JP2020119020A - Information processing device, system, and program - Google Patents

Abstract

To provide an information processing device, a system, and a program that can implement a prepaid card that is easy to use even for expensive payment processing.SOLUTION: A system 1 capable of implementing a prepaid card includes a settlement terminal 2, an information processing device 3, and a third party server 4. The information processing device 3 receives settlement information from the settlement terminal 2, and stores balance information and deferred payment information in association with a user. It determines whether a value of the settlement information exceeds a threshold value, and when the value of the settlement information does not exceed the threshold value, updates at least one of the balance information and the deferred payment information so that a value obtained by subtracting the value of the settlement information from the threshold value is a new threshold value, and transmits deferred payment adjustment information to the outside.SELECTED DRAWING: Figure 1

Description

The present invention relates to an information processing device, a system, and a program, which manage the use of a prepaid card.

Prepaid cards based on legal currency (electronic money for transportation, etc.) are becoming popular. A prepaid card is a card in which an amount equivalent to the legal currency is charged in advance and payment is made at a member store of such a prepaid card, and the charged points are reduced by the payment amount. It can be implemented not only in the form in which the card physically exists, but also as a smartphone application. Further, such a prepaid card can be charged by paying cash to a member store or from a dedicated website associated with a user's bank account. A management device that manages the use of such a prepaid card is disclosed (for example, Patent Document 1).

JP, 2008-200717, A

By the way, it can be considered that a company distributes such a prepaid card to employees to simplify the expense processing of the company. Although it has an advantage that credit management for individual employees is not required unlike a credit card, it also has an inconvenience that it is necessary to estimate and charge a necessary charge amount in advance. In particular, due to the nature of charging, it is difficult to charge a large amount of money in advance, and it is considered unsuitable for high-value payment such as tens of thousands of yen.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide an information processing device, system, and program capable of realizing a prepaid card that is easy to use even for expensive payment processing.

According to the present invention, an information processing device that manages the use of a prepaid card, includes a communication unit, a storage unit, and a calculation unit, and the communication unit can receive payment information from a payment terminal. Wherein the payment information is information having an amount of money used by the user with the prepaid card in one payment, and the storage unit stores balance information and post-payment information in association with the user. However, here, the balance information is information having a balance of points charged in the prepaid card and in accordance with legal currency, and the post-payment information means that a person other than the user pays the points in the settlement of the user. When the communication unit receives the payment information, the calculation unit is configured to be able to determine whether the value of the payment information exceeds a threshold value, which is information having a postpaid limit amount, The threshold value is a value obtained by adding the value of the post-payment information to the value of the balance information, and when the value of the payment information does not exceed the threshold value, the value of the payment information is subtracted from the threshold value. It is configured to update at least one of the balance information and the deferred payment information stored in the storage unit so that the calculated value becomes the new threshold value, and the communication unit further stores the deferred payment adjustment information. The post-payment payment information is configured to be transmittable to the outside, and the post-payment settlement information is information indicating that the user corresponding to the points paid by a person other than the user is billed to the user afterwards. A device is provided.

According to the information processing apparatus of the present invention, in addition to the balance of the points of the prepaid card, the amount that the points can be redeemed by a third party other than the user is set. By exchanging a third party, a prepaid card with good usability can be realized, and such a prepaid card can be managed, which is an advantageous effect.

1 is a schematic diagram of a system according to an embodiment. Functional block diagram of a payment terminal. The functional block diagram of an information processing apparatus. A functional block diagram of a third organization server. Flow of payment using a prepaid card managed by the system (Example 1). Flow of payment using a prepaid card managed by the system (Example 2). Flow of payment using a prepaid card managed by the system (Example 3). Flow of payment using a prepaid card managed by the system (others).

Embodiments of the present invention will be described below with reference to the drawings. The various features shown in the embodiments described below can be combined with each other. In particular, in the present specification, the “unit” may include, for example, a combination of hardware resources implemented by a circuit in a broad sense and information processing of software that can be specifically realized by these hardware resources. .. Further, in the present embodiment, various kinds of information are handled, but these pieces of information are represented as a bit group of binary numbers composed of 0 or 1 by the level of the signal value, and the communication/operation is executed on the circuit in a broad sense. Can be done.

Further, a circuit in a broad sense is a circuit realized by at least appropriately combining a circuit, a circuit group, a processor, a memory, and the like. That is, an application specific integrated circuit (ASIC), a programmable logic device (for example, a simple programmable logic device (SPLD), a complex programmable logic field (Complex Programmable Logic), a complex programmable logic, and a complex programmable logic (DLP)). It includes a programmable gate array (Field Programmable Gate Array: FPGA) and the like.

