JP7315384B2 - Information processing system - Google Patents

Description

The present invention relates to technology for linking electronic payment processing and privilege provision processing.

BACKGROUND ART With the spread of mobile terminals such as smart phones, electronic settlement services for electronic settlement using the mobile terminals and privilege granting services for granting privileges to users who have conducted commercial transactions have become widely used. For example, Patent Literature 1 discloses a mechanism for linking such an electronic payment service and a privilege granting service.

JP 2009-134521 A

By the way, in the current system, when a user purchases a product at a store, he or she needs to perform an operation on a mobile terminal such as a smart phone to receive an electronic payment service (for example, an operation for starting a program for receiving an electronic payment service and displaying a dedicated one-dimensional code or a two-dimensional code on the mobile terminal), and further an operation for receiving a privilege such as points according to the purchase of the product (for example, an operation for starting a program for receiving a privilege giving service and displaying a dedicated two-dimensional code on the mobile terminal). In particular, when a user purchases merchandise at one store and receives privileges from a plurality of privilege granting services, it is necessary to repeat operations for receiving the respective privilege granting services, which is very troublesome for the user. On the other hand, store employees also need to operate the store terminal one by one according to the user's operation, which is also troublesome.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to reduce the operational burden for performing processing related to electronic payment and awarding of privileges.

In order to achieve the above object, the present invention includes a shop terminal and a payment management device that performs processing related to electronic payment, wherein the shop terminal includes a first acquisition unit that acquires first user identification information for identifying a user in the payment management device from the mobile terminal of the user; a first transmission unit that transmits a payment request including the acquired first user identification information to the payment management device; a second acquisition unit configured to acquire second user identification information; and a second transmission unit configured to transmit a privilege grant request including the acquired second user identification information to the privilege granting device. and a notification unit that notifies, in the payment management device, the storage unit stores a plurality of the second user identification information for identifying the user in the plurality of privilege granting devices in association with the first user identification information of each user; the notification unit notifies the store terminal of the plurality of the second user identification information associated with the first user identification information included in the payment request; Sending each of the privilege granting requests, including one each, to each of the plurality of privilege granting devicesTo provide an information processing system characterized by:

Further, the present invention includes a shop terminal and a payment management device that performs processing related to electronic payment, wherein the shop terminal includes a first acquisition unit that acquires first user identification information for identifying a user in the payment management device from the mobile terminal of the user, a first transmission unit that transmits a payment request including the acquired first user identification information to the payment management device, and a second user identification for identifying the user in a privilege giving device that performs processing for giving a privilege to the user from the payment management device. The payment management device includes: a second acquisition unit that acquires information; and a second transmission unit that transmits a privilege grant request including the acquired second user identification information to the privilege granting device, the payment management device comprising: a storage unit that stores the first user identification information and the second user identification information of each user in association with each other; wherein the payment management apparatus performs user authentication using the first user identification information on the first authentication screen for performing user authentication using the first user identification information in the portable terminal, then transitions to a second authentication screen for performing user authentication using the second user identification information, and performs user authentication using the second user identification information on the second authentication screen, the storage unit stores the first user identification information used on the first authentication screen, and an information processing system characterized in that the second user identification information used on the second authentication screen is associated and stored.

The payment management device may include a third transmission unit that transmits a payment completion notification to the mobile terminal corresponding to the first user identification information when processing related to electronic payment in response to the payment request is completed.

The payment management device may include a third acquisition unit that acquires the second user identification information included in a captured image obtained by capturing a medium on which the second user identification information is written, and the storage unit may store the first user identification information and the second user identification information in association with each other when authentication is performed by the privilege granting device using the code written on the medium.

The second transmission unit of the store terminal may transmit a privilege subtraction request requesting subtraction of the privilege, including the second user identification information acquired by the second acquisition unit, to the privilege granting device when subtracting the privilege granted in response to the privilege grant request.

The payment management apparatus may include a fourth acquisition unit that acquires the second user identification information from the mobile terminal, and the storage unit may store the first user identification information transmitted by the first transmission unit of the store terminal in association with the second user identification information acquired from the mobile terminal by the fourth acquisition unit.

Advantageous Effects of Invention According to the present invention, it is possible to reduce the operational burden for performing processing related to electronic payment and awarding of privileges.

