-dimensional barcode generation request transmitted from the store terminal 10 to the payment support apparatus 30 may be any information that includes information for generating a two-dimensional barcode and an electronic receipt.
In the reference example , the payment support system 1 issues an electronic receipt for payment by credit card, but the payment support system 1 can also issue an electronic receipt for payment by cash or the like. For example, in the case of payment by cash, when the cash payment method is selected in step S2, the processing from step S8 is performed without performing the processing from step S3 to step S7.

< Another reference example >
Next, another reference example of the present invention will be described. In the reference example , the store terminal 10 reads the credit card, transmits a payment request to the payment support apparatus 30, and performs the payment process. However, in another reference example , the payment card is previously stored in the payment support apparatus. Information is stored, and at the time of payment, payment processing is performed based on card information stored in advance in the payment support apparatus without performing an operation such as reading a credit card each time. As a result, the user can make a credit card payment without carrying a credit card. In addition, it is possible to make a credit payment without preparing a dedicated device or the like for reading a credit card at the store, and it is possible to efficiently issue an electronic receipt to the user.

FIG. 7 is a block diagram showing a configuration of a payment support system 100 according to another reference example . The settlement support system 100 has the same configuration as the settlement support system 1 in the reference example , and the settlement support system 100 communicates with the store terminal 110 of the store that conducts transactions with the user, the user terminal 120 of the user, and the store terminal 110. The payment support device 130 is connected to the card company device 6 of the credit card company via the credit card network system 5. Here, the store terminal 110 and the user terminal 120 are each illustrated and described, but the settlement support system 100 may include a plurality of store terminals 110 installed in a plurality of companies and stores. Moreover, you may provide the user terminal 120 of the some user who trades in these some stores. The credit card network system 5 and the card company device 6 have the same configuration as in the reference example .

  The store terminal 110 has the same configuration as the store terminal 10 in the first embodiment, and includes a communication unit 111, an input unit 112, an output unit 113, a reception unit 114, a transaction information transmission unit 116, a two-dimensional A barcode receiving unit 117. The communication unit 111, the input unit 112, the output unit 113, the reception unit 114, the transaction information transmission unit 116, and the two-dimensional barcode reception unit 117 included in the store terminal 110 are the store terminal in the first embodiment. The communication unit 11, the input unit 12, the output unit 13, the reception unit 14, the transaction information transmission unit 16, and the two-dimensional barcode reception unit 17 are configured in the same manner.

  The user terminal 120 has the same configuration as the user terminal 20 in the first embodiment, and includes a communication unit 121, an output unit 122, a two-dimensional barcode reading unit 123, an electronic receipt acquisition unit 124, and an input unit 125. A user information registration unit 126 and a payment request unit 127. The communication unit 121, the output unit 122, the two-dimensional barcode reading unit 123, and the electronic receipt acquisition unit 124 are the communication unit 21, the output unit 22, and the two-dimensional unit included in the user terminal 20 in the first embodiment. The configuration is the same as that of the barcode reading unit 23 and the electronic receipt acquisition unit 24.

The user terminal 120 according to another reference example installs a payment application, which is an application program for performing payment, and a user information registration unit 126 and a payment request unit 127 configured by the installed payment application include a user who includes card information. The information is transmitted to the payment support apparatus 130 and registered in advance, and payment is performed using the user information registered in advance.
The input unit 125 is a device such as a keyboard or a touch panel, and generates an input signal corresponding to an operation. For example, user information or the like is input to the input unit 125.

The user information registration unit 126 receives input of user information including credit card information regarding the user's credit card, and transmits the input user information to the settlement support apparatus 130 for registration.
FIG. 8 is a diagram illustrating an example of user information data registered in the settlement support apparatus 130. The user information includes terminal information and card information. The terminal information is information regarding the user terminal 120 used by the user, and includes a terminal identification ID and an application ID. The terminal identification ID is information for identifying the user terminal 120, and for example, uid which is individual identification information of the mobile phone terminal can be applied. The application ID is information for identifying a payment application installed in the user terminal 120.