1. Overall Configuration In Section 1, the overall configuration of the system 1 according to the present embodiment will be described. FIG. 1 is a schematic diagram of a system 1 according to the embodiment. The system 1 is a system that includes a payment terminal 2, an information processing device 3, and a third institution server 4, which are connected via a telecommunication line (network). The system 1 is used to manage the use of the prepaid card C.

In particular, the prepaid card C managed by the system 1 according to the present embodiment is temporarily settled by a third party other than the user U (for example, the work place of the user U or another company contracted with the work place). The feature is that some points necessary for the amount of money can be exchanged. That is, up to the prescribed amount, a third party immediately charges the account of the prepaid card C of the user U with the same amount of points as the amount settled at the time of settlement, thereby making the settlement. The amount of money corresponding to the redeemed points is billed to the user U after the fact. Hereinafter, each component of the system 1 will be described in more detail.

1.1 Payment terminal 2
FIG. 2 is a functional block diagram showing an outline of the configuration of the payment terminal 2. The payment terminal 2 is installed in a store and is a terminal for performing payment with the prepaid card C presented by the user U. Specifically, the payment terminal 2 includes a communication unit 21, a storage unit 22, and a calculation unit 23, and these components are electrically connected via the communication bus 20. Hereinafter, each component will be further described.

<Communication unit 21>
The communication unit 21 is preferably a wired communication means such as USB, IEEE1394, Thunderbolt, wired LAN network communication, etc., but wireless LAN network communication, mobile communication such as LTE/3G, Bluetooth (registered trademark) communication, etc. are necessary. May be included. That is, it is more preferable to implement it as a set of these plural communication means. In particular, when the user U wants to make a payment using the prepaid card C at the store, when the prepaid card C is read by the payment terminal 2, the communication unit 21 of the payment terminal 2 causes the communication unit 21 to transfer the payment information IF0 to an information processing apparatus described later. 3 can be transmitted. Here, the payment information IF0 is information having at least the amount of money that the user U used the prepaid card C in one payment. Further, the information processing apparatus 3 described later is configured to be able to receive approval approval/disapproval information IF3 indicating that the payment by the prepaid card C has been approved or that the payment has been rejected without approval.

<Memory unit 22>
The storage unit 22 stores various kinds of information defined by the description at the beginning of [Description of Embodiments]. This is, for example, as a storage device such as a solid state drive (SSD), or a random access memory (Random Access Memory) that stores temporarily necessary information (arguments, arrays, etc.) related to the calculation of a program. It may be implemented as a memory such as RAM). Also, a combination of these may be used. In particular, the storage unit 22 stores various programs and the like related to the payment terminal 2 executed by the calculation unit 23. For example, the storage unit 22 stores a program that causes the information processing device 3 to transmit the payment information IF0 regarding the payment of the prepaid card C of the user U.

<Calculator 23>
The calculation unit 23 processes and controls the entire operation related to the payment terminal 2. The arithmetic unit 23 is, for example, a central processing unit (CPU) (not shown). The arithmetic unit 23 realizes various functions related to the payment terminal 2 by reading a predetermined program stored in the storage unit 22. That is, the information processing by software (stored in the storage unit 22) is specifically realized by the hardware (calculation unit 23), so that a specific function can be executed. For example, the calculation unit 23 can realize a function of causing the information processing device 3 to transmit the payment information IF0 regarding the payment of the prepaid card C of the user U. In addition, in FIG. 2, although it is described as a single arithmetic unit 23, it is not limited to this in practice, and a plurality of arithmetic units 23 may be provided for each function. It may be a combination thereof.

1.2 Information processing device 3
FIG. 3 is a functional block diagram showing an outline configuration of the information processing device 3. The information processing device 3 includes a communication unit 31, a storage unit 32, and a calculation unit 33, and these constituent elements are electrically connected inside the information processing device 3 via a communication bus 30. Hereinafter, each component will be further described.

<Communication unit 31>
The communication unit 31 is preferably a wired communication means such as USB, IEEE 1394, Thunderbolt, wired LAN network communication, etc., but wireless LAN network communication, mobile communication such as LTE/3G, Bluetooth (registered trademark) communication, etc. may be used as necessary. May be included. That is, it is more preferable to implement it as a set of these plural communication means. Particularly, it is preferable that the payment information IF0 described above can be received from the payment terminal 2 and the approval/denial information IF3 can be transmitted to the payment terminal 2. Further, the communication unit 31 is configured to be capable of transmitting the postpaid payment information IF4 to an external server or terminal (details will be described later).