1 is a diagram showing an example of a configuration of an information processing system 1; FIG. 2 is a diagram showing a hardware configuration of a store terminal 20; FIG. It is a figure which shows an example of the data which the privilege provision apparatus 30a memorize|stores. It is a figure which shows an example of the data which the privilege provision apparatus 30b memorize|stores. 4 is a diagram showing an example of data stored by the settlement management device 40; FIG. 2 is a diagram illustrating an example of a functional configuration of an information processing system; FIG. 4 is a sequence diagram showing an example of operations by the information processing system 1; FIG.

[composition]
FIG. 1 is a diagram showing an example of an information processing system 1 according to this embodiment. The information processing system 1 is a system for electronically performing settlement in a commercial transaction in which a user pays money to purchase a product or service at a store, and for giving the user some privilege according to the commercial transaction. The privilege here is something that is valuable to the user, such as points that the user can use instead of money at a store or the like.

As shown in FIG. 1, an information processing system 1 includes a mobile terminal 10 carried by a user, a store terminal 20 installed in a store, privilege granting devices 30a and 30b that perform processing for granting a privilege to the user, a settlement management device 40 that performs processing related to electronic settlement, and a communication network 2 including a wireless communication network or a wired communication network that communicably connects them. The mobile terminal 10, the store terminal 20, the privilege granting devices 30a and 30b, and the settlement management device 40 are all communicable computers. More specifically, the mobile terminal 10 is a user-portable computer such as a smart phone, a wearable terminal, or a tablet. The store terminal 20 is a terminal operated in a store, and may be, for example, a computer integrated with a POS (Point of Sales) cash register, a computer connected to the POS cash register, or a computer called a settlement terminal. The privilege granting devices 30a and 30b and the settlement management device 40 are computers configured as servers. Although FIG. 1 shows one mobile terminal, one store terminal, and one payment management device, each of these may be plural. Also, the number of privilege granting devices may be one, or three or more.

FIG. 2 is a diagram showing the hardware configuration of the store terminal 20. As shown in FIG. The store terminal 20 is physically configured as a computer including a processor 2001, a memory 2002, a storage 2003, a communication device 2004, an input device 2005, an output device 2006, and a bus connecting them. Each of these devices operates with power supplied from a battery (not shown). Note that in the following description, the term "apparatus" can be read as a circuit, device, unit, or the like. The hardware configuration of the store terminal 20 may be configured to include one or more of the devices shown in FIG. 2, or may be configured without some of the devices. Further, the shop terminal 20 may be configured by connecting a plurality of devices each having a different housing for communication.

Each function of the store terminal 20 is realized by loading predetermined software (program) onto hardware such as the processor 2001 and memory 2002, causing the processor 2001 to perform calculations, controlling communication by the communication device 2004, and controlling at least one of reading and writing data in the memory 2002 and storage 2003.

The processor 2001, for example, operates an operating system and controls the entire computer. The processor 2001 may be configured by a central processing unit (CPU) including an interface with peripheral devices, a control device, an arithmetic device, registers, and the like. Also, for example, a baseband signal processing unit, a call processing unit, and the like may be implemented by the processor 2001 .

The processor 2001 reads programs (program codes), software modules, data, etc. from at least one of the storage 2003 and the communication device 2004 to the memory 2002, and executes various processes according to them. As the program, a program that causes a computer to execute at least part of the operations described later is used. The functional blocks of the store terminal 20 may be stored in the memory 2002 and implemented by a control program running on the processor 2001 . Various processes may be executed by one processor 2001, but may also be executed by two or more processors 2001 simultaneously or sequentially. Processor 2001 may be implemented by one or more chips. Note that the program may be transmitted from the communication network 2 to the shop terminal 20 via an electric communication line.

The memory 2002 is a computer-readable recording medium, and may be composed of at least one of, for example, ROM (Read Only Memory), EPROM (Erasable Programmable ROM), EEPROM (Electrically Erasable Programmable ROM), RAM (Random Access Memory), and the like. The memory 2002 may also be called a register, cache, main memory (main storage device), or the like. The memory 2002 can store executable programs (program code), software modules, etc. to perform the methods of the present invention.

The storage 2003 is a computer-readable recording medium, for example, an optical disc such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disc, a magneto-optical disc (e.g., a compact disc, a digital versatile disc, a Blu-ray (registered trademark) disc), a smart card, a flash memory (e.g., a card, a stick, a key drive), a floppy (registered trademark) disc, or a magnetic strip. Storage 2003 may also be called an auxiliary storage device.

The communication device 2004 is hardware (transmitting/receiving device) for communicating between computers via the communication network 2, and is also called a network device, network controller, network card, communication module, or the like.

