JP2023033054A - Program, system, and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a program, a system and a method for facilitating payment processing based on the amount paid with a card.

SOLUTION: In a system 1, a management server and a user terminal are connected to communicate with each other via a line 4. A program to be executed by a computer (management server 20) including a processor and a memory causes the processor to executes the steps of: outputting second data when acquiring the second data including information on the amount of use that has been output from an affiliate terminal of an affiliate store using settlement means, in an aggregation period that includes acquisition time and date of first data including information on the amount used that has been approved by an issuance company of the settlement means; and outputting the first data when the second data including the information on the amount of use that has been output from the affiliate terminal of the affiliate store using the settlement means is not acquired in the aggregation period that includes acquisition time and date of the first data including information on the amount used that has been approved by the issuance company of the settlement means.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2023,JPO&INPIT

Description

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

There are payment methods such as corporate credit cards issued in the name of corporate representatives or employees.

Patent Literature 1 discloses the following. Assume that the user also shopped at B store in early January. Since the closing date of store B is the 30th day of every month, the credit card company is billed on January 30th for the use of the user's card. Since the closing date of the credit card company is the 25th of every month, the payment at the B store is withdrawn from the user's bank account on March 10th. In this case, since the purchases at stores A and B are made at the same time, the user assumes that the payment for shopping at stores A and B will be deducted from the bank account on February 10 as January. In my opinion, it doesn't actually work that way.

JP 2013-225216 A

For corporations, etc., the amount of money spent from the use of the payment method is accounted for based on the date of use of the payment method. Therefore, there are cases where a corporation or the like wants to obtain accounting information based on an approximate usage amount, even if the usage amount generated by using the payment method is not accurately determined.

An object of the present disclosure is to provide a technique that makes it easier to perform accounting processing based on the amount of money used for payment means.

A program to be executed by a computer comprising a processor and a memory, wherein the program causes the processor to collect data during an aggregation period including the date and time when the first data containing information on the usage amount approved by the issuing company of the payment means is acquired. a step of outputting the second data including information on the amount of money output from the member store terminal of the member store using the payment method, and the amount of money approved by the issuer of the payment method; If the second data including information on the usage amount output from the member store terminal of the member store using the payment method is not acquired during the aggregation period that includes the date and time when the first data including information on and outputting the first data.

According to the present disclosure, it is possible to further facilitate accounting based on the card usage amount.

It is a figure which shows the structure of the whole system. It is a block diagram of a terminal device. It is a figure which shows the functional structure of a server. It is a figure which shows the data structure of a database. It is a figure which shows the data structure of a database. It is a flowchart which shows an example of the processing flow in a system. It is a flowchart which shows an example of the processing flow in a system. It is a flowchart which shows an example of the processing flow in a system. It is a flowchart which shows an example of the processing flow in a system. It is a figure which shows an example of the operation screen which concerns on this embodiment. It is a figure which shows an example of the operation screen which concerns on this embodiment.

Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. In the following description, the same parts are given the same reference numerals. Their names and functions are also the same. Therefore, a detailed description of them will not be repeated

<Overview>
The system 1 according to the present embodiment is a system for supporting work related to accounting processing that occurs in response to the use of a corporate payment card (hereinafter referred to as a corporate card or card) as an example of payment processing means.

A corporate card is a payment card issued to a representative or employee of a legal entity, etc. (which may be a company or sole proprietor) who is a contractor. Corporate cards include, for example, a settlement card issued in the name of a corporate representative (representative card) and a settlement card issued in the name of an employee of a corporation (employee card).

When a corporate card is used for a transaction such as purchase of a product, the amount to be paid for the transaction will be debited from the account under the name of the corporation or the account under the name of the representative on the payment date set by the administrator of System 1, etc. .

The system 1 aggregates the total usage amount during the aggregation period set by the administrator or the like on the closing date (closing date and time) set by the administrator or the like. Aggregation processing is performed for each card or for each corporation using one or more cards.

In this disclosure, a payment card is a card used for payment by a representative or an employee of a corporation. The payment card may be one that, when used, issues first data as authorization data (hereinafter referred to as authorization data) and second data as clearing data to the card issuing company (management server 20). . Details of the authorization data and clearing data are provided below.

A payment card is, for example, a credit card, a prepaid card, a debit card, or any other card for making payments. The settlement card of the present disclosure is, for example, a corporate card issued by a card issuing company. After the predetermined total period ends, the card issuer totals the total amount used during the total period for each payment card. The card issuer will withdraw the total usage amount from the bank account, etc. in the name of the corporation on the payment date.

Here, the card issuing company may make a withdrawal based on the authorization data. If the debit amount debited by the card issuing company is different from the amount actually used on the payment card, the difference amount (difference amount data) may be withdrawn on the next debit date. Details of the difference data will be described later.

<1 Configuration diagram of the entire system>
FIG. 1 is a block diagram showing an example of the overall configuration of the system 1. As shown in FIG. The system 1 shown in FIG. 1 includes, for example, a user terminal 10, a management server 20, and a member store terminal 30.

The user terminal 10 is a terminal device used by a user such as a representative of a corporate card or an employee. The management server 20 is a server used by a card issuing company. The member store terminal 30 is a terminal used at the member store. The user terminal 10 and the management server 20 are connected for communication via a line 4 such as the Internet. The management server 20 and the member store terminal 30 are connected for communication via a line 5 such as CAFIS (Credit And Finance Information Switching system).

In FIG. 1, in addition to a management server 20 and a member store terminal 30, a server of a credit card company, which is an acquirer (a company that acquires and manages member stores), and a system capable of international settlement are provided on the line 5. A server of a credit card company, a server of a financial institution such as a bank, etc. exist so as to be able to communicate with each other.

When the card is used by the card user, the member store terminal 30 acquires information related to card use (including information such as date of use/card number/unconfirmed usage amount/member store ID). The member store terminal 30 outputs the information to the management server 20 via the line 5 when acquiring the information on card use. Based on the information, the management server 20 determines whether payment by card is possible (authorization). When the management server 20 determines that payment by card is possible as a result of the determination, the management server 20 returns the information to which the credit approval information is added to the member store terminal 30 . On the other hand, when the management server 20 determines that payment by card is not possible as a result of the determination, the management server 20 returns the information to which the non-approval information is added to the member store terminal 30 . When the member store terminal 30 acquires the information to which the credit approval information is added from the management server 20, the member store terminal 30 provides the card user with goods or services.

The management server 20 acquires the information to which the credit approval information is added as authorization data (hereinafter referred to as authorization data or first data).

On the other hand, the member store terminal 30 sends the authorization data to the server of the card company that is the acquirer on the line 5, the server of the card company that provides a system capable of international settlement, and the server of the financial institution such as a bank. Output, and perform clearing of the usage amount. The process of confirming the usage amount is completed after a certain period of time, such as several days after the card is used.

The management server 20 acquires from the member store terminal 30 as clearing data (second data) including information on the fixed usage amount (fixed usage fee).

In the present disclosure, the usage charge information included in the authorization data is referred to as unconfirmed usage charge information, and the usage charge information included in the clearing data is referred to as fixed usage charge information.

The unconfirmed usage fee information included in the authorization data indicates that the usage fee information is output before the processing for determining the usage fee is performed at the member store terminal 30 . On the other hand, the information on the fixed usage fee included in the clearing data indicates that it is the information on the usage fee that is output after the processing for determining the usage fee is performed at the member store terminal 30 .

The unconfirmed charge included in the authorization data and the information on the confirmed charge included in the clearing data are basically the same amount. However, the unconfirmed usage fee included in the authorization data and the information on the fixed usage fee included in the clearing data may differ in amount due to cancellation of payment due to returned goods or services, fluctuations in exchange rates, etc. may become

The user terminal 10 may be, for example, a mobile terminal such as a smart phone or tablet, a stationary PC (Personal Computer), or a laptop PC. It may also be a wearable terminal such as an HMD (Head Mount Display) or a wristwatch type terminal.

The user terminal 10 provides various information and the like to the user of the user terminal 10 using an application such as cloud accounting software. Note that the application may be replaced by a program or the like stored in the user terminal 10 .

The user terminal 10 includes a communication IF (Interface) 12 , an input device 13 , an output device 14 , a memory 15 , a storage 16 and a processor 19 .

The communication IF 12 is an interface for inputting/outputting signals so that the user terminal 10 communicates with devices in the system 1 such as the management server 20, for example.

The input device 13 is a device (for example, a pointing device such as a mouse, a keyboard, a touch panel, a touch pad, etc.) for receiving an input operation from a user.

The output device 14 is a device (display, speaker, etc.) for presenting information to the user.

The memory 15 is for temporarily storing programs, data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory).

The storage 16 is for storing data, and is, for example, a flash memory or a HDD (Hard Disc Drive).

The processor 19 is hardware for executing an instruction set described in a program, and is composed of arithmetic units, registers, peripheral circuits, and the like.

