JP7097075B2 - Information processing equipment, methods, programs - Google Patents

Description

The present invention relates to information processing devices, systems, and programs that control the use of prepaid cards.

Prepaid cards (transportation electronic money, etc.) that conform to legal tender are becoming widespread. With a prepaid card, when an amount equivalent to legal tender is charged in advance to the card and payment is made at a member store of the prepaid card, the charged points are reduced by the payment amount. It can be implemented not only as a physical card, but also as a smartphone application. In addition, such a prepaid card can be charged by paying cash to a member store or from a dedicated website linked to the user's bank account. A management device for managing the use of such a prepaid card is disclosed (for example, Patent Document 1).

Japanese Unexamined Patent Publication No. 2018-200717

By the way, it is conceivable that a company distributes such a prepaid card to employees to simplify the expense processing of the company. Unlike credit cards, it has the advantage of not requiring credit management for individual employees, but it also has the inconvenience of having to estimate and charge the required charge in advance. In particular, due to the nature of charging, it is difficult to charge a large amount in advance, and it is considered unsuitable for high-value payments such as tens of thousands of yen.

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

According to the present invention, it is an information processing device that manages the use of a prepaid card, includes a communication unit, a storage unit, and a calculation unit, and the communication unit can receive payment information from a payment terminal. Here, the payment information is information having an amount of money that the user has used the prepaid card in one payment, and the storage unit stores the balance information and the postpaid information in association with the user. Here, the balance information is information that is charged to the prepaid card and has a balance of points equivalent to the statutory currency, and the postpaid information is information that a person other than the user gives the points in the payment of the user. The information having a deferred payment limit is configured so that the calculation unit can determine whether or not the value of the payment information exceeds the threshold value when the communication unit receives the payment information. The threshold value is a value obtained by adding the value of the postpaid information to the value of the balance information, and when the value of the payment information does not exceed the threshold value, the value of the payment information is subtracted from the threshold value. It is configured to update at least one of the balance information and the deferred payment information stored in the storage unit so that the value obtained becomes the new threshold value, and the communication unit further stores the deferred payment settlement information. The postpaid settlement information is configured to be transmittable to the outside, and the postpaid settlement information is information indicating that a person other than the user charges the user an amount corresponding to the points reimbursed after the fact. Equipment is provided.

According to the information processing apparatus according to the present invention, an amount that can be redeemed by a third party other than the user is set separately from the balance of the points of the prepaid card, and even for a high-priced payment process, it is temporarily set. By having a third party replace it, a prepaid card that is easy to use can be realized, and such a prepaid card can be managed, which is an advantageous effect.

Schematic diagram of the system according to the embodiment. Functional block diagram of the payment terminal. Functional block diagram of the information processing device. Functional block diagram of the third institution server. Flow of payment using a prepaid card managed by the system (Example 1). Flow of payment using a prepaid card managed by the system (Example 2). Flow of payment using a prepaid card managed by the system (Example 3). Flow of payment using prepaid cards managed by the system (others).

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The various features shown in the embodiments shown below can be combined with each other. In particular, as used herein, the term "part" may include, for example, a combination of hardware resources implemented by circuits in a broad sense and information processing of software specifically realized by these hardware resources. .. Further, various information is handled in this embodiment, and these information are represented by high and low signal values as a bit set of binary numbers composed of 0 or 1, and communication / calculation is executed on a circuit in a broad sense. Can be done.

Further, the circuit in a broad sense is a circuit realized by at least appropriately combining a circuit, a circuit, a processor, a memory, and the like. That is, an integrated circuit for a specific application (Application Specific Integrated Circuit: ASIC), a programmable logic device (for example, a simple programmable logic device (Simple Programmable Logic Device: SPLD), a composite programmable logic device (Complex Programg)). It includes a programmable gate array (Field Programmable Gate Array: FPGA) and the like.

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

In particular, the prepaid card C managed by the system 1 according to the present embodiment is temporarily settled by a third party other than the user U (for example, the work place of the user U or another company contracted with the work place). It is characterized by being able to replace some of the points required for the amount of money. That is, up to the specified amount, a third party immediately charges the account of the user U's prepaid card C with points equal to the payment amount at the time of payment, and the payment is made by this. The amount corresponding to the redeemed points will be charged to the user U after the fact. Hereinafter, each component of such a system 1 will be described in more detail.