  The card information is information related to a credit card used by the user, and includes, for example, information on a card number, an expiration date, sex, age, and name. The card number is information for identifying a credit card used by the user. The expiration date is information indicating the expiration date of the credit card used by the user. The gender is information indicating the gender of the user who uses the credit card. The age is information indicating the age of the user who uses the credit card. The name is information indicating the name of the user who uses the credit card. Here, a plurality of pieces of card information can be associated with one user information. For example, a plurality of credit cards possessed by a certain user can be associated with a payment application, and at the time of payment, any one of the plurality of credit cards can be selected for payment.

The payment request unit 127 transmits a payment request by credit card using the user information registered in the payment support apparatus 130 by the user information registration unit 126 to the payment support apparatus 130.
FIG. 9 is a diagram illustrating an example of data included in the payment request. The payment request includes purchase information and payment information. The purchase information includes a purchase information ID. The purchase information ID is information for identifying purchase information included in the transaction information described with reference to FIG.

  The payment information is information related to a credit card for payment, and includes a member ID, a terminal identification ID, and a use credit card ID. The member ID is information for identifying a user who is a credit card member. The terminal identification ID is information for identifying the user terminal 120 used by the user. Use credit card ID is information which identifies the credit card which a user uses, for example, is a card number.

  Returning to FIG. 7, the payment support apparatus 130 has the same configuration as the payment support apparatus 30 in the first embodiment, and includes a payment processing unit 115, a communication unit 131, an electronic receipt storage unit 133, and an electronic receipt generation unit. 134, a two-dimensional barcode generation unit 135, an electronic receipt transmission unit 137, a user information storage unit 138, and a transaction information storage unit 139. The communication unit 131, the electronic receipt storage unit 133, the electronic receipt generation unit 134, the two-dimensional barcode generation unit 135, and the electronic receipt transmission unit 137 are included in the 30 communication unit 31 in the first embodiment. The receipt storage unit 33, the electronic receipt generation unit 34, the two-dimensional barcode generation unit 35, and the electronic receipt transmission unit 37 have the same configuration.

The settlement processing unit 115 performs settlement processing based on the transaction information and credit card information transmitted from the store terminal 110.
The user information storage unit 138 stores user information transmitted from the user terminal 120.
In the transaction information storage unit 139, transaction information transmitted from the store terminal 110 is stored.

Next, an operation example of the settlement support system 100 according to another reference example will be described with reference to the drawings. FIG. 10 is a diagram illustrating an operation example of the payment support system 100 according to another reference example .
First, the user terminal 120 downloads a payment application for performing payment by the payment support system 100 in accordance with an operation from the user (step S101). The payment application may be stored in the payment support apparatus 130 and transmitted in response to a request from the user terminal 120, or may be transmitted from another server apparatus. The payment application includes the user information registration unit 126 and the payment request unit 127 of the payment support system 100.

  The user information registration unit 126 causes the output unit 122 to display an input screen for user information. The user information registration unit 126 receives user information input to the input unit 125, stores the input user information, and transmits it to the settlement support apparatus 130 (step S102). When receiving the user information transmitted from the user terminal 120, the settlement support apparatus 130 stores the user information in the user information storage unit 138 (step S103).

  When the user determines a product or the like to be purchased at the store, the store employee operates the store terminal 110 to input transaction information such as a product item, number, and price of the product to be purchased by the user. The reception unit 114 of the store terminal 110 receives the input information (step S104). Furthermore, the shop terminal 110 displays a payment method selection screen on the output unit 113. The accepting unit 114 accepts a payment method selection (step S105). Here, when the credit card payment is selected, the transaction information transmitting unit 116 transmits a request for generating a two-dimensional barcode including the transaction information to the settlement support apparatus 130 (step S106). When receiving the two-dimensional barcode generation request transmitted from the store terminal 110, the payment support apparatus 130 stores the transaction information included in the received generation request in the transaction information storage unit 139 (step S107).

