JP7653460B2 - Information processing device, information processing method, and program - Google Patents

Description

The present invention relates to an information processing device, an information processing method, and a program.

In commercial transactions in which a customer pays for the provision of goods or services, various technologies have been proposed for issuing electronic receipts to customers indicating the details of the commercial transaction. For example, Patent Literature 1 discloses an information processing device that transmits an electronic receipt indicating the details of the return process to a customer's mobile terminal.

JP 2019-50052 A

However, in the information processing device described in Patent Document 1, the electronic receipt service available at each store differed, and if a user wanted to use an electronic receipt service for which he or she was not registered, he or she had to register as a member each time. Therefore, there was room for improvement in terms of user convenience.

The present invention has been made in consideration of the above-mentioned circumstances, and aims to provide an information processing device, an information processing method, and a program that can improve user convenience.

In order to achieve the above object, an information processing device according to a first aspect of the present invention comprises:
a payment processing information acquiring means for acquiring payment processing information including payment information including amount information of the item to be purchased and information on a payment method presented by a user;
a payment processing means for carrying out the payment of a user identified by specific information that uniquely identifies the user who executes the payment, the specific information being included in the information of the payment means acquired by the payment processing information acquisition means, via a payment network;
an encryption means for encrypting the specific information to generate identification information;
a payment result information generating means for generating payment result information including the identification information and indicating that the payment has been made normally;
a payment result information sending means for sending the payment result information created by the payment result information creating means;
an electronic receipt acquiring means for acquiring an electronic receipt corresponding to the payment result information transmitted by the payment result information transmitting means;
a destination specifying means for specifying the specific information corresponding to the identification information by referring to a specific information database in which the identification information and the specific information are stored in association with each other based on the identification information included in the electronic receipt acquired by the electronic receipt acquiring means, and for specifying the destination corresponding to the specific information by referring to a correspondence information database in which the identification information and the destination are stored in association with each other;
an electronic receipt transmitting means for transmitting the electronic receipt to the destination specified by the destination specifying means;
Equipped with.

the encryption means applies a one-way function to the specific information to generate the identification information;
This may be done.

In order to achieve the above object, an information processing method according to a second aspect of the present invention comprises:
An information processing method by an information processing device,
a payment processing information acquisition step of acquiring payment processing information including payment information including amount information of the item to be purchased and information on a payment method presented by a user;
a payment processing step of performing, via a payment network, the payment of a user identified by specific information that uniquely identifies the user who executes the payment, the specific information being included in the information of the payment means acquired in the payment processing information acquisition step;
an encryption step of encrypting the specific information to generate identification information;
a payment result information creating step of creating payment result information including the identification information and indicating that the payment has been successfully made;
a payment result information sending step of sending the payment result information created in the payment result information creating step;
an electronic receipt acquiring step of acquiring an electronic receipt corresponding to the payment result information transmitted in the payment result information transmitting step;
a destination specifying step of specifying the specific information corresponding to the identification information by referring to a specific information database in which the identification information and the specific information are stored in association with each other based on the identification information included in the electronic receipt obtained in the electronic receipt obtaining step, and specifying the destination corresponding to the specific information by referring to a correspondence information database in which the identification information and the destination are stored in association with each other ;
an electronic receipt transmitting step of transmitting the electronic receipt to the destination specified in the destination specifying step;
Equipped with.

In order to achieve the above object, a program according to a third aspect of the present invention comprises:
Computer,
a payment processing information acquiring means for acquiring payment processing information including payment information including amount information of the item to be purchased and information on a payment method presented by a user;
a payment processing means for performing, via a payment network, the payment of a user identified by specific information that is included in the information of the payment means acquired by the payment processing information acquisition means and that uniquely identifies the user who executes the payment, and that has details indicated by the payment processing information;
an encryption means for encrypting the specific information to generate identification information;
a payment result information generating means for generating payment result information including the identification information and indicating that the payment has been made normally;
a payment result information sending means for sending the payment result information created by the payment result information creating means;
an electronic receipt acquiring means for acquiring an electronic receipt corresponding to the payment result information transmitted by the payment result information transmitting means;
a destination specifying means for specifying the specific information corresponding to the identification information by referring to a specific information database in which the identification information and the specific information are stored in association with each other based on the identification information included in the electronic receipt acquired by the electronic receipt acquiring means, and for specifying the destination corresponding to the specific information by referring to a correspondence information database in which the identification information and the destination are stored in association with each other ;
an electronic receipt transmitting means for transmitting the electronic receipt to the destination specified by the destination specifying means;
Function as.