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

<Communication unit 21>
Although wired communication means such as USB, IEEE1394, Thunderbolt, and wired LAN network communication are preferable, the communication unit 21 may perform wireless LAN network communication, mobile communication such as LTE / 3G, Bluetooth (registered trademark) communication, and the like as necessary. May be included. That is, it is more preferable to carry out as a set of these plurality of communication means. In particular, when the user U desires payment using the prepaid card C at the store, when the prepaid card C is read into the payment terminal 2, the communication unit 21 in the payment terminal 2 displays the payment information IF0 in the information processing device described later. It is configured to be receivable in 3. Here, the payment information IF0 is information in which the user U has at least an amount of money using the prepaid card C in one payment. Further, the information processing apparatus 3 described later is configured to be able to receive the approval / disapproval information IF3 indicating that the payment by the prepaid card C has been approved or the payment has not been approved and the payment has been rejected.

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

<Calculation unit 23>
The calculation unit 23 processes and controls the overall operation related to the payment terminal 2. The arithmetic unit 23 is, for example, a central processing unit (CPU) (not shown). The calculation unit 23 realizes various functions related to the payment terminal 2 by reading a predetermined program stored in the storage unit 22. That is, the information processing by the software (stored in the storage unit 22) is concretely realized by the hardware (calculation unit 23), so that the specific function can be executed. For example, the calculation unit 23 can realize a function of transmitting the payment information IF0 related to the payment of the prepaid card C of the user U to the information processing device 3. Although it is shown as a single calculation unit 23 in FIG. 2, it is not limited to this, and it may be implemented so as to have a plurality of calculation units 23 for each function. Further, it may be a combination thereof.

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

<Communication unit 31>
Although wired communication means such as USB, IEEE1394, Thunderbolt, and wired LAN network communication are preferable, the communication unit 31 can perform wireless LAN network communication, mobile communication such as LTE / 3G, Bluetooth (registered trademark) communication, and the like as necessary. May be included. That is, it is more preferable to carry out as a set of these plurality of communication means. In particular, it is preferable that the payment terminal 2 is configured to be able to receive the above-mentioned payment information IF0 and the payment terminal 2 is configured to be able to transmit the approval / disapproval information IF3. Further, the communication unit 31 is configured to be able to transmit the postpaid settlement information IF4 to an external server or terminal (details will be described later).

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

The storage unit 32 stores various programs as described below. For example, the storage unit 32 stores a program in which the postpaid amount determination unit 330 in the calculation unit 33 determines the value of the postpaid information IF2 based on the work information IF5 of the user U or the account information IF6 relating to the user U. The storage unit 32 further stores a program that causes the usage approval unit 331 in the calculation unit 33 to determine whether the payment of the user U is approved or disapproved. The storage unit 32 further stores a program for causing the payment unit 332 in the calculation unit 33 to execute the payment by the prepaid card C. The storage unit 32 is a program for causing the settlement amount determination unit 333 in the calculation unit 33 to issue a notification to the user U after the fact to charge the amount equivalent to the points of the prepaid card C replaced by a third party other than the user U. Memorize further.

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

[Deferred payment amount determination unit 330]
In the deferred payable amount determination unit 330, information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). The postpaid amount determination unit 330 can determine or change the amount (upper limit) that can be postpaid as the postpaid information IF2 based on the account information IF6 regarding the user U when the user U issues the prepaid card C or at any time. It is composed. Here, the account information IF6 regarding the user U may be the information of the account owned by the individual user U, or may be the information of the corporate account of the office to which the user U belongs.

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

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

[Payment Department 332]
In the settlement unit 332, information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). In the settlement unit 332, when the value of the settlement information IF0 does not exceed the threshold value T (when approved by the usage approval unit 331), the value obtained by subtracting the value of the settlement information IF0 from the threshold value T is a new threshold value. At least one of the balance information IF1 and the postpaid information IF2 stored in the storage unit 32 is updated so as to be T. In particular, the payment is executed by performing the following processing.

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

In other words, the usage approval unit 331 is configured to be able to determine whether or not the value of the payment information IF0 exceeds the threshold value T when the communication unit 31 receives the payment information IF0, and the threshold value T is here. , The value of the balance information IF1 plus the value of the deferred payment information IF2, and the settlement unit 332 sets the value of the deferred payment information IF2 from the value of the settlement information IF0 when the value of the settlement information IF0 does not exceed the threshold value T. By subtracting the subtracted value from the value of the balance information IF1 and setting the value of the deferred payment information IF2 to 0, the balance information IF1 and the deferred payment information IF2 stored in the storage unit 32 are updated.