<Memory unit 32>
The storage unit 32 stores various types of information defined by the description of [Mode for Carrying Out the Invention]. This is, for example, as a storage device such as a solid state drive (SSD), or a random access memory (Random Access Memory) that stores temporarily necessary information (arguments, arrays, etc.) related to the calculation of a program. It may be implemented as a memory such as RAM). Also, a combination of these may be used. In particular, the storage unit 32 stores the payment information IF0, the balance information IF1, the postpaid information IF2, the approval/disapproval information IF3, and the postpaid settlement information IF4 in association with the ID representing the user U.

The storage unit 32 stores various programs as described below. For example, the storage unit 32 stores a program for causing the post-payment possible amount determination unit 330 in the calculation unit 33 to determine the value of the post-payment information IF2 based on the work information IF5 of the user U or the account information IF6 regarding the user U. The storage unit 32 further stores a program that causes the usage approval unit 331 in the calculation unit 33 to determine whether the payment of the user U is approved or not approved. The storage unit 32 further stores a program that causes the settlement unit 332 in the calculation unit 33 to execute settlement using the prepaid card C. The storage unit 32 is a program for causing the settlement amount determination unit 333 in the calculation unit 33 to issue a notice for subsequently billing the user U for the amount of points corresponding to the points of the prepaid card C that was paid by a third party other than the user U. Will be remembered further.

<Calculator 33>
The arithmetic unit 33 processes and controls the entire operation related to the information processing device 3. The arithmetic unit 33 is, for example, a central processing unit (CPU) (not shown). The arithmetic unit 33 realizes various functions related to the information processing device 3 by reading out a predetermined program stored in the storage unit 32. That is, the information processing by software (stored in the storage unit 32) is specifically realized by the hardware (calculation unit 33), so that the postpaid possible payment amount determination unit 330, the usage approval unit 331, the payment unit 332, And the settlement amount determination unit 333. The postpayable amount determination unit 330, the usage approval unit 331, the settlement unit 332, and the settlement amount determination unit 333 will be described in more detail below.

[Postpaid amount determination unit 330]
The post-payable amount determination unit 330 is one in which information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). The post-payable amount determination unit 330 can determine or change the post-payable amount (upper limit) as the post-payment information IF2 based on the account information IF6 regarding the user U when the user U issues the prepaid card C or at an arbitrary timing. Composed. Here, the account information IF6 regarding the user U may be information of an account owned by the user U, or may be information of a corporate account of a work place to which the user U belongs.

By the way, as an example different from the prepaid card C, in a credit card, the card company that issues the credit card needs to check the credit of the individual cardholder (user U), but the system 1 according to the present embodiment manages it. Since what is done is only the prepaid card C, the credit check of the user U is not necessary. If the person performing the replacement is the employer of the user U, it may be treated as a deduction of salary between the user U and the employer, and if the third organization affiliated with the employer is the employer. It is enough if you have the trust and contract with. In other words, the postpayable amount determination unit 330 is configured to be able to determine whether the prepaid card C can be issued or to determine or change the value of the postpaid information IF2 based on the work information IF5 (credit of the work place) of the user U. Please note that.

[Usage approval unit 331]
The usage approval unit 331 is one in which information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). When the user U tries to make a payment using the prepaid card C, the usage approval unit 331 determines whether or not to approve the payment based on the payment information IF0 transmitted from the payment terminal 2. Here, the payment information IF0 is information having the amount of money that the user U used the prepaid card C in one payment. Specifically, the usage approval unit 331 determines whether or not the value of the payment information IF0 exceeds the threshold value T. Here, the threshold value T is the value of balance information IF1 indicating the balance of points charged in the prepaid card C, and the value of post-payment information IF2 indicating the remaining limit amount by which a person other than the user U can redeem points. If the value of the payment information IF0 does not exceed the threshold value T, the payment is approved. Conversely, when the value of the payment information IF0 exceeds the threshold value T, the payment is rejected. The communication unit 31 transmits the approval result as approval approval/disapproval information IF3 to the payment terminal 2 of the store where the user U uses the prepaid card C.

[Payment section 332]
The settlement unit 332 is one in which information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). When the value of the payment information IF0 does not exceed the threshold value T (when the usage approval unit 331 approves), the payment unit 332 subtracts the value of the payment information IF0 from the threshold value T to obtain a new threshold value. At least one of the balance information IF1 and the post-payment information IF2 stored in the storage unit 32 is updated to be T. Specifically, the settlement is executed by performing the following processing.

-When the value of the payment information IF0 exceeds the value of the post-payment information IF2-
(A) A value obtained by subtracting the value of the post-payment information IF2 from the value of the payment information IF0 is derived.
(B) The value derived in (a) is subtracted from the value of the balance information IF1.
(C) The value of the postpaid information IF2 is set to 0.

