JP7175938B2 - PAYMENT SYSTEMS, PAYMENT METHODS AND PROGRAMS - Google Patents

Description

The present disclosure relates to payment systems, payment methods, and programs.

2. Description of the Related Art Conventionally, there has been known a technique of paying utility bills by reading a code written on a payment slip or inputting a payment number at a convenience store or the like. For example, in Patent Document 1, when a code written on a payment slip is read by a user terminal to authenticate the user, a transfer process is executed from the user's bank account to the bank account of the payee, thereby making the payment written on the payment slip possible. It describes how to make the payments made.

JP 2005-228156 A

However, the technique of Patent Document 1 cannot sufficiently improve user convenience because only a single payment method, bank transfer, can be used.

The present disclosure has been made in view of the above problems, and an object thereof is to provide a payment system, a payment method, and a program that can improve user convenience in payment using a payment slip or a payment number. to provide.

In order to solve the above problems, the payment system according to the present disclosure, when the code described in the payment slip is read by the user terminal, or when the payment number is input to the user terminal, acquisition means for acquiring payment information relating to payment corresponding to the payment number; specifying means for specifying a payment method selected by the user from among a plurality of payment methods; and execution means for executing a payment process for making said payment with the specified payment method.

It is a figure which shows an example of the payment system which concerns on embodiment. It is a figure which shows the flow of payment with respect to the payee of type (A). It is a figure which shows the flow of payment with respect to the payee of type (A). It is a figure which shows the flow of payment with respect to the payee of type (B). It is a figure which shows the flow of payment with respect to the payee of type (C). 2 is a functional block diagram showing functions implemented in the payment system; FIG. It is a figure which shows the data storage example of a payee database. It is a figure which shows the payment information database data storage example. Figure 2 is a flow diagram of the processing performed in the payment system; Figure 2 is a flow diagram of the processing performed in the payment system; Figure 2 is a flow diagram of the processing performed in the payment system; It is a figure which shows the flow of payment with respect to the payee of type (B) in modification (1).

[1. Overall configuration of payment system]
Hereinafter, examples of embodiments according to the present disclosure will be described in detail based on the drawings. FIG. 1 is a diagram showing an example of a payment system according to an embodiment. As shown in FIG. 1, for example, the payment system 1 includes a bank server 10, an electronic payment server 20, and a user terminal 30, which are connectable to a network N such as the Internet. In FIG. 1, one each of the bank server 10, the electronic payment server 20, and the user terminal 30 is shown, but a plurality of these may be provided. Moreover, the number of server computers may be only one.

The bank server 10 is a server computer managed by a bank. For example, bank server 10 includes control unit 11 , storage unit 12 , and communication unit 13 . Control unit 11 includes, for example, at least one processor. The storage unit 12 includes, for example, a main storage unit such as a RAM and an auxiliary storage unit such as a hard disk. The control unit 11 executes processing according to programs and data stored in the storage unit 12 . The communication unit 13 includes a communication interface for wired communication or wireless communication. The communication unit 13 can transmit and receive data to and from an external device via the network N. FIG.

The electronic payment server 20 is a server computer managed by an electronic payment service provider. Electronic payment services are electronic payments using computers. Electronic payment may be of any type, for example, payment using credit cards, debit cards, electronic money, points, or virtual currency. The electronic payment server 20 includes a control section 21 , a storage section 22 and a communication section 23 . Hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively.

The user terminal 30 is a computer operated by a user. In this embodiment, the user uses both financial services provided by the bank server 10 and electronic payment services provided by the electronic payment server 20 . For example, the user terminal 30 is a mobile phone (including smart phones), a personal digital assistant (including tablet terminals and wearable terminals), or a personal computer.

The user terminal 30 includes a control section 31 , a storage section 32 , a communication section 33 , an operation section 34 , a display section 35 and a photographing section 36 . The hardware configurations of the control unit 31, the storage unit 32, and the communication unit 33 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 34 is an input device such as a touch panel, a pointing device such as a mouse, or a keyboard. The display unit 35 is, for example, a liquid crystal display or an organic EL display. The imaging unit 36 includes at least one camera.

The programs and data described as being stored in the storage units 12, 22, and 32 are stored in a computer-readable information storage medium (eg, USB memory or SD card) and supplied to each computer. Alternatively, it may be supplied to each computer via a network. Also, the hardware configuration of each computer described above is not limited to the above examples, and may include, for example, a reading unit (for example, an SD card slot) for reading an information storage medium, or an input for direct communication with an external device. An output unit (for example, a USB terminal) may be provided.

[2. Overview of payment system]
In this embodiment, the user has completed opening an account at a bank and registering for use of an electronic payment service. A bank application and an electronic payment application are installed in the user terminal 30 . A bank application is an application for using financial services provided by a bank. For example, bank transfers, remittances other than bank transfers, balance inquiries, deposit/withdrawal details, or loan applications can be used. An electronic payment application is an application for using an electronic payment service, and can execute payment using, for example, credit cards, debit cards, electronic money, points, or virtual currency.

In this embodiment, the processing of the payment system 1 will be described by taking as an example a scene where a user pays using a payment slip. A payment slip is a form for making a payment at a store such as a convenience store. A payment slip is sometimes called an invoice or a payment note. The payment slip may be in any format, and may have, for example, the payee's name, the payee's bank account information, the payment amount, the payment due date, and a bar code printed thereon. A payment slip can be used for any payment, for example, it may be used to pay for taxes, utility bills, or goods purchased over the Internet. A payee is a person who receives a user's payment, for example a municipality or a company that ultimately receives the user's payment. Note that the receiving agent may correspond to the payee.

For example, the payment slip is mailed to the user. The payment slip may be sent to the user as an electronic file and printed by the user. Alternatively, for example, a payment slip may correspond to a form printed by a user entering a payment number at a convenience store terminal or the like. The payment slip may not be printed on paper, and may be electronically displayed on the screen.

The barcode contains information necessary for payment, such as a payment ID that uniquely identifies each payment, a payee ID that uniquely identifies a payee, a payment amount, and a payment deadline. is In this embodiment, the barcode is described as an example of the code written on the payment slip, but the code written on the payment slip is not limited to the barcode. Any code such as a two-dimensional code can be used as the code written on the payment slip. Therefore, the bar code in this embodiment can be read as any other code.

By reading the barcode of the payment slip with the user terminal 30, the user can pay the payment slip without going to a convenience store or the like. In this embodiment, both the bank application and the electronic payment application are compatible with payment slip payments, and the user may use either application. That is, the user can select any application and select any payment method.

In this embodiment, three payment methods, bank transfer, credit card, and electronic money, are exemplified as user-selectable payment methods. The payment method is an electronic remittance method and can also be called a payment means. Bank transfer can be selected from the bank app. Credit cards and electronic money can be selected from the electronic payment app. All payees registered in the payment system 1 may be compatible with all of these payment methods, but in this embodiment, compatible payment methods are determined for each payee.

