JP6655147B2 - Payment system - Google Patents

Description

  The present invention relates to a credit management device and a payment system for performing payment using a credit card function.

  Credit settlement, which uses a credit card for settlement, has become widespread. In order to make a credit settlement, it is necessary to first perform an admission screening for issuing a credit card. In the enrollment examination, for example, after the staff confirms the identity of the user at a store or the like, the user inputs personal information such as the user's name to a predetermined enrollment dedicated terminal, and credits the user based on the personal information. It is judged whether or not to issue a card. If the admissions pass, the credit card will be mailed to the user at a later date.

  In addition, in order to enable credit settlement between the time of application for membership admission and the time the credit card arrives, it has been considered to perform membership inspection simultaneously with the purchase of a product (see Patent Document 1).

JP 2005-250604 A

  However, according to the conventional technology, the user has to apply for an enrollment examination at a store, and it takes a relatively long time to issue a credit card, which is inconvenient for the user. Further, in recent years, due to the diversification of credit cards, one user often has a plurality of credit cards, and the credit card itself is a cause of impairing convenience. In addition, there is a problem that it takes time and cost to issue a credit card for a credit card issuing side.

  The present invention has been made in view of the above problems, and has as its object to provide a highly convenient credit management device and a payment system.

The settlement system according to the present invention comprises:
A payment system having a credit management device and a user terminal,
The credit management device,
A connection unit for receiving a screening request for requesting a credit card service from a user terminal;
Upon receiving the examination request, the connection unit performs the enrollment examination, and, if the enrollment examination is passed, the activation information for enabling a credit card function for performing payment using the credit card service. possess a management unit that transmits to the user terminal, and
The user terminal,
A communication unit that receives the activation information;
A control unit that transmits the examination request, and thereafter makes the credit card function usable based on the activation information received by the communication unit,
An input unit that receives an acquisition request that requests acquisition of a credit application, which is an application program for using the credit card function,
The control unit, when the input unit receives the acquisition request, acquires the credit application, transmits the examination request according to the credit application, and, based on the activation information received by the communication unit, By activating the credit application, the credit card function can be used,
The credit application adds the credit card function to an application program different from the credit application.

  According to the present invention, when passing the enrollment screening based on the screening request from the user terminal, the activation information for enabling the credit card function is transmitted to the user terminal. Therefore, there is no need to issue a credit card, and the time and cost associated with issuing a credit card can be reduced. In addition, it is not necessary to apply for an immediate membership at a store that requires the conventional dedicated staff, and it is possible to suppress the complexity of the increase in the number of credit cards on hand. Therefore, convenience can be improved.

FIG. 1 is a diagram illustrating a payment system according to a first embodiment of the present invention. It is a block diagram showing an example of composition of a user terminal. It is a block diagram showing an example of composition of a checkout device. FIG. 3 is a block diagram illustrating an example of a configuration of a management device. It is a figure showing an example of member base information. It is a figure showing an example of operation of the settlement system of a 1st embodiment of the present invention. It is a figure showing an example of operation of the settlement system of a 2nd embodiment of the present invention. It is a figure showing an example of operation of the settlement system of a 3rd embodiment of the present invention. It is a figure showing other examples of operation of the settlement system of a 3rd embodiment of the present invention. It is a figure showing other examples of operation of the settlement system of a 3rd embodiment of the present invention. It is a figure showing an example of operation of the settlement system of a 4th embodiment of the present invention. It is a figure showing an example of operation of the settlement system of a 5th embodiment of the present invention.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. In the drawings, components having the same function are denoted by the same reference numerals, and description thereof may be omitted.

(First embodiment)
In the present embodiment, a configuration and an operation related to an enrollment examination for using a credit card service will be mainly described.

  FIG. 1 is a diagram showing a payment system according to a first embodiment of the present invention. The settlement system 100 shown in FIG. 1 includes an application server 1, a user terminal 2, a settlement device 3, a Web server 4, and a management device 5, which are mutually connected via a communication network 10. I have. The communication network 10 includes a general-purpose line such as the Internet, and a dedicated line such as a line for CAFIS (Credit And Finance Information Switching System) (registered trademark) and a line for CDS (Credit Data Transfer System).

  The application server 1 is a server that stores a credit application that is a predetermined application program for using a credit card function in the user terminal 2. The credit card function is a function for performing settlement using a credit card service. In the present embodiment, the credit card service is a house card service that can be used in a member store that is a specific store. However, a credit card with an international brand may be used.

  The credit application is, specifically, an auxiliary application program that adds (adds in) a credit card function to a target application that is a predetermined application program different from the credit application. The target application is, for example, an application program for providing member store information. As the information of the member store, for example, the location of the member store, the sales product, and the like are given.

  In the credit card service, a limit amount which is an upper limit of an amount which can be used within a certain period and an effective period which is an available period are set. The limit is controlled by the application server 1 at a member store or the like.

  When receiving an acquisition request for acquiring a credit application from the user terminal 2, the application server 1 transmits the stored credit application to the user terminal 2 that has transmitted the acquisition request. At this time, the application server 1 assigns an application ID, which is application identification information for identifying the credit application, and incorporates the application ID into the credit application and transmits it. The application server 1 may perform authentication such as SMS (Short Message Service) authentication on the user terminal 2 when transmitting the credit application. It is assumed that this authentication can be performed by the user using only the user terminal 2 without using paper or the like. In addition, the application server 1 can obtain the agreement of the rules for each member store for using the credit card service (credit card function) at the time of authentication such as SMS authentication.

  The user terminal 2 is a terminal used by a user. The user terminal is, for example, a smartphone, a mobile phone, a PC (Personal Computer) or a PDA (Personal Digital Assistant). The PC includes a tablet PC and a notebook PC.