In other words, the use approval unit 331 is configured to be able to determine whether the value of the payment information IF0 exceeds the threshold value T when the communication unit 31 receives the payment information IF0, and the threshold value T is here. If the value of the payment information IF0 does not exceed the threshold value T, the payment unit 332 uses the value of the balance information IF1 plus the value of the post-payment information IF2 to change the value of the payment information IF0 from the value of the payment information IF2. By subtracting the subtracted value from the value of the balance information IF1 and setting the value of the postpaid information IF2 to 0, the balance information IF1 and the postpaid information IF2 stored in the storage unit 32 are updated.

-When the value of the payment information IF0 does not exceed the value of the post-payment information IF2-
(D) The value of the payment information IF0 is subtracted from the value of the post-payment information IF2.

In other words, the usage approval unit 331 determines whether or not the value of the payment information IF0 exceeds the value of the postpaid information IF2, and if not, the payment unit 332 determines the value of the payment information IF0 from the value of the postpaid information IF2. Is subtracted to update the post-payment information IF2 stored in the storage unit 32.

[Payment amount determination unit 333]
The settlement amount determination unit 333 is a unit in which information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). As described above, when the payment is approved by the payment unit 332, part or all of the value (payment amount) of the payment information IF0 is reset to the value of the post-payment information IF2. The settlement amount determination unit 333 is configured to be able to generate the postpaid settlement information IF4. Here, the post-payment settlement information IF4 is information indicating that, in the settlement processing of the settlement unit 332, the amount of money corresponding to points redeemed by a person other than the user U or that the amount of money is billed to the user ex post facto. ..

Then, the settlement amount determination unit 333 causes the post-payment settlement information IF4 to be transmitted to an external server or terminal via the communication unit 31 as necessary. Considering, for example, a terminal (a personal computer, a tablet, a smart phone, etc.) that the user U has, the user U can receive the post-payment payment information IF4 as an alert using email by the terminal that the user U has. Alternatively, the user U can browse the postpaid settlement information IF4 via a dedicated website or the like by using the terminal that the user U has. Further, by transmitting the post-payment settlement information IF4 to the third institution server 4 described later, the account relating to the user U belonging to the third institution or an account of points in the legal currency (hereinafter referred to as an account, etc.) is replaced. The amount equivalent to the given points may be transferred to the account.

1.3 Third Organization Server 4
FIG. 4 is a functional block diagram showing an outline of the configuration of the third organization server 4. The third institution server 4 is a server managed by a financial institution such as a bank or a provider that provides points equivalent to legal currency, and the third institution server 4 can manage the account information IF6 indicating the account of the user U, for example. Is configured. Specifically, the third organization server 4 includes a communication unit 41, a storage unit 42, and a settlement processing unit 43, and these components are electrically connected via the communication bus 40. Hereinafter, each component will be further described.

<Communication unit 41>
The communication unit 41 is preferably a wired communication means such as USB, IEEE 1394, Thunderbolt, and wired LAN network communication, but wireless LAN network communication, mobile communication such as LTE/3G, Bluetooth (registered trademark) communication, etc. are necessary. May be included. That is, it is more preferable to implement it as a set of these plural communication means. In particular, the communication unit 41 is configured to be able to transmit the work place information IF5 and the account information IF6 necessary for determining the value of the postpaid information IF2 of the prepaid card C to the information processing device 3. Further, the communication unit 41 is configured to be able to receive from the information processing device 3 the post-payment settlement information IF4 indicating the amount of money corresponding to the points that have been exchanged within a predetermined period.

<Memory unit 42>
The storage unit 42 stores various information defined by the description at the beginning of [Description of Embodiments]. This is, for example, as a storage device such as a solid state drive (SSD), or a random access memory (Random Access Memory) that stores temporarily necessary information (arguments, arrays, etc.) related to the calculation of a program. It may be implemented as a memory such as RAM). Also, a combination of these may be used. In particular, the storage unit 42 stores a program executed by the settlement processing unit 43 described below.

<Payment processing unit 43>
The settlement processing unit 43 is a device in which information processing by software (stored in the storage unit 42) is specifically realized by hardware (calculation unit not shown). Here, the calculation unit (not shown) performs processing and control of the entire operation related to the third institution server, and may be in the third institution server 4 or may exist separately. The arithmetic unit (not shown) is, for example, a central processing unit (CPU) (not shown). The calculation unit (not shown) can realize the settlement processing function by reading a predetermined program stored in the storage unit 42. Specifically, the settlement processing unit 43 executes a process of subtracting the amount of money corresponding to the points that a person other than the user exchanged from the account or the like of the user U and adding the amount to the account or the like of the person other than the user. Configured to be possible.