The present invention can improve user convenience.

FIG. 1 is a block diagram illustrating an example of an information processing system. FIG. 1 is a block diagram illustrating an example of an information processing device. FIG. 11 is an explanatory diagram showing an example of a destination information list. FIG. 11 is an explanatory diagram illustrating an example of a token information list. FIG. 4 is an explanatory diagram illustrating an example of electronic receipt information. 11 is a flowchart illustrating an example of a process of an information system. FIG. 11 is an explanatory diagram showing a display example of an electronic receipt. 13 is a flowchart illustrating an example of processing of an information processing system according to a modified example. FIG. 11 is an explanatory diagram showing an example of registration of destination information. FIG. 11 is an explanatory diagram showing an example of registration of destination information. FIG. 13 is a block diagram showing an example of an information processing system according to a modified example.

(Embodiment)
An information processing device, an information processing method, and a program according to an embodiment of the present invention will be described in detail with reference to the drawings. In the drawings, the same or corresponding parts are denoted by the same reference numerals. In the following, the information processing device of the present invention will be described using an example in which it is applied to an information processing system 1 shown in FIG.

As shown in FIG. 1, in the information processing system 1, the store terminal 20, the store payment terminal 7, the consumer terminal 200, and the information processing device 100 are each connected to be able to communicate with each other via a network 210 such as the Internet. In the illustrated example, the store terminal 20, the store payment terminal 7, and the consumer terminal 200 are each shown as being singular, but there may be multiple of them.

As shown in FIG. 1, the store terminal 20 is an information terminal connected to the network 210. The store terminal 20 is an information terminal (so-called computer) such as a mobile phone, smartphone, tablet, or PC (Personal Computer) of a store (including an online shop), and can transmit and receive various data with the information processing device 100 via the network 210. The network 210 is a payment network through which payment messages are distributed, and may be a closed network independently constructed by a telecommunications carrier. The store terminal 20 and the store payment terminal 7 have the function of a POS (Point of sale system) register that settles the purchase amount according to the product purchased by the user at the store and shares information such as sales information between other stores, and are operated by store employees. A POS application with POS register functions is pre-installed on the store terminal 20 and the store payment terminal 7, and a company code that identifies the company that operates the store, a store code that identifies the store, and a terminal number that identifies the store terminal 20 and the store payment terminal 7 are pre-stored.

Specifically, the store terminal 20 has a function of instructing the store payment terminal 7 to start payment processing based on the input of payment information by an employee of the store. The input of payment information may be performed, for example, by reading a barcode attached to the product or by inputting the product price. The store terminal 20 also has a function of creating an electronic receipt based on successful payment for the product and sending it to the information processing device 100. The store terminal 20 may also be operated by the consumer.

The store payment terminal 7 is an information terminal connected to the network 210 as shown in FIG. 1. The store payment terminal 7 has a function to read, for example, credit card information and two-dimensional codes for payment, and reads the card number of a credit card from a credit card presented by a user to a salesperson, and reads a two-dimensional code from a consumer terminal 200 presented by the user. The store payment terminal 7 may have various functions, such as a function as an IC card reader that reads a credit card, which is an IC (Integrated Circuit) card, a function as a magnetic card reader that reads a credit card, which is a magnetic card, and a function to read a two-dimensional code. The store payment terminal 7 may also be capable of handling payments using short-range wireless communication by the consumer terminal 200, such as NFC (Near Field Communication) payments.

The store payment terminal 7 has a function to start payment processing in response to a request from the store terminal 20, read the credit card or two-dimensional code information presented by the user, and request payment processing from the information processing device 100. As will be described in detail later, the store payment terminal 7 has a function to create payment information based on the request information from the store terminal 20, a function to read the credit card presented by the user or the two-dimensional code displayed on the consumer terminal 200, and a function to send payment processing information including the payment information and the user information read from the credit card or two-dimensional code to the information processing device 100.

The consumer terminal 200 is an information terminal such as a smartphone, tablet, or PC carried by a user, and is capable of sending and receiving various data with the information processing device 100 via the network 210.