In this embodiment, the payee belongs to one of the following types (A) to (C). That is, all payees accept bank transfers, and only some payees accept credit cards and electronic money.
(A) Accepts all credit cards, electronic money, and bank transfers (B) Does not accept credit cards, but accepts electronic money and bank transfers (C) Accepts credit cards and electronic money not available, only bank transfer is possible

It is assumed that types (A) include credit card payments to which points can be applied and credit card payments to which points cannot be applied. Any type of points can be used, and for example, points managed by the provider of the electronic payment service or points managed by a partner of this provider may be used. Appropriation of points means paying part or all of the payment amount with points. In the case of credit card payment to which points can be applied, payment using both credit card and points is possible. Hereinafter, the flow of payment to each type of payee (A) to (C) will be described, taking as an example the case where the barcode of the payment slip is read by an electronic payment application.

FIGS. 2 and 3 are diagrams showing the flow of payment to the payee of type (A). FIG. 2 shows a credit card payment to which points can be applied, and FIG. 3 shows a credit card payment to which points cannot be applied. For example, when payment by payment slip is selected from the menu of the electronic payment application, the photographing unit 36 is activated and the photographed screen G1 is displayed on the display unit 35 as shown in FIGS. The imaging unit 36 continuously performs imaging processing at a predetermined frame rate. An image shot by the shooting unit 36 is displayed on the shooting screen G1.

The user terminal 30 detects the barcode from the captured image based on a known detection algorithm. When the user terminal 30 detects the barcode, the user terminal 30 extracts the barcode information included in the barcode and transmits it to the bank server 10 . The barcode information may be logged via the electronic payment server 20, but in this embodiment, it is assumed to be directly transmitted from the user terminal 30 to the bank server 10. FIG.

The bank server 10 identifies the payee based on the received bar code information and determines whether or not the payee is registered in the payment system 1 . When it is determined that the payee is not registered in the payment system 1, the user terminal 30 cannot be used for payment, so an error message indicating that effect is displayed on the display section 35. - 特許庁On the other hand, when it is determined that the payee is registered in the payment system 1, the bank server 10 determines whether or not the payment method selected by the user corresponds to the payee.

For example, it is assumed that the user has registered multiple credit cards in the electronic payment application and has selected one of them as the credit card to be used normally. The bank server 10 determines that the credit card has been selected as the payment method when the barcode is read from the electronic payment application. The bank server 10 identifies the payee based on the bar code information and determines whether or not the payee accepts credit cards. Here, since the payee is of type (A), the bank server 10 determines that the payee accepts credit cards.

As shown in FIG. 2, a confirmation screen G2 to which points can be applied is displayed on the display unit 35 if the payment destination is capable of accepting credit card payments to which points can be applied. For example, the confirmation screen G2 displays the payee (or the name of the payment), the payment amount, information on points held by the user, and information on the credit card selected by the user. The user can pay part or all of the payment amount with points by selecting the button B20. In the example of FIG. 2, electronic money can also be used, but electronic money does not have to be used. On the other hand, as shown in FIG. 3, if the payment destination can accept credit card payment to which points cannot be applied, the confirmation screen G2 does not display the point information and the button B20.

When the user slides the slide bar B21 on the confirmation screen G2 of FIG. 2 or 3, a payment request is sent to the electronic payment server 20 according to the contents displayed on the confirmation screen G2. The electronic payment server 20 executes payment processing in response to the payment request, and the result is transmitted to the bank server 10 . When the bank server 10 receives the payment completion notification from the electronic payment server 20, it notifies the receiving agent company that the payment has been completed. Thereafter, the user terminal 30 displays a completion screen G3 indicating that the payment has been completed.

FIG. 4 is a diagram showing the flow of payment to the payee of type (B). As shown in FIG. 4, when the photographed screen G1 is displayed and the barcode is detected, the same processing as for the type (A) of the payee is executed, and the bank server 10 detects that the payee is a credit card. Determine whether or not Here, since the payee is of type (B), the bank server 10 determines that the payee does not accept credit cards. In this case, a window W22 containing a message to the effect that the payment destination does not accept credit cards is displayed on the confirmation screen G2.

Since the payee of type (B) is compatible with electronic money, the user can pay directly from the electronic payment application by changing the payment method to electronic money. Therefore, a message prompting the use of electronic money is displayed in the window W22. When the user selects the button B23, a setting screen G4 for changing the payment method is displayed on the display section 35. FIG. If the user selects button B24, the payment of the payment slip can be canceled.

For example, the setting screen G4 displays information on the credit card selected as the payment method. In the example of FIG. 4, "credit card A" is selected. The user has also registered "credit card B" with the electronic payment service, but since the payment destination does not accept credit cards, "credit card B" cannot be selected. The user selects buttons B40 and B41 to change the payment method to electronic money.

When the user selects buttons B40 and B41, a window W42 is displayed indicating that the payment method has been changed to electronic money. When the user selects the button B43, a confirmation screen G2 for paying with electronic money is displayed. Although not shown, the confirmation screen G2 is substantially the same as the confirmation screen G2 of FIGS. 2 and 3, and displays, for example, the payee, the amount of payment, and the electronic money balance. When the user slides the slide bar B21, the payment with electronic money is completed and the completion screen G3 is displayed.

FIG. 5 is a diagram showing the flow of payment to the payee of type (C). As shown in FIG. 5, when the photographed screen G1 is displayed and the barcode is detected, the same processing as for the payment destination of type (A) is executed, and the bank server 10 confirms that the payment destination is a credit card. Determine whether or not Here, since the payee is of type (C), the bank server 10 determines that the payee does not accept credit cards. The bank server 10 also determines that the payee does not accept electronic money. Since the payee of type (C) can pay by bank transfer using a bank application, a window W25 prompting the user to change the payment method to bank transfer is displayed on the confirmation screen G2.

For example, when the user selects the button B26, the bank application is activated and the confirmation screen G2 is displayed on the display unit 35. FIG. When the user selects button B27, the payment of the payment slip can be canceled. Note that the bank application may be manually started by the user instead of being automatically started according to the selection of the button B26. When the bank application is activated, the bar code may be read again, but in this embodiment, the information acquired using the electronic payment application is used.

As shown in FIG. 5, a confirmation screen G5 is displayed on the display unit 35 when the bank application is started. The confirmation screen G5 of the bank application has substantially the same contents as the confirmation screen G2 of the electronic payment application, and displays information such as the payee, the payment amount, and the user's bank account, for example. When the user slides the slide bar B50, the payment by bank transfer is completed and the completion screen G6 is displayed on the display unit 35. FIG. Since the bank transfer is executed by the bank server 10 , the payment request is sent to the bank server 10 instead of the electronic payment server 20 .