The management server 20 is a server of a card issuing company. The management server 20 is used by a manager or the like. The management server 20 generates various information to be presented on the user terminal 10 .

The management server 20 may be a single server made up of a plurality of devices. The method of distributing a plurality of functions required to implement the management server 20 according to this embodiment to one or more pieces of hardware depends on the processing capability of each piece of hardware and/or the specifications required for the management server 20. can be determined as appropriate in view of the above.

The management server 20 includes a communication IF 22 , an input/output IF 23 , a memory 25 , a storage 26 and a processor 29 .

The communication IF 22 is an interface for inputting and outputting signals so that the management server 20 communicates with devices in the system 1 such as the user terminals 10, for example.

The input/output IF 23 functions as an interface with an input device for receiving input operations from the user and an output device for presenting information to the user.

The memory 25 temporarily stores programs and data processed by the programs, and is a volatile memory such as a DRAM.

The storage 26 is for storing data, and is, for example, flash memory or HDD.

The processor 29 is hardware for executing an instruction set described in a program, and is composed of arithmetic units, registers, peripheral circuits, and the like.

The member store terminal 30 is a terminal device used at the member store.

<1.1 Configuration of terminal device>
FIG. 2 is a block diagram showing a configuration example of the user terminal 10 shown in FIG. The user terminal 10 shown in FIG. 2 is implemented by a PC, mobile terminal, or wearable terminal. As shown in FIG. 2, the user terminal 10 includes a communication unit 120, an input device 13, an output device 14, an audio processing unit 17, a microphone 171, a speaker 172, a camera 160, a position information sensor 150, and a , a storage unit 180 , and a control unit 190 . Each block included in the user terminal 10 is electrically connected by, for example, a bus.

The communication unit 120 performs processing such as modulation/demodulation processing for the user terminal 10 to communicate with other devices. The communication unit 120 performs transmission processing on the signal generated by the control unit 190 and transmits the signal to the outside (for example, the management server 20). Communication unit 120 performs reception processing on a signal received from the outside and outputs the signal to control unit 190 .

The input device 13 is a device for a user who operates the user terminal 10 to input instructions or information. The input device 13 may be implemented by, for example, a keyboard, mouse, reader, or the like. When the user terminal 10 is a mobile terminal or the like, it is realized by a touch sensitive device 131 or the like that inputs an instruction by touching the operation screen. The input device 13 converts an instruction input by a user into an electrical signal and outputs the electrical signal to the control section 190 . Note that the input device 13 may include, for example, a receiving port for receiving an electrical signal input from an external input device.

The output device 14 is a device for presenting information to the user operating the user terminal 10 . The output device 14 is implemented by, for example, the display 141 or the like. The display 141 displays data under the control of the controller 190 . The display 141 is implemented by, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display.

The audio processing unit 17 performs digital-analog conversion processing of audio signals, for example. The audio processing unit 17 converts the signal supplied from the microphone 171 into a digital signal and supplies the converted signal to the control unit 190 . Also, the audio processing unit 17 provides an audio signal to the speaker 172 . The audio processing unit 17 is realized by, for example, a processor for audio processing. The microphone 171 receives an audio input and provides an audio signal corresponding to the audio input to the audio processing section 17 . The speaker 172 converts the audio signal given from the audio processing unit 17 into audio and outputs the audio to the outside of the user terminal 10 .

The camera 161 is a device for receiving light with a light receiving element and outputting it as a photographing signal.

The position information sensor 150 is a sensor that detects the position of the user terminal 10, and is, for example, a GPS (Global Positioning System) module. A GPS module is a receiving device used in a satellite positioning system. The satellite positioning system receives signals from at least three or four satellites, and detects the current position of the user terminal 10 equipped with a GPS module based on the received signals. The position information sensor 150 may detect the current position of the user terminal 10 from the position of the wireless base station to which the user terminal 10 connects.

The storage unit 180 is realized by, for example, the memory 15 and the storage 16, and stores data and programs used by the user terminal 10. FIG. The storage unit 180 stores user information 181, for example.

The user information 181 is information of a user such as a corporate representative or an employee who uses the user terminal 10 . The user information 181 includes information (user ID) for identifying the user and the like. For example, the user information 181 is information registered when the user installs an application such as cloud accounting software on the user terminal 10 in order to use the system 1 .

The user ID may be a user ID issued to the user in the cloud accounting software.

In addition, as a user ID, business services that provide various functions such as email, video call, calendar, storage, document creation, spreadsheet creation, news distribution, etc. in the form of SaaS (Software as a Service) (for individuals) It may be a user ID issued to the user in the system.

Also, the user ID includes a user ID issued by a computer of an enterprise that provides the service when the user uses a predetermined service. For example, assume that the user has installed an application such as a payment application or a messenger application in the user terminal 10 . A server device of an enterprise that provides services in these applications issues a user ID. For example, the server device associates the identification information of the user terminal 10 with the information (telephone number, etc.) issued after the user's identity verification (for example, identity verification is performed using an identity verification document such as a driver's license). to issue a user ID for each application. The user terminal 10 may hold the user ID issued to the user for each of these applications as the user information 181 .

The operation reception unit 191 performs processing for receiving instructions or information input from the input device 13 . Specifically, for example, the operation accepting unit 191 accepts information based on instructions input from a keyboard, mouse, or the like.

Further, the operation accepting unit 191 accepts voice instructions input from the microphone 171 . Specifically, for example, the operation reception unit 191 receives an audio signal input from the microphone 171 and converted into a digital signal by the audio processing unit 17 . The operation reception unit 191 acquires an instruction from the user, for example, by analyzing the received audio signal and extracting a predetermined noun.

For example, the operation receiving unit 191 acquires the details of the operation input by the user to the information displayed on the operation screen of the application or the like on the user terminal 10 .
The content of the input operation may include the following.
・ Operation to change the settings for summarizing usage amounts by card, department, purpose, project, etc. ・ Operation to change settings for display formats such as graphs based on usage amounts ・ Monthly, quarterly, half-yearly, yearly, etc. Operation to change the setting of the aggregation period ・ Operation to change the setting of the closing date of the aggregation period such as until 17:00 on the last day of every month, until 18:00 on the 10th of every month, etc. ・ Operation to ignore or change the received data ・ Display the received data on the operation screen Do not or do not receive

Specifically, for example, an operation of ignoring or changing received data is an operation of ignoring or changing authorization data, clearing data, or difference data received as usage notification information or accounting information. For example, an operation for ignoring data causes the selected data not to be displayed on the operation screen, or a display to the effect that it has been canceled. Usage fee information included in the ignored data is not reflected in information such as the total amount. Further, for example, by an operation to change data, the selected data is displayed based on the changed data.

The operation of not displaying or receiving data to be received on the operation screen is an operation of not displaying or receiving authorization data, clearing data, or difference data received as usage notification information or accounting information. For example, the selected data is not displayed on the operation screen by the operation of not displaying the data. Also, the selected data is not received from the management server by the operation of not receiving data.

Data can be selected for each data, card, department, affiliated store, usage purpose, or the like. The operation content received here may be transmitted to the management server 20 .

The transmission/reception unit 192 performs processing for the user terminal 10 to transmit/receive data to/from an external device such as the management server 20 according to a communication protocol. Specifically, for example, the transmission/reception unit 192 transmits the business content input by the user to the management server 20 . The transmitting/receiving unit 192 also receives information about users from the management server 20 .

The presentation control unit 193 controls the output device 14 to present the information provided by the management server 20 to the user. Specifically, for example, the presentation control unit 193 causes the display 141 to display information transmitted from the management server 20 . The presentation control unit 193 also causes the speaker 172 to output information transmitted from the management server 20 .

<1.2 Functional Configuration of Server>
FIG. 3 is a diagram showing an example of the functional configuration of the management server 20. As shown in FIG. As shown in FIG. 3 , the management server 20 functions as a communication section 201 , a storage section 202 and a control section 203 .

The communication unit 201 performs processing for the management server 20 to communicate with an external device.

The storage unit 202 has, for example, a contractor information database (DB) 2021, a user terminal information DB 2022, a member store information DB 2023, an authorization data DB 2024, a clearing data DB 2025, and the like.

Contractor information DB 2021 is a database for holding information on corporations and the like that contract cards. Details will be described later.

The user terminal information DB 2022 is a database for holding information on the user terminal 10 . Details will be described later.

The member store information DB 2023 is a database for holding information on member stores that can communicate with the management server 20 via the line 5 . Details will be described later.

The authorization data DB 2024 is a database for holding information on authorization data. Details will be described later.

The clearing data DB 2025 is a database for holding information on clearing data. Details will be described later.

The difference data DB 2026 is a database for holding information on difference data. Details will be described later.