  FIG. 2 is a block diagram showing a configuration of the user terminal 2. The user terminal 2 illustrated in FIG. 2 includes an input unit 21, a communication unit 22, a display unit 23, a recording unit 24, a reading unit 25, and a control unit 26.

  The input unit 21 receives various information from the user. For example, the input unit 21 receives an acquisition request for acquiring a credit application, an examination request for requesting an admission examination of a credit card service, and the like.

  The examination request includes examination information necessary for the enrollment examination. The examination information includes a user ID, which is user identification information for identifying the user, a terminal ID, which is terminal identification information for identifying the user terminal 2 used by the user, and personal information of the user. The terminal ID is a telephone number or a terminal number (for example, a terminal serial number of a SIM (Subscriber Identity Module) card). The personal information is, for example, the user's name, address, e-mail address, workplace information, annual income and account information.

  The communication unit 22 communicates with each device on the communication network 10. For example, the communication unit 22 receives a credit application from the application server 1. In addition, the communication unit 22 receives, from the management device 5, examination result information indicating the examination result of the enrollment examination and activation information for enabling the use of the credit card function. In the present embodiment, the examination result information is information in an electronic notification format such as a push notification format, but may be information in another format. The activation information includes a token obtained by encrypting the credit card number given to the user terminal 2.

  The display unit 23 displays various information such as a two-dimensional code. The recording unit 24 records various information. For example, the recording unit 24 records the target application. The reading unit 25 is, for example, a camera or a scanner, and reads information such as a two-dimensional code.

  The control unit 26 controls the entire user terminal 2. For example, when the input unit 21 receives an acquisition request, the control unit 26 acquires a credit application according to the acquisition request. Specifically, the control unit 26 transmits the acquisition request to the application server 1, and thereafter acquires the credit application received by the communication unit 22. The control unit 26 records the acquired credit application in the recording unit 24.

  The control unit 26 installs the credit application recorded in the recording unit 24 on the user terminal 2, and adds a credit card function to the target application. The control unit 26 executes the installed credit application, and performs the following processing according to the credit application.

  First, the control unit 26 displays an enrollment page for applying for an enrollment examination on the display unit 23. The enrollment page includes an input request for requesting the user to input an examination request. When the input unit 21 receives the examination request, the control unit 26 transmits the examination request to the management device 5. At this time, the control unit 26 transmits the application ID incorporated in the credit application in addition to the examination request.

  When the communication unit 22 receives the examination result information, the control unit 26 records the examination result information in the recording unit 24 and displays the information on the display unit 23. Further, when the communication unit 22 receives the activation information, the control unit 26 activates the credit application based on the activation information, so that the credit card function of the credit application can be used. At this time, the control unit 26 records the token included in the activation information in the recording unit 24.

  Returning to the description of FIG. The settlement device 3 is a settlement device that performs settlement (payment) by a credit card service (a credit card function by a credit application). The settlement apparatus 3 performs settlement of a sales transaction for a product (such as a product or service). The function of the settlement apparatus 3 described below may be realized by one apparatus, or may be a POS (point of sales) terminal or various servers (for example, POS) connected via a hub or a wireless communication network. Server or the like). Note that the POS terminal may be arranged in a store or the like where payment by the credit card service can be used, and may be configured by a tablet PC or the like. Further, the processing of the POS terminal or the like is executed by an application or the like installed in the POS terminal. If the server is connected to the POS terminal, there is no need to place the server in a store or the like.

  FIG. 3 is a block diagram illustrating a configuration of the settlement apparatus 3. The settlement apparatus 3 illustrated in FIG. 3 includes a settlement communication unit 31, a storage unit 32, a settlement display unit 33, a settlement reading unit 34, an unauthorized use detection unit 35, and a settlement management unit 36.

  The settlement communication unit 31 communicates with each device on the communication network 10. For example, the settlement communication unit 31 receives, from the management device 5, payment card registration information necessary for payment using the credit card function. The payment card registration information is, for example, registration information indicating a correspondence relationship between an application ID, a token (token) obtained by encrypting a credit card number, and an unencrypted credit card number.

  The storage unit 32 stores various information. For example, the storage unit 32 stores sales history information indicating a transaction history of a product related to a payment process using a credit card service as a sales history of a product sold to a user. The transaction contents include, for example, a terminal ID and an application ID of the user terminal 2 using the credit service, a product ID which is product identification information for identifying a sold product, product information on the product, and related information on a product transaction.

  The product information indicates the name and price (sales price) of the product. The related information indicates the presence / absence of the associated service used in the settlement (transaction) and the contents thereof. The associated service is a service associated with the credit card service, for example, a point service or a coupon service. Examples of the contents of the associated service include a use point and a coupon used at the time of settlement, a given point given by settlement, and the like. A detailed description of the accompanying service will be described later (see the third embodiment).

  The settlement display unit 33 displays various information. The payment reading unit 34 is, for example, a camera or a scanner, and can also read information such as a two-dimensional code.

  The unauthorized use detection unit 35 determines whether or not the user terminal 2 that has downloaded (acquired) the credit application from the application server 1 is an unauthorized terminal that has performed an unauthorized transaction in the past. In addition, the specific method of this determination is not particularly limited.

  The settlement management unit 36 manages the entire settlement device 3. For example, the settlement management unit 36 stores the payment card registration information received by the settlement communication unit 31 in the storage unit 32.

  The Web server 4 relays communication between the user terminal 2 and the management device 5 and communication between the settlement device 3 and the management device 5. In the present embodiment, the Web server 4 and the management device 5 perform SOAP (Simple Object Access Protocol) communication over a dedicated line. Note that the user terminal 2 and the management device 5 or the settlement device 3 and the management device 5 may directly communicate with each other without using the Web server 4.