The input device 2005 is an input device (for example, a key, microphone, switch, button, camera, sensor, two-dimensional code reader, etc.) that receives input from the outside. The output device 2006 is an output device (for example, display, speaker, LED lamp, etc.) that outputs to the outside. Note that the input device 2005 and the output device 2006 may be integrated (for example, a touch panel).

Each device such as processor 2001 and memory 2002 is connected by a bus for communicating information. The bus may be configured using a single bus, or may be configured using different buses between devices.

The store terminal 20 may include hardware such as a microprocessor, a digital signal processor (DSP), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array). The hardware may implement part or all of each functional block. For example, processor 2001 may be implemented using at least one of these pieces of hardware.

The mobile terminal 10, the privilege granting devices 30a and 30b, and the payment management device 40 are hardware for realizing a computer, similar to the store terminal 20 shown in FIG. However, the communication device provided in the mobile terminal 10 is hardware (transmitting/receiving device) for performing communication between computers via the communication network 2 according to a communication standard such as LTE (Long Time Evolution) in order to realize wireless communication. This communication device may include a high-frequency switch, duplexer, filter, frequency synthesizer, etc., in order to realize at least one of, for example, frequency division duplex (FDD) and time division duplex (TDD). Also, a transmitting/receiving antenna, an amplifier section, a transmitting/receiving section, a transmission line interface, etc. may be realized by this communication device. The transmitter/receiver may be physically or logically separated from the transmitter and receiver.

As shown in FIG. 3, the privilege granting device 30a associates a privilege user ID (second user identification information), which is identification information for identifying a user in the privilege granting service provided by the self device, with the privilege given to the user and stores them in the storage. In the privilege granting device 30a, when a user performs user registration for receiving a privilege granting service provided by the privilege granting device 30a, a privilege user ID for identifying the user is generated and stored. The example of FIG. 3 exemplifies points that can be used in place of money as benefits. For example, the privilege given to the user with the privilege user ID “AU001” is “1500” points.

Similarly, as shown in FIG. 4, the privilege granting device 30b associates a privilege user ID (second user identification information), which is identification information for identifying a user in the privilege granting service provided by the self device, with the privilege given to the user, and stores them in the storage. In the privilege granting device 30b, when a user performs user registration for receiving the privilege granting service provided by the privilege granting device 30b, a privilege user ID for identifying the user is generated and stored. The example of FIG. 4 exemplifies points that can be used in place of money as benefits. For example, the privilege granted to the user with the privilege user ID “BU001” is “12” points. Privilege User ID in Privilege Granting Device 30a and Privilege User ID in Privilege Granting Device 30b
are different from each other. Therefore, the privilege granting device 30a cannot grasp the privilege user ID in the privilege granting device 30b, and the privilege granting device 30b cannot grasp the privilege user ID in the privilege granting device 30a.

Next, as shown in FIG. 5, the payment management device 40 associates and stores a payment user ID (first user identification information), which is identification information for identifying a user in the electronic payment service provided by the device itself, a privilege user ID (second user identification information) for identifying a user in the privilege granting device 30a, and a privilege user ID (second user identification information) for identifying a user in the privilege granting device 30b, in a storage. In the payment management apparatus 40, when a user performs user registration for receiving electronic payment services provided by the payment management apparatus 40, a payment user ID for identifying the user is generated and stored. A privilege user ID of a certain user in the privilege granting devices 30a, 30b is respectively input to the settlement management device 40 by notification from the privilege granting devices 30a, 30b via the communication network 2 or manual input by an administrator of the settlement management device 40, and these are stored in association with the user's settlement user ID. In the example of FIG. 5, the privilege user ID "AU001" of the privilege granting device 30a and the privilege user ID "BU001" of the privilege granting device 30b are stored in association with the settlement user ID "XU001" of a certain user. In other words, the settlement management device 40 can grasp the privilege user ID of a certain user in the privilege granting device 30a and the privilege user ID of the user in the privilege granting device 30a.

FIG. 6 is a block diagram showing the functional configuration of the information processing system 1. As shown in FIG. In the portable terminal 10, information indicating the payment user ID (for example, a two-dimensional code in which information including the payment user ID is encoded) is output (for example, displayed). In the store terminal 20 , the first acquisition unit 21 acquires the payment user ID from the mobile terminal 10 . This acquisition is achieved, for example, by optically reading the two-dimensional code displayed on the portable terminal 10 with a two-dimensional code reader or the like provided in the store terminal 20 to decode the payment user ID.