The control unit 203 exhibits the functions shown as various modules when the processor of the administrator server 20 performs processing according to a program. The control unit 203 includes a reception control module 203a, a transmission control module 203b, an operation content acquisition module 203c, an authorization data acquisition module 203d, a clearing data acquisition module 203e, a difference data acquisition module 203f, a usage notification information presentation module 203g, and accounting information. It functions as a presentation module 203h.

The reception control module 203a controls processing for the management server 20 to receive a signal from an external device according to a communication protocol.

The transmission control module 203b controls the process of transmitting a signal from the management server 20 to an external device according to a communication protocol.

The operation content acquisition module 203c acquires the content of an operation input to the user terminal 10 by the user. Information acquired by the operation content acquisition module 203c is stored in the storage unit 202 or the like.

The operation content acquisition module 203c acquires, for example, the operation content input by the user to the information displayed on the operation screen of the application on the user terminal 10 or the like.
The content of the input operation may include the following.
・ Operation to change the settings for summarizing usage amounts by card, department, purpose, project, etc. ・ Operation to change settings for display formats such as graphs based on usage amounts ・ Monthly, quarterly, half-yearly, yearly, etc. Operation to change the setting of the aggregation period ・ Operation to change the setting of the closing date of the aggregation period such as until 17:00 on the last day of every month, until 18:00 on the 10th of every month, etc. ・ Operation to ignore or change the received data ・ Display the received data on the operation screen Do not or do not receive

The authorization data acquisition module 203d controls processing for acquiring authorization data.

Specifically, when the card is used for payment, information on card use (date and time of use, card number, undetermined usage amount, payment method, member store information such as ID) is output. The management server 20 performs credit determination (authorization) processing using the control unit 203 and the like. The management server 20 adds information on the credit determination result (credit approval) to the information by the control unit 203 or the like, and outputs the information to the member store terminal 30 . The authorization data acquisition module 203d acquires, as authorization data, information related to card usage to which information on the result of credit determination is added.

The authorization data acquired by the authorization data acquisition module 203d is stored in the authorization data DB 2024 of the storage unit 202 or the like. For the authorization data, the collection period to which the authorization data belongs is determined based on the information on the date and time of use.

The authorization data acquired by the authorization data acquisition module 203d is output to the user terminal 10 at an arbitrary timing as data included in the usage notification information. Specifically, for example, the authorization data is output to the user terminal 10 in response to activation of an application on the user terminal 10 by the user. Also, the authorization data is output in response to acquisition by the authorization data acquisition module 203d.

The authorization data acquired by the authorization data acquisition module 203d is output to the user terminal 10 as data included in the accounting information at an arbitrary timing after the end of a predetermined aggregation period (for example, the first correction period). be done. Specifically, for example, if the corresponding clearing data is not acquired within the first aggregation period, the authorization data is the data included in the accounting information after the first aggregation period ends, and the user terminal 10 output to

The clearing data acquisition module 203e controls the process of acquiring clearing data.

The clearing data acquisition module 203e controls the process by which the management server 20 acquires clearing data from the member store terminal 30 via the line 5 . The clearing data acquisition module 203e acquires the clearing data from the member store terminal 30 in response to the completion of the process of determining the card usage amount. The card usage amount is determined by the server of the card company that is the acquirer on the line 5, the server of the card company that provides a system capable of international settlement, the server of financial institutions such as banks, etc. completed based on the approval process.

The clearing data stored in the clearing data DB 2025 has a corresponding relationship with the authorization data stored in the authorization data DB 2024 .

For example, when the clearing data acquisition module 203e acquires clearing data, the control unit 203 may determine corresponding authorization data based on one or more pieces of information included in the clearing data.

Specifically, when the clearing data acquisition module 203e acquires the clearing data, the control unit 203 stores the usage date and time information and the card number information included in the clearing data and the authorization data stored in the authorization data DB 2024. Compare with the included date and time of use information and card number information. The control unit 203 determines that clearing data including each piece of information that matches each piece of information included in the authorization data is clearing data that has a corresponding relationship with the authorization data.

The clearing data DB 2025 and the authorization data DB 2024 may store data identification IDs for storing correspondence between clearing data and authorization data. For example, the same identification ID is assigned to clearing data and authorization data that are in a corresponding relationship. The identification ID may be assigned by the control unit 203 . Further, the control unit 203 may acquire the identification ID given by the member store terminal 30 and store it as information included in the clearing data or the authorization data.

The clearing data acquired by the clearing data acquisition module 203e is output to the user terminal 10 at an arbitrary timing as data included in the usage notification information. Specifically, for example, the clearing data is output to the user terminal 10 in response to activation of an application in the user terminal 10 by the user. Also, the clearing data is output in response to being acquired by the clearing data acquisition module 203e.

The clearing data acquired by the clearing data acquisition module 203e is output to the user terminal 10 at an arbitrary timing as data included in accounting information. Specifically, for example, the clearing data is output in response to being acquired by the clearing data acquisition module 203e. In addition, the clearing data is output to the user terminal 10 in response to the activation of the application in the user terminal 10 by the user.

The difference data acquisition module 203f controls the process of outputting the difference data.

Specifically, when the clearing data acquisition module 203e acquires the clearing data from the difference data acquisition module 203f, the control unit 203 causes the information on the fixed usage amount included in the clearing data and the correspondence relationship between the clearing data and the is compared with the information of the undetermined usage amount included in the authorization data, and if there is a difference, the difference data is acquired. The difference data acquisition module 203f may acquire information indicating that the difference is 0 when there is no difference.

For example, if the information on the fixed usage amount included in the clearing data is 50,000 yen and the information on the unfixed usage amount included in the authorization data is 55,000 yen, the difference data acquisition module 203f obtains -5 as the difference data. ,000 yen is stored. The difference data is information to the effect that the information on the fixed usage amount is 5,000 yen lower than the information on the unfixed usage amount. Further, the difference data is information to the effect that the information on the fixed usage amount is different from the information on the unsettled usage amount.

The difference is generated in response to a change in the amount used, for example, due to cancellation processing of purchase of goods or services or change processing of the amount used based on fluctuations in exchange rates.

When the difference data acquisition module 203f acquires information indicating that the information on the fixed usage amount is different from the information on the unfixed usage amount as the difference data, the difference data is stored in the difference information DB 2026 .

Note that the difference information DB 2026 stores data identification ID information for storing the correspondence relationship between clearing data and authorization data, in addition to the difference amount information. The difference information DB 2026 also stores the same data identification ID as the clearing data and authorization data compared by the difference data acquisition module 203f.

When the difference data acquisition module 203f acquires the difference data, it outputs it to the user terminal 10 as data included in the accounting information. Specifically, for example, the difference data acquisition module 203f acquires the difference data based on the authorization data and clearing data acquired in response to the use of the card during the first counting period. The difference data acquisition module 203f outputs the acquired difference data to the user terminal 10 as data included in the accounting information for the second period. The difference data output as data included in the accounting information for the second period is withdrawn as the used amount on the withdrawal date after the end of the second period.

The difference data is output to the user terminal 10 when the difference data acquisition module 203f acquires the difference data. Alternatively, the difference data is output to the user terminal 10 in response to activation of an application on the user terminal 10 by the user.

The usage notification information presentation module 203g controls the process of presenting usage notification information to the user of the user terminal 10 based on the authorization data and the clearing data.

The usage notification information includes, for example, usage date and time, unconfirmed usage fee/fixed usage amount, name of affiliated store, and the like. By providing the usage notification information by the usage notification information presentation module 203g, the user of the user terminal 10 can know when, where, by whom and for what purpose the card was used. Note that the usage notification information may include information other than this.

Specifically, for example, the usage notification information presentation module 203g starts processing in response to activation of an application such as cloud accounting software on the user terminal 10 .

The usage notification information presentation module 203g acquires information on the user terminal ID of the user terminal 10 and information on the card numbers of one or more cards from the user terminal 10 via the line 4 . Note that the usage notification information presentation module 203g may acquire information indicating that the card numbers of one or more cards have been selected according to the user's operation of the user terminal 10 . Note that the usage notification information presentation module 203g may acquire information other than the card number, which specifies the card or the card user. For example, the usage notification information presentation module 203g may acquire information such as the card user and the user ID. Subsequent processing by the usage notification information presentation module 203g may be performed based on this.

In addition, the usage notification information presentation module 203g, in response to the activation of the application in the user terminal 10, presents the information of the aggregation period including the current date and time (for example, June 1st to June 30th). get. Note that the usage notification information presentation module 203g may acquire information on the selected aggregation period according to the operation of the user terminal 10 by the user.

The usage notification information presenting module 203g extracts authorization data from the authorization data DB 2024 based on the acquired card number information and aggregation period information.

Next, the usage notification information presentation module 203g extracts corresponding clearing data from the clearing data DB 2025 based on the extracted authorization data. The clearing data may be extracted based on the card number information and the total period information.