  The management device 5 is a credit management device that manages a credit card service used by a user. The function of the management device 5 described below may be realized by one device, or may be realized by a plurality of devices connected via a hub or the like.

  FIG. 4 is a block diagram illustrating a configuration of the management device 5. The management device 5 illustrated in FIG. 4 includes a connection unit 51, a storage unit 52, and a management unit 53.

  The connection unit 51 communicates with each device on the communication network 10. For example, the connection unit 51 receives an examination request from the user terminal 2.

  The storage unit 52 stores various information. For example, the storage unit 52 stores membership base information regarding members of the credit card function (users using the credit card function).

  The member base information includes, for example, for each user ID for identifying the user, a terminal ID for identifying the user terminal 2 used by the user, status information indicating the status of the user, and a credit card number assigned to the user. This is information in which membership history information indicating the history of membership of the credit card service is associated with personal information of the user.

  The status information indicates, as the status of the user, either a member who is a member of the credit card service or a non-member who is not a member of the credit card service. The credit card number is blank (none) for non-members. The enrollment history information indicates, for example, the examination result of the enrollment examination and the examination date and time, and the withdrawal date and time when the member was stopped. Note that the forced withdrawal is a process of constructing a secure payment scheme by withdrawing the member when a predetermined action such as unauthorized use of the credit card service or delinquency of the usage fee occurs.

  FIG. 5 is a diagram illustrating an example of the membership base information. The member base information 500 shown in FIG. 5 includes a user ID 501, a terminal ID 502, status information 503, a credit card number 504, enrollment history information 505, and personal information 506.

  Note that the above-mentioned membership base information is merely an example, and the present invention is not limited to this. The membership base information may further include, for example, transaction information indicating the transaction content of the product related to the settlement processing.

  The management unit 53 manages the entire management device 5. When the connection unit 51 receives the examination request, the management unit 53 performs an enrollment examination based on the examination request. The content of the enrollment screening is not particularly limited. For example, the contents of the enrollment examination include, for example, an inquiry to an external credit information institution, confirmation of whether or not the user terminal 2 that transmitted the examination request in the checkout device 3 is determined to be an unauthorized terminal, and a check in the examination request. Check whether or not the enrollment history information corresponding to the user ID satisfies predetermined conditions (for example, that the user has not been forcibly unsubscribed in the past and that it has not been rejected in the past enrollment screening). Including. Also, the enrollment screening may be performed several times in stages.

  When the enrollment examination is completed, the management unit 53 updates the membership base information stored in the storage unit 52 based on the examination result. Specifically, first, when the user ID, the terminal ID, and the personal information in the examination request do not exist in the membership base information, the management unit 53 adds them to the membership base information. Further, the management unit 53 updates the status information, the enrollment history information, and the credit card number corresponding to the user ID based on the examination result. For example, when the examination result indicates that the enrollment examination has passed, the management unit 53 sets the status indicated by the status information as a member, and adds information indicating the pass of the enrollment examination and the date and time of the pass to the enrollment history information. Then, the management unit 53 issues a credit card number and adds it to the membership base information. On the other hand, when the examination result indicates failure of the enrollment examination, the management unit 53 sets the status indicated by the status information to a non-member, and adds information indicating the failure of the enrollment examination and the date and time of rejection to the enrollment history information. Then, the management unit 53 does not issue the credit card number, and leaves the column of the credit card number in the member base information blank.

  In addition, the management unit 53 transmits examination result information indicating the examination result of the enrollment examination to the user terminal 2. When passing the enrollment examination, the management unit 53 generates a token and a credit card number corresponding to the application ID in the examination request. For example, the management unit 53 generates a token by encrypting the issued credit card number. The management unit 53 generates activation information including the token and transmits the generated activation information to the user terminal 2, and generates and transmits payment card registration information including the application ID and the corresponding token and credit card number to the settlement apparatus 3. .

  Next, the operation will be described.

  FIG. 6 is a sequence diagram for explaining an operation related to the enrollment screening in settlement system 100.

  First, when the input unit 21 of the user terminal 2 receives a request to acquire a credit application, the control unit 26 transmits the acquisition request to the application server 1 via the communication unit 22 and the communication network 10 (Step S101). Upon receiving the acquisition request, the application server 1 assigns an application ID and incorporates the application ID into the credit application. The application server 1 transmits the credit application incorporating the application ID to the user terminal 2 (Step S102). At this time, the fraudulent use detection unit 35 of the settlement apparatus 3 determines whether the user terminal 2 is a fraudulent terminal that has performed fraudulent transactions by a predetermined fraud detection method. The unauthorized use detection unit 35 stores the determination result information indicating the determination result in the storage unit 32 in association with the terminal ID (step S103). Note that the application ID may be numbered before receiving the acquisition request from the application server 1.

  When the communication unit 22 of the user terminal 2 receives the credit application from the application server 1, the control unit 26 records the credit application on the recording unit 24. After that, the control unit 26 adds the credit card function to the target application by installing the credit application recorded in the recording unit 24 on the user terminal 2. The control unit 26 executes the installed credit application. Then, the control unit 26 displays the enrollment page on the display unit 23 (Step S104).

  Thereafter, when the input unit 21 receives the examination request, the control unit 26 transmits the examination request to the management device 5 via the communication unit 22, the communication network 10, and the Web server 4 (Step S105).

  When the connection unit 51 of the management device 5 receives the examination request, the management unit 53 performs an enrollment examination based on the examination request (step S106). Then, the management unit 53 updates the membership base information stored in the storage unit 52 based on the examination result of the enrollment examination (step S107).