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

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

[Settlement amount confirmation unit 333]
In the settlement amount determination unit 333, information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). As described above, when the settlement is approved by the settlement unit 332, a part or all of the value (settlement amount) of the settlement information IF0 is replaced up to the value of the postpaid information IF2. The settlement amount determination unit 333 is configured to be able to generate postpaid settlement information IF4. Here, the postpaid settlement information IF4 is information indicating that in the settlement process of the settlement unit 332, the amount corresponding to the points redeemed by a person other than the user U or the amount is charged to the user after the fact. ..

Then, the settlement amount determination unit 333 causes the postpaid settlement information IF4 to be transmitted to an external server or terminal as needed via the communication unit 31. For example, considering a terminal (personal computer, tablet, smart phone, etc.) owned by the user U, the user U can receive the postpaid settlement information IF4 as an alert using e-mail by the terminal owned by the user U. Alternatively, the user U can browse the postpaid settlement information IF4 via a dedicated website or the like using his / her own terminal. In addition, by transmitting the postpaid settlement information IF4 to the third institution server 4, which will be described later, the account for user U belonging to the third institution or the account of points equivalent to legal tender (hereinafter referred to as an account, etc.) will be replaced. The amount equivalent to the points given may be transferred to the account.

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

<Communication unit 41>
Although wired communication means such as USB, IEEE1394, Thunderbolt, and wired LAN network communication are preferable, the communication unit 41 can perform wireless LAN network communication, mobile communication such as LTE / 3G, Bluetooth (registered trademark) communication, and the like as necessary. May be included. That is, it is more preferable to carry out as a set of these plurality of communication means. In particular, the communication unit 41 is configured to be able to transmit the office information IF5 and the account information IF6, which are necessary for determining the value of the postpaid information IF2 of the prepaid card C, to the information processing apparatus 3. Further, the communication unit 41 is configured to be able to receive the postpaid settlement information IF4 indicating the amount of money corresponding to the points redeemed within the predetermined period from the information processing apparatus 3.

<Memory unit 42>
The storage unit 42 stores various information defined by the description at the beginning of [Mode for carrying out the invention]. This is, for example, as a storage device such as a solid state drive (SSD), or a random access memory (Random Access Memory:) that stores temporarily necessary information (arguments, arrays, etc.) related to program operations. It can be implemented as a memory such as RAM). Further, these combinations may be used. In particular, the storage unit 42 stores a program or the like executed by the settlement processing unit 43, which will be described later.

<Settlement processing unit 43>
In the settlement processing unit 43, information processing by software (stored in the storage unit 42) is specifically realized by hardware (calculation unit (not shown). Here, the arithmetic unit (not shown) processes and controls the overall operation related to the third engine server, and may be in the third engine server 4 or may exist separately. The calculation unit (not shown) is, for example, a central processing unit (CPU) (not shown). The calculation unit (not shown) can realize the settlement processing function by reading a predetermined program stored in the storage unit 42. Specifically, the settlement processing unit 43 executes a process of subtracting an amount corresponding to points redeemed by a person other than the user from the account or the like related to the user U and adding the amount to the account or the like of the person other than the user. Possible to be configured.

2. 2. Payment method Section 2 describes a payment method using the prepaid card C managed by the system 1 described above. 5 to 7 show Examples 1 to 3 in such a case, respectively. In each figure, steps S01 to S03 show the flow until the value of the postpaid information IF2 in the prepaid card C is determined, and steps S11 to S13 show the approval / disapproval of payment using the prepaid card C and the balance information IF1. And the flow of updating the value of the postpaid information IF2 is shown, and in steps S21 to 23, the flow of settlement of the amount corresponding to the total of the points redeemed by a third party other than the user U for a predetermined period (for example, one month) is shown. Shows.

[Determining the amount that can be paid later]
(Step S01)
As shown in FIGS. 5 to 7, the calculation unit 33 (deferred payable amount determination unit 330) in the information processing apparatus 3 receives the work information IF5 or the account information IF6 (for example, the work place of the user U) from the third institution server 4. Acquire a corporate account) (following step S02).