The usage notification information presentation module 203g generates usage notification information based on the extracted authorization data and clearing data. Specifically, when the usage notification information presentation module 203g extracts clearing data having a correspondence relationship with the authorization data, the usage notification information includes the clearing data in the usage notification information. Further, if the usage notification information presentation module 203g does not extract the clearing data corresponding to the authorization data, the usage notification information includes the authorization data in the usage notification information. Note that the usage notification information presentation module 203g may perform processing to include difference data as the usage notification information.

The usage notification information presentation module 203g outputs usage notification information including one or more data to the user terminal 10 via the line 4. FIG.

In other words, the usage notification information presentation module 203g does not output authorization data as usage notification information when the control unit 203 has acquired clearing data.

Note that the usage notification information presentation module 203g performs processing for immediately updating the usage notification information when the control unit 203 acquires authorization data while the application is running.

Specifically, the usage notification information presentation module 203g immediately outputs the authorization data acquired by the control unit 203 by the authorization data acquisition module 203d to the user terminal 10 as update data of the usage notification information. Thereby, the user of the user terminal 10 can immediately know that the card has been used. In addition, the user of the user terminal 10 can immediately check the usage status of the card based on information such as the usage amount. For example, when there is unauthorized use of the card, it is possible to immediately confirm that there has been unauthorized use.

Note that the usage notification information presentation module 203g performs processing for immediately updating the usage notification information when the control unit 203 acquires clearing data while the application is running.

Specifically, the usage notification information presentation module 203g immediately outputs the clearing data acquired by the control unit 203 by the clearing data acquisition module 203e to the user terminal 10 as update data of the usage notification information. As a result, the user of the user terminal 10 can immediately confirm more accurate usage amount information as the amount to be withdrawn from the account.

The usage notice information presentation module 203g adds information (unconfirmed information) to the effect that the usage charge has not been determined (unconfirmed information) to the information on the usage charge (unconfirmed usage charge) based on the authorization data in the usage notification information, and presents it to the user. You may output to the terminal 10. FIG. In addition, the usage notification information presentation module 203g adds information (determined information) to the effect that the usage amount is fixed to information of the usage amount (fixed usage amount) based on the clearing data in the usage notification information, and You may output to the terminal 10. FIG.

When outputting update data of the usage notification information to the user terminal 10, the usage notification information presentation module 203g may output information to cause the user terminal 10 to present a real-time notification. The usage notification information presentation module 203g provides, for example, real-time notifications such as "the card was used", "the date of use (X month XX), the amount used (¥ XX), and the member store name (XX)". Information to the effect that a message such as

The accounting information presentation module 203h controls the process of outputting the accounting information for each aggregation period to the user terminal 10. FIG.

Accounting information is information about the card usage status within the aggregation period, and specifically includes information such as the date and time of use of one or more cards, the amount of money spent, the name of a member store, and the total amount of money spent. Accounting information is information based on one or more of authorization data and/or clearing data. Note that the accounting information may include information other than this.

The aggregation period is set by the administrator of the management server 20, the card subscriber, or the like, and when the closing date (final date and time) of the aggregation period ends, a new aggregation period begins. For example, if the aggregation period is set monthly (from 00:00 on the first day to 24:00 on the last day), the first aggregation period is from 00:00 on June 1 to 24:00 on June 30. When 24:00 on June 30, which is the closing date, ends, the second aggregation period (00:00 on July 1 to 24:00 on July 31) starts. The aggregation period may be set quarterly, semi-annually, or annually. Also, the closing date may be set to the 10th, the 15th, or the like. The closing date may be a date and time as well as a date.

The accounting information presentation module 203h outputs the authorization data stored in the authorization data DB 2024 in response to the end of the aggregation period. Specifically, for example, when the first aggregation period ends, the accounting information presentation module 203h extracts the authorization data belonging to the first period from the authorization data stored in the authorization data DB 2024 . The accounting information presentation module 203h determines the aggregation period to which the authorization data belongs based on the usage date information included in the authorization data. The accounting information presentation module 203h outputs to the user terminal 10 only data for which corresponding clearing data is not stored in the clearing data DB 2025 among the extracted authorization data.

When the clearing data acquisition module 203e acquires the clearing data, the accounting information presentation module 203h outputs the clearing data to the user terminal 10 as data included in the accounting information. Specifically, for example, when the clearing data acquisition module 203e acquires clearing data belonging to the first aggregation period during the first aggregation period, the accounting information presentation module 203h converts the clearing data into the accounting information Output as data contained in . The accounting information presentation module 203h determines the aggregation period to which the clearing data belongs based on the usage date information included in the clearing data.

When the difference data acquisition module 203f acquires the difference data, the accounting information presentation module 203h outputs the difference data to the user terminal 10 as data included in the accounting information. The accounting information presentation module 203h determines the aggregation period to which the difference data belongs, based on the information on the date and time when the difference data was obtained.

The accounting information presentation module 203h performs a process of outputting the authorization data as accounting information in response to the end of the first aggregation period. After completing the process of outputting the authorization data as accounting information, the accounting information presentation module 203h outputs to the user terminal 10 information indicating that the accounting information for the first aggregation period has been finalized.

When the accounting information for the first aggregation period is determined, the card issuing company that manages the management server 20 performs the process of withdrawing the usage fee for the first aggregation period from the account of the corporation that uses the card based on the accounting information. conduct.

Accounting information includes usage fee information for a predetermined aggregation period. The usage fee information for a predetermined aggregation period is the total usage amount included in one or more data items included in the accounting information.

The accounting information presentation module 203h outputs accounting information even if all clearing data corresponding to one or more authorization data has not been obtained. In other words, the accounting information presentation module 203h outputs accounting information based on the undetermined amount included in the authorization data. This reduces the risk of delays in accounting and monthly closing.

When the accounting information presentation module 203h outputs to the user terminal 10 information indicating that the accounting information has been finalized, the accounting information presentation module 203h may output information to the user terminal 10 to present a real-time notification. The accounting information presentation module 203h, for example, provides real-time notifications such as "Accounting information has been confirmed" and "This month's usage amount is ¥ 〇〇, of which the unconfirmed usage amount is ¥ 〇〇, and the fixed usage amount is ¥ 〇〇. ” or the like may be output.

<2 Data structure>
4 and 5 are diagrams showing the data structure of the database stored by the management server 20. FIG. It should be noted that FIGS. 4 and 5 are examples, and do not exclude data not described.

FIG. 4 is a diagram showing the data structure of the contractor information DB 2021. As shown in FIG. For example, the contractor information DB 2021 stores information about corporations and the like that are contractors.

Specifically, the contractor information DB 2021 stores information and the like provided to the administrator and the like of the management server 20 at the time of contracting the corporate card and the like. The contractor information DB 2021 may store information received by the operation content acquisition module 203c.

As shown in FIG. 4, each record of the contractor information DB 2021 includes, for example, the item "corporation ID", the item "corporation name", the item "card number", the item "password", the item "registrant name", Includes the item "registrant ID" and the item "aggregation period".

The item "corporation ID" indicates an identification ID of a corporation or the like that has made a contract for the card.

The item "corporation name" indicates information on the name of the corporation, etc. that contracted the card.

The item "card number" indicates information on the card number of one or more cards used by a corporation or the like that has contracted the card. The item "card number" distinguishes between, for example, the card number of a representative card issued in the name of a corporate representative, etc., and the card number information of an employee card issued in the name of an employee, etc. of a corporation. It may be stored separately.

The item "personal identification number" indicates the information of the personal identification number set by the registrant whose name is registered on the card.

The item "password" may indicate the information of the network password that is given to the card in advance and displayed on the back of the card or the like.

The item "registrant ID" indicates information on the identification ID of the registrant whose name is registered on the card.

The item "name of registrant" indicates information on the name of the registrant whose name is registered on the card.

FIG. 4 is a diagram showing the data structure of the user terminal information DB 2022. As shown in FIG. For example, the user terminal information DB 2022 stores information on the user terminal 10 used by card subscribers and the like.

Specifically, the user terminal information DB 2022 stores information and the like provided to the administrator of the management server 20 when registering with cloud accounting software and the like. The contractor information DB 2021 may store information received by the operation content acquisition module 203c.

As shown in FIG. 4, each record of the user terminal information DB 2022 includes, for example, the item "user terminal ID", the item "related ID or card number", the item "terminal user ID", the item "terminal user name "including.

The item “user terminal ID” indicates information on the identification ID of the user terminal 10 .

The item "related ID or card number" is information linked to the user terminal ID or the like, and is used to extract authorization data or clearing data in order to generate information to be output to the user terminal 10. Indicates information.

Specifically, for example, when corporate ID information is stored in the item "related ID or card number", the control unit 203 of the management server 20 provides usage notification information or accounting information to the user of the user terminal 10. To do so, extract the authorization data or clearing data containing the information of the corporate ID.