  The two-dimensional barcode generation unit 135 generates a two-dimensional barcode including transaction information (step S108), and transmits the generated two-dimensional barcode to the store terminal 110 (step S109). When the two-dimensional barcode receiving unit 117 of the store terminal 110 receives the two-dimensional barcode transmitted from the payment support apparatus 130 (step S110), the two-dimensional barcode receiving unit 117 displays it on the output unit 113 (step S111). The two-dimensional barcode reading unit 123 of the user terminal 120 reads the two-dimensional barcode displayed by the output unit 113 of the store terminal 110, and detects transaction information from the read two-dimensional barcode (step S112). The user terminal 120 displays a confirmation screen for allowing the user to confirm the transaction information (payment details) read by the two-dimensional barcode reading unit 123 (step S113).

  When information indicating that the transaction information has been confirmed by the user is input to the input unit 125, the payment request unit 127 transmits a payment request to the settlement support apparatus 130 (step S114). When the communication unit 131 of the payment support apparatus 130 receives the payment request transmitted from the user terminal 120, the payment processing unit 115 reads out card information corresponding to the payment information included in the payment request from the user information storage unit 138. Further, the settlement processing unit 115 reads out transaction information corresponding to the purchase information included in the payment request from the transaction information storage unit 139. The settlement processing unit 115 is connected to the credit card network system 5 and performs settlement processing based on the read card information and transaction information (step S115).

  When the payment processing by the payment processing unit 115 is completed, the electronic receipt generation unit 134 generates an electronic receipt based on the payment processing result, transaction information stored in the transaction information storage unit 139, and the electronic receipt storage unit 133. (Step S116). The settlement support apparatus 130 transmits the settlement result to the store terminal 110 (Step S117). The store terminal 110 displays the settlement result transmitted from the settlement support apparatus 130 on the output unit 113 (step S118). Thereby, the employee of the store can confirm that the settlement is completed. The electronic receipt transmission unit 137 reads the electronic receipt stored in the electronic receipt storage unit 133 and transmits the electronic receipt to the user terminal 120 (step S119). When receiving the electronic receipt transmitted from the settlement support apparatus 130, the electronic receipt acquisition unit 124 of the user terminal 120 displays the received electronic receipt on the output unit 122 (step S120).

<Implementation form>
Next, a description will be given implementation of the invention. In another reference example , an example in which the settlement support device 130 generates a two-dimensional barcode each time a transaction is performed is shown. In this embodiment, a store terminal that identifies each store terminal for each of the plurality of store terminals. A two-dimensional barcode including identification information is transmitted and stored, and the transaction is identified by the store terminal identification information. In other words, in the present embodiment, the transaction identification information is information for identifying a store terminal of a store that performs a transaction from among a plurality of store terminals. At the time of settlement, the store terminal displays a two-dimensional barcode stored in advance, and the user terminal settles a payment request including the store terminal identification information detected from the two-dimensional barcode displayed on the store terminal and the user information. Send to support device. The settlement support apparatus performs a settlement process in response to the payment request transmitted from the user terminal and issues an electronic receipt. This way, every time you trade. There is no need to generate a two-dimensional barcode, and settlement can be supported with a simpler configuration.

FIG. 11 is a block diagram showing the configuration of the settlement support system 200 according to the present embodiment. The settlement support system 200 has the same configuration as the settlement support system 100 in another reference example. The settlement support system 200 includes a store terminal 210 of a store that conducts transactions with the user, a user terminal 220 of the user, and a store terminal 210. The payment support device 230 is connected to the card company device 6 of the credit card company via the credit card network system 5. Here, the store terminal 210 and the user terminal 220 are each illustrated and described, but the payment support system 100 may include a plurality of store terminals 210 installed in a plurality of companies and stores. Moreover, you may provide the user terminal 220 of the some user who trades in these some stores. The credit card network system 5 and the card company device 6 have the same configuration as in the first embodiment.