Although FIGS. 2 to 5 describe the case where the user activates the electronic payment application to make the payment, the user may activate the bank application to make the payment. In this case, the bank application also displays a photographed screen similar to the photographed screen G1 of the electronic payment application, and when the barcode is detected, a confirmation screen G5 is displayed. In this embodiment, all payees registered in the payment system 1 can accept bank transfers. Therefore, when a bank application is used, a window corresponding to the window W22 in FIG. 4 and the window W25 in FIG. Do not show. If there is a payment destination that does not support bank transfer, as in a modification described later, a window may be displayed prompting the use of another payment method such as a credit card.

As described above, the payment system 1 of the present embodiment allows the user to select an arbitrary payment method from a plurality of payment methods available for each of the electronic payment application and the bank application, thereby using payment slips. It is designed to improve the convenience of users in making payments. Hereinafter, details of the configuration of the payment system 1 will be described.

[3. Functions realized in the payment system]
FIG. 6 is a functional block diagram showing functions implemented in the payment system 1. As shown in FIG. In this embodiment, functions implemented by each of the bank server 10, the electronic payment server 20, and the user terminal 30 will be described.

[3-1. Functions Realized in Bank Server]
As shown in FIG. 6, the bank server 10 implements a data storage unit 100, an acquisition unit 101, an identification unit 102, a reference unit 103, a determination unit 104, a display control unit 105, and an execution unit . The data storage unit 100 is realized mainly by the storage unit 12, and other functions are mainly realized by the control unit 11. FIG.

[Data storage part]
The data storage unit 100 stores data necessary for executing the processing described in this embodiment. Here, as an example of data stored in the data storage unit 100, a payee database DB1 and a payment information database DB2 will be described.

FIG. 7 is a diagram showing an example of data storage in the payee database DB1. As shown in FIG. 7, the payee database DB1 is a database in which information on individual payees is stored. For example, the payee database DB1 stores payee IDs, payee names, and available payment methods. The payee name is the name of the municipality or company that is the payee.

The compatible payment methods are some or all of the multiple payment methods compatible with the payment system 1 . In this embodiment, whether or not each of credit card, electronic money, and bank transfer is supported is indicated. For payment destinations that accept credit cards, whether or not points can be applied is also shown. Whether or not points can be applied can also be said to be whether or not a credit card and points can be used together. When a new payee is registered in the payment system 1, a new record is created in the payee database DB1, and information regarding this payee is stored. Acceptable payment methods may be changeable after the fact.

FIG. 8 is a diagram showing an example of data storage in the payment information database DB2. As shown in FIG. 8, the payment information database DB2 is a database in which payment information relating to individual payments is stored. For example, the payment information database DB2 stores payment IDs, payee IDs, payment amounts, payment deadlines, and payer names.

Since the payment ID is information that uniquely identifies each payment, even if the payment is made to the same payee, the payment ID will be different if the payment is different. The payment ID is information that uniquely identifies the payment described in the payment slip. In this embodiment, when a new payment occurs and a payment slip is issued, a new record is created in the payment information database DB2, and the payment information of this payment is stored.

Note that the data stored in the data storage unit 100 is not limited to the above examples. The data storage unit 100 may store data necessary for bank transfers. For example, the data storage unit 100 may store an account database that stores information such as branch numbers, account numbers, name holders, and balances of accounts opened at banks. This account may include not only an account opened by the user, but also an account for the provider of electronic payment services and an account for receiving remittances from this provider to the bank.

Further, for example, the data storage unit 100 may store application IDs of a bank application and an electronic payment application, which will be described later. It is assumed that the application ID is associated with information identifying the payment method. Therefore, in this embodiment, when the bank server 10 receives the application ID, the payment method associated with the application ID is identified as the payment method selected by the user. Further, for example, the data storage unit 100 may store data for cooperating with a receiving agency. Further, for example, the data storage unit 100 may store an API for cooperating with each of the electronic payment server 20, the user terminal 30, and the server of the collection agent.

[Acquisition unit]
When the barcode of the payment slip is read by the user terminal 30, the acquisition unit 101 acquires payment information related to payment corresponding to the barcode. A payment corresponding to a bar code is a payment with a payment slip on which the bar code is written. Stated another way, the payment corresponding to the barcode is the payment identified based on the information contained in the barcode. In this embodiment, the payment specified by the payment ID included in the barcode information corresponds to the payment corresponding to the barcode.

In this embodiment, since the payment information of each payment is stored in the payment information database DB2, the information stored in each record of the payment information database DB2 corresponds to payment information. The payment information is not limited to the example shown in FIG. 8 as long as it is information that can identify the payment. For example, payment information may not include a payment deadline. Further, for example, the payment information may include identification information of the collection agent. Further, for example, the payment information may be provided with a data area in which the payee can be freely set.

For example, the payment information includes payee information regarding the payee of the payment corresponding to the barcode. The payee information is information that can identify the payee, such as a payee ID. In addition to the payee ID, the payee name may correspond to the payee information. The acquisition unit 101 refers to the payment information database DB2 and acquires payment information related to payment corresponding to the barcode.

In this embodiment, upon reading the barcode, the user terminal 30 acquires barcode information contained in the barcode based on a known detection algorithm. The barcode information includes at least a payment ID. The user terminal 30 transmits barcode information to the bank server 10 . The acquisition unit 101 refers to the record in which the payment ID included in the bar code information received from the user terminal 30 is stored in the payment information database DB2, and acquires the payment information. Note that the captured image may be transmitted from the user terminal 30 to the bank server 10, and the bar code information may be obtained on the bank server 10 side.

[Specified part]
The specifying unit 102 specifies the payment method selected by the user from among the plurality of payment methods. In this embodiment, three payment methods, credit card, electronic money, and bank transfer, are prepared, so the identification unit 102 identifies the payment method selected by the user from among these three payment methods. .

A user-selectable payment method may be common to all users, or may be determined according to the user. For example, if there is a user who uses only an electronic payment application, only two payment methods, credit card and electronic money, may be selectable. The user may select at least one payment method, or may select multiple payment methods. When the user selects multiple payment methods, these multiple payment methods may be used together in one payment, or one of the payment methods is automatically selected based on a predetermined priority. may

In this embodiment, the electronic payment application is provided with a plurality of payment methods, so the payment method selected by the user is one of the plurality of payment methods that can be used by the electronic payment application. In the examples of FIGS. 2 to 5, the user selects a credit card, but the user may select electronic money. In addition, in the example of FIGS. 2 to 5, the case where the payment method selected by the user is the payment method using the electronic payment application of the user terminal 30 has been explained, but the payment method selected by the user is A payment method using an application may be used.