Further, for example, when a card number is stored in the item "related ID or card number", the control unit 203 of the management server 20 provides usage notification information or accounting information to the user of the user terminal 10, Extract authorization or clearing data, including card number information.

The data extracted by the control unit 203 of the management server 20 is provided as usage notification information or accounting information to the user of the user terminal 10 corresponding to the user terminal ID linked to the related ID or card number.

The item “terminal user ID” indicates information on the identification ID of the user of the user terminal 10 .

The item “terminal user name” indicates information on the name of the user of the user terminal 10 .

FIG. 4 is a diagram showing the data structure of the member store information DB 2023. As shown in FIG. The member store information DB 2023 stores information on member stores.

Specifically, the member store information DB 2023 stores information and the like provided to the administrator of the management server 20 from a database held by another server or the like on the line 5 .

As shown in FIG. 4, each record of the member store information DB 2023 includes, for example, the item "member store ID", the item "member store name", and the item "terminal ID".

The item "member store ID" indicates information on the identification ID of the member store.

The item "member store name" indicates information on the name of the member store.

The item “member store terminal ID” indicates information on the identification ID of the member store terminal 30 .

FIG. 5 is a diagram showing the data structure of the authorization data DB 2024. As shown in FIG. The authorization data DB 2024 stores authorization data acquired by the authorization data acquisition module 203d.

For example, the authorization data DB 2024 may store the authorization data acquired by the authorization data acquisition module 203d separately for each corporation, as shown in FIG.

As shown in FIG. 5, each record of the authorization data DB 2024 includes, for example, the item "data ID", the item "date and time of use", the item "card number", the item "registrant ID", and the item "unconfirmed usage amount". , the item “payment method” and the item “merchant ID”.

The item "data ID" indicates information of a data identification ID for indicating the correspondence between authorization data, clearing data, and difference data. The same data ID is assigned to the authorization data, clearing data, and difference data that are in correspondence.

The item "date and time of use" indicates information on the date and time when the card was used at the affiliated store. The date and time of use stored in the item "date and time of use" may be information on the date and time (data acquisition date and time) when the authorization data was acquired by the authorization data acquisition module 203d.

For example, the authorization data stored in the authorization data DB 2024 may be stored in ascending or descending order based on date and time information stored in the item "date and time of use".

The item "card number" indicates information on the card number of the card used for payment.

The item "registrant ID" indicates information on the identification ID of the registrant whose name is registered on the card used for payment.

The item "unfixed usage amount" indicates information on the usage amount used for payment. Here, the information on the usage amount stored in the item "unfixed usage amount" is the information on the unsettled usage amount output before the completion of the processing for determining the usage amount at the member store terminal 30 .

The item "payment method" indicates information on the payment method used for payment. The payment method is, for example, lump sum payment, installment payment, revolving payment, or the like.

The item "member store ID" indicates the identification ID of the member store using the card.

FIG. 5 is a diagram showing the data structure of the clearing data DB 2025. As shown in FIG. The clearing data DB 2025 stores clearing data acquired by the clearing data acquisition module 203e.

For example, as shown in FIG. 5, the clearing data DB 2025 may store the clearing data acquired by the clearing data acquisition module 203e separately for each corporation.

As shown in FIG. 5, each of the records in the clearing data DB 2025 includes, for example, the item "data ID", the item "use date and time", the item "acquisition date and time", the item "card number", the item "registrant ID", It includes the item 'fixed usage amount', the item 'payment method', and the item 'merchant ID'.

The item "data ID" indicates information of a data identification ID for indicating the correspondence between authorization data, clearing data, and difference data. The same data ID is assigned to the authorization data, clearing data, and difference data that are in correspondence.

The item "date and time of use" indicates information on the date and time when the card was used at the affiliated store. The date and time of use stored in the item "date and time of use" may be the date and time (data acquisition date and time) when the authorization data was acquired by the authorization data acquisition module 203d.

The item "acquisition date and time" indicates information on the date and time (data acquisition date and time) when the clearing data was acquired by the clearing data acquisition module 203e.

For example, the clearing data stored in the clearing data DB 2025 may be stored in ascending order or descending order based on date and time information stored in the item "acquisition date and time".

In addition, if the clearing data DB 2025 stores clearing data for each collection period based on the date and time information stored in the item "fixed date and time", The clearing data acquired in the second aggregation period may be stored as data in the second aggregation period.

The item "card number" indicates information on the card number of the card used for payment.

The item "registrant ID" indicates information on the identification ID of the registrant whose name is registered on the card used for payment.

The item "fixed usage amount" indicates information on the usage amount that is actually used for payment. Here, the information of the usage amount stored in the item “fixed usage amount” is the information of the fixed usage amount output after the processing of determining the usage amount at the member store terminal 30 is completed.

Note that the difference data output by the difference data acquisition module 203f may be associated with and stored in the item "fixed usage amount".

The item "payment method" indicates information on the payment method used for payment. The payment method is, for example, lump sum payment, installment payment, revolving payment, or the like.

The item "member store ID" indicates the identification ID of the member store using the card.

FIG. 5 is a diagram showing the data structure of the difference data DB 2026. As shown in FIG. The difference data DB 2026 stores the difference data acquired by the difference data acquisition module 203f.

For example, as shown in FIG. 5, the difference data DB 2026 may store the difference data acquired by the difference data acquisition module 203f separately for each corporation.

As shown in FIG. 5, each record of the difference data DB 2026 includes, for example, the item "data ID", the item "date and time of use", the item "date and time acquired", the item "card number", the item "registrant ID", the item Includes 'difference amount', item 'payment method', and item 'merchant ID'.

The item "data ID" indicates information of a data identification ID for indicating the correspondence between authorization data, clearing data, and difference data. The same data ID is assigned to the authorization data, clearing data, and difference data that are in correspondence.

The item "date and time of use" indicates information on the date and time when the card was used at the affiliated store. The date and time of use stored in the item "date and time of use" may be the date and time (data acquisition date and time) when the authorization data was acquired by the authorization data acquisition module 203d.

The item “acquisition date and time” indicates information on the date and time when the difference data acquisition module 203f acquired the difference data.

For example, the difference data stored in the difference data DB 2026 may be stored in ascending order or descending order based on the date and time information stored in the item "acquisition date and time".

The item "card number" indicates information on the card number of the card used for payment.

The item "registrant ID" indicates information on the identification ID of the registrant whose name is registered on the card used for payment.

The item "difference amount" indicates difference information between the fixed usage amount information included in the clearing data and the unfixed usage amount information included in the authorization data output by the difference data acquisition module 203f.

The item "payment method" indicates information on the payment method used for payment. The payment method is, for example, lump sum payment, installment payment, revolving payment, or the like.

The item "member store ID" indicates the identification ID of the member store using the card.

<3 Operation example>
An example of the operation of the management server 20 will be described below.

<Usage notification information presentation processing>
FIG. 6 is a flow chart showing an example of the operation of the management server 20. As shown in FIG. Specifically, FIG. 6 is a flow chart showing the operation of providing usage notification information to the user of the user terminal 10 in response to the activation of an application on the user terminal 10 .

Note that the user terminal 10 is in a state where an application is installed. The application contains information on the user terminal ID and terminal user ID of the user terminal 10, and information on the corporate ID, corporate name, card number, registrant name, and registrant ID of the card related to the user of the user terminal 10. , information on the aggregation period, and the like are stored.

When an application is activated in the user terminal 10, information indicating that the application has been activated (for example, login information) is output.

In step S11, the control unit 203 performs a process of acquiring information about the user terminal 10 or the like on which the application has been activated.

Specifically, the control unit 203 acquires information on the identification ID of the user terminal 10 on which the application was started, information on the card number registered in the application, and information on the date and time when the application was started. The identification ID information, the card number information, and the date and time information may be acquired by the usage notification information presentation module 203g.

In step S12, the control section 203 performs a process of extracting one or a plurality of authorization data from the authorization data DB 2024 based on the acquired information.

Specifically, the control unit 203 selects, from the authorization data stored in the authorization data DB 2024 by the usage notification information presentation module 203g, data containing the card number and whose usage date and time information is within the aggregation period. to extract

In step S<b>13 , the control unit 203 performs processing for extracting one or more clearing data from the clearing data DB 2025 .

Specifically, the control unit 203 uses the usage notification information presentation module 203g to extract clearing data having a correspondence relationship with the authorization data extracted in step S12 from among the clearing data stored in the clearing data DB 2025 .

Note that the control unit 203 may extract clearing data based on the information acquired in step S11. Specifically, the control unit 203 controls the clearing data stored in the clearing data DB 2025 by the usage notification information presentation module 203g to clear data that includes the card number and that the information on the date and time of usage is within the aggregation period. Some data may be extracted.

In step S14, the control unit 203 performs processing for generating usage notification information based on the authorization data extracted in step S22 and the clearing data extracted in step S23.