The store terminal 210 has the same configuration as the store terminal 110 in another reference example , and includes a communication unit 211, an input unit 212, an output unit 213, a reception unit 214, a transaction information transmission unit 216, a two-dimensional bar. A code receiving unit 217. The communication unit 211, the input unit 212, the output unit 213, the reception unit 214, the transaction information transmission unit 216, and the two-dimensional barcode reception unit 217 are a communication unit included in the store terminal 110 in the second embodiment. 111, the input unit 112, the output unit 113, the reception unit 114, the transaction information transmission unit 116, and the two-dimensional barcode reception unit 117.

The user terminal 220 has the same configuration as that of the user terminal 120 in another reference example , and includes a communication unit 221, an output unit 222, a two-dimensional barcode reading unit 223, an electronic receipt acquisition unit 224, and an input unit 225. , A user information registration unit 226 and a payment request unit 227 are provided. The communication unit 221, the output unit 222, the two-dimensional barcode reading unit 223, the electronic receipt acquisition unit 224, the input unit 225, the user information registration unit 226, and the payment request unit 227 are the second embodiment. Similar to the communication unit 121, the output unit 122, the two-dimensional barcode reading unit 123, the electronic receipt acquisition unit 124, the input unit 125, the user information registration unit 126, and the payment request unit 127 included in the user terminal 120. It is the composition.

The payment request unit 227 transmits a payment request by a credit card using the user information registered in the payment support apparatus 230 by the user information registration unit 226 to the payment support apparatus 230.
FIG. 12 is a diagram illustrating an example of data included in the payment request. The payment request includes POS information and settlement information. The POS information includes a POSID. The POSID is information for identifying the store terminal 210. The payment information is information related to a credit card for payment, and includes a member ID, a terminal identification ID, and a use credit card ID.

Returning to FIG. 11, the settlement support apparatus 230 has the same configuration as the settlement support apparatus 130 in another reference example , and includes a settlement processing unit 215, a communication unit 231, an electronic receipt storage unit 233, and an electronic receipt generation unit 234. A two-dimensional barcode generation unit 235, an electronic receipt transmission unit 237, a user information storage unit 238, and a transaction information storage unit 239. Payment processing unit 215, communication unit 231, electronic receipt storage unit 233, electronic receipt generation unit 234, two-dimensional barcode generation unit 235, electronic receipt transmission unit 237, user information storage unit 238, transaction information The storage unit 239 includes a payment processing unit 115, a communication unit 131, an electronic receipt storage unit 133, an electronic receipt generation unit 134, and a two-dimensional barcode generation unit 135 included in the payment support apparatus 130 in another reference example . The electronic receipt transmission unit 137, the user information storage unit 138, and the transaction information storage unit 139 have the same configuration.

Next, with reference to the drawings, while explaining an operation example of the settlement support system 200 according to the present embodiment, differences from another reference example will be described. FIG. 13 is a diagram illustrating an operation example of the settlement support system 200 according to the present embodiment.
First, the user terminal 220 downloads a payment application for performing payment by the payment support system 200 in accordance with an operation from the user (step S201). The user information registration unit 226 causes the output unit 222 to display an input screen for user information. The user information registration unit 226 receives user information input to the input unit 225, stores the input user information, and transmits the user information to the settlement support apparatus 230 (step S202). When receiving the user information transmitted from the user terminal 220, the settlement support apparatus 230 stores it in the user information storage unit 238 (step S203). The two-dimensional barcode generation unit 235 generates a two-dimensional barcode including the POSID (Step S204), and transmits the generated two-dimensional barcode to the store terminal 210 (Step S205). When receiving the two-dimensional barcode transmitted from the settlement support apparatus 230, the two-dimensional barcode receiving unit 217 of the store terminal 210 stores it in the storage area of the store terminal 210 (step S206).