(Step S02)
Subsequently, the calculation unit 33 (deferred payment possible amount determination unit 330) in the information processing apparatus 3 determines the value of the deferred payment information IF2 (the maximum amount that can be deferred) in the prepaid card C of the user U based on the work information IF5 or the account information IF6. ) Is determined. It should be noted that such a decision can be made at any time, and the amount can be changed not only when the prepaid card C itself is issued for the first time but also at the timing desired by the user U or the office of the user U (following step S03). ).

(Step S03)
Subsequently, the user U can browse the determined value of the postpaid information IF2 via his / her own terminal. Alternatively, the communication unit 31 in the information processing apparatus 3 may alert the postpaid information IF2 determined via e-mail or the like.

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

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

Regarding such approval, the balance information IF1 and the deferred payment information IF2 are stored as the same database in the storage unit 32 of the information processing apparatus 3, so that the management of the directly charged balance points and the management of the deferred payment points can be performed. Please note that it is centralized and the time required for approval is very short.

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

[Settlement of postpaid amount]
(Step S21)
When the settlement as in steps S11 to S13 is repeated and the predetermined period elapses, the total amount of points corresponding to the points transferred to a person other than the user U is settled. First, the calculation unit 33 (settlement amount determination unit 333) in the information processing apparatus 3 transmits the postpaid settlement information IF4 to the user U in order to notify the user U of the cumulative value of the points reimbursed in the current period. This may be voluntarily confirmed by the user U by browsing a predetermined website or the like.

(Step S22)
Similarly, the calculation unit 33 (settlement amount determination unit 333) in the information processing apparatus 3 transmits the postpaid settlement information IF4 to the third institution server 4 in order to notify the third institution of the cumulative value of the points repaid in the current term.

(Step S23)
Subsequently, the settlement processing unit 43 in the third institution server 4 subtracts the amount corresponding to the points redeemed by a person other than the user from the account or the like related to the user U, and adds the amount to the account or the like of the person other than the user. Execute the process to be performed. Note that the account transfer by a third party such as a bank is just an example of point settlement. For example, if the third party who is reimbursing points is the user U's office itself, it is in the form of user U's salary deduction. You may carry out the settlement at.

3. 3. Others The system 1 according to the present embodiment may be implemented in the following manners.

First, the office may limit the usage of the prepaid card C to the user U. Since the prepaid card C managed by the system 1 according to the present embodiment is assumed to be distributed to employees by the office, its use can be limited if it is used for expense settlement or the like.

A more specific flow is shown in FIG. Here, assuming that the payment information IF0 is information having the payment items of the user U, the storage unit 32 in the information processing apparatus 3 stores the payment rule information IF7 indicating the predetermined payment rules. Then, when the communication unit 31 receives the payment information IF0 when the user U executes the payment, the calculation unit 33 (use approval unit 331) receives the payment items included in the payment information IF0 and the payment stored in the storage unit 32. Compared with the rule information IF7, if the settlement rule information IF7 does not include the settlement item, the approval / disapproval information IF3 (an example of "rejection information" in the scope of the patent claim) related to the rejection is generated, and the communication unit. 31 transmits this to the payment terminal 2 (see step S12'in FIG. 8).

Secondly, the prepaid card C may be issued for each limited group such as a project, department, club activity, etc. carried out by the office. For example, by issuing a prepaid card C for each project and limiting the usage as described above, it is possible to easily sort out which project costs how much.

Thirdly, in the system 1 according to the present embodiment, the balance information IF1 is updated after the value of the postpaid information IF2 becomes 0, that is, the value of the postpaid information IF2 is preferentially updated. However, the value of the balance information IF1 may be updated preferentially. Specifically, the value of the balance information IF1 is preferentially subtracted, and the value of the postpaid information IF2 is updated only when the value of the balance information IF1 is less than 0 (when the charged points are insufficient). You may have a third party perform the replacement). In such a case, the usage approval unit 331 determines whether or not the value of the payment information IF0 exceeds the value of the balance information IF1, and if so, the postpaid value obtained by subtracting the value of the balance information IF1 from the value of the payment information IF0. By subtracting from the value of information IF2 and setting the value of balance information IF1 to 0, the balance information IF1 and postpaid information IF2 stored in the storage unit 32 are updated. The value of the information IF0 is subtracted to update the balance information IF1 stored in the storage unit 32.

4. Conclusion As described above, according to the present embodiment, it is possible to implement the information processing apparatus 3 capable of realizing a prepaid card C that is easy to use even for high-priced payment processing.