The consumer terminal 200 has the function of displaying the two-dimensional code required for payment by launching a pre-stored application, and the function of receiving and displaying an electronic receipt from the information processing device 100.

The information processing device 100 is an information terminal such as a smartphone, tablet, or PC, and is capable of transmitting and receiving various data to the store terminal 20, the store payment terminal 7, and the consumer terminal 200 via the network 210. The information processing device 100 provides a service of transmitting electronic receipts corresponding to payments at various stores to the user, who is a consumer. For ease of understanding, this embodiment will be described using an example of payment by credit card, but this is not limited to credit cards and may be, for example, two-dimensional code or NFC payment.

Next, the configuration of the information processing device 100 will be described with reference to FIG. 2. As shown in FIG. 2, the information processing device 100 includes a memory unit 110, a control unit 120, an input/output unit 130, a communication unit 140, and a system bus (not shown) that interconnects these units.

The memory unit 110 includes a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The ROM stores a program 111 executed by the CPU (Central Processing Unit) of the control unit 120, various data (not shown) required in advance to execute the program 111, a destination information list 112, a token information list 113, payment result information 114, and electronic receipt information 115.

Program 111 is a program that executes the processing of the information processing device described below, and is pre-stored in memory unit 110.

As shown in FIG. 3, the destination information list 112 is a list showing the correspondence between the cashless ID used by each consumer and the destination information to which the electronic receipt is to be sent, and is stored in advance in the storage unit 110. The cashless ID and destination information may be stored as the destination information list 112 by inputting the cashless ID and destination information to the consumer terminal 200 of the consumer user. For example, the cashless ID may be registered when the use of the electronic receipt service is started. The cashless ID includes a credit card number, an electronic money card number, a payment ID for electronic payment, etc. The destination information includes an email address and a telephone number. The destination information may be a general-purpose point ID, a membership ID, etc.

As shown in FIG. 4, the token information list 113 is a list showing the correspondence between the cashless ID and the token information, and is stored in the storage unit 110 by performing the process of step S16 in FIG. 6. The token information is information obtained by tokenizing the cashless ID. Since the cashless ID is highly confidential information, adding it to the information transmitted and received when creating an electronic receipt as it is causes a problem in terms of ensuring security. Therefore, in this embodiment, the cashless ID is tokenized, and the token information is added and transmitted without significantly changing the existing store system, thereby ensuring security for the cashless ID. Note that the tokenization of the cashless ID may be performed by, for example, encrypting the cashless ID in a reversible format using a pair of different pair keys used for encryption and decryption, or by encrypting the cashless ID in an irreversible format using a one-way function such as a hash function. Note that in this embodiment, since the token information is encrypted in an irreversible format, the token information list 113 is stored in order to identify the cashless ID from the token information, but if the token information is encrypted in a reversible format, the token information list 113 does not need to be stored. In this case, the cache ID can be identified by decrypting the tokenized cache ID, i.e., the token information. Note that the cashless ID corresponds to the identification information, and the token information corresponds to the identification information.

The payment result information 114 shown in FIG. 2 is information indicating the processing result of the payment process. For example, in the case of a credit card payment, the information processing device 100 connects to a credit card network system (not shown), performs authorization processing, payment processing, etc., and receives the processing result. The payment result information 114 is the processing result of the authorization processing, payment processing, etc. received from the credit card network system.

As shown in FIG. 5, the electronic receipt information 115 is a list of information to be added to the electronic receipt, and is stored in the memory unit 110 upon receiving it from the store terminal 20.

As shown in the figure, electronic receipt information 115 is information that indicates the correspondence between token information, product details information, and cashless receipt information. Product details information includes the purchased product item, quantity, amount, total payment (purchase) amount, etc. Cashless receipt information includes the slip number, terminal number, card issuer, expiration date, transaction details, payment category, etc.

The control unit 120 is composed of a CPU, an ASIC (Application Specific Integrated Circuit), etc. The control unit 120 operates according to the program 111 stored in the memory unit 110, and executes processing according to the program 111. The control unit 120 has a payment processing unit 121, a token management unit 122, and an electronic receipt processing unit 123 as main functional units provided by the program 111 stored in the memory unit 110.