2. Payment Method Section 2 describes a payment method using the prepaid card C managed by the system 1 described above. 5 to 7 respectively show Examples 1 to 3 in such a case. In each figure, step S01 to step S03 show the flow until the value of the postpaid information IF2 in the prepaid card C is determined, and step S11 to step S13 are the settlement approval approval and disapproval using the prepaid card C and the balance information IF1. And a flow of updating the value of the post-payment information IF2. Steps S21 to S23 show a flow of adjusting the amount of money corresponding to the total of points paid by a third party other than the user U for a predetermined period (for example, one month). Showing.

[Determination of postpaid amount]
(Step S01)
As shown in FIG. 5 to FIG. 7, the calculation unit 33 (postpayable amount determination unit 330) in the information processing device 3 receives the work information IF5 or the account information IF6 (for example, the work place of the user U from the third institution server 4). Acquire a corporate account) (following step S02).

(Step S02)
Then, the calculation unit 33 (postpayable amount determination unit 330) in the information processing device 3 determines the value of the postpaid information IF2 in the prepaid card C of the user U (the postpaid limit amount based on the work information IF5 or the account information IF6). ) Is determined. Note that such a determination can be made at any timing, and the amount can be changed not only when the prepaid card C itself is issued for the first time but also when the user U or the work place of the user U desires (following step S03). ).

(Step S03)
Then, the user U can browse the determined value of the post-payment information IF2 via the terminal that the user U has. Alternatively, the communication unit 31 of the information processing device 3 may be configured to alert the post-payment information IF2 determined via e-mail or the like.

[Approval of payment approval, etc.]
(Step S11)
As shown in FIGS. 5 to 7, when the user U tries to make a payment at the store using the prepaid card C, the payment information IF0 is transmitted from the payment terminal 2 in the store to the information processing device 3 (step (Continued to S12).

(Step S12)
Subsequently, when the information processing device 3 receives the payment information IF0, the calculation unit 33 (use approval unit 331) in the information processing device 3 determines that the value of the payment information IF0 (purchase amount) is the value of the balance information IF1 and the post-payment information IF2. It is determined whether or not the sum (threshold value T) of the above value is exceeded. If it does not exceed here, the approval approval/disapproval information IF3 concerning approval is transmitted to the settlement terminal 2 (following FIG. 5 and FIG. 6/step S13). On the contrary, if it exceeds the limit, the approval approval/disapproval information IF3 regarding rejection is transmitted to the settlement terminal 2 (FIG. 7). In addition, when rejected, it is preferable that the user U can charge points by cash or the like via the settlement terminal 2 in the store on the spot.

Regarding the approval, the balance information IF1 and the postpaid information IF2 are stored in the storage unit 32 of the information processing device 3 as the same database, so that the balance points directly charged and the postpaid points can be managed. It should be noted that it is centralized and the approval time is very short.

(Step S13)
Subsequently, the payment unit 332 executes payment. That is, the settlement unit 332 updates at least one of the values of the balance information IF1 and the postpaid information IF2. First, consider a case where the value of the payment information IF0 is less than or equal to the value of the post-payment information IF2. For example, if the value of the payment information IF0 is 10,000 (yen), the value of the balance information IF1 is 10,000 (yen), and the value of the post-payment information IF2 is 40,000 (yen), the post-payment information IF2 is obtained by the payment. The value of is updated to 30,000 (yen) by subtracting the value of the payment information IF0 from the current value of the postpaid information IF2. Further, the value of the balance information IF1 remains 10,000 (yen) (FIG. 5). Next, consider a case where the value of the payment information IF0 exceeds the value of the postpaid information IF2. For example, if the value of the payment information IF0 is 48,000 (yen), the value of the balance information IF1 is 10,000 (yen), and the value of the post-payment information IF2 is 40,000 (yen), such payment makes the post-payment information IF2. Is updated to 0 (yen), and the value of the balance information IF1 is updated to 2,000 (yen) by subtracting the deficit of 8,000 (yen) (FIG. 6).

[Payment after payment]
(Step S21)
When the payment is repeated as in steps S11 to S13 and a predetermined period of time elapses, the total amount of money corresponding to points exchanged by a person other than the user U is settled. First, in order to notify the user U of the cumulative value of the points that have been recovered this term, the calculation unit 33 (the settlement amount determination unit 333) of the information processing device 3 transmits the postpaid settlement information IF4 to the user U. This may be voluntarily confirmed by the user U by browsing a predetermined website.

(Step S22)
Similarly, the calculation unit 33 (settlement amount determination unit 333) of the information processing device 3 transmits the postpay settlement information IF4 to the third institution server 4 in order to notify the third institution of the accumulated value of the points that have been recovered in the current period.

(Step S23)
Subsequently, the settlement processing unit 43 in the third institution server 4 subtracts the amount of money corresponding to the points exchanged by a person other than the user from the account of the user U and adds the amount to the account of the person other than the user. To execute the process. Note that the account transfer by a third organization such as a bank is merely an example of point settlement, and, for example, if the third party who exchanges points is the office of the user U itself, the form of payroll deduction of the user U is used. Payment may be carried out at.