Specifically, the control unit 203 generates usage notification information using the usage notification information presentation module 203g. When the usage notification information presenting module 203g extracts clearing data having a correspondence relationship with the authorization data in step S13, the usage notification information presentation module 203g performs a process of including the clearing data in the usage notification information. Further, if the usage notification information presentation module 203g does not extract clearing data having a correspondence relationship with the authorization data in step S13, it performs processing to include the authorization data in the usage notification information.

The usage notification information presentation module 203g stores the usage notification information generated by this process in the storage unit 202 or the like.

In step S<b>15 , the control unit 203 causes the usage notification information presentation module 203 g to output the usage notification information generated in step S<b>14 to the user terminal 10 via the line 4 .

The user terminal 10 acquires the usage notification information from the management server 20 according to the process of step S14 in the management server 20 . The user terminal 10 provides the acquired usage notification information to the user of the user terminal 10 by the application.

(1) When presenting the usage notification information for the aggregation period selected by the user In the above description, based on the information on the date and time when the application was started, the control unit 203 displays the usage notification information for the aggregation period to which the date and time belong is presented to the user of the user terminal 10. However, the control unit 203 may present usage notification information for the aggregation period selected by the user.

Concretely, the user of the user terminal 10 performs an operation of designating the aggregation period using an application. The user terminal 10 outputs information for designating the aggregation period to the management server 20 via the line 4 .

The control unit 203 of the management server 20 acquires information for designating the aggregation period via the line 4 . The control unit 203 may acquire information for designating the aggregation period using the operation content acquisition module 203c.

The control unit 203 performs the above-described processing from step S22 to step S25 based on the information for designating the tallying period, the information on the identification ID of the user terminal 10, and the information on the card number stored in the application. I do. Thereby, the control unit 203 can present the user of the user terminal 10 with the usage notification information for the specified aggregation period.

(2) When updating based on authorization data When the management server 20 acquires authorization data while an application is running on the user terminal 10, the control unit 203 of the management server 20 updates the usage notification information. process.

Specifically, the control unit 203 outputs the authorization data acquired by the authorization data acquisition module 203d to the user terminal 10 via the line 4 by the usage notification information presentation module 203g as update data of the usage notification information.

The user terminal 10 acquires update data of the usage notification information from the management server 20 . The user terminal 10 provides the user of the user terminal 10 with the update data of the acquired usage notification information through the application. Specifically, the user terminal 10 presents the user of the user terminal 10 with the usage notification information including the authorization data newly acquired by the management server 20 by the application.

(3) When updating based on clearing data Note that when the management server 20 acquires clearing data while an application is running on the user terminal 10, the control unit 203 of the management server 20 updates the usage notification information. process for

Specifically, the control unit 203 causes the usage notification information presentation module 203g to set the aggregation period including the usage date and time information based on the usage date and time information included in the clearing data acquired by the clearing data acquisition module 203e. judge. If the usage notification information presentation module 203g determines that the aggregation period matches the aggregation period of the usage notification information presented to the user of the user terminal 10, the usage notification information presentation module 203g uses the clearing data as update data for the usage notification information, output to the user terminal 10 via.

At this time, the authorization data corresponding to the clearing data is replaced with the clearing data. In other words, the clearing data acquisition module 203e presents the clearing data within the aggregation period to the user of the user terminal 10, but does not present the corresponding authorization data to the user of the user terminal 10.

(4) Output Destination of Use Notification Information In the above description, the management server 20 outputs the use notification information to the user terminal 10 via the line 4 in step S15. However, the management server 20 may output the usage notification information to an output device of the management server 20 (such as a display or a speaker included in the input/output IF 23). The usage notification information output to the output device of the management server 20 is provided to the administrator of the management server 20 or the like.

Also, the management server 20 may output to a provider server of an application such as cloud accounting software. The usage notification information output to the application provider server is provided to the administrator or the like of the application provider server.

<Accounting information presentation processing>
7A, 7B, 8A, 8B, and 9 are flowcharts showing an example of the operation of the management server 20. FIG. Specifically, FIGS. 7A and 7B are flowcharts showing accounting information presentation processing when the management server 20 acquires authorization data and clearing data in the first collection period. FIGS. 8A, 8B, and 9 are flowcharts showing accounting information presentation processing when the management server 20 acquires authorization data in the first aggregation period and acquires clearing data in the second aggregation period. is.

Accounting information presentation processing when the management server 20 acquires authorization data and clearing data in the first aggregation period will be described based on the flowcharts of FIGS. 7(A) and 7(B).

It is assumed that the card was used on a predetermined date and time belonging to the aggregation period of the first period. Also, the management server 20 acquires the authorization data and the clearing data at a predetermined date and time belonging to the aggregation period of the first period.

As shown in FIG. 7A, in step S21, the control unit 203 performs a process of acquiring authorization data.

Specifically, for example, the control unit 203 acquires the authorization data within the first aggregation period using the authorization data acquisition module 203d. The authorization data acquired by the authorization data acquisition module 203d is stored in the authorization data DB 2024 of the storage unit 202 or the like.

The member store terminal 30 outputs the clearing data via the line 5 after a predetermined period of time (for example, several days) after the control unit 203 acquires the authorization data.

As shown in FIG. 7B, in step S22, the control unit 203 performs processing for acquiring clearing data from the member store terminal 30 via the line 5. FIG.

Specifically, for example, the control unit 203 acquires the clearing data output from the member store terminal 30 after a certain period of time has passed since the acquisition of the authorization data, using the clearing data acquisition module 203e. Here, the clearing data acquisition module 203e acquires clearing data within the first aggregation period.

The clearing data acquired by the clearing data acquisition module 203e is stored in the clearing data DB 2025 of the storage unit 202 or the like. Note that the clearing data is data that has a corresponding relationship with the authorization data stored in the authorization data DB 2024 .

In step S<b>23 , the control unit 203 performs processing for outputting the clearing data to the user terminal 10 via the line 4 .

Specifically, in response to the clearing data acquisition module 203e acquiring clearing data from the accounting information presentation module 203h, the control unit 203 outputs the clearing data as data included in the accounting information.

The user terminal 10 acquires the clearing data included in the accounting information from the management server 20 according to the process of step S23 in the management server 20 . The user terminal 10 provides the acquired clearing data to the user of the user terminal 10 by an application.

Steps S21 to S23 make it even easier for the user to perform accounting processing based on the card usage amount. Specifically, the management server 20 presents the clearing data acquired in response to the use of the card within the first aggregation period to the user within the first aggregation period through the process of step S23. is possible. As a result, the user can start accounting processing operations in a corporation or the like during the aggregation period.

Next, based on FIGS. 8A, 8B, and 9, a case where the authorization data and the clearing data are acquired in different aggregation periods will be described.

Here, it is assumed that the card was used on a predetermined date and time belonging to the aggregation period of the first period. Also, the management server 20 acquires authorization data at a predetermined date and time belonging to the aggregation period of the first period. On the other hand, it is assumed that the management server 20 does not acquire clearing data within the aggregation period of the first period. In other words, the management server 20 acquires clearing data within the aggregation period of the second period.

As shown in FIG. 8A, in step S31, the control unit 203 performs a process of acquiring authorization data.

Specifically, for example, the control unit 203 acquires the authorization data within the first aggregation period using the authorization data acquisition module 203d. The authorization data acquired by the authorization data acquisition module 203d is stored in the authorization data DB 2024 of the storage unit 202 or the like.

Here, it is assumed that after the control unit 203 acquires the authorization data, the first aggregation period ends before acquiring the corresponding clearing data.

As shown in FIG. 8B, in step S32, the control unit 203 performs a process of extracting authorization data stored in the authorization data DB 2024. FIG.

Specifically, the control unit 203 extracts the authorization data stored in the authorization data DB 2024 by the accounting information presentation module 203h in response to the end of the first aggregation period.

In step S33, the control unit 203 performs a process of outputting the authorization data extracted in step S32 as data included in the accounting information.

Specifically, the control unit 203 outputs the authorization data as data included in the accounting information by the accounting information presentation module 203h. The accounting information presentation module 203h outputs authorization data when clearing data corresponding to the authorization data stored in the authorization data DB 2024 has not been obtained within the first aggregation period. If clearing data corresponding to the authorization data has been acquired by the control unit 203 within the first aggregation period, the clearing data is output (step S23).

The user terminal 10 acquires the authorization data included in the accounting information from the management server 20 according to the process of step S33 in the management server 20 . The user terminal 10 provides the acquired authorization data to the user of the user terminal 10 by the application.

The processing of step S33 makes it easier for the user to perform accounting processing based on the card usage amount. Specifically, the user can perform accounting processing based on the information of the unfixed usage amount (unsettled usage amount) included in the authorization data. As a result, it is possible to output detailed statements and the like that are necessary for accounting processing work and settlement processing work immediately after the end of the aggregation period, and it is easy to start the processing work.