The payment processing unit 121 is a functional unit that performs payment processing based on receiving payment processing information from the store payment terminal 7. Specifically, the payment processing unit 121 has a function of connecting to a credit card network system, performing authorization processing and payment processing, and registering the payment result in the memory unit 110. Note that the payment processing information corresponds to the payment information, and the payment processing unit 121 that receives the payment processing information and the step of receiving the payment processing information correspond to a payment information acquisition means and a payment information acquisition step, respectively.

The token management unit 122 is a functional unit that tokenizes the cashless ID. Specifically, the token management unit 122 has a function of tokenizing the cashless ID of a payment for which a payment process has been performed to generate token information, and a function of generating payment result information by associating the generated token information with the payment result, and transmitting the information to the store payment terminal 7.

The electronic receipt processing unit 123 is a functional unit that identifies the destination of the electronic receipt and transmits the electronic receipt to the identified destination. Specifically, the electronic receipt processing unit 123 has a function of identifying a cashless ID from token information included in the received electronic receipt information, a function of identifying a destination from destination information corresponding to the identified cashless ID, and a function of transmitting the electronic receipt to the identified destination.

The input/output unit 130 is composed of a keyboard, mouse, camera, microphone, liquid crystal display, organic EL (Electro-Luminescence) display, etc., and is a device for inputting and outputting various types of data.

The communication unit 140 is a device that enables the information processing device 100 to communicate with other information terminals, such as the store terminal 20, the store payment terminal 7, and the consumer terminal 200, via the network 210.

These functional units work together to enable the information processing device 100 to provide the function of sending electronic receipts to the user corresponding to each payment made at various stores.

The above is the configuration of the information processing device 100. Next, the operation of the information processing system 1 will be described. FIG. 6 is a flowchart showing an example of the processing of the information system. Note that in this example, the following description will be given taking as an example a case where a user purchases one carrot for 100 yen with a credit card. The processing of the information system is executed in response to the initiation of processing on the store terminal 20 by an employee of the store operating the store terminal.

When the store terminal process is started, the store terminal 20 executes a payment initiation process to input information about the product to be purchased (step S11). Specifically, in the process of step S11, the store terminal 20 inputs product information such as the item, quantity, and price of the product to be purchased by, for example, reading a barcode. When the product information is read by the payment initiation process, the company code, store code, terminal number, etc. are added to the product information, and the product information is sent to the store payment terminal 7 as request information.

When the request information is received, the store payment terminal 7 starts processing the store payment terminal. In the processing of the store payment terminal, first, the store payment terminal 7 creates payment information (step S12). Specifically, in the processing of step S12, the store payment terminal 7 creates payment information including the item, quantity, amount, company code, store code, terminal number, etc. of the product to be purchased based on the request information.

When the processing of the store terminal is started, the consumer selects a payment method. In this embodiment, an example of payment by credit card is shown as described above, but there is also a case where payment is made by starting an application stored in advance in the consumer terminal 200 to display a two-dimensional code and reading it with the store payment terminal (two-dimensional code payment). In this case, as shown in the figure, processing 1 of the consumer terminal is started by an input operation of the consumer user, and a payment method is selected by the user's input operation (step S13), and processing 1 of the consumer terminal is terminated. Specifically, in step S13, a selection operation of the user selects to display a two-dimensional code on the consumer terminal 200 and make a payment. Note that a case where a selection operation of the user selects to read a two-dimensional code installed in a store and make a payment will be described later. Note that when payment is made by a physical credit card, processing 1 of the consumer terminal is not performed. On the other hand, when NFC payment is made by a credit card built into the consumer terminal 200, processing 1 of the consumer terminal is performed, and NFC payment is selected in the processing of step S13.

After executing the process of step S12, the store payment terminal 7 reads the information of the credit card or two-dimensional code (step S14). Specifically, in the process of step S14, the consumer payment information including the cashless ID is read. The information read in the process of step S14 is added with payment information and is sent to the information processing device 100 as payment processing information.

When the payment processing information is received, the information processing device 100 starts processing of the information processing device. When processing of the information processing device is started, the control unit 120 of the information processing device 100 first performs payment processing using the function of the payment processing unit 121 (step S15). Specifically, in the processing of step S15, the payment processing unit 121 connects to a credit card network system, performs authorization processing and payment processing based on the payment processing information, and receives the processing results.