  Here, it is assumed that the admission screening has been passed. In this case, the management unit 53 generates payment card registration information, and transmits the payment card registration information to the settlement apparatus 3 via the connection unit 51, the communication network 10, and the Web server 4. When the payment communication unit 31 of the payment device 3 receives the payment card registration information, the payment management unit 36 stores the payment card registration information in the storage unit 32 (Step S108).

  In addition, the management unit 53 generates the examination result information and the activation information, and transmits them to the user terminal 2 via the connection unit 51, the communication network 10, and the Web server 4 (Step S109). When the communication unit 22 of the user terminal 2 receives the examination result information and the activation information, the control unit 26 records the examination result information on the recording unit 24 and displays it on the display unit 23. Further, the control unit 26 activates the credit application based on the activation information, and makes the credit card function usable (step S110).

  As described above, according to the present embodiment, the connection unit 51 receives a screening request requesting a credit card service membership screening from a user terminal. When the connection unit 51 receives the examination request, the management unit 53 performs an enrollment examination, and if the enrollment examination is passed, activate information for enabling a credit card function for performing payment using a credit card service. Send to user terminal. Therefore, there is no need to issue a credit card, and the time and cost associated with issuing a credit card can be reduced. In addition, the user does not need to apply for an immediate membership at the store, and it is possible to prevent the number of credit cards on hand from increasing and becoming complicated. Therefore, convenience can be improved.

  In the present embodiment, the control unit 26 of the user terminal 2 activates the acquired credit application based on the activation information, so that the credit card function can be used. Therefore, it is possible to easily use the credit card function. Therefore, the convenience for the user can be further improved.

  In the present embodiment, the credit application adds a credit card function to a target application different from the credit application. For this reason, a credit card function can be added to an application program for providing member store information, and the credit card function can be used easily. Therefore, the convenience for the user can be further improved.

(Second embodiment)
In the present embodiment, an operation for performing payment using a credit card service will be mainly described.

  FIG. 7 is a sequence diagram for explaining an operation of performing settlement of a product purchased by a user using a credit card service.

  First, when the amount of money to be charged to the user is determined, the payment management unit 36 of the payment device 3 generates a two-dimensional code indicating a payment request for requesting payment and displays the code on the payment display unit 33 (step S201). The payment request includes transmission destination information indicating the settlement apparatus 3 as a transmission destination of payment information necessary for payment. Further, the payment request may include amount information indicating the amount charged, a product ID of a product purchased by the user, a store ID that is store identification information for identifying a store that sells the product, and the like.

  Thereafter, the user inputs a reading request for reading the two-dimensional code to the input unit 21 with the reading unit 25 of the user terminal 2 facing the two-dimensional code displayed on the settlement display unit 33. When the input unit 21 receives the reading request, the control unit 26 reads the two-dimensional code using the reading unit 25 (Step S202). The control unit 26 decodes the read two-dimensional code to obtain a payment request, generates payment information necessary for payment according to the payment request, and sets the payment device 3 via the communication unit 22 and the communication network 10. (Step S203). The payment information includes the amount information, the product ID and the store ID included in the payment request, the token recorded in the recording unit 24, the terminal ID and the application ID, and the like.

  When the settlement communication unit 31 of the settlement apparatus 3 receives the settlement information, the settlement management unit 36 acquires the credit card number corresponding to the token included in the settlement information from the settlement card registration information stored in the storage unit 32. Then, the payment processing using the credit card service is performed based on the credit card number. Specifically, first, the settlement management unit 36 transmits the acquired credit card number to the management device 5 via the settlement communication unit 31 and the communication network 10 (Step S204). The communication network 10 through which the credit card number passes is preferably a dedicated line such as a CAFIS line.

  When the connection unit 51 of the management device 5 receives the credit card number, the management unit 53 executes authorization based on the credit card number and the membership base information stored in the storage unit 52 (step S205). ). The management unit 53 transmits the result information indicating the result of the authorization and the credit card number to the settlement apparatus 3 via the connection unit 51 and the communication network 10 (Step S206).

  When the settlement communication unit 31 of the settlement apparatus 3 receives the result information and the credit card number, the settlement management unit 36 acquires the token corresponding to the received credit card number from the payment card registration information stored in the storage unit 32. Then, the token and the result information are displayed on the settlement display unit 33 (step S207).

  Thereafter, the settlement management unit 36 checks the result information, and if the result information indicates that the authorization is successful, the settlement information indicating the transaction content of the product related to the settlement process is transmitted to the management device via the settlement communication unit 31 and the communication network 10. 5 (step S208). When the connection unit 51 of the management device 5 receives the transaction information, the management unit 53 adds the transaction information to the membership base information stored in the storage unit 52 in association with the terminal ID in the transaction information (step S209). ). The transaction information may include a settlement ID for identifying the transaction.

  After adding the transaction information to the membership base information, the management unit 53 transmits end information indicating that the registration of the transaction information has been completed to the settlement apparatus 3 via the connection unit 51 and the communication network 10. When the settlement communication unit 31 of the settlement apparatus 3 receives the end information, the settlement management unit 36 updates the sales history information stored in the storage unit 32 based on the transaction information, and ends the settlement processing (Step S210). . At this time, the settlement management unit 36 may issue a receipt including the transaction information. The receipt may be an electronic receipt transmitted to the user terminal 2.

  Also, the management unit 53 of the management device 5 performs a billing process for determining the total amount of the bill to the user based on the transaction information added to the membership base information at regular intervals, and ends the process (step S211). Note that the total amount of the bill may be notified to the user terminal 2 using an electronic mail or the like.

  In this operation, the settlement management unit 36 of the settlement apparatus 3 generates a two-dimensional code, displays it on the settlement display unit 33, and the control unit 26 of the user terminal 2 reads the two-dimensional code using the reading unit 25. I was However, the control unit 26 of the user terminal 2 may display the two-dimensional code on the display unit 23, and the payment management unit 36 of the payment apparatus 3 may read the two-dimensional code using the payment reading unit 34.