Here, it is assumed that the member store terminal 30 outputs the clearing data via the line 5 after the end of the first tallying period (within the second tallying period).

As shown in FIG. 9 , in step S<b>34 , the control unit 203 performs processing of acquiring clearing data from the member store terminal 30 via the line 5 .

Specifically, for example, the control unit 203 acquires the clearing data output from the member store terminal 30 after a certain period of time has passed since the acquisition of the authorization data, using the clearing data acquisition module 203e. Here, the clearing data acquisition module 203e acquires the clearing data within the second aggregation period.

The clearing data acquired by the clearing data acquisition module 203e is stored in the clearing data DB 2025 of the storage unit 202 or the like. Note that the clearing data is data that has a corresponding relationship with the authorization data stored in the authorization data DB 2024 .

In step S35, the control unit 203 performs a process of acquiring difference data.

Specifically, for example, the control unit 203 causes the difference data acquisition module 203f to obtain information on the amount of money included in the clearing data acquired in step S34 and information on the amount of money included in the authorization data acquired in step S31. compare. The difference data acquisition module 203f acquires, as difference data, information on the result of comparing the information on the fixed usage amount included in the clearing data and the information on the unfixed usage amount included in the authorization data.

The difference data output by the difference data acquisition module 203f is stored in the storage unit 202 or the like.

As a result of comparison in step S35, if there is no difference between the fixed usage amount included in the clearing data and the unconfirmed usage amount included in the authorization data, the difference data acquisition module 203f does not acquire the difference data. Alternatively, difference data indicating that the difference is 0 is acquired.

If the difference data acquisition module 203f does not acquire the difference data as a result of the comparison in step S35, the process proceeds to step S37.

In step S36, the control unit 203 performs a process of outputting the difference data as data included in the accounting information for the second aggregation period.

The user terminal 10 acquires the difference data included in the accounting information from the management server 20 in accordance with the processing of step S36 in the management server 20 . The user terminal 10 provides the acquired difference data to the user of the user terminal 10 through an application.

The processing of step S36 makes it easier for the user to perform accounting processing based on the card usage amount. Specifically, the user can perform accounting processing based on the information of the unfixed usage amount (unsettled usage amount) included in the authorization data by the processing of step S32. However, if payment is made based on the unconfirmed usage fee, the payment may be excessive or insufficient for the original amount (the fixed usage fee) that the user must pay. As such, it is possible to offset any overpayment or underpayment by asking the user to pay based on the difference data.

In step S37, the control unit 203 performs a process of updating the confirmed/unconfirmed information included in the accounting information from the information indicating that the transaction has not been confirmed to the information indicating that the transaction has been confirmed.

Specifically, the control unit 203 outputs update data for updating the authorization data output as data included in the accounting information in step S33. The update data is, for example, data for updating the confirmed/unconfirmed information included in the authorization data from information indicating unconfirmed to information indicating confirmed. Alternatively, the update data is data for replacing the authorization data with the corresponding clearing data.

(1) Output Destination of Use Notification Information In the above description, the management server 20 outputs accounting information to the user terminal 10 via the line 4 . However, the management server 20 may output accounting information to an output device of the management server 20 (such as a display or speaker included in the input/output IF 23). The accounting information output to the output device of the management server 20 is provided to the administrator of the management server 20 or the like.

The management server 20 may also output the accounting information to a provider server of an application such as cloud accounting software. The profit accounting information output to the application provider server is provided to the administrator or the like of the application provider server.

<4 Screen example>
10 and 11 are diagrams showing screen examples of the user terminal 10 according to the first embodiment of the present disclosure.

The screen example of FIG. 10 is a diagram showing an example of an operation screen in an application such as cloud accounting software installed in the user terminal 10 .

As shown in the screen example of FIG. 10, the user terminal 10 has a first area 141a for displaying balance information and usage amount information, and a second area 141a for displaying a graph relating to changes in usage amount. An area 141b and a third area 141c for displaying usage notification information are displayed.

<Display mode of the first area>
(1) Display of Information on Available Amount The user terminal 10 displays information on the available amount in the first area 141a. For example, as the available amount information, information obtained by subtracting the amount used for the current month from the monthly amount limit information set for the corporate card is displayed. For example, the usage limit information may be displayed based on information provided to the administrator of the management server 20 or the like at the time of contracting the corporate card. Information on the usage limit may be stored in the contractor information DB 2021 or the like. Also, the usage limit information may be changed based on the information received by the operation content acquisition module 203c.

(2) Display of Usage Amount Information The user terminal 10 displays usage amount information for the current month in the first area 141a. For example, the usage amount information may be displayed based on the usage notification information displayed in the third area 141c. Specifically, the usage amount information is the total amount of the unconfirmed usage amount and the confirmed usage fee included in the usage notification information displayed in the third area 141c.

It should be noted that the user terminal 10 may display information indicating that the information on the amount of money used in the aggregation period is based on information including authorization data in the first area 141a. Specifically, the user terminal 10 may display information such as “including unfixed amount of money 〇 items” and “including unfixed usage amount of Yen” in the first area 141a.
<Display mode of the second area>
(1) Display of Graph Concerning Changes in Charges Used The user terminal 10 displays a graph concerning changes in charges in the first area 141a. For example, the graph may be displayed based on the usage notification information displayed in the third area 141c. Concretely, the graph may be displayed as a bar graph by summing the information of the unconfirmed usage amount and the confirmed usage amount included in the usage notification information for each month.

It should be noted that the amount of money used may be totaled for each day, each card number, each payment method, each member store, etc., in addition to each month. Also, the graph may be displayed as a graph or diagram other than the bar graph. For example, the graph may be displayed as a line graph, pie chart, scatter diagram, or the like.

<Display mode of the third area>
(1) Display of usage notification information The user terminal 10 displays usage notification in the third area 141c. The usage notification information is information created by the usage notification information presentation module 203g. The user terminal 10 displays authorization data and clearing data acquired during an arbitrary aggregation period based on the usage notification information.

The change command 141c1 shown in the third area 141c is information for the user of the user terminal 10 to change each data included in the usage notification information. For example, the user of the user terminal 10 uses the change command 141c1 when canceling the transaction indicated by each data. As a result, the user of the user terminal 10 can immediately correct the data and reflect it in the usage notification information even if there is a change in the transaction.

For example, the user terminal 10 accepts information operated by the change command 141c1 and ignores data included in the usage notification information. As a result, the usage amount information included in the data is not aggregated and is not reflected in the total amount.

The confirmed/unconfirmed information 141c2 shown in the third area 141c is information for indicating whether each data is information based on authorization data or information based on clearing data. In other words, the fixed/unfixed information 141c2 is information for indicating whether the usage amount information included in each data is information on an unfixed usage amount or information on a fixed usage amount. For example, when each data is information based on authorization data, it is possible to indicate that the usage amount is unsettled by displaying "unsettled". For example, when each data is information based on clearing data, it is possible to indicate that the usage amount is fixed by displaying "fixed". The fixed/unfixed information 141c2 is updated when the usage notification is updated with update data based on the clearing data.

The screen example of FIG. 11 is a diagram showing an example of an operation screen in an application such as cloud accounting software installed in the user terminal 10 .

As shown in the screen example of FIG. 11, in the user terminal 10, a first area 141d for displaying usage amount information, a second area 141e for displaying a graph regarding changes in usage amount, A third area 141f for displaying accounting information is displayed.

<Display mode of the first area>
(1) Display of Usage Amount Information The user terminal 10 displays usage amount information for the current month in the first area 141d. For example, usage amount information may be displayed based on accounting information displayed in the third area 141f. Specifically, the usage amount information is the total amount of the unfixed usage amount and the fixed usage fee included in the accounting information displayed in the third area 141f.

It should be noted that the user terminal 10 may display information indicating that the information on the amount of money used in the counting period is based on information including authorization data in the first area 141d. Specifically, in the first area 141a, the user terminal 10 displays “including unconfirmed amount of money for XX cases”, “including unconfirmed usage amount of ¥ 〇〇〇”, and “unconfirmed usage amount of XX% Information such as "includes" may be displayed.

<Display mode of the second area>
(1) Display of Graph Concerning Changes in Charges Used The user terminal 10 displays a graph concerning changes in charges in the second area 141e. For example, the graph may be displayed based on the usage notification information displayed in the third area 141c. Specifically, the graph may be displayed as a line graph by totalizing the information on the unconfirmed usage amount and the confirmed usage amount included in the usage notification information for each month.

<Display mode of the third area>
(1) Display of usage notification information The user terminal 10 displays usage notification in the third area 141f. Accounting information is information created by the accounting information presentation module 203h. The user terminal 10 displays authorization data and clearing data acquired during an arbitrary collection period based on accounting information.