In the store terminal 20 , the first transmission unit 22 transmits a payment request including the payment user ID acquired by the first acquisition unit 21 to the payment management device 40 via the communication network 2 . In addition to the payment user ID, this payment request includes, for example, the amount of money the user should pay to the store in a commercial transaction occurring at the store (that is, the settlement amount), the date and time of the commercial transaction, and a request to electronically settle the amount of money.

In the payment management device 40, the storage unit 41 stores the payment user ID and privilege user ID of each user in association with each other (see FIG. 5). More specifically, the storage unit 41 stores a plurality of privilege user IDs for identifying the user in the plurality of privilege granting devices 30a and 30b in association with each user's payment user ID.

In the settlement management device 40, the notification unit 42 reads the privilege user ID associated with the settlement user ID included in the settlement request from the storage unit 41 in response to the settlement request from the store terminal 20, and notifies the store terminal 20 via the communication network 2. As illustrated in FIG. 5, when a plurality of privilege user IDs are associated with a payment user ID, the notification unit 42 reads out the plurality of privilege user IDs associated with the payment user ID included in the payment request from the storage unit 41 and notifies the store terminal 20 of them.

In the store terminal 20 , the second acquisition section 23 acquires the privilege user ID notified via the communication network 2 from the notification section 42 of the payment management device 40 .

In the store terminal 20 , the second transmission section 24 transmits a privilege grant request including the privilege user ID acquired by the second acquisition section 23 to the privilege granting devices 30 a and 30 b via the communication network 2 . At this time, when the privilege user IDs of the privilege granting devices 30a and 30b are respectively acquired by the second acquisition unit 23, the second transmission unit 24 transmits a privilege grant request including each of these privilege user IDs to the corresponding privilege granting devices 30a and 30b. In addition to the privilege user ID, this privilege provision request includes, for example, the payment amount, the date and time of the commercial transaction, and a request to give the user a privilege corresponding to the payment amount.

In the payment management device 40 , the payment unit 43 performs processing related to electronic payment in response to a payment request from the shop terminal 20 . Specifically, the settlement unit 43 performs processing of notifying the settlement amount and the like to financial institutions such as banks and credit card companies in order to collect the settlement amount included in the settlement request from the user using the bank account or credit card corresponding to the settlement user ID included in the settlement request. Information on the bank account and credit card corresponding to the settlement user ID is stored in advance in the settlement management device 40 at the time of user registration. When the settlement management device 40 itself is under the control of a financial institution, when the settlement management device 40 manages a prepaid balance, or when the settlement management device 40 settles with value information called points given to the user by the settlement management device 40, the settlement management device 40 itself performs processing such as registering the settlement amount.

In the settlement management device 40, the third transmission unit 44 transmits a settlement completion notice to the mobile terminal 10 corresponding to the settlement user ID via the communication network 2 when the settlement unit 43 completes the electronic settlement process in response to the settlement request.

[motion]
Next, operation of the information processing system 1 will be described with reference to FIG. In the following description, when the store terminal 20 is described as the main body of processing, it specifically means that processing is executed by causing the processor 2001 to perform calculations by reading predetermined software (programs) on hardware such as the processor 2001 and the memory 2002, and controlling communication by the communication device 2004 and reading and/or writing of data in the memory 2002 and the storage 2003. The same applies to the mobile terminal 10, the privilege granting devices 30a and 30b, the settlement management device 40, and the like.

Before the process shown in FIG. 7 is started, it is assumed that the user has registered for the privilege granting service provided by the privilege granting devices 30a and 30b and also registered for the electronic settlement service provided by the settlement management device 40. As a result, the information illustrated in FIGS. 3 to 5 is stored in the privilege granting devices 30a and 30b and the settlement management device 40, respectively.

When a user selects a product at a store and makes a payment at a cash register, the user operates the portable terminal 10 to start a program for realizing an electronic payment service. In response, the mobile terminal 10 requests the one-time token from the settlement management device 40 via the communication network 2 (step S11). In response to this request, the payment management device 40 generates a one-time token including the payment user ID of the user of the mobile terminal 10 (here, "XU001" in FIG. 5) (step S12), and transmits it to the mobile terminal 10 via the communication network 2 (step S13).