  When the user determines a product or the like to be purchased in the store, the store employee operates the store terminal 210 and inputs transaction information such as a product item, number, and price of the product to be purchased by the user. The accepting unit 214 of the store terminal 210 accepts the input information (step S207). Furthermore, the store terminal 210 displays a payment method selection screen on the output unit 213. The accepting unit 214 accepts a payment method selection (step S208). Here, when the credit card payment is selected, the transaction information transmitting unit 216 transmits the transaction information to the settlement support apparatus 230 (step S209). When receiving the transaction information transmitted from the store terminal 210, the settlement support device 230 stores the received transaction information in the transaction information storage unit 239 in association with the POSID of the store terminal 210 (step S210).

The store terminal 210 displays the two-dimensional barcode stored in step S206 on the output unit 213 (step S211). The two-dimensional barcode reading unit 223 of the user terminal 220 reads the two-dimensional barcode displayed by the output unit 213 of the store terminal 210 and detects the POSID from the read two-dimensional barcode (Step S212). The payment request unit 227 of the user terminal 220 transmits a payment request including the POSID detected by the two-dimensional barcode reading unit 223 and the user information to the settlement support apparatus 230 (step S213). When the communication unit 231 of the payment support apparatus 230 receives the payment request transmitted from the user terminal 220, the payment processing unit 215 reads card information corresponding to the payment information included in the payment request from the user information storage unit 238. Further, the settlement processing unit 215 reads transaction information corresponding to the POSID included in the payment request from the transaction information storage unit 239. The settlement processing unit 215 is connected to the credit card network system 5 and performs settlement processing based on the read card information and transaction information (step S214).

  When the payment processing by the payment processing unit 215 is completed, the electronic receipt generation unit 234 generates an electronic receipt based on the payment processing result, transaction information stored in the transaction information storage unit 239, and the electronic receipt storage unit 233. (Step S215). The settlement support apparatus 230 transmits the settlement result to the store terminal 210 (Step S216). The shop terminal 210 displays the settlement result transmitted from the settlement support apparatus 230 on the output unit 213 (step S217). Thereby, the employee of the store can confirm that the settlement is completed. The electronic receipt transmission unit 237 reads the electronic receipt stored in the electronic receipt storage unit 233 and transmits it to the user terminal 220 (step S218). When receiving the electronic receipt transmitted from the settlement support apparatus 230, the electronic receipt acquisition unit 224 of the user terminal 220 displays the received electronic receipt on the output unit 222 (step S219).

  As described above, according to the present embodiment, the settlement support apparatus 230 transmits a two-dimensional barcode that identifies the store terminal 210 to the store terminal 210 in advance, and performs settlement based on the two-dimensional barcode. By doing so, it is possible to conduct transactions by credit card payment without generating a two-dimensional barcode each time payment is made.

  In the above-described embodiment, an example is shown in which information is transmitted and received between the store terminal and the user terminal using a two-dimensional barcode. However, depending on the amount of information, a one-dimensional barcode is used instead of the two-dimensional barcode. You can also.

  It should be noted that a program for realizing the function of the processing unit in the present invention is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into a computer system and executed to support settlement. May be. Here, the “computer system” includes an OS and hardware such as peripheral devices. Further, the “computer system” may include a plurality of computer devices connected via a network including a communication line such as the Internet, WAN, LAN, and dedicated line. The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Furthermore, a “computer-readable recording medium” holds a program for a certain period of time, such as a volatile memory (RAM) inside a computer system that becomes a server or client when the program is transmitted via a network. Including things. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, what is called a difference file (difference program) may be sufficient.