The change command 141f1 shown in the third area 141f is information for the user of the user terminal 10 to change each data included in the usage notification information. For example, the user of the user terminal 10 uses the change command 141f1 when canceling the transaction indicated by each data. As a result, the user of the user terminal 10 can immediately correct the data and reflect it in the usage notification information even if there is a change in the transaction.

For example, the user terminal 10 accepts information operated by the change command 141f1 and ignores data included in the usage notification information. As a result, the usage amount information included in the data is not aggregated and is not reflected in the total amount.

The usage amount information 141f2 shown in the third area 141f indicates usage amount information included in the accounting information. The usage amount information 141f2 may display difference data information together with usage amount information.

<4 Modifications>
In the above-described embodiment, the data acquisition processing, usage notification information presentation processing, and accounting information presentation processing performed by the management server 20 based on the authorization data and clearing data acquired according to the use of the corporate card have been described. . However, the management server 20 may perform these processes based on the data acquired according to the use of settlement means other than the corporate card.

Specifically, for example, the management server 20 may perform processing based on data acquired through use of the electronic payment system. The electronic payment system may be, for example, a system that uses the above-described corporate card (credit card, prepaid card, debit card, or other payment card) as a virtual card in a terminal such as the user terminal 10 or the like. An electronic payment system is a means of payment that does not involve the direct exchange of cash.

Although several embodiments of the present disclosure have been described above, these embodiments can be implemented in various other forms, and various omissions, replacements, and modifications are possible without departing from the spirit of the invention. It can be performed. These embodiments and their modifications are intended to be included in the invention described in the claims and their equivalents as well as included in the scope and gist of the invention.

<Appendix>
The items described in the above embodiments will be added below.
(Appendix 1)
A program to be executed by a computer (20) comprising a processor (203) and a memory (202), the program instructing the processor (203) to send a first data containing information about the usage amount approved by the issuing company of the payment means. A step of outputting the second data when the second data including the information on the usage amount output from the member store terminal of the member store using the payment means is acquired during the aggregation period including the date and time when the data is acquired. (S23) and the usage output from the member store terminal of the member store that used the payment method during the collection period including the date and time when the first data including the information on the usage amount approved by the payment method issuing company was acquired A program for executing a step (S33) of outputting the first data when the second data including the information about the amount is not acquired.
(Appendix 2)
In the step of outputting the second data (S23), the second data is output in response to the acquisition of the second data, and in the step of outputting the first data (S33), in response to the end of the aggregation period The program according to (Appendix 1), wherein the program outputs the first data.
(Appendix 3)
After the collection period, if the second data related to settlement transactions that occurred during the collection period is obtained, information regarding the difference between the information regarding the usage amount included in the first data and the information regarding the usage amount included in the second data shall be provided. The program according to (Appendix 1) or (Appendix 2), further executing the step of outputting (S36).
(Appendix 4)
The program according to any one of (Appendix 1) to (Appendix 3), displaying the output first data and second data together on a display screen.
(Appendix 5)
The program according to any one of (Appendix 1) to (Appendix 4), accepting an operation to ignore or change the output first data or second data on the display screen.
(Appendix 6)
The program according to any one of (Appendix 1) to (Appendix 5), which accepts an operation to the effect that the output first data or second data is not displayed or received on the display screen.
(Appendix 7)
The information on the usage amount contained in the first data is output as information on the unconfirmed usage amount that may change, and the information on the usage amount included in the second data is output as the fixed usage amount that may not change. The program according to any one of (Appendix 1) to (Appendix 7), which is output as information.
(Appendix 8)
Total amount information based on usage amount information included in one or more pieces of first data acquired during the same aggregation period, and usage amount included in one or more pieces of second data acquired during the same aggregation period The program according to any one of (Supplementary Note 1) to (Supplementary Note 7), wherein the information of the total amount based on the information of is separately output.
(Appendix 9)
The program according to (Appendix 8), which outputs a ratio of the total amount based on the first data and the total amount based on the second data.
(Appendix 10)
A system (1) comprising a computer (20) comprising a processor (203) and a memory (202), wherein the computer (20) transmits to the processor (203) information on the usage amount approved by the issuer of payment means If the second data including the information on the usage amount output from the member store terminal of the member store that used the payment method is acquired during the aggregation period that includes the date and time when the first data including is acquired, the second data is output, and the usage amount output from the member store terminal of the member store that used the payment method during the collection period that includes the date and time when the first data containing information on the usage amount approved by the payment method issuing company was acquired A system that causes the first data to be output if the second data containing information about is not obtained.
(Appendix 11)
Contains information on the usage amount approved by the issuing company of the payment method. Includes information on the usage amount output from the member store terminal of the member store that used the payment method during the collection period that includes the date and time when the first data was acquired. When the second data is acquired, in the step of outputting the second data (S23) and the aggregation period including the date and time when the first data including the information on the usage amount approved by the issuing company of the payment means is acquired, a step (S33) of outputting the first data when the second data including the information on the usage amount output from the member store terminal of the member store using the settlement means is not acquired.

1... System 10... User terminal 12... Communication IF
Reference Signs List 120: communication unit 13: input device 14: output device 141: display 141a: first area 141b: second area 141c: third area 141c1: change command 141c2: confirmed/unconfirmed information 141d: first area 141e Second area 141f Third area 141f1 Change command 141f2 Use amount information 15 Memory 150 Position information sensor 16 Storage 161 Camera 17 Sound processing unit 171 Microphone 172 Speaker 180 Storage unit 181 User information 19 Processor 190 Control unit 191 Operation reception unit 192 Transmission/reception unit 193 Presentation control unit 20 Management server 201 Communication unit 202 Storage unit 2021 Contractor information DB
2022 User terminal DB
2023 ... Member store information DB
2024 ... Authorization data DB
2025 ... Clearing data DB
203... Control unit 203a... Reception control module 203b... Transmission control module 203c... Operation content acquisition module 203d... Authorization data acquisition module 203e... Clearing data acquisition module 203f... Difference data acquisition module 203g... Usage notification information presentation module 203h... Accounting information Presentation module 22...Communication IF
23 input/output IF
25... Memory 26... Storage 29... Processor 30... Merchant terminal

Claims (11)

A program to be executed by a computer comprising a processor and a memory, the program comprising:
Information on the usage amount output from the member store terminal of the member store that used the payment method during the collection period that includes the date and time when the first data containing information on the usage amount approved by the payment method issuing company was acquired outputting the second data, if obtained, the second data comprising
Regarding the usage amount output from the member store terminal of the member store using the payment method during the collection period including the date and time when the first data containing the information regarding the usage amount approved by the issuing company of the payment method is included and outputting the first data if the second data containing information is not acquired. in the step of outputting the second data, outputting the second data in response to acquisition of the second data;
In the step of outputting the first data, outputting the first data in response to the end of the aggregation period;
A program according to claim 1. After the aggregation period, when the second data related to the settlement transactions that occurred within the aggregation period is acquired, the information on the usage amount included in the first data and the information on the usage amount included in the second data causing a further step of outputting information about the difference between
3. A program according to claim 1 or 2. 4. The program according to any one of claims 1 to 3, wherein the output first data and second data are displayed together on a display screen. 5. The program according to any one of claims 1 to 4, wherein an operation to ignore or change the output first data or second data is accepted on the display screen. 6. The program according to any one of claims 1 to 5, which accepts an operation not to display or receive the output first data or second data on the display screen. outputting information on the usage amount included in the first data as information on an undetermined usage amount that may be changed;
7. The program according to any one of claims 1 to 6, wherein the information on the usage amount included in the second data is output as information on a fixed usage amount that has no possibility of being changed. Total amount information based on usage amount information included in one or more of the first data acquired in the same aggregation period, and included in one or more of the second data acquired in the same aggregation period 8. The program according to any one of claims 1 to 7, wherein the information of the total amount based on the information of the usage amount is output separately. 9. The program according to claim 8, which outputs a ratio of the total amount based on said first data and the total amount based on said second data. A system comprising a computer comprising a processor and a memory,
The computer causes the processor to:
Information on the usage amount output from the member store terminal of the member store that used the payment method during the collection period that includes the date and time when the first data containing information on the usage amount approved by the payment method issuing company was acquired When the second data containing is acquired, output the second data,
Regarding the usage amount output from the member store terminal of the member store using the payment method during the collection period including the date and time when the first data containing the information regarding the usage amount approved by the issuing company of the payment method is included A system that causes the first data to be output if the second data containing information is not obtained. Information on the usage amount output from the member store terminal of the member store that used the payment method during the collection period that includes the date and time when the first data containing information on the usage amount approved by the payment method issuing company was acquired outputting the second data, if obtained, the second data comprising
Regarding the usage amount output from the member store terminal of the member store using the payment method during the collection period including the date and time when the first data containing the information regarding the usage amount approved by the issuing company of the payment method is included and outputting the first data if the second data containing information was not obtained.

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