The mobile terminal 10 generates and displays a two-dimensional code obtained by encoding the one-time token including the payment user ID (step S14). When the user shows the two-dimensional code displayed on the portable terminal 10 to the employee of the store, the employee causes the two-dimensional code reader of the store terminal 20 to read the two-dimensional code (step S15). The first acquisition unit 21 of the shop terminal 20 decodes the two-dimensional code and acquires the payment user ID.

Next, the first transmission unit 22 of the shop terminal 20 transmits a payment request including the payment user ID acquired by the first acquisition unit 21 to the payment management device 40 via the communication network 2 (step S16). This payment request includes, in addition to the payment user ID "XU001", for example, the payment amount, the date and time of the commercial transaction, and a request for electronic payment with the amount of money.

The payment unit 43 of the payment management device 40 performs processing related to electronic payment in response to the payment request from the shop terminal 20 (step S17). Specifically, the settlement unit 43 performs processing of notifying the settlement amount and the like to financial institutions such as banks and credit card companies in order to collect the settlement amount included in the settlement request from the user using the bank account or credit card corresponding to the settlement user ID included in the settlement request. When the payment management device 40 itself is under the control of a financial institution, when the payment management device 40 manages a prepaid balance, or when the payment management device 40 makes a payment using value information called points given to the user by the payment management device 40, the payment management device 40 itself performs processing such as registering the payment amount. The notification unit 42 of the settlement management device 40 reads the privilege user ID associated with the settlement user ID included in the settlement request from the storage unit 41 (step S18), and notifies the store terminal 20 of the completion of settlement including the privilege user ID via the communication network 2 (step S19). Here, the notification unit 42 reads from the storage unit 41 a plurality of privilege user IDs “AU001” and “BU001” (see FIG. 5) associated with the payment user ID “XU001” included in the payment request from the store terminal 20, and notifies the store terminal 20. The processing of step S17 and the processing of step S18 may be performed substantially at the same time, or the processing of step S17 may be performed immediately after the processing of step S18.

The second acquisition unit 23 of the store terminal 20 receives the payment completion notification from the notification unit 42 of the payment management device 40 via the communication network 2, and acquires a plurality of privileged user IDs "AU001" and "BU001" included in the notification.

The second transmission unit 24 of the store terminal 20 transmits a privilege grant request including the privilege user ID "AU001" acquired by the second acquisition unit 23 to the corresponding privilege grant device 30a (step S20). In addition to the privilege user ID "AU001", this privilege provision request includes, for example, the payment amount, the date and time of the commercial transaction, and a request to give the user a privilege corresponding to the payment amount. In response to this privilege granting request, the privilege granting device 30a performs privilege granting processing for storing a privilege corresponding to the settlement amount in association with the privilege user ID "AU001" (step S21). As a result, the privilege corresponding to the privilege user ID "AU001" illustrated in FIG. 3 is updated. Then, the privilege granting device 30a transmits a privilege granting process completion notice to the settlement management device 40 (step S22).

Similarly, the second transmission unit 24 of the store terminal 20 transmits a privilege grant request including the privilege user ID "BU001" acquired by the second acquisition unit 23 to the corresponding privilege grant device 30b (step S20). In addition to the privilege user ID "BU001", this privilege provision request includes, for example, the settlement amount, the date and time of the commercial transaction, and a request to grant the user a privilege corresponding to the settlement amount. In response to this privilege granting request, the privilege granting device 30b performs a privilege granting process of storing a privilege corresponding to the settlement amount in association with the privilege user ID "BU001" (step S21). As a result, the privilege corresponding to the privilege user ID "BU001" illustrated in FIG. 4 is updated. Then, the privilege granting device 30b transmits a privilege granting process completion notice to the shop terminal 20 (step S22).

When the settlement unit 43 completes the electronic settlement process, the third transmission unit 44 of the settlement management device 40 transmits a settlement completion notice to the mobile terminal 10 corresponding to the settlement user ID via the communication network 2 (step S23). The user can confirm that the electronic payment and privilege giving process are completed by looking at this payment completion notification.

According to the embodiment described above, the processing related to electronic payment and privilege provision in the information processing system 1 is executed only by the user performing an operation to start the program for electronic payment. Therefore, it is possible to reduce the user's operational burden for performing processing related to electronic payment and awarding of privileges. Similarly, according to the above-described embodiment, the burden of operating the store terminal 20 on the store employee is reduced.