3. Others The system 1 according to this embodiment may be implemented in the following modes.

First, the employer may limit the usage of the prepaid card C to the user U. The prepaid card C managed by the system 1 according to the present embodiment is assumed to be distributed to the employee by the workplace, so that the application can be limited if it is used for expense settlement or the like.

A more specific flow is shown in FIG. Here, it is assumed that the payment information IF0 is information having the payment items of the user U, and the storage unit 32 in the information processing device 3 stores payment rule information IF7 indicating a predetermined payment rule. Then, when the user U performs payment, when the communication unit 31 receives the payment information IF0, the calculation unit 33 (the usage approval unit 331) causes the calculation items included in the payment information IF0 and the payment stored in the storage unit 32. If the settlement rule information IF7 does not include the settlement item, the approval/non-approval information IF3 (an example of “rejection information” in the claims) is generated, and the communication unit is compared with the rule information IF7. 31 transmits this to the settlement terminal 2 (see step S12′ in FIG. 8).

Secondly, the prepaid card C may be issued for each limited group of projects, departments, club activities, etc. that the employer is carrying out. For example, by issuing the prepaid card C for each project and limiting the above-mentioned usage, it becomes possible to easily sort out which project is costing how much.

Thirdly, in the system 1 according to the present embodiment, the balance information IF1 is updated after the value of the postpaid information IF2 becomes 0, that is, the value of the postpaid information IF2 is updated preferentially. However, the value of the balance information IF1 may be preferentially updated. Specifically, the value of the balance information IF1 is preferentially subtracted, and only when the value of the balance information IF1 is less than 0 (when the charged points are insufficient), the value of the postpaid information IF2 is updated ( You may implement it so that a third party may perform a replacement. In such a case, the usage approval unit 331 determines whether the value of the payment information IF0 exceeds the value of the balance information IF1, and if it exceeds, the value obtained by subtracting the value of the balance information IF1 from the value of the payment information IF0 is postpaid. By subtracting the value of the balance information IF1 from the value of the information IF2 and setting the value of the balance information IF1 to 0, the balance information IF1 and the deferred payment information IF2 stored in the storage unit 32 are updated. The value of the information IF0 is subtracted to update the balance information IF1 stored in the storage unit 32.

4. Conclusion As described above, according to the present embodiment, it is possible to implement the information processing device 3 that can realize the prepaid card C that is easy to use even for expensive payment processing.

The information processing device 3 manages the use of the prepaid card C, and includes a communication unit 31, a storage unit 32, and a calculation unit 33, and the communication unit 31 receives the payment information IF0 from the payment terminal 2. Here, the payment information IF0 is information having the amount of money that the user U used the prepaid card C in one payment, and the storage unit 32 stores balance information IF1 and post-payment information IF2. The balance information IF1 is stored in association with the user U, and the balance information IF1 is information having a balance of points charged in the prepaid card C and in accordance with legal currency, and the post-payment information IF2 is the user U. When the communication unit 31 receives the payment information IF0, the calculation unit 33 determines that the value of the payment information IF0 is a value that allows a person other than the user U to redeem the points. It is configured to be able to determine whether or not the threshold value T is exceeded, where the threshold value T is a value obtained by adding the value of the post-payment information IF2 to the value of the balance information IF1, and the value of the payment information IF0. When the value does not exceed the threshold value T, the value stored in the storage unit 32 is stored so that the value obtained by subtracting the value of the payment information IF0 from the threshold value T becomes the new threshold value T. It is configured to update at least one of the balance information IF1 and the post-payment information IF2, and is configured to update the balance information IF1 and the post-payment information IF2 stored in the storage unit 32, and the communication unit 31 is Further, the post-payment payment information IF4 is configured to be able to be transmitted to the outside, and the post-payment payment information IF4 bills the user U afterwards with an amount of money corresponding to the points paid by a person other than the user U. This is the information indicating that

Further, it is possible to implement the system 1 capable of realizing the prepaid card C which is easy to use even for a high-value payment process.