For example, the user terminal 30 transmits information for identifying the payment method selected by the user to the bank server 10, and the identification unit 102 identifies the payment method selected by the user based on this information. do. In the present embodiment, application identification information will be described as an example of this information. The application identification information is information that can identify the application selected by the user, and is, for example, an application ID issued each time the application is installed. A new application ID is issued when the user reinstalls the application. In this embodiment, an application ID is issued to each of the electronic payment application and the bank application. Note that the application identification information may be the name of the application instead of the application ID.

The identification unit 102 identifies the payment method selected by the user based on the application ID of the application selected by the user among the plurality of applications. It is assumed that the correspondence relationship between the application ID and the payment method is stored in the data storage unit 100 in advance. For example, if the application ID is that of an electronic payment application, the identifying unit 102 determines that the user has selected credit card or electronic money. Whether the user selects credit card or electronic money may be transmitted together with the application ID, or in the case of an electronic payment application, the credit card may be specified as the default payment destination. good. Further, for example, if the application ID is that of a bank application, the identifying unit 102 determines that the user has selected bank transfer.

Note that the specifying method by the specifying unit 102 is not limited to the above example. The payment method selected by the user may be identified by the identification information of the payment method selected by the user instead of the application ID. In this case, the user terminal 30 transmits identification information of the payment method to the bank server 10 . For example, this identification information indicates which of credit card, electronic money, or bank transfer was selected. This identification information may be pre-stored in the user terminal 30, or may be generated based on the result of the user's selection of a payment method before or after the barcode is read. good too.

Alternatively, for example, the identification unit 102 may identify the payment method selected by the user based on information stored in the bank server 10 instead of information received from the user terminal 30 . In this case, it is assumed that the identification information of the payment method selected by the user is stored in the data storage unit 100 . For example, a user database storing basic user information may be stored in the data storage unit 100, and the payment method selected by the user (default payment method) may be stored in the user database. In this case, the identification unit 102 acquires user identification information (user ID, user name, etc.) from the user terminal 30, and identifies the payment method associated with this identification information as the payment method selected by the user. good too.

[Reference part]
The reference unit 103 refers to a payee database DB1 in which each of a plurality of payees and a compatible payment method among the plurality of payment methods are associated with each other. The reference unit 103 refers to the payee database DB1, and identifies a compatible payment method associated with the payment corresponding to the barcode. In the present embodiment, the payee ID and the available payment method are associated with the payee database DB1, so the reference unit 103 retrieves the payee ID associated with the payee ID corresponding to the barcode. Identify payment methods. The payee ID for payment corresponding to the barcode may be included in the barcode information received from the user terminal 30, or may be retrieved from the payment ID included in the barcode information.

In the present embodiment, there are credit card payments to which points can be applied and credit card payments to which points cannot be applied as payment destinations of type (A). , whether or not the payment method can be used in combination, is associated with the payee database DB1. The reference unit 103 refers to the payee database DB1, and specifies whether the combined use is permitted or not associated with the payment corresponding to the barcode. In this embodiment, the payee ID and the availability of combined use are associated with the payee database DB1, so the reference unit 103 identifies the acceptability of combined use associated with the payee ID of the payment corresponding to the barcode. In this embodiment, the credit card payment to which points can be applied is a payment method that can be used together, and the credit card payment that cannot be used to apply points is a payment method that cannot be used together. Electronic money and bank transfer are also payment methods that cannot be used together.

[Determination part]
Based on the payee ID and the payee database DB1, the determination unit 104 determines whether or not the payment method selected by the user is compatible with the payee corresponding to the barcode. The determination unit 104 compares the payment method selected by the user with the available payment methods stored in the payee database DB1. If the payment method selected by the user is defined in the payee database DB1 as a compatible payment method, the determination unit 104 determines that the payment method selected by the user is compatible. If the payment method selected by the user is not defined in the payee database DB1 as a compatible payment method, the determination unit 104 determines that the payment method selected by the user is not compatible.

In this embodiment, there are payment methods that can be used together, such as credit card payment to which points can be applied. It is determined whether or not the payment method can be used in combination with the payment destination. The determination unit 104 compares the payment method selected by the user with the possibility of combined use stored in the payee database DB1. The determination unit 104 determines that the payment method selected by the user can be used together if the payment method selected by the user is defined in the payee database DB1 as being compatible. If the payment method selected by the user is not defined in the payee database DB1 as being compatible, the determining unit 104 determines that the payment method selected by the user is not compatible.

[Display control unit]
The display control unit 105 causes the user terminal 30 to display various screens. For example, when the determination unit 104 determines that the method is not available, the display control unit 105 causes the user terminal 30 to display another payment method that can be used by the payment destination corresponding to the barcode. Other payment methods are payment methods not selected by the user. When there are a plurality of other payment methods, the display control unit 105 may display all of the plurality of other payment methods, or may display only some of them. Displaying another payment method means displaying an image showing another payment method, or displaying an image that allows selection of another payment method. In this embodiment, the display control unit 105 is realized by the bank server 10, so the display control unit 105 displays these images by transmitting data for displaying these images to the user terminal 30. .

For example, when the user selects a credit card as the payment destination of type (B), the display control unit 105 displays electronic money as another payment method in the window W22, as shown in the confirmation screen G2 of FIG. Let In this case, the other payment method is another payment method that can be used in the same app as the app for which the user has selected the payment method. Further, for example, when the user selects a credit card or electronic money as the type (C) payment destination, the display control unit 105 displays the other payment method in the window W25 as shown in the confirmation screen G2 of FIG. Show bank transfer. In this case, the other payment method is a payment method using a bank application different from the electronic payment application for which the user has selected the payment method.

[Execution part]
The execution unit 106 executes payment processing for paying with the payment method selected by the user based on the payment information. Payment processing may be processing related to payment corresponding to barcodes. For example, payment processing itself may correspond to payment processing, or preparatory processing necessary for payment processing may correspond to payment processing. good too. For example, the preparatory processing is to transmit information necessary for payment processing to the electronic payment server 20 or the user terminal 30 . Incidentally, the creation of the storage file and the transmission of the electronic message to the storage agent company may correspond to the payment processing.

Since the bank server 10 can execute bank transfer, when the user selects bank transfer, the execution unit 106 executes bank transfer as payment processing. The bank transfer itself may be performed by a known method. For example, the execution unit 106 transfers the payment amount from the user's bank account to the payee's bank account.

On the other hand, when the user selects credit card or electronic money, the electronic payment server 20 executes the payment processing, so the executing unit 106 executes preparatory processing necessary for the credit card or electronic money payment. The preparatory processing in this case may be arbitrary processing, such as transmitting payment information to the user terminal 30 or requesting the electronic payment server 20 to execute payment processing.

As described above, the execution unit 106 changes the details of payment processing according to the payment method selected by the user. That is, the processing contents of the execution unit 106 differ according to the payment method selected by the user. It is assumed that the relationship between the payment method and the processing content is described in advance in the program code. The execution unit 106 executes the payment processing of the processing contents according to the payment method selected by the user.