[Modification]
The invention is not limited to the embodiments described above. The embodiment described above may be modified as follows. Also, two or more of the following modified examples may be combined for implementation.
[Modification 1]
In the above-described embodiment, the privilege user IDs of the privilege granting devices 30a and 30b are input to the settlement management device 40 via the communication network 2 from the privilege granting devices 30a and 30b or manually input by the administrator of the settlement management device 40, and stored in association with the settlement user ID. Input of the privileged user ID and the settlement user ID to the settlement management apparatus 40 may be realized by using the user's operation related to user authentication or login. Specifically, the payment management device 40 causes the portable terminal 10 to display a payment authentication screen for performing user authentication (or login) using the payment user ID, causes user authentication to be performed using the payment user ID on the payment authentication screen, then transitions to a privilege granting authentication screen for user authentication using the privilege user ID, and causes user authentication to be performed using the privilege user ID on the privilege granting authentication screen. At this time, the payment management device 40 stores the payment user ID input on the payment authentication screen and the privilege user ID input on the privilege provision authentication screen, and stores them in association with each other. When there are a plurality of privilege granting devices, similarly to the above, the settlement management device 40 causes the mobile terminal 10 to display the settlement authentication screen, and then sequentially transition to each privilege granting authentication screen to input the privilege user ID. That is, the payment management device 40 performs user authentication using the payment user ID (first user identification information) on the first authentication screen for performing user authentication using the payment user ID (first user identification information) on the mobile terminal 10, and then transitions to the second authentication screen for performing user authentication using the privilege user ID (second user identification information). , the payment user ID (first user identification information) and the privilege user ID (second user identification information) may be stored in association with each other.

Further, the portable terminal 10 may store the settlement user ID and the privilege granting user ID in association with each other at the time of user registration for the privilege granting service and the electronic settlement service, and include the settlement user ID and the privilege granting user ID in the request when requesting a one-time token from the settlement management device 40. In response, the payment management device 40 associates and stores the payment user ID and privilege granting user ID included in the one-time token. That is, the payment management device 40 may include a fourth acquisition unit that acquires the privilege user ID (second user identification information) from the mobile terminal, and the storage unit 41 may store the payment user ID (first user identification information) transmitted by the first transmission unit 22 of the store terminal 20 in association with the privilege user ID (second user identification information) acquired from the mobile terminal by the fourth acquisition unit.

[Modification 2]
The privilege user ID is written on a card-like medium distributed to the user by the administrator of the privilege granting devices 30a and 30b, and the medium may have a code (a string of numbers or letters) peculiar to the medium written thereon. When a user takes an image of a privilege user ID written on the medium with a portable terminal 10 and inputs a code written on the medium to the portable terminal 10, the portable terminal 10 transmits the privilege user ID and the code to a privilege granting device at the time of user registration for the privilege giving service. A privilege giving device stores a set of a privilege user ID and a code written on a medium, and confirms the legitimacy of the user and performs user registration by collating the pair with the pair of the privilege user ID and the code acquired from the portable terminal 10.例文帳に追加After such user registration, the payment management device 40 associates and stores the payment user ID and the privilege granting user ID. That is, the payment management device 40 has a third acquisition unit that acquires the privilege user ID (second user identification information) contained in the captured image of the medium on which the privilege user ID (second user identification information) is recorded by communicating with the privilege grant device to exchange information. may be stored.

[Modification 3]
After a user purchases a product at a store, there are cases where the user wants to cancel the purchase. In this case, the store terminal 20 transmits a privilege subtraction request (a request including the value of the reduction of the settlement amount and a privilege user ID) for requesting the subtraction of the privilege according to the amount of reduction of the settlement amount input by the employee to the privilege granting device. In response to this request, the privilege granting device performs processing for subtracting the stored privilege. That is, when subtracting the privilege granted by the privilege grant request, the second transmission unit 24 of the store terminal 20 may include the privilege user ID (second user identification information) acquired by the second acquisition unit 23 and transmit a privilege subtraction request requesting subtraction of the privilege to the privilege granting device.

[Modification 4]
The store terminal 20 may function only as a thin client and the payment management device 40 and the privilege granting devices 30a and 30b may perform the processing, or the store terminal 20 may partially process and the rest may be processed by the settlement management device 40 and the privilege granting devices 30a and 30b. Also, between the store terminal 20 and the payment management device 40 or the privilege granting devices 30a and 30b, a store manager's headquarters server or a relay processing company server that performs switching between payment companies may be interposed.