After executing the process of step S15, the control unit 120 uses the function of the token management unit 122 to tokenize the cashless ID of the consumer who made the payment and generate token information (step S16). Specifically, in the process of step S16, the token management unit 122 applies a predetermined hash function to the cashless ID included in the received processing result to tokenize it, and stores the token information in the memory unit 110 as a token information list 113 in association with the cashless ID. Note that the token management unit 122 that executes the process of step S16 corresponds to an encryption means.

After executing the process of step S16, the control unit 120 creates payment result information using the function of the token management unit 122 (step S17) and transmits the created payment result information to the store payment terminal 7. Specifically, in the process of step S17, the token management unit 122 generates payment result information by associating the token information generated in the process of step S16 with the received processing result, and transmits the generated payment result information to the store payment terminal 7. Note that the processing result includes the cashless receipt information shown in FIG. 5. Furthermore, the token management unit 122 that executes the process of step S17 corresponds to a payment result information creation means and a payment result information transmission means.

The store payment terminal 7 that has received the payment result information transfers the received payment result information to the store terminal 20 (step S18), and the processing of the store payment terminal 7 ends. Note that, in the illustrated example, the payment result information is sent from the information processing device 100 to the store terminal 20 via the store payment terminal 7, but it may also be sent directly from the information processing device 100 to the store terminal 20 without passing through the store payment terminal 7, i.e., without carrying out the processing of step S18.

Here, we will explain the case where a payment is made by reading a two-dimensional code installed in a store. In this case, the payment method of reading a two-dimensional code installed in a store is selected in the process of step S13. Then, the two-dimensional code is read by a camera built into the consumer terminal 200, and the user inputs the payment amount. That is, when a payment is made by reading a two-dimensional code installed in a store in this way, the processes of steps S12 to S14 are performed on the consumer terminal 200 side, not on the store payment terminal 7. Therefore, when the payment amount is input to the consumer terminal 200 and a payment operation is performed, the payment processing information is transmitted from the consumer terminal 200 to the information processing device 100. In this way, when a payment is made by reading a two-dimensional code installed in a store, the process is performed on the consumer terminal 200 side, not on the store payment terminal 7, so the process of step S18 is not performed, and the payment result information is transmitted directly from the information processing device 100 to the store terminal 20.

When the payment result information is received from the store payment terminal 7, the store terminal 20 creates electronic receipt information (step S19). Specifically, in the process of step S19, the store terminal 20 associates the received payment result information with the product information to create electronic receipt information 115 shown in FIG. 5 and transmits it to the information processing device 100. The electronic receipt information 115 transmitted from the store terminal 20 is stored in the memory unit 110 of the information processing device 100.

On the information processing device 100 side, the control unit 120 uses the function of the electronic receipt processing unit 123 to identify a cashless ID based on the received electronic receipt information 115 (step S20). Specifically, in the process of step S20, the electronic receipt processing unit 123 refers to the token information list 113 stored in the storage unit 110 and identifies a cashless ID corresponding to the token information included in the electronic receipt information 115. Note that the electronic receipt processing unit 123 that receives the electronic receipt information 115 and executes the process of step S20, and the process of step S20 correspond to an electronic receipt acquisition means and an electronic receipt acquisition step.

After executing the process of step S20, the control unit 120 uses the function of the electronic receipt processing unit 123 to identify the destination (step S21). Specifically, in the process of step S21, the electronic receipt processing unit 123 refers to the destination information list 112 stored in the storage unit 110 and identifies the destination corresponding to the cashless ID identified in the process of step S20. Note that the electronic receipt processing unit 123 that executes the process of step S21 and step S21 correspond to the destination identification means and the destination identification step. Also, the token information list 113 and the destination information list 112 correspond to the correspondence information.

After executing the process of step S21, the control unit 120 transmits the electronic receipt information 115 using the function of the electronic receipt processing unit 123 (step S22). Specifically, in the process of step S22, the electronic receipt processing unit 123 transmits the electronic receipt information 115 received from the store terminal 20 to the destination specified in the process of step S21. Note that the electronic receipt processing unit 123 that executes the process of step S22 and step S22 correspond to an electronic receipt transmitting means and an electronic receipt transmitting step.

When the consumer terminal 200 receives the electronic receipt information, it starts processing 2 on the consumer terminal. When processing 2 on the consumer terminal starts, the consumer terminal 200 displays the electronic receipt information received from the information processing device 100 (step S23), and ends processing 2 on the consumer terminal. Specifically, in the processing of step S23, the consumer terminal displays the electronic receipt information in a format as shown in FIG. 7. Note that, although the illustrated example shows an example in which the product information and the cashless receipt information are integrated, they may be displayed separately.