In this embodiment, the execution unit 106 executes the payment process when the determination unit 104 determines that the payment is possible. The executing unit 106 does not execute the payment processing of the payment method selected by the user when the determination unit 104 determines that the payment method is not available. , execute the payment process of the payment method selected by the user.

For example, in the case of the payee of type (A), since it is determined that any payment method can be selected, the execution unit 106 executes the payment processing of the payment method selected by the user. . Further, for example, in the case of the payment destination of type (B), it is determined that electronic money or bank transfer can be handled. If selected by , execute the payment process for that payment method. Also, for example, in the case of the payee of type (C), since it is determined that bank transfer is possible, the execution unit 106 performs payment processing for bank transfer when the user selects bank transfer. to run.

In this embodiment, if the determination unit 104 determines that the other payment method is not available, it becomes possible to select another payment method. Run a payment process to make payments with your payment method. In the present embodiment, in the case of the (A) type payee, it is determined that any payment method can be selected. Occasionally, the selection of other payment methods will occur.

For example, in the case of type (B) of the payee, if the user selects a credit card, it is determined that it is not available, and the user can select electronic money as another payment method. The execution unit 106 executes electronic money payment processing when the user selects electronic money. Further, for example, in the case of type (C) payment destination, if the user selects credit card or electronic money, it is determined that they are not available, and the user can select bank transfer as another payment method. The execution unit 106 executes payment processing for bank transfer when the user selects bank transfer.

In this embodiment, multiple payment methods can be used together, so the execution unit 106 executes payment processing for making payment using multiple payment methods selected by the user. This payment processing may be processing related to the combined use of multiple payment methods, for example, execution of all settlement processing for multiple payment methods, settlement processing for some payment methods, and preparatory processing for other payment methods. or perform all preparatory processes for multiple payment methods.

In this embodiment, not all payment destinations can be used together. Therefore, when the determination unit 104 determines that the combination is possible, the execution unit 106 selects a plurality of payment methods selected by the user. Execute payment processing for payment in combination. The execution unit 106 does not execute payment processing using a plurality of payment methods in combination when the determination unit 104 determines that the combined use is possible, and confirms that the determination unit 104 has determined that the payment method can be handled. As a condition, execute payment processing using multiple payment methods.

For example, among the types of (A), payment destinations that can accept credit card payments to which points can be applied can make payments using both credit cards and points. perform payment processing for Since the electronic payment server 20 executes the payment processing for the credit card and points, the execution unit 106 executes preparatory processing required for each payment by credit card and points. The meaning of the preparation process is as described above. For example, the execution unit 106 makes part of the payment amount a credit card payment and the remaining part a point payment. If the entire amount is paid in points, the credit card settlement may be executed with 0 yen.

[3-2. Functions Realized in Electronic Payment Server]
As shown in FIG. 6, the electronic payment server 20 implements a data storage unit 200 and a payment unit 201 . The data storage unit 200 is realized mainly by the storage unit 22 , and the settlement unit 201 is mainly realized by the control unit 21 .

[Data storage part]
The data storage unit 200 stores data necessary for settlement. For example, the data storage unit 200 stores a user database that stores information about users who use electronic payment services. This user database stores an application ID of an electronic payment application, credit card information, electronic money information, point information, and the like for each user who uses the electronic payment service.

The credit card information includes the credit card number registered by the user and the expiration date. The electronic money information is, for example, the balance of electronic money held by the user. The point information is, for example, the balance of points held by the user. Payments using credit cards, electronic money, or points are settled based on these pieces of information. A well-known technique may be used for the execution method of settlement itself.

[Settlement department]
The settlement unit 201 executes settlement of payment corresponding to the barcode based on the settlement information stored in the user database. For example, when the user selects a credit card, the settlement unit 201 executes credit card settlement based on the credit card information stored in the user database. Further, for example, when the user selects electronic money, the execution unit 106 executes electronic money settlement based on the electronic money information stored in the user database. If another payment method can be used, the settlement unit 201 may execute settlement processing according to that payment method based on settlement information according to that payment method.

[3-3. Functions implemented in user terminal]
As shown in FIG. 6 , the user terminal 30 implements a data storage unit 300 , a detection unit 301 , a reception unit 302 , and a display control unit 303 . The data storage unit 300 is realized mainly by the storage unit 32, and the other functions are mainly realized by the control unit 31. FIG.

[Data storage part]
The data storage unit 300 stores the data necessary to execute the payment corresponding to the barcode. For example, data storage unit 300 stores an application for using each of a plurality of payment methods. That is, the data storage unit 300 stores a plurality of applications respectively corresponding to a plurality of payment methods. In this embodiment, there are two applications, an electronic payment application and a bank application, and the user can select either application. Therefore, either the electronic payment application or the bank application may correspond to the first application, or may correspond to the second application. The application selected first by the user may correspond to the first application, and the other application selected when the payment method of the application is not compatible may correspond to the second application.

The data storage unit 300 may store information for logging into the application, or may store the payment method selected by the user. In this embodiment, the electronic payment application can register the default payment method, so the data storage unit 300 may store information identifying the default payment method selected by the user.

[Detection unit]
The detection unit 301 detects the barcode of the payment slip. In this embodiment, a case in which a photographed image photographed by the photographing unit 36 is used will be described, but the user terminal 30 may be provided with a dedicated code reader. For example, the detection unit 301 analyzes the captured image to detect the barcode. The detection unit 301 acquires barcode information included in the detected barcode.

[Reception Department]
The accepting unit 302 accepts a user's operation. For example, the reception unit 302 receives selection by the user from among multiple payment methods. In this embodiment, since the payment method is selected by selecting the application, the reception unit 302 receives selection of either the electronic payment application or the bank application. Further, for example, when it is determined that the payment method selected by the user is not compatible, the reception unit 302 receives selection of another payment method.

[Display control unit]
The display control unit 303 displays various screens described in this embodiment. The display control unit 303 activates the application and displays each screen. When the display control unit 303 receives information on other payment methods from the display control unit 303 of the bank server 10, the display control unit 303 displays information on other payment methods.

[4. Processing performed in the payment system]
9-11 are flow diagrams of the processing performed in the payment system 1. FIG. The processes shown in FIGS. 9 to 11 are executed by each of control units 11 , 21 and 31 operating according to programs stored in storage units 12 , 22 and 32 . This processing is an example of processing executed by each functional block.

As shown in FIG. 9, the user terminal 30 activates an electronic payment application or a bank application based on user's operation (S1). When the electronic payment application is activated (S1; electronic payment application), the user terminal 30 activates the photographing unit 36 and causes the display unit 35 to display the photographed screen G1 (S2). In S2, the user terminal 30 continuously acquires captured images based on the detection signal of the imaging unit 36, and displays the captured images on the captured screen G1.