Moreover, in the portable terminal 10, information output is not limited to image display such as a two-dimensional code as exemplified in the embodiment, and may be output using non-contact communication or voice, for example. In this case, the first acquisition unit of the shop terminal acquires via non-contact communication or voice.

[Other Modifications]
It should be noted that the block diagrams used in the description of the above embodiments show blocks in units of functions. These functional blocks (components) are realized by any combination of at least one of hardware and software. Also, the method of realizing each functional block is not particularly limited. That is, each functional block may be implemented using one device that is physically or logically coupled, or may be implemented using two or more physically or logically separated devices that are directly or indirectly (e.g., wired, wireless, etc.) connected and implemented using these multiple devices. A functional block may be implemented by combining software in the one device or the plurality of devices.

Functions include, but are not limited to, determining, determining, determining, calculating, calculating, processing, deriving, examining, searching, confirming, receiving, transmitting, outputting, accessing, resolving, selecting, selecting, establishing, comparing, assuming, expecting, assuming, broadcasting, notifying, communicating, forwarding, configuring, reconfiguring, allocating, mapping, assigning, and the like. For example, a functional block (component) that makes transmission work is called a transmitting control unit (transmitting unit) or a transmitter (transmitter). In either case, as described above, the implementation method is not particularly limited.

For example, a payment management device or the like according to an embodiment of the present disclosure may function as a computer that performs processing of the present disclosure.

Each aspect/embodiment described in the present disclosure includes LTE (Long Term Evolution), LTE-A (LTE-Advanced), SUPER 3G, IMT-Advanced, 4G (4th generation mobile communication system), 5G (5th generation mobile communication system), FRA (Future Radio Access), NR (new Radio), W-CDMA (registered trademark), GSM (registered trademark), CDMA2000, UMB (Ultra Mobile Broadband ), IEEE 802.11 (Wi-Fi®), IEEE 802.16 (WiMAX®), IEEE 802.20, Ultra-WideBand (UWB), Bluetooth®, other suitable systems, and/or next-generation systems enhanced based on these. Also, a plurality of systems may be applied in combination (for example, a combination of at least one of LTE and LTE-A and 5G, etc.).

The processing procedures, sequences, flowcharts, etc. of each aspect/embodiment described in this disclosure may be rearranged as long as there is no contradiction. For example, the methods described in this disclosure present elements of the various steps using a sample order, and are not limited to the specific order presented.

Input/output information and the like may be stored in a specific location (for example, memory), or may be managed using a management table. Input/output information and the like can be overwritten, updated, or appended. The output information and the like may be deleted. The entered information and the like may be transmitted to another device.

The determination may be made by a value represented by 1 bit (0 or 1), by a true/false value (Boolean: true or false), or by numerical comparison (for example, comparison with a predetermined value).

Although the present disclosure has been described in detail above, it should be apparent to those skilled in the art that the present disclosure is not limited to the embodiments described in this disclosure. The present disclosure can be practiced with modifications and variations without departing from the spirit and scope of the present disclosure as defined by the claims. Accordingly, the description of the present disclosure is for illustrative purposes and is not meant to be limiting in any way.

Software shall be construed broadly to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executables, threads of execution, procedures, functions, etc., whether referred to as software, firmware, middleware, microcode, hardware description language or otherwise. Software, instructions, information, etc. may also be sent and received over a transmission medium. For example, if the software is transmitted from a website, server, or other remote source using wired technologies (coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL), etc.) and/or wireless technologies (infrared, microwave, etc.), then these wired and/or wireless technologies are included within the definition of transmission medium.

Information, signals, etc. described in this disclosure may be represented using any of a variety of different technologies. For example, the data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description may be represented by voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, optical fields or photons, or any combination thereof.
The terms explained in this disclosure and the terms necessary for understanding the present disclosure may be replaced with terms having the same or similar meanings.

In addition, the information, parameters, etc. described in the present disclosure may be expressed using absolute values, may be expressed using relative values from a predetermined value, or may be expressed using corresponding other information.

As used in this disclosure, the phrase "based on" does not mean "based only on," unless expressly specified otherwise. In other words, the phrase "based on" means both "based only on" and "based at least on."

Any reference to elements using the "first," "second," etc. designations used in this disclosure does not generally limit the quantity or order of those elements. These designations may be used in this disclosure as a convenient method of distinguishing between two or more elements. Thus, reference to a first and second element does not imply that only two elements can be employed or that the first element must precede the second element in any way.

The "unit" in the configuration of each device described above may be replaced with "means", "circuit", "device", or the like.