  As described above, according to the present embodiment, the activation information includes the token obtained by encrypting the credit card number. The management unit 53 of the management device 5 transmits the payment card registration information indicating the correspondence between the token and the credit card number to the settlement device 3. The control unit 26 of the user terminal 2 transmits the token included in the activation information to the settlement device 3 at the time of payment. The settlement communication unit 31 of the settlement device 3 receives the payment card registration information from the management device 5 and receives the token from the user terminal 2. The storage unit 32 stores the payment card registration information received by the settlement communication unit 31. When the payment communication unit 31 receives the token, the payment management unit 36 performs a payment process using the credit card service based on the credit card number corresponding to the token in the payment card registration information stored in the storage unit 32. Do.

  For this reason, even if the user terminal 2 is not notified of the credit card number itself, it is possible to perform the payment processing using the token in which the credit card number is encrypted. Therefore, leakage of the credit card number due to loss of the user terminal 2 can be prevented, and security can be improved.

(Third embodiment)
In the present embodiment, an operation for using the accompanying service attached to the credit card service will be mainly described. In the present embodiment, the accompanying services are a point service and a coupon service. Of these services, both may be available or only one may be available.

  FIG. 8 is a sequence diagram for explaining the operation of using the point service as the associated service, and specifically, is a sequence diagram for explaining the operation of giving points to the user (user terminal 2).

  First, steps S201 and S202 are executed similarly to the operation of FIG. Thereafter, the control unit 26 decodes the read two-dimensional code to acquire a payment request, and generates payment information necessary for payment according to the payment request. Then, the control unit 26 determines whether or not to give (acquire) points as an ancillary service (step S301). For example, the payment request includes point necessity information indicating whether or not points can be given, and the control unit 26 determines whether or not to give points by checking the point necessity information.

  If no points are given, the same processing as in the second embodiment is performed. Here, points are given. In this case, the control unit 26 generates payment information further including a grant request for requesting a point as a use request for requesting use of the associated service, and the payment device 3 via the communication unit 22 and the communication network 10. (Step S302). Thereafter, the processing of steps S205 to S207 is executed. When points are always given, there is no need to send a request for giving.

  When step S207 is completed, the settlement management unit 36 calculates the assigned points, which are the points to be assigned, and sends the transaction information further indicating the assigned points to the management device 5 via the adjustment communication unit 31 and the communication network 10. The data is transmitted (step S303). The awarded points are determined, for example, according to the amount charged.

  When the connection unit 51 of the management device 5 receives the transaction information, the management unit 53 adds the transaction information to the member base information stored in the storage unit 52 in association with the terminal ID in the transaction information, and The balance information in the membership base information is updated based on the grant points in the information. Specifically, the management unit 53 adds the given points to the point balance indicated by the balance information corresponding to the terminal ID included in the transaction information in the membership base information stored in the storage unit 52 (Step S304).

  The management unit 53 transmits end information including the updated balance information to the settlement apparatus 3 via the connection unit 51 and the communication network 10. When the settlement communication unit 31 of the settlement apparatus 3 receives the end information, the settlement management unit 36 adds the balance information included in the end information to the transaction information, and, based on the transaction information, the sales history stored in the storage unit 32. The information is updated (step S305).

  Then, the settlement management unit 36 transmits an electronic receipt including the transaction information to the user terminal 2. When the communication unit 22 of the user terminal 2 receives the electronic receipt, the control unit 26 displays the electronic receipt on the display unit 23 and records the electronic receipt on the recording unit 24 (Step S306).

  FIG. 9 is a sequence diagram for explaining the operation of using the point service as the associated service, and specifically, is a sequence diagram for explaining the operation of the user using the point.

  First, steps S201 and S202 are executed similarly to the operation of FIG. Thereafter, the control unit 26 decodes the read two-dimensional code to acquire a payment request, and generates payment information necessary for payment according to the payment request. Then, the control unit 26 determines whether or not to use the points as the associated service (Step S401).

  For example, the control unit 26 displays the charge amount included in the payment request and the latest balance information recorded in the recording unit 24 on the display unit 23. Thereafter, when the input unit 21 receives the use request for requesting the use of the point, the control unit 26 determines that the point is used, and when the input unit 21 receives the non-use request for requesting the non-use of the point, Judge that points are not used. The use request includes a use point that is a point for use.

  When the points are not used, the same processing as in the second embodiment is performed. Here, points are used. In this case, the control unit 26 generates payment information further including a use request as a use request for requesting use of the associated service, and transmits the information to the settlement apparatus 3 via the communication unit 22 and the communication network 10 (step S402). ). Thereafter, the processing of steps S205 to S207 is executed.

  When step S207 ends, the settlement management unit 36 transmits the transaction information further indicating the use point included in the use request to the management device 5 via the settlement communication unit 31 and the communication network 10 (step S403).

  When the connection unit 51 of the management device 5 receives the transaction information, the management unit 53 adds the transaction information to the member base information stored in the storage unit 52 in association with the terminal ID in the transaction information, and The balance information in the member base information is updated based on the use points in the. Specifically, the management unit 53 subtracts the used points from the point balance indicated by the balance information corresponding to the terminal ID included in the transaction information in the member base information stored in the storage unit 52 (Step S404). After that, the processes of steps S305 and S306 are executed similarly to the operation of FIG.

  FIG. 10 is a sequence diagram for explaining an operation of using a coupon service as an associated service.