The user terminal 30 detects the barcode based on the captured image (S3). In S3, the user terminal 30 analyzes the captured image based on a known detection algorithm to detect the barcode. The user terminal 30 acquires the barcode information included in the barcode based on the rules defined in the detection algorithm. It is assumed that the barcode information includes at least a payment ID and a payee ID.

The user terminal 30 transmits the application ID of the electronic payment application and the barcode information obtained from the barcode to the bank server 10 (S4). When receiving the application ID and the barcode information, the bank server 10 refers to the payment information database DB2 and acquires the payment information (S5). The bank server 10 determines whether or not the payee is registered in the payee database DB1 (S6). In S6, the bank server 10 determines whether or not the payee ID included in the barcode information exists in the payee database DB1.

If it is determined that the payee is not registered in the payee database DB1 (S6; N), this process ends. In this case, the bank server 10 causes the user terminal 30 to display an error message to notify the user that the payee cannot be handled by the payment system 1 .

On the other hand, if it is determined that the payee is registered in the payee database DB1 (S6; Y), the bank server 10 specifies a credit card as the payment method selected by the user (S7), Based on DB1, it is determined whether or not the payee corresponds to a credit card (S8). In S7, the bank server 10 specifies credit card as the payment method because the application ID received in S5 indicates an electronic payment application. In S8, the bank server 10 also determines whether or not points can be applied in the case of a payee that accepts credit cards.

If it is determined that the payee corresponds to credit card payment to which points can be applied (S8; Along with (payment information acquired in S5), a notification to the effect that points can be allocated is transmitted (S9).

Upon receiving the payment information and the notification, the user terminal 30 causes the display unit 35 to display a confirmation screen G2 on which points can be allocated (S10). The confirmation screen G2 displayed in S10 is in the state shown in FIG. When the user selects button B20, part or all of the payment amount is appropriated with points. Information on points, electronic money, and credit card information owned by the user may be stored in the electronic payment application, or may be acquired from the electronic payment server 20 at the timing when the confirmation screen G2 is displayed. .

When the slide bar B21 is slid, the user terminal 30 transmits a payment request to the electronic payment server 20 (S11). The payment request shall include payment ID, payment amount, selected credit card information, and amount of points and electronic money to be allocated.

Upon receiving the payment request, the electronic payment server 20 executes the payment (S12) and transmits a payment completion notice to the bank server 10 (S13). At S13, the electronic payment server 20 executes credit card payment based on the payment amount. If the user has selected to apply points and electronic money, the electronic payment server 20 executes the payment of points and electronic money for that amount. Known processes can be applied to these settlement processes themselves. It is assumed that the payment completion notice includes the payment ID received from the user terminal 30 .

When the bank server 10 receives the payment completion notice, it creates a storage file based on the payment information database DB2 and transmits the storage telegram to the server of the external storage agency (S14). The bank server 10 transmits a payment completion notification to the user terminal 30 (S15), and from the next business day onwards, the payment is made from the account for the electronic payment service to a separate bank account (S16). For the processing of S14 and S16, the processing of payment using a known payment slip may be used. For example, it is assumed that the amount equivalent to the settlement in S12 is deposited into the account for the electronic settlement service. In this embodiment, the processing from reading the bar code to notification of payment completion and the transfer of funds between companies are performed asynchronously, but they may be synchronized. Upon receiving the payment completion notice, the user terminal 30 causes the display unit 35 to display the completion screen G3 (S17), and the process ends.

If it is determined in S8 that the payee corresponds to credit card payment to which points cannot be applied (S8; points cannot be applied), the process shifts to FIG. 30, along with the payment information corresponding to the payment ID included in the bar code information, a notification to the effect that points cannot be allocated (S18).

When receiving the payment information and notification, the user terminal 30 causes the display unit 35 to display a confirmation screen G2 that points cannot be allocated (S19). The confirmation screen G2 displayed in S19 is in the state shown in FIG. Thereafter, the process proceeds to S11, and credit card settlement is executed in response to the user sliding the slide bar B21. However, in this case, since the points cannot be applied, in S12, the point settlement is not performed, and only the credit card settlement is performed.

If it is determined in S8 that the payee does not accept credit cards (S8; N), the bank server 10 proceeds to FIG. (S20). If it is determined that the payment destination corresponds to electronic money (S20; Y), the bank server 10 sends the payment ID corresponding to the barcode information to the user terminal 30 based on the payment information database DB2. Along with the payment information, a notification is sent to the effect that electronic money can be accepted (S21).

Upon receiving the payment information and notification, the user terminal 30 causes the display unit 35 to display the confirmation screen G2 including the window W22 (S22). The confirmation screen G2 displayed in S22 is in the state shown in FIG. The user terminal 30 displays the setting screen G4 on the display unit 35 when the button B23 is selected (S23).

The user terminal 30 changes the payment method based on the user's operation, displays the window W42 on the setting screen G4 (S24), and displays the confirmation screen G2 for paying with electronic money on the display unit 35 (S25). ). Thereafter, the process proceeds to S11, and electronic money settlement is executed in S12 in response to the user sliding the slide bar B21.

If it is determined in S20 that the payee does not support electronic money (S20; N), the bank server 10 sends the barcode information included in the barcode information to the user terminal 30 based on the payment information database DB2. Along with the payment information corresponding to the payment ID, a notification prompting the bank transfer is sent to the user terminal 30 (S26). When the user terminal 30 receives the payment information and the notification, it causes the display unit 35 to display the confirmation screen G2 including the window W25 (S27). transition to

In S1, when the bank application is activated (S1; bank application), the process shifts to FIG. 11, and the user terminal 30 activates the photographing unit 36 to display a photographed screen similar to the photographed screen G1 on the display unit 35 (S28). ). The subsequent processes of S29 to S33 are the same as the processes of S3 to S7, respectively. In S33, when the application ID of the bank application identifies that the payment method is bank transfer, the bank server 10 sends barcode information to the user terminal 30 based on the payment information database DB2. (S34), along with the payment information corresponding to the payment ID included in the

When receiving the payment information and notification, the user terminal 30 displays a bank transfer confirmation screen G5 on the display unit 35 (S35). The confirmation screen G5 displayed in S35 is in the state shown in FIG. The user terminal 30 transmits a settlement request to the bank server 10 when the slide bar B50 is slid (S36). The payment request shall include user identification information, payment ID, and payment amount. Upon receiving the payment request, the bank server 10 executes payment (S37). At S37, the bank server 10 identifies the user's account based on the user's identification information and executes the bank transfer. The subsequent processes of S38 to S40 are the same as the processes of S14 and S16 to S17, respectively.