  In addition, some or all of the functions described above may be realized as an integrated circuit such as an LSI (Large Scale Integration). Each function described above may be individually made into a processor, or a part or all of them may be integrated into a processor. Further, the method of circuit integration is not limited to LSI, and may be realized by a dedicated circuit or a general-purpose processor. In addition, when an integrated circuit technology that replaces LSI appears due to the advancement of semiconductor technology, an integrated circuit based on the technology may be used.

DESCRIPTION OF SYMBOLS 1 Settlement support system 5 Credit card network system 6 Card company apparatus 10 Store terminal 11 Communication part 12 Input part 13 Output part 14 Reception part 15 Settlement processing part 16 Transaction information transmission part 17 Two-dimensional barcode receiving part 20 User terminal 21 Communication part DESCRIPTION OF SYMBOLS 22 Output part 23 Two-dimensional barcode reading part 24 Electronic receipt acquisition part 30 Payment support apparatus 31 Communication part 32 Payment relay part 33 Electronic receipt memory | storage part 34 Electronic receipt generation part 35 Two-dimensional barcode generation part 36 Electronic receipt acquisition request reception part 37 Electronic Receipt Sending Unit 100 Payment Support System 110 Store Terminal 111 Communication Unit 112 Input Unit 113 Output Unit 114 Accepting Unit 115 Payment Processing Unit 116 Transaction Information Transmitting Unit 117 Two-dimensional Barcode Receiving Unit 120 User Terminal 121 Communication Unit 122 Output Unit 12 Two-dimensional barcode reading unit 124 Electronic receipt acquisition unit 125 Input unit 126 User information registration unit 127 Payment request unit 130 Payment support device 131 Communication unit 132 Payment relay unit 133 Electronic receipt storage unit 134 Electronic receipt generation unit 135 Two-dimensional barcode generation Unit 137 electronic receipt transmission unit 138 user information storage unit 139 transaction information storage unit 200 settlement support system 210 store terminal 211 communication unit 212 input unit 213 output unit 214 reception unit 215 settlement processing unit 216 transaction information transmission unit 217 two-dimensional barcode reception Unit 220 user terminal 221 communication unit 222 output unit 223 two-dimensional barcode reading unit 224 electronic receipt acquisition unit 225 input unit 226 user information registration unit 227 payment request unit 230 settlement support device 231 communication unit 232 settlement relay unit 233 Electronic receipt storage unit 234 Electronic receipt generation unit 235 Two-dimensional barcode generation unit 237 Electronic receipt transmission unit 238 User information storage unit 239 Transaction information storage unit

Claims (4)