The system 1 manages the use of the prepaid card C and includes a payment terminal 2, an information processing device 3, and a third institution server 4, which are communicably connected to each other via an electric communication line. , The payment terminal 2 is configured to be able to transmit payment information IF0 to the information processing device 3, wherein the payment information IF0 has an amount of money that the user U used the prepaid card C in one payment. In the information, the information processing device 3 is as described above, the third institution server 4 includes a storage unit 42 and a settlement processing unit 43, and the storage unit 42 of the third institution server 4 includes: Account information IF6 is stored, where the account information IF6 is information having an account balance relating to the user U, and the settlement processing unit 43 is based on the post-payment settlement information IF4 received from the information processing device 3. Then, a process for subtracting the amount of money corresponding to the points exchanged by a person other than the user U from the account of the user U or the account of points according to legal currency stored in the storage unit 42 is configured to be executable. It

Further, software for implementing the information processing device 3 that can realize the prepaid card C that is easy to use even for expensive payment processing as hardware can be implemented as a program. Then, such a program may be provided as a computer-readable non-transitory recording medium, or may be provided so as to be downloadable from an external server, or the program may be activated by an external computer. Thus, so-called cloud computing, in which each function can be performed by the client terminal, may be performed.

Such a program causes a computer (information processing device 3) to manage the use of the prepaid card C, causes the computer to execute a communication function, a storage function, and a calculation function, and according to the communication function, payment is performed. The payment information IF0 is received from the terminal 2, where the payment information IF0 is information having the amount of money that the user U used the prepaid card C in one payment, and according to the storage function, the balance information IF1. And post-payment information IF2 are stored in association with the user U. Here, the balance information IF1 is information having a balance of points charged in the prepaid card C and in accordance with legal currency, and the post-payment information IF2. Is information having a limit amount by which a person other than the user U can redeem the points in the payment of the user U. According to the calculation function, the value of the payment information IF0 exceeds a threshold value T. It is determined whether or not the threshold value T is a value obtained by adding the value of the post-payment information IF2 to the value of the balance information IF1 and the value of the payment information IF0 exceeds the threshold value T. If not, at least one of the balance information IF1 and the post-payment information IF2 is updated so that a value obtained by subtracting the value of the payment information IF0 from the threshold T becomes a new threshold T, and the communication is performed. According to the function, the post-payment payment information IF4 is further transmitted to the outside, where the post-payment payment information IF4 is the user U after the amount of money equivalent to the points paid by a person other than the user U. It is the information indicating that the request is made to.

Lastly, various embodiments according to the present invention have been described, but these are presented as examples and are not intended to limit the scope of the invention. The novel embodiment can be implemented in various other forms, and various omissions, replacements, and changes can be made without departing from the spirit of the invention. The embodiment and its modifications are included in the scope and gist of the invention, and are also included in the invention described in the claims and the scope equivalent thereto.

1: System 2: Payment terminal 20: Communication bus 21: Communication unit 22: Storage unit 23: Calculation unit 3: Information processing device 30: Communication bus 31: Communication unit 32: Storage unit 33: Calculation unit 330: Postpayable amount determination Part 331: Usage approval unit 332: Settlement unit 333: Settlement amount confirmation unit 4: Third party server 40: Communication bus 41: Communication unit 42: Storage unit 43: Settlement processing unit C: Prepaid card IF0: Settlement information IF1: Balance Information IF2: Post-payment information IF3: Approval approval information IF4: Post-payment payment information IF5: Workplace information IF6: Account information IF7: Payment rule information T: Threshold value U: User

According to the present invention, an information processing device for managing use of a prepaid card, comprising a communication unit, a storage unit, and a calculation unit, the communication unit being capable of receiving payment information from a payment terminal. Wherein the payment information is information having an amount of money used by the user with the prepaid card in one payment, and the storage unit stores balance information and post-payment information in association with the user. However, here, the balance information is information having a balance of points charged in the prepaid card and in accordance with legal currency, and the post-payment information means that a person other than the user pays the points in the settlement of the user. When the communication unit receives the payment information, the computing unit is configured to be able to determine whether the value of the payment information exceeds a threshold value, which is information having a limit amount that can be replaced. The threshold value is a value obtained by adding the value of the post-payment information to the value of the balance information, and when the value of the payment information does not exceed the threshold value, the value of the payment information is changed from the threshold value. At least one of the balance information and the post-payment information stored in the storage unit is updated so that the subtracted value becomes the new threshold value, and the communication unit further includes post-payment payment information. the transmitted capable constructed externally, and here the postpaid payment information, Ri information der indicating to charge retroactively the user the amount corresponding to the point where a person other than the user's advance, The calculation unit determines whether or not the value of the payment information exceeds the value of the post-payment information, and if the value of the payment information is subtracted from the value of the payment information, the value of the balance information. The balance information and the post-payment information stored in the storage unit are updated by subtracting from the post-payment information and the value of the post-payment information is set to 0. An information processing apparatus is provided that is configured to subtract the value and update the postpaid information stored in the storage unit .