According to the payment system 1 described above, a payment method selected by the user from among a plurality of payment methods can be used to execute the payment process for the payment corresponding to the code described in the payment slip. Payment can be made in a method to enhance the user's convenience. In addition, in the present embodiment, the bank server 10 receives the application ID and barcode information when the barcode is read by the user terminal 30, and identifies the payment method selected by the user at this timing. can be done. Therefore, the number of communications between the bank server 10 and the user terminal 30 can be reduced. For example, after the bank server 10 determines in S6 of FIG. 9 and confirms that the payee is registered, the payee name and payment amount are sent to the user terminal 30, and the payment method selected by the user is sent to the user terminal 30. is received from the user terminal 30 to determine whether or not it can be handled, the number of communications between the bank server 10 and the user terminal 30 increases. can be omitted, and the number of communications can be reduced. The payment system 1 allows the bank server 10 to identify the payment method by an application that reads the same barcode.

In addition, the payment system 1 determines whether or not the payment method selected by the user is compatible with the payment destination corresponding to the code described in the payment slip, and if it is determined that it is compatible, By executing the payment corresponding to the code described in the payment slip with the payment method selected by the user, the user can pay with the payment method desired by the payee, and the convenience of the payee company, local government, etc. can be enhanced.

In addition, when it is determined that the payment method selected by the user is not compatible with the payment destination corresponding to the code described in the payment slip, the payment system 1 responds to the code described in the payment slip. Other payment methods that can be handled by the payment destination are displayed on the user terminal 30. - 特許庁If another payment method is selected by the user, an alternative means, even if the original payment method does not support it, by making a payment with the other payment method that corresponds to the code on the payment slip. Payment can be made by another payment method, which can enhance the convenience of the user.

In addition, in the payment system 1, the payment method selected by the user is one of a plurality of payment methods available in the app, and the other payment method is another payment method available in the app. As a result, it is possible to pay within a certain application using another payment method as an alternative means, thereby saving the trouble of activating another application and enhancing the user's convenience.

In addition, in the payment system 1, the payment method selected by the user is the payment method using the first application of the user terminal 30 (for example, electronic payment application), and the other payment method is the first application of the user terminal 30. 2 application (for example, bank application), even if the payment method of a certain application is not supported, payment can be made using another application as an alternative means, and the user can convenience can be enhanced.

In addition, the payment system 1 stores a plurality of applications respectively corresponding to a plurality of payment methods in the user terminal 30, and based on the identification information of the application selected by the user from among the plurality of applications, the user By specifying the payment method selected by , the bank server 10 can specify the payment method as long as it receives the identification information of the application. As a result, it is possible to reduce the number of communications as described above.

In addition, the payment system 1 can enhance the user's convenience by executing payment processing corresponding to the barcode of the payment slip using a plurality of payment methods selected by the user.

In addition, the payment system 1 determines whether or not a plurality of payment methods selected by the user can be used in combination at the payee corresponding to the barcode of the payment slip, and it is determined that the combination is possible. In such a case, combined payments can be made only to payees who allow the use of both payment methods, thereby increasing the convenience of payee companies, local governments, and the like.

[5. Modification]
It should be noted that the present invention is not limited to the embodiments described above. Modifications can be made as appropriate without departing from the gist of the present disclosure.

(1) For example, in the case of the payment destination of type (B), as shown in the confirmation screen G2 of FIG. Either one may be selected by the user.

FIG. 12 is a diagram showing the flow of payment to the payee of type (B) in modification (1). As shown in FIG. 12, in this modified example, a window W28 is displayed on the confirmation screen G2 in which either electronic money or bank transfer can be selected. When the user selects the button B29, the setting screen G4 of FIG. 4 is displayed on the user terminal 30. FIG. When the user selects the button B30, the bank application is activated and the confirmation screen G5 of FIG. 5 is displayed on the user terminal 30. In addition, when the user selects the button B31, the payment of the payment slip can be canceled.

The display control unit 105 of this modification causes the user terminal 30 to display a plurality of other payment methods that can be handled by the payment destination corresponding to the barcode. The multiple other payment methods may be the same app or different apps. The display control unit 105 displays a plurality of other payment methods in a selectable manner. For example, the display control unit 105 selectably displays either electronic money or bank transfer in the window W28.

The execution unit 106 executes payment processing for paying with another payment method selected by the user from among a plurality of other payment methods. The payment processing itself is as explained in the embodiment. The processing of execution unit 106 is different in that payment processing of another payment method selected by the user is executed.

According to the modified example (1), payment processing is executed for payment by another payment method selected by the user from among a plurality of other payment methods that can be handled by the payment destination corresponding to the barcode. By doing so, it is possible to increase the options of alternative payment methods and improve user convenience.

(2) For example, in the embodiment, the payment using a payment slip has been described as an example, but the same processing can be used for payment requiring input of a payment number instead of a payment slip. A payment number is information that uniquely identifies a payment. The payment number may be the same as the payment ID, or information different from the payment ID. The payment number is notified to the user by e-mail or the like. When the user inputs the payment number on a convenience store terminal or the like, a form for payment (a type of payment slip) is printed, and payment can be made on a terminal or the like operated by the store clerk. In this modified example, a case will be described in which payment is made by inputting such a payment number into the user terminal 30 .

It is assumed that the payment information database DB2 of this modified example stores a payment number associated with a payment ID. The payee in this modification is not the payee corresponding to the barcode, but the payee corresponding to the payment number. The processing executed by the payment system 1 is generally the same as the processing described in the embodiment, but the processing for the user terminal 30 to read the barcode and acquire the payment ID included in the barcode information is performed by the user terminal 30. It differs in that it is replaced with a process of obtaining a payment ID using the entered payment number.

When a payment number is input to the user terminal 30, the acquisition unit 101 acquires payment information related to payment corresponding to the payment number. A payment corresponding to a payment number is a payment identified based on the payment number. In the payment information database DB2, the payment corresponding to the record storing the payment number input by the user is the payment corresponding to the payment number. Processing after payment is specified is the same as in the embodiment.

According to the modified example (2), the payment method selected by the user from among a plurality of payment methods is used to make the payment corresponding to the payment number. convenience can be enhanced.

(3) Further, for example, the above modifications may be combined.

Also, for example, in the embodiment, the case where the payee is one of types (A) to (C) has been described, but the payee type is not limited to these. The payee should be compatible with at least one of a plurality of payment methods. For example, there may be a payee that accepts credit cards but does not accept bank transfers. In this case, when the user reads the bar code or inputs the payment number using the bank application, a message prompting credit card payment may be displayed on the user terminal 30 and the electronic payment application may be activated. Also, for example, the payment method is not limited to credit card, electronic money, and bank transfer, and any combination of payment methods can be applied.