Returning to FIG. 6, when the electronic receipt information is successfully sent to the consumer terminal 200 in the process of step S22, the control unit 120 creates result data using the function of the electronic receipt processing unit 123 (step S24) and ends the process of the information processing device. Specifically, in the process of step S24, the electronic receipt processing unit 123 generates result data indicating that the electronic receipt information has been successfully sent and sends it to the store terminal 20.

After executing the process of step S19, the store terminal 20 executes a process to determine whether or not the result data has been received (step S25). If it determines that the result data has not been received (step S25; No), it waits until it is received. In addition, if the process of step S24 is executed and it is determined in the process of step S25 that the result data has been received (step S25; Yes), the store terminal 20 ends the process of the store terminal.

The above is the operation of the information processing system 1. In this way, by previously registering the cashless ID in association with the destination information, electronic receipts corresponding to each payment at various stores can be sent to the consumer user, improving user convenience. In addition, by tokenizing the cashless ID, security can be ensured without adding the cashless ID itself to the information sent and received when creating the electronic receipt.

(Modification)
It should be noted that the present invention is not limited to the above embodiment, and various modifications and applications are possible. For example, the information processing device 100 according to the above embodiment does not need to have all the technical features described above, and may have some of the configurations described in the above embodiment so as to solve at least one problem in the prior art. In addition, at least a part of each of the following modifications may be combined.

In the above embodiment, the destination information list 112 is stored in advance in the storage unit 110 of the information processing device 100, so an example has been shown in which the destination can be identified in the processing of step S21 in FIG. 6. However, for example, if the cashless ID corresponding to the destination information list 112 is not stored, or if the destination information list 112 has not been stored, the destination cannot be identified in the processing of step S21. The processing in this case will be described with reference to FIG. 8.

The process of step S20 in FIG. 8 is the same as the process of step S20 in FIG. 6. After identifying the cashless ID in the process of step S20, the control unit 120 determines whether or not the destination has been identified using the function of the electronic receipt processing unit 123 (step S30). If the destination has been identified (step S30; Yes), the process proceeds to step S22 in FIG. 6.

On the other hand, if the destination cannot be identified (step S30; No), that is, if the cashless ID corresponding to the token information identified in the processing of step S20 is not stored in the destination information list 112, the control unit 120 creates two-dimensional code receipt information using the function of the electronic receipt processing unit 123 (step S31). Specifically, in the processing of step S31, the electronic receipt processing unit 123 creates a two-dimensional code that includes a URL or the like for referencing the electronic receipt information 115.

After executing the process of step S31, the control unit 120 creates result data using the function of the electronic receipt processing unit 123 (step S24A). Specifically, in the process of step S24A, the electronic receipt processing unit 123 creates result data indicating that the two-dimensional code receipt information has been created, and transmits this to the store terminal 20 together with the two-dimensional code receipt information.

On the store terminal 20 side, a process of determining whether or not the result data has been received is performed, similar to the process of step S25 in FIG. 6. Therefore, by performing the process of step S24A, the process of step S25 is determined as Yes. Note that if it is determined that the result data has not been received (step S25; No), the process waits until the result data is received.

If it is determined in the processing of step S25 that result data has been received (step S25; Yes), the store terminal 20 determines whether or not two-dimensional code receipt information has been received (step S32). If it is determined that two-dimensional code receipt information has not been received (step S32; No), the store terminal 20 ends the processing.

On the other hand, if it is determined that two-dimensional code receipt information has been received (step S32; Yes), the store terminal 20 displays the received two-dimensional code receipt information (step S33) and ends the process when the store employee performs an operation to end the display.

The two-dimensional code receipt information displayed in the process of step S33 is read by the consumer terminal 200. Therefore, on the consumer terminal 200 side, the camera is activated by the operation of the consumer user, and consumer terminal process 3 is started. When consumer terminal process 3 is started, the consumer terminal 200 reads the two-dimensional code receipt information displayed on the store terminal 20 (step S34). Specifically, in the process of step S34, the camera activated by the user's operation reads the URL of the two-dimensional code receipt information, and transmits request information requesting the display of electronic receipt information 115 to the information processing device 100.