Where "include," "including," and variations thereof are used in this disclosure, these terms, like the term "comprising," are intended to be inclusive. Furthermore, the term "or" as used in this disclosure is not intended to be an exclusive OR.

In this disclosure, where articles have been added by translation, such as a, an, and the in English, the disclosure may include the plural nouns following these articles.

In the present disclosure, the term "A and B are different" may mean "A and B are different from each other." The term may also mean that "A and B are different from C". Terms such as "separate," "coupled," etc. may also be interpreted in the same manner as "different."

1: information processing system, 2: communication network, 10: mobile terminal, 20: store terminal, 21: first acquisition unit, 22: first transmission unit, 23: second acquisition unit, 24: second transmission unit, 2001: processor, 2002: memory, 2003: storage, 2004: communication device, 2005: input device, 2006: output device, 30a, 30b: privilege provision device, 40: settlement management device, 41: Storage unit 42: Notification unit 43: Settlement unit 44: Third transmission unit.

Claims (6)

Equipped with a store terminal and a payment management device that performs processing related to electronic payment,
The store terminal is
a first acquisition unit that acquires first user identification information for identifying a user in the payment management device from the mobile terminal of the user;
a first transmission unit that transmits a payment request including the acquired first user identification information to the payment management device;
a second acquisition unit for acquiring, from the payment management device, second user identification information for identifying the user in the privilege granting device that performs processing for granting a privilege to the user;
a second transmission unit that transmits a privilege grant request including the acquired second user identification information to the privilege grant device;
The payment management device
a storage unit that associates and stores the first user identification information and the second user identification information of each user;
a notification unit that, in response to the payment request from the shop terminal, notifies the shop terminal of the second user identification information associated with the first user identification information included in the payment request ;
In the payment management device,
the storage unit stores a plurality of the second user identification information for identifying the user in the plurality of privilege granting devices in association with the first user identification information of each user;
The notification unit notifies the shop terminal of a plurality of the second user identification information associated with the first user identification information included in the payment request,
At the store terminal,
The second transmission unit transmits privilege grant requests each including one of the acquired plurality of second user identification information to each of the plurality of privilege grant devices.
An information processing system characterized by: Equipped with a store terminal and a payment management device that performs processing related to electronic payment,
The store terminal is
a first acquisition unit that acquires first user identification information for identifying a user in the payment management device from the mobile terminal of the user;
a first transmission unit that transmits a payment request including the acquired first user identification information to the payment management device;
a second acquisition unit for acquiring, from the payment management device, second user identification information for identifying the user in a privilege granting device that performs processing for granting a privilege to the user;
a second transmission unit that transmits a privilege grant request including the acquired second user identification information to the privilege grant device;
The payment management device
a storage unit that associates and stores the first user identification information and the second user identification information of each user;
a notification unit that, in response to the payment request from the shop terminal, notifies the shop terminal of the second user identification information associated with the first user identification information included in the payment request;
with
When the payment management apparatus performs user authentication using the first user identification information on the first authentication screen for performing user authentication using the first user identification information on the portable terminal, then transitions to a second authentication screen for performing user authentication using the second user identification information, and performs user authentication using the second user identification information on the second authentication screen, the storage unit stores the first user identification information used on the first authentication screen, and An information processing system, wherein the second user identification information used on the second authentication screen is stored in association with the second user identification information. 3. The information processing system according to claim 1, wherein the payment management device includes a third transmission unit that transmits a payment completion notification to the mobile terminal corresponding to the first user identification information when the processing related to electronic payment in response to the payment request is completed. The payment management device
A third acquisition unit that acquires the second user identification information included in a captured image of a medium on which the second user identification information is written,
2. The information processing system according to claim 1 , wherein the storage unit associates and stores the first user identification information and the second user identification information when authentication using the code written on the medium is performed in the privilege granting device. The information processing system according to any one of claims 1 to 4 , wherein the second transmission unit of the store terminal transmits a privilege subtraction request requesting subtraction of the privilege, including the second user identification information acquired by the second acquisition unit, to the privilege granting device when subtracting the privilege granted in response to the privilege grant request. The payment management device includes a fourth acquisition unit that acquires the second user identification information from the mobile terminal,
The information processing system according to any one of claims 1 to 5 , wherein the storage unit associates and stores the first user identification information transmitted by the first transmission unit of the store terminal and the second user identification information acquired from the mobile terminal by the fourth acquisition unit.

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