Claims (8)

An information processing device that manages the use of prepaid cards,
A communication unit, a storage unit, and a calculation unit,
The communication unit is configured to be able to receive payment information from a payment terminal, wherein the payment information is information having an amount of money that the user has used the prepaid card in one payment,
The storage unit stores balance information and deferred payment information in association with the user, where:
The balance information is information that has a balance of points charged in the prepaid card and in accordance with legal currency,
The post-payment information is information having a limit amount by which a person other than the user can redeem the points in the payment of the user,
The arithmetic unit is
When the communication unit receives the payment information, it is possible to determine whether or not the value of the payment information exceeds a threshold, where the threshold is the value of the balance information and the deferred payment information. Is the sum of the values of
When the value of the payment information does not exceed the threshold value, the balance stored in the storage unit such that a value obtained by subtracting the value of the payment information from the threshold value becomes a new threshold value. Configured to update information and/or at least one of said postpaid information,
The communication unit is further configured to be capable of transmitting post-payment payment information to the outside, wherein the post-payment payment information is a post-payment information equivalent to the points paid by a person other than the user to the user afterwards. It is information indicating that a request is made,
Information processing device. The information processing apparatus according to claim 1,
The calculation unit determines whether the value of the payment information exceeds the value of the post-payment information,
If it exceeds, the value of the payment information minus the value of the post-payment information is subtracted from the value of the balance information, and the value of the post-payment information is set to 0, whereby the balance stored in the storage unit is reduced. Update information and postpaid information,
When not exceeding, the value of the payment information is subtracted from the value of the post-payment information, and the post-payment information stored in the storage unit is updated.
Information processing device. The information processing apparatus according to claim 1,
The calculation unit determines whether the value of the payment information exceeds the value of the balance information,
If it exceeds, the value of the balance information stored in the storage unit is reduced by subtracting the value of the balance information from the value of the payment information and subtracting the value of the post-payment information from the value of the balance information. Update information and postpaid information,
When not exceeding, the value of the settlement information is subtracted from the value of the balance information, and the balance information stored in the storage unit is updated.
Information processing device. The information processing apparatus according to claim 1 or 3,
The communication unit is configured to be able to receive account information from the outside, wherein the account information is information having an account balance of points related to the user or legal currency,
The calculation unit is configured to be able to determine or change the value of the post-payment information based on the account information.
Information processing device. The information processing apparatus according to any one of claims 1 to 4,
The storage unit stores work information in association with the user, where the work information is information indicating a work place to which the user belongs,
The arithmetic unit is configured to be able to determine whether to issue the prepaid card or to determine or change the value of the postpaid information based on the work information.
Information processing device. The information processing apparatus according to any one of claims 1 to 5,
The payment information is information having payment items of the user,
The storage unit stores payment rule information defined in advance,
When the communication unit receives the payment information, the calculation unit compares the payment items included in the payment information with the payment rule information stored in the storage unit, and the payment rule information includes the payment information. If the item is not included, it is configured to be able to generate rejection information, where the rejection information is information indicating that payment related to the payment item cannot be executed using the prepaid card,
The communication unit is configured to be capable of transmitting the rejection information to the payment terminal,
Information processing device. A system that manages the use of prepaid cards,
A payment terminal, an information processing device, and a third institution server, which are communicably connected to each other via an electric communication line,
The payment terminal is configured to be capable of transmitting payment information to the information processing device, wherein the payment information is information having an amount of money that the user has used the prepaid card in one payment,
The information processing apparatus is the information processing apparatus according to any one of claims 1 to 6,
The third organization server includes a storage unit and a settlement processing unit,
The storage unit of the third institution server stores account information, wherein the account information is information having an account balance of the account relating to the user or points equivalent to legal currency,
The settlement processing unit, based on the post-payment settlement information received from the information processing device, an amount of money corresponding to the point that is replaced by a person other than the user from the account or the account stored in the storage unit. The subtraction process is configured to be executable,
system. A program that allows a computer to control the use of prepaid cards,
Causing the computer to perform a communication function, a memory function, and a calculation function,
According to the communication function, payment information is received from a payment terminal, and the payment information is information having an amount of money that the user has used the prepaid card in one payment,
According to the storage function, balance information and deferred payment information are stored in association with the user, where:
The balance information is information that has a balance of points charged in the prepaid card and in accordance with legal currency,
The post-payment information is information having a limit amount by which a person other than the user can redeem the points in the payment of the user,
According to the arithmetic function,
It is determined whether the value of the payment information exceeds a threshold value, where the threshold value is a value obtained by adding the value of the post-payment information to the value of the balance information,
If the value of the payment information does not exceed the threshold value, at least the balance information and the deferred payment information are set such that the value obtained by subtracting the value of the payment information from the threshold value becomes the new threshold value. Update one,
According to the communication function, further post-payment payment information is transmitted to the outside, where the post-payment payment information is a posteriori charge to the user for an amount corresponding to the points paid by a person other than the user. Is information indicating that
program.