Payment support provided with each store terminal of a plurality of stores that conduct transactions with the user, the user terminal of the user that can communicate with each store terminal, and a payment support device that can communicate with each store terminal and the user terminal A system,
The shop terminal includes a storage unit for memorize a two-dimensional bar code containing each store terminal identification information transmitted to each of the store terminal,
Receiving unit that receives the input of the argument information collected by the (214),
When the transaction information is input to the reception unit, an output unit (213) that outputs a two-dimensional barcode including transaction identification information that identifies which store terminal the transaction belongs to;
A transaction information transmitting unit (216) for transmitting the transaction information to the settlement support device,
The user terminal includes a two-dimensional barcode reading unit (223) that reads the two-dimensional barcode output from the store terminal;
An electronic receipt acquisition unit (224) for receiving an electronic receipt transmitted from the electronic receipt transmission unit of the payment support apparatus;
Branch 払要 determined unit transaction identification information and user identification information read by the two-dimensional bar code reading section is transmitted to the payment support terminal at least payment request contained a (227) comprises a,
The payment support apparatus includes a user information storage unit (238) that stores user information related to the payment of the user;
A transaction information storage unit (239) for storing the transaction information;
An electronic receipt storage unit (233) that stores an electronic receipt corresponding to the transaction in association with the transaction identification information;
An electronic receipt generation unit (234) that generates an electronic receipt based on the transaction information transmitted from the store terminal and stores the electronic receipt in the electronic receipt storage unit;
An electronic receipt transmission unit (237) that reads out the electronic receipt associated with the transaction identification information included in the payment request from the electronic receipt storage unit, and transmits the read electronic receipt to the user terminal;
A payment processing unit (215) which performs settlement processing based on said user information corresponding to the user identification information, wherein included in the transaction information and the payment request corresponding to said transaction identification information included in the payment request,
A payment support system comprising: Each of the plurality of store terminals, a storage unit for memorize a two-dimensional bar code including a store terminal identification information of each store,
And a receiving unit that receives the input of the argument information collected,
When the transaction information is input to the receiving unit, and an output unit for outputting a two-dimensional bar code included store terminal identification information for identifying whether the transaction is of any of the store terminal (POSID) is,
A transaction information transmitter for transmitting the transaction information to a payment support device;
A store terminal comprising:
A two-dimensional barcode reading unit (223) for reading the two-dimensional barcode output from the store terminal;
An electronic receipt acquisition unit (224) for transmitting an electronic receipt acquisition request for receiving an electronic receipt transmitted from the electronic receipt transmission unit of the payment support device to the payment support device;
A store terminal identification information read by the two-dimensional bar code reading section, payment information and the user terminal with a payment request unit (227) for transmitting the supporting 払要 determined contained at least in the settlement support terminal, capable of communicating in a payment support A device,
A user information storage unit (238) for storing card information relating to payments made using the user terminal ;
A transaction information storage unit (239) for storing the transaction information in association with store terminal identification information of a store terminal that is a transmission source of the transaction information;
An electronic receipt storage unit (233) for storing an electronic receipt corresponding to the transaction in association with each store terminal identification information;
An electronic receipt generation unit (234) for generating an electronic receipt based on the transaction information transmitted from each store terminal and storing the electronic receipt in the electronic receipt storage unit;
An electronic receipt transmission unit that reads the electronic receipt associated with the store terminal identification information included in the payment request from the electronic receipt storage unit (233) and transmits the read electronic receipt to the user terminal (220). (237),
The reading corresponding to the card information to the supporting 払要 settlement information included in calculated from the user information storage unit, the previous SL transaction information that corresponds to the store terminal identification information included in the payment request transaction information storage unit (239 ) , A payment processing unit (215) that performs a payment process based on the read transaction information and the card information;
A settlement support apparatus comprising: A payment support program for causing a computer to operate as the payment support apparatus according to claim 2, wherein the computer functions as each unit included in the payment support apparatus. And the store terminal of the store to perform a transaction with a user, and the user terminal of the user, a communicable with the store terminal in each store terminal identification information for identifying the shop, correlated electronic receipt corresponding to the transaction A payment support method in which each of the devices of the payment support system including the payment support device including the electronic receipt storage unit that is stored in the memory executes the following steps (1) to (8).
(1) The user terminal transmits user information;
(2) the payment support device storing the user information;
(3) the store terminal, sending the step of accepting input transaction information relating to the content of the transaction, the transaction information is entered, the payment support device,
(4) The payment support device receives and stores the transaction information transmitted from the store terminal;
(5) The store terminal outputs a two- dimensional barcode including the store terminal identification information received from the settlement support device to a user terminal;
(6) read-dimensional bar code by the user terminal is output from the store terminal, and transmitting the payment support apparatus,
(7) the payment support apparatus, comprising the steps of receiving a supporting 払要 determined to be transmitted from the user terminal, performs the settlement processing from the transaction information transmitted from the two-dimensional bar code and store terminal based on the payment request, Generating an electronic receipt based thereon and storing it in the electronic receipt storage unit;
(8) The settlement support apparatus reads the generated electronic receipt from the electronic receipt storage unit in response to the payment request transmitted from the user terminal, and transmits the read electronic receipt to the user terminal. Step.

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