  First, steps S201 and S202 are executed similarly to the operation of FIG. Thereafter, the control unit 26 decodes the read two-dimensional code to acquire a payment request, and generates payment information necessary for payment according to the payment request. Then, the control unit 26 determines whether or not to use a coupon as an ancillary service (step S501).

  For example, coupon information indicating a coupon is recorded in the recording unit 24. The coupon information indicates main body information indicating the entity of the coupon (discount rate, discount amount, etc.) and the coupon usage conditions. The use condition indicates a period during which the coupon can be used, the number of times, a product, a store, a lower limit of a billed amount, and the like. The control unit 26 determines whether or not coupon information that satisfies the use conditions exists in the recording unit 24 based on information included in the payment request and the like. The controller 26 determines that a coupon is used when coupon information that satisfies the use condition exists, and determines that the coupon is not used when there is no coupon information that satisfies the use condition.

  When the coupon is not used, the same processing as in the second embodiment is performed. Here, it is assumed that a coupon is used. In this case, the control unit 26 generates settlement information further including a coupon use request for requesting use of a coupon as a use request for requesting use of the associated service, and sets the settlement device via the communication unit 22 and the communication network 10. 3 (step S502). Thereafter, the processing of steps S205 to S207 is executed. The coupon use request includes coupon information satisfying the use condition.

  When step S207 ends, the settlement management unit 36 changes the billed amount based on the coupon information in the coupon use request (step S503). For example, the settlement management unit 36 changes the charge amount according to the discount rate or the discount amount indicated by the coupon information. Thereafter, the processing of steps S208 to S210 is performed.

  The accompanying services described with reference to FIGS. 8 to 10 are separately described for convenience, but may be used in combination. For example, points may be used while giving points, or points may be given and used while using coupons. 8 to 10, the process of step S211 is omitted, but the process of step S211 is actually executed.

  As described above, according to the present embodiment, the control unit 26 of the user terminal 2 transmits, to the settlement apparatus 3, a use request for requesting the use of the accompanying service attached to the credit card service at the time of settlement. When the settlement communication unit 31 of the settlement apparatus 3 receives the use request, the settlement management unit 36 provides an accompanying service according to the use request. Therefore, it is possible to use a point service or a coupon service and other associated services at the same time as the payment without having to perform a cumbersome operation of presenting a point card or a coupon and then performing the payment. Can be further improved.

(Fourth embodiment)
In the present embodiment, an operation of returning a purchased product will be mainly described.

  FIG. 11 is a sequence diagram illustrating an operation of returning a purchased product.

  First, when the input unit 21 of the user terminal 2 receives a return request for returning the purchased product, the control unit 26 notifies the return device 3 of the return request (step S601). For example, in the electronic receipt transmitted by the settlement management unit 36, a payment ID for identifying a payment for a transaction (such as a product) to be returned and a two-dimensional code indicating a terminal ID of a user terminal used in the transaction are previously incorporated. The control unit 26 notifies the settlement device 3 of the return request by displaying the two-dimensional code corresponding to the return request on the display unit 23. The return request includes the settlement ID of the transaction to be returned and the terminal ID of the user terminal 2 used for the transaction.

  The payment management unit 36 of the payment device 3 acquires the return request notified from the user terminal 2 (Step S602). For example, the payment reading unit 34 reads the two-dimensional code displayed on the display unit 23 of the user terminal 2, and the payment management unit 36 decodes the two-dimensional code to acquire a return request.

  Then, the settlement management unit 36 performs a return process according to the return request based on the sales history information stored in the storage unit 32. Specifically, first, the settlement management unit 36 checks whether or not the sales ID information and the terminal ID included in the obtained return request are associated with the sales history information stored in the storage unit 32 ( Step S603).

  Here, it is assumed that the payment ID and the terminal ID are associated with each other. In this case, the settlement management unit 36 determines that the return is possible, and transmits a return request to the management device 5 via the settlement communication unit 31 and the communication network 10 (step S604).

  When the connection unit 51 of the management device 5 receives the return request, the management unit 53 updates the membership base information stored in the storage unit 52 based on the return request (Step S605). For example, the management unit 53 deletes the payment ID in the return request and the product information corresponding to the payment ID from the transaction information corresponding to the terminal ID included in the return request in the member base information.

  Then, the management unit 53 transmits completion information indicating the completion of the return processing to the settlement apparatus 3 via the connection unit 51 and the communication network 10 (step S606).

  When the settlement communication unit 31 of the settlement device 3 receives the completion information, the settlement management unit 36 notifies the user of the completion information (Step S607). In the present embodiment, the settlement management unit 36 transmits the completion information to the user terminal 2, but may display the completion information on the settlement display unit 33. When the communication unit 22 of the user terminal 2 receives the completion information, the control unit 26 displays the completion information on the display unit 23.

  As described above, according to the present embodiment, the input unit 21 of the user terminal receives a return request for returning the purchased product. Upon obtaining the return request, the settlement management unit 36 performs a return process based on the sales history information stored in the storage unit 32. For this reason, the user can perform the return process only by inputting the return request, so that the return can be easily performed.

(Fifth embodiment)
In the present embodiment, a case where a plurality of credit applications are used will be described.

  FIG. 12 is a sequence diagram for explaining an operation when introducing a new credit application to a user terminal on which a credit application has already been installed.

  First, steps S101 and S102 are executed similarly to the operation of FIG. Thereafter, the control unit 26 determines whether or not there is an existing credit application that is another activated credit application, separately from the acquired credit application that is a newly acquired credit application (step S701). Note that SMS authentication may be used for this determination. Here, it is assumed that an existing credit application exists. In this case, the control unit 26 transmits an addition request for requesting the addition of the credit application to the management device 5 via the communication unit 22, the communication network 10, and the Web server 4 (Step S702). The addition request includes the terminal ID and the application ID of the obtained credit application.