On the information processing device 100 side, when the request information is received, as shown in FIG. 9, the electronic receipt information is displayed on the consumer terminal 200, and an automatic link setting display (an automatic link registration button shown in the figure) is displayed (step S35). Note that in the process of step S35, as shown in the figure, a download button that allows the electronic receipt information to be downloaded as a PDF (Portable Document Format) is also displayed.

Next, automatic link setting is performed by the user's operation on the consumer terminal 200 side (step S36), and the consumer terminal 200 ends processing 3 of the consumer terminal. In the processing of step S36, the user taps the automatic link setting registration button shown in FIG. 9, which causes the screen to transition to the destination registration screen shown in FIG. 9, and the destination information to be registered is input. When the processing of step S36 is performed, the destination information input by the user is transmitted to the information processing device 100 together with the token information contained in the electronic receipt information 115. Note that if the automatic link setting registration button is not tapped and the user performs an end operation, the processing ends as it is. Also, if the download button is tapped, a PDF of the electronic receipt information may be downloaded from the information processing device 100.

When the information processing device 100 receives the destination information and token information, the control unit 120, using the function of the electronic receipt processing unit 123, refers to the token information list 113 and identifies the cashless ID that corresponds to the received token information (step S37).

After executing the process of step S37, the control unit 120 adds the received destination information to the destination information list 112 in association with the cashless ID identified in the process of step S37, and ends the process.

In this way, even if the destination cannot be identified in the processing of step S21 in FIG. 6, the two-dimensional code receipt information can be displayed and the destination can be registered accordingly, so that the electronic receipt information will be sent automatically thereafter without the need to turn on the camera to check it. This improves user convenience. Also, since the destination information is registered based on the token information without the need to send the cashless ID separately, security can be ensured.

In the above embodiment, an example was shown in which the cashless ID and destination information are stored in advance in the storage unit 110 as the destination information list 112 by the consumer user's input operation on the consumer terminal 200, but this is just one example. The destination information may be registered, for example, through an application that is launched when the consumer user makes a two-dimensional code payment, as shown in FIG. 10.

Specifically, as shown in FIG. 10, after the XX app, which is a two-dimensional code payment application, is launched, an electronic receipt usage registration button is displayed, and when the electronic receipt usage registration button is tapped, a registration screen is displayed for registering the user's cashless ID (CID in the illustrated example) and destination information. Then, when the registration button is tapped, the cashless ID and destination information are registered in the destination information list 112.

In the above embodiment, the information processing device 100 has the functions of the payment processing unit 121, the token management unit 122, and the electronic receipt processing unit 123, but this is just one example. The functions of the payment processing unit 121, the token management unit 122, and the electronic receipt processing unit 123 may be provided in different information processing devices. Specifically, as shown in FIG. 11, each functional unit may be provided in a different information processing device, such as an information processing device 100A having the function of the payment processing unit 121, an information processing device 100B having the function of the token management unit 122, and an information processing device 100C having the function of the electronic receipt processing unit 123. In addition, any two of the functions of the payment processing unit 121, the token management unit 122, and the electronic receipt processing unit 123 may be provided in one information processing device, and another information processing device may have the remaining one function.

In addition, in the above embodiment, since the token information is encrypted in an irreversible format, the token information list 113 is stored in order to identify the cashless ID from the token information, but if the token information is encrypted in a reversible format, the token information list 113 does not need to be stored. In this case, the cashless ID can be identified by decrypting the tokenized cashless ID, i.e., the token information. Specifically, in the process of step S20 in FIG. 6, the cashless ID can be identified by decrypting the token information.

In addition, in the above embodiment, it has been described that the operation is performed via the store terminal 20, but it is not limited to the store terminal 20, and it may be, for example, any terminal connected to a POS (Point of Sales), and may be a consumer terminal 200 if connected to a POS.

The information processing device 100 according to the above embodiment can be realized using a normal computer, not a dedicated device. For example, the information processing device 100 that executes the above-mentioned processes may be configured by installing a program for executing any of the above-mentioned processes on a computer from a recording medium storing the program on the computer. Also, one information processing device 100 may be configured by multiple computers operating in cooperation with each other.

In addition, when the above-mentioned functions are realized by sharing the functions between an OS (Operating System) and an application, or by cooperation between an OS and an application, only the parts other than the OS may be stored on the medium.