Also, for example, the case where two applications, an electronic payment application and a bank application, are installed in the user terminal 30 has been described, but only one of the applications may be installed in the user terminal 30 . Further, for example, the user terminal 30 may use an application other than the electronic payment application and the bank application to read the barcode of the payment slip or input the payment number. Alternatively, for example, payment may be made using a browser or the like without using an application. Also, for example, although a bank has been described as an example of a financial institution, a payment method using a financial institution other than a bank may be used.

Further, for example, the bank server 10 may be notified of whether or not the bank application is installed when a barcode is read or a payment number is input with an electronic payment application. In this case, the bank server 10 may display a message prompting bank transfer as shown in FIG. 5 only when a bank application is installed. In this way, when a barcode is read or a payment number is entered by an electronic payment application, other payment methods other than the payment method selected by the user (other payment methods available to the user) are accepted. The bank server 10 may be notified, and the bank server 10 may cause the user terminal 30 to display the notified other payment method when the payment method selected by the user is not supported by the payee.

Also, for example, the data storage unit 100 may be realized by a database server different from the bank server 10 . Also, for example, the functions described as being implemented in the bank server 10 may be implemented in the electronic payment server 20 or the user terminal 30 . Also, for example, the functions described as being implemented in the electronic payment server 20 or the user terminal 30 may be implemented in the bank server 10 . In addition, for example, each function may be realized by another computer, or may be shared by a plurality of computers.

1 payment system, N network, 10 bank server, 11, 21, 31 control unit, 12, 22, 32 storage unit, 13, 23, 33 communication unit, 20 electronic payment server, 30 user terminal, 34 operation unit, 35 display Part, 36 photographing part, G1 photographing screen, G2 confirmation screen, G3 completion screen, G4 setting screen, G5 confirmation screen, G6 completion screen, 100 data storage part, 101 acquisition part, 102 identification part, 103 reference part, 104 determination part , 105 display control unit, 106 execution unit, 200 data storage unit, 201 payment unit, 300 data storage unit, 301 detection unit, 302 reception unit, 303 display control unit, B20, B23, B24, B26, B29, B30, B40 , B43 button, B21, B50 slide bar, DB1 payee database, DB2 payment information database, W22, W25, W28, W42 window.

Claims (10)

A payment system of a financial institution capable of cooperating with each of an electronic payment server of an electronic payment service provider and a server of a receiving agent,
When the code written on the payment slip is read by the electronic payment application of the electronic payment service installed on the user terminal, or when the payment number is entered into the electronic payment application of the electronic payment service installed on the user terminal acquisition means for acquiring payment information including payee information regarding a payee for payment corresponding to the code or the payment number, which is transmitted by the electronic payment application ;
identifying means for identifying a payment method selected by a user from among a plurality of payment methods available in the electronic payment application ;
a reference means for referring to a payee database in which each of a plurality of payees and a compatible payment method among the plurality of payment methods are associated;
determination means for determining whether or not the payment method selected by the user is compatible with the payment destination based on the payment destination information and the payment destination database;
selected by the user based on the payment information when the payment method determined by the determining means to be compatible and the payment processing related to the payment method selected by the user is executed by the electronic payment server Execution means for creating a storage file or transmitting a telegram to the receipt agency as payment processing for making the payment using the payment method;
payment system including; The payment system further includes display control means for displaying on the user terminal another payment method that can be supported by the payment destination when the determination means determines that it is not compatible,
The executing means executes payment processing for making the payment with the other payment method when the other payment method is selected by the user.
The payment system of Claim 1 . The display control means causes the user terminal to display a plurality of other payment methods that can be handled by the payment destination,
The execution means executes payment processing for making the payment with another payment method selected by the user from among the plurality of other payment methods.
3. A payment system according to claim 2 . The user terminal stores an application for using each of the plurality of payment methods,
the payment method selected by the user is any one of the plurality of payment methods available in the app;
the other payment method is another payment method available in the app;
4. A payment system according to claim 2 or 3 . the payment method selected by the user is a payment method using the first application of the user terminal;
The other payment method is a payment method using a second application of the user terminal,
The payment system according to any one of claims 2-4 . The user terminal stores a plurality of applications respectively corresponding to the plurality of payment methods,
The identification means identifies the payment method selected by the user based on identification information of the application selected by the user from among the plurality of applications.
The payment system according to any one of claims 1-5 . The executing means executes payment processing for making the payment using a plurality of payment methods selected by the user.
The payment system according to any one of claims 1-6 . The payment system is
a reference means for referring to a payee database associated with each of a plurality of payees and whether or not payment methods can be used together;
determination means for determining whether or not the payment method can be used in combination at the payment destination based on the payment destination information and the payment destination database;
further comprising
The executing means executes payment processing for making the payment using a plurality of payment methods selected by the user in combination when the determination means determines that the combined use is possible.
A payment system according to claim 7 . A computer of a financial institution capable of cooperating with each of the electronic payment server of the electronic payment service provider and the server of the collection agency,
When the code written on the payment slip is read by the electronic payment application of the electronic payment service installed on the user terminal, or when the payment number is entered into the electronic payment application of the electronic payment service installed on the user terminal an acquiring step of acquiring payment information including payee information regarding a payee for payment corresponding to the code or the payment number, which is transmitted by the electronic payment application ;
a specifying step of specifying a payment method selected by a user from among a plurality of payment methods available in the electronic payment application ;
a referencing step of referring to a payee database in which each of a plurality of payees and a compatible payment method among the plurality of payment methods are associated;
a determination step of determining whether or not the payment method selected by the user is compatible with the payment destination based on the payment destination information and the payment destination database;
selected by the user based on the payment information when it is determined by the determining step that the payment method selected by the user is available and the payment processing for the payment method selected by the user is executed by the electronic payment server an execution step of creating a storage file or transmitting a telegram to the collection agent as payment processing for making the payment with the payment method;
Payment method to perform. A computer of a financial institution capable of cooperating with each of the electronic payment server of the electronic payment service provider and the server of the collection agency,
When the code written on the payment slip is read by the electronic payment application of the electronic payment service installed on the user terminal, or when the payment number is entered into the electronic payment application of the electronic payment service installed on the user terminal acquisition means for acquiring payment information including payee information regarding payees for payment corresponding to the code or the payment number transmitted by the electronic payment application ,
identifying means for identifying a payment method selected by a user from among a plurality of payment methods available in the electronic payment application ;
a reference means for referring to a payee database in which each of a plurality of payees and a payment method available among the plurality of payment methods are associated;
determination means for determining whether or not the payment method selected by the user is compatible with the payment destination based on the payment destination information and the payment destination database;
selected by the user based on the payment information when the electronic settlement server determines that the payment method can be handled by the determining means and the payment processing related to the payment method selected by the user is executed by the electronic settlement server Execution means for executing the creation of a storage file or the transmission of a telegram to the receipt agency as payment processing for making the payment by the payment method;
A program to function as

Images