  When the connection unit 51 of the management device 5 receives the addition request, the management unit 53 stores the registration request in the storage unit 52 based on the addition request without performing a new membership examination because the membership examination has already been completed. The member base information is updated (step S703). Specifically, the management unit 53 adds, in the membership base information, the application ID included in the addition request to the application ID corresponding to the terminal ID included in the addition request.

  The management unit 53 generates a token and a credit card number for the application ID included in the addition request. Then, the management unit 53 generates payment card registration information including the application ID, the token, and the credit card number, and transmits the payment card registration information to the settlement apparatus 3 via the connection unit 51, the communication network 10, and the Web server 4. When the payment communication unit 31 of the payment device 3 receives the payment card registration information, the payment management unit 36 stores the payment card registration information in the storage unit 32 (Step S704). In this embodiment, since the enrollment examination has already been completed, the credit card number has already been issued. Therefore, in step S704, the management unit 53 uses a credit card number already issued and stored as member base information as the credit card number for the application ID included in the addition request. Thereby, a common credit card number can be used for a plurality of credit applications. There is one credit card number regardless of the number of credit applications.

  Further, the management unit 53 generates activation information for the acquired credit application, and transmits the activation information to the user terminal 2 via the connection unit 51, the communication network 10, and the Web server 4 (Step S705). When the communication unit 22 of the user terminal 2 receives the activation information, the control unit 26 activates the acquired credit application based on the activation information, and makes the credit card function of the acquired credit application usable (step S706). ).

  As described above, according to the present embodiment, when the input unit 21 receives an acquisition request, the control unit 26 of the user terminal 2 separates the acquisition request from the acquisition credit application that is the credit application that requests acquisition. If there is a credit application that has already been activated, an additional request for requesting addition of the credit application is transmitted. When the connection unit 51 of the management device 5 receives the addition request, the activation information corresponding to the acquired credit application is transmitted to the user terminal 2. For this reason, since it is not necessary to repeat the enrollment examination in order to activate the second and subsequent credit applications, it is possible to further improve the convenience for the user.

  Note that the operation of step S102 in the present embodiment (FIG. 12) may be performed by authentication such as SMS authentication as described above. In this case, the enrollment examination is omitted, and the credit card service can be received only by the authentication at the time of installing the credit application such as the SMS authentication.

  In this embodiment, one credit card number is issued to a plurality of credit applications. For this reason, unlike a conventional system in which a credit card number is assigned to each credit card, services having different credit functions can be collectively managed. For this reason, it is possible to flexibly perform individual services such as permission from a user expressed in terms and the like, extraction of personal information, provision of benefits, and the like for each credit application.

(Sixth embodiment)
In the present embodiment, an operation of confirming a settlement history, which is a settlement history using a credit card function, will be mainly described.

  The recording unit 24 of the user terminal 2 records purchase history information indicating a history of transaction details of a product related to a payment process using a credit service. In addition, the communication unit 22 of the user terminal 2 receives the electronic receipt transmitted from the settlement apparatus 3 in step S210 in FIGS. 7 and 10 and step S306 in FIGS. 8 and 9. The control unit 26 updates the purchase history information recorded in the recording unit 24 based on the transaction information included in the electronic receipt received by the communication unit 22.

  When the input unit 21 receives a confirmation request for requesting confirmation of purchase history information, the control unit 26 notifies the user of the settlement history information recorded in the recording unit 24. For example, the control unit 26 displays the settlement history information on the display unit 23.

  As described above, according to the present embodiment, it is possible to easily check the purchase history information, and thus it is possible to further improve the convenience for the user.

  In each embodiment, the application server 1 stores a credit application, and the user terminal 2 adds a credit card function to the target application based on the credit application. However, the application server 1 may store a built-in application that is a target application in which the credit application is built as a credit application. In this case, upon receiving the credit application acquisition request, the application server 1 transmits the installed application to the user terminal 2, and the user terminal 2 stores the installed application, thereby providing the credit card function to the user terminal 2. Add to

(Other embodiments)
In the operation of the used points described with reference to FIG. 9 in the third embodiment, the management apparatus 5 updates the point balance and performs the processing. The billing process S211 may be performed by transmitting the amount to the management device 5 as the process of steps S208 to S210. Thereby, the payment request to the user and the payment to the member store can be performed together with the credit payment, and the work load of the payment procedure can be reduced. In addition, points and credit settlement can be performed simultaneously without a special device.

  In the operation of using the coupon service described with reference to FIG. 10 in the third embodiment, the billing amount is changed based on the coupon information in step S503. Is transmitted to the management device 5 as the processing of steps S208 to S210, so that the billing processing S211 may be performed. Thereby, the payment request to the user and the payment to the member store can be performed together with the credit payment, and the work load of the payment procedure can be reduced. In addition, coupons and credit settlement can be performed simultaneously without a special device.

  For example, when step S207 is completed, the settlement management unit 36 of the settlement apparatus 3 adds coupon information to transaction information indicating transaction contents such as a selling price, and transmits the transaction information to which the coupon information is added to the management apparatus 5. When the connection unit 51 of the management device 5 receives the transaction information, the management unit 53 adds the transaction information to the member base information stored in the storage unit 52 in association with the terminal ID in the transaction information. Thereafter, the management unit 53 transmits end information indicating that the registration of the transaction information has been completed to the settlement apparatus 3, and when the settlement communication unit 31 of the settlement apparatus 3 receives the end information, the settlement management unit 36 displays the transaction information. , The sales history information stored in the storage unit 32 is updated.

  As described above, regardless of whether the point service is used as an ancillary service or the coupon service is used, the selling price as the purchase price and the use points and coupon information as the discount price are simultaneously transmitted from the settlement device 3 to the management device 5. It becomes possible to send. Further, the storage unit 32 of the settlement apparatus 3 can separately store a purchase price (sale price) and a discount price (use points and coupon information) as sales history information.