It is also possible to superimpose the program on a carrier wave and distribute it over a communications network. For example, the program may be posted on a bulletin board (BBS, Bulletin Board System) on the communications network and distributed over the network. These programs may then be started and run under the control of the operating system in the same way as other application programs, thereby enabling the above-mentioned processing to be performed.

1 Information processing system, 7 Store payment terminal, 20 Store terminal, 100 Information processing device, 110 Storage unit, 111 Program, 112 Destination information list, 113 Token information list, 114 Payment result information, 115 Electronic receipt information, 120 Control unit, 121 Payment processing unit, 122 Token management unit, 123 Electronic receipt processing unit, 130 Input/output unit, 140 Communication unit, 200 Consumer terminal, 210 Network

Claims (4)

a payment processing information acquiring means for acquiring payment processing information including payment information including amount information of the item to be purchased and information on a payment method presented by a user;
a payment processing means for carrying out the payment of a user identified by specific information that uniquely identifies the user who executes the payment, the specific information being included in the information of the payment means acquired by the payment processing information acquisition means, via a payment network;
an encryption means for encrypting the specific information to generate identification information;
a payment result information generating means for generating payment result information including the identification information and indicating that the payment has been made normally;
a payment result information sending means for sending the payment result information created by the payment result information creating means;
an electronic receipt acquiring means for acquiring an electronic receipt corresponding to the payment result information transmitted by the payment result information transmitting means;
a destination specifying means for specifying the specific information corresponding to the identification information by referring to a specific information database in which the identification information and the specific information are stored in association with each other based on the identification information included in the electronic receipt acquired by the electronic receipt acquiring means, and for specifying the destination corresponding to the specific information by referring to a correspondence information database in which the identification information and the destination are stored in association with each other;
an electronic receipt transmitting means for transmitting the electronic receipt to the destination specified by the destination specifying means;
An information processing device comprising: the encryption means applies a one-way function to the specific information to generate the identification information;
The information processing device according to claim 1 . An information processing method by an information processing device,
a payment processing information acquisition step of acquiring payment processing information including payment information including amount information of the item to be purchased and information on a payment method presented by a user;
a payment processing step of performing, via a payment network, the payment of a user identified by specific information that uniquely identifies the user who executes the payment, the specific information being included in the information of the payment means acquired in the payment processing information acquisition step;
an encryption step of encrypting the specific information to generate identification information;
a payment result information creating step of creating payment result information including the identification information and indicating that the payment has been successfully made;
a payment result information sending step of sending the payment result information created in the payment result information creating step;
an electronic receipt acquiring step of acquiring an electronic receipt corresponding to the payment result information transmitted in the payment result information transmitting step;
a destination specifying step of specifying the specific information corresponding to the identification information by referring to a specific information database in which the identification information and the specific information are stored in association with each other based on the identification information included in the electronic receipt obtained in the electronic receipt obtaining step, and specifying the destination corresponding to the specific information by referring to a correspondence information database in which the identification information and the destination are stored in association with each other ;
an electronic receipt transmitting step of transmitting the electronic receipt to the destination specified in the destination specifying step;
An information processing method comprising: Computer,
a payment processing information acquiring means for acquiring payment processing information including payment information including amount information of the item to be purchased and information on a payment method presented by a user;
a payment processing means for performing, via a payment network, the payment of a user identified by specific information that is included in the information of the payment means acquired by the payment processing information acquisition means and that uniquely identifies the user who executes the payment, and that has details indicated by the payment processing information;
an encryption means for encrypting the specific information to generate identification information;
a payment result information generating means for generating payment result information including the identification information and indicating that the payment has been made normally;
a payment result information sending means for sending the payment result information created by the payment result information creating means;
an electronic receipt acquiring means for acquiring an electronic receipt corresponding to the payment result information transmitted by the payment result information transmitting means;
a destination specifying means for specifying the specific information corresponding to the identification information by referring to a specific information database in which the identification information and the specific information are stored in association with each other based on the identification information included in the electronic receipt acquired by the electronic receipt acquiring means, and for specifying the destination corresponding to the specific information by referring to a correspondence information database in which the identification information and the destination are stored in association with each other ;
an electronic receipt transmitting means for transmitting the electronic receipt to the destination specified by the destination specifying means;
A program that functions as a

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