  In this case, in the billing process described in step S211 in FIG. 7, a value obtained by subtracting the total amount of the discount amount from the total amount of the purchase amount is calculated as the total amount of the amount to be charged to the user, and the user is notified and charged. In addition to the specified member store fee, the member of the credit card service is charged with the total amount of the discount amount. This allows the member store to bear the discount amount due to the ancillary services such as the coupon service and the point service, so that the ancillary service can be provided independently by the member store. In addition, since the management device 5 performs the billing of the discount amount to the user and the payment to the member store by the accompanying service, the accompanying service can be provided without introducing a POS cooperation system or the like in the store or the like. become.

  The user ID is assigned in the application server 1 and transmitted to each device (the management device 5, the settlement device 3, and the user terminal 2). The user ID is a common key that uniquely identifies the user, and can manage credit settlement using the key. For example, the management device 5 generates activation information including a token corresponding to the user ID, and transmits the generated activation information to the user terminal 2. When the application server 1 stores the installed application, the application server 1 may store the embedded application and a server that assigns a user ID to different devices. In this case, the server that stores the embedded application may be a general-purpose server that distributes various application programs.

  In each of the embodiments described above, the illustrated configuration is merely an example, and the present invention is not limited to the configuration.

  For example, the function of each device constituting the payment system 100 is such that a program for realizing the function is recorded on a computer-readable recording medium, and the program recorded on this recording medium is read by a computer. It may be realized by executing.

Reference Signs List 1 application server 2 user terminal 3 settlement device 4 Web server 5 management device 10 communication network 21 input unit 22 communication unit 23 display unit 24 recording unit 25 reading unit 26 control unit 31 settlement communication unit 32 storage unit 33 settlement display unit 34 illegal use Detecting unit 35 Settlement management unit 51 Connection unit 52 Storage unit 53 Management unit 100 Payment system

Claims (9)

A payment system having a credit management device and a user terminal,
The credit management device,
A connection unit for receiving a screening request for requesting a credit card service from a user terminal;
Upon receiving the examination request, the connection unit performs the enrollment examination, and, if the enrollment examination is passed, the activation information for enabling a credit card function for performing payment using the credit card service. possess a management unit that transmits to the user terminal, and
The user terminal,
A communication unit that receives the activation information;
A control unit that transmits the examination request, and thereafter makes the credit card function usable based on the activation information received by the communication unit,
An input unit that receives an acquisition request that requests acquisition of a credit application, which is an application program for using the credit card function,
The control unit, when the input unit receives the acquisition request, acquires the credit application, transmits the examination request according to the credit application, and, based on the activation information received by the communication unit, By activating the credit application, the credit card function can be used,
The payment system, wherein the credit application adds the credit card function to an application program different from the credit application. The control unit, when acquiring the credit application, sends an addition request for requesting addition of the acquired credit application, if there is a credit application that has been activated, separately from the acquired credit application that is the acquired credit application. And
The connection unit receives the addition request,
The settlement system according to claim 1 , wherein the management unit transmits the activation information corresponding to the acquired credit application to the user terminal when the connection unit receives the addition request. The credit management device further includes a storage unit,
The management unit generates a credit card number to be given to a user in order to use the credit card function, stores the credit card number in the storage unit, and encrypts the credit card number when the enrollment screening is passed. transmitting the activation information comprising, when the connecting section receives the addition request, transmits the activation information including the token encrypts the credit card number stored in the storage unit, according to claim 2 Payment system. The payment system further includes a checkout device,
The activation information includes a token obtained by encrypting a credit card number given to a user to use the credit card function,
The management unit transmits registration information indicating the correspondence between the token and the credit card number to the settlement apparatus,
The control unit transmits the token included in the activation information to the settlement apparatus at the time of settlement,
The payment device,
A payment communication unit that receives the registration information from the management device and receives the token from the user terminal,
A storage unit for storing the registration information received by the settlement communication unit,
When the payment communication unit receives the token, a payment management using the credit card service based on a credit card number corresponding to the received token in the registration information stored in the storage unit. The settlement system according to any one of claims 1 to 3 , comprising: The settlement management unit notifies the user terminal of transaction information indicating the transaction content of the product related to the settlement process,
The communication unit receives the transaction information,
The user terminal has a recording unit that records purchase history information indicating the history of the transaction content, and an input unit that receives a confirmation request that requests confirmation of the purchase history information,
Wherein, based on the transaction information by the communication unit has received, and updates the purchase history information, when the input unit receives the confirmation request, and notifies the purchase history information to the user, in claim 4 The payment system described. The control unit, at the time of settlement, transmits a use request to request the use of the accompanying service attached to the credit card service to the settlement apparatus,
The settlement communication unit receives the use request,
The settlement system according to claim 4 , wherein the settlement management unit provides an ancillary service in response to the use request. The control unit, at the time of settlement, transmits a use request to request the use of the accompanying service attached to the credit card service to the settlement apparatus,
The settlement communication unit receives the use request,
The said settlement management part provides ancillary service according to the use request, and transmits information indicating a purchase price that is a selling price of the product and a discount amount by the ancillary service as the transaction information. 5. The settlement system according to 5 . The settlement system according to claim 6 , wherein the accessory service is at least one of a point service and a coupon service. The user terminal has an input unit for receiving a return request for returning the purchased product,
The control unit notifies the payment device of the return request,
The storage unit stores sales history information indicating a history of transaction contents of the product related to the settlement process,
The settlement system according to any one of claims 4 to 8 , wherein the settlement management unit performs a return process according to the return request based on the sales history information.

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