The information processing device 3 manages the use of the prepaid card C, includes a communication unit 31, a storage unit 32, and a calculation unit 33, and the communication unit 31 receives payment information IF0 from the payment terminal 2. Here, the payment information IF0 is information having an amount of money that the user U has used the prepaid card C in one payment, and the storage unit 32 stores the balance information IF1 and the postpaid information IF2. The balance information IF1 is information that is charged to the prepaid card C and has a balance of points equivalent to the legal currency, and the postpaid information IF2 is the user U. Information having a limit amount at which a person other than the user U can redeem the points in the payment, in the calculation unit 33, when the communication unit 31 receives the payment information IF0, the value of the payment information IF0 is changed. It is configured so that it can be determined whether or not the threshold value T is exceeded, and the threshold value T is a value obtained by adding the value of the postpaid information IF2 to the value of the balance information IF1 and the settlement information IF0. When the value does not exceed the threshold value T, the value stored in the storage unit 32 so that the value obtained by subtracting the value of the payment information IF0 from the threshold value T becomes the new threshold value T. It is configured to update at least one of the balance information IF1 and the postpaid information IF2, and is configured to update the balance information IF1 and the postpaid information IF2 stored in the storage unit 32, and the communication unit 31 is configured to update the balance information IF1 and the postpaid information IF2. Further, the postpaid settlement information IF4 is configured to be able to be transmitted to the outside, and the postpaid settlement information IF4 is used to subsequently charge the user U for an amount corresponding to the points reimbursed by a person other than the user U. It is information indicating that it is to be done.

In addition, it is possible to implement a system 1 that can realize a prepaid card C that is easy to use even for high-priced payment processing.

The system 1 manages the use of the prepaid card C, includes a payment terminal 2, an information processing device 3, and a third institution server 4, which are connected to each other so as to be communicable via a telecommunications line. The payment terminal 2 is configured to be able to transmit the payment information IF0 to the information processing device 3, and the payment information IF0 has an amount of money that the user U uses the prepaid card C in one payment. In the information, the information processing apparatus 3 is as described above, the third engine server 4 includes a storage unit 42 and a settlement processing unit 43, and the storage unit 42 of the third engine server 4 is a storage unit 42. The account information IF 6 is stored, and the account information IF 6 is information having an account balance related to the user U, and the settlement processing unit 43 is based on the postpaid settlement information IF 4 received from the information processing apparatus 3. Therefore, it is possible to execute a process of subtracting the amount of money corresponding to the points redeemed by a person other than the user U from the account related to the user U stored in the storage unit 42 or the account of the points equivalent to the statutory currency. To.

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

Such a program causes a computer (information processing device 3) to manage the use of the prepaid card C, causes the computer to execute a communication function, a storage function, and a calculation function, and according to the communication function, payment is made. The payment information IF0 is received from the terminal 2, and the payment information IF0 is information having the amount of money that the user U has used the prepaid card C in one payment. According to the storage function, the balance information IF1 And the postpaid information IF2 are associated with the user U and stored. Here, the balance information IF1 is information charged to the prepaid card C and having a balance of points conforming to the statutory currency, and the postpaid information IF2 Is information having a limit amount at which a person other than the user U can redeem the points in the payment of the user U, and according to the calculation function, the value of the payment information IF0 exceeds the threshold value T. Here, the threshold value T is a value obtained by adding the value of the postpaid information IF2 to the value of the balance information IF1, and the value of the settlement information IF0 exceeds the threshold value T. If not, at least one of the balance information IF1 and the deferred payment information IF2 is updated so that the value obtained by subtracting the value of the payment information IF0 from the threshold value T becomes the new threshold value T, and the communication is performed. According to the function, further, the postpaid settlement information IF4 is transmitted to the outside, and the postpaid settlement information IF4 is the amount corresponding to the points reimbursed by a person other than the user U. This is information indicating that the request will be made to.

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

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

Claims (7)

It is an information processing device that manages the use of cards used for payment.
It has a communication unit, a storage unit, and a calculation unit.
The communication unit is configured to be able to receive payment information from a payment terminal, and the payment information is information having an amount of money that the user has used the card in one payment.
The storage unit associates balance information with postpaid information and centrally manages them.
The balance information is information having a prepaid balance, which is the balance of points charged to the card and equivalent to legal tender.
The postpaid information is information having a remaining limit that can be updated based on the settlement of the amount shown in the settlement information.
The arithmetic unit
When the communication unit receives the payment information, it is shown in the payment information by updating so as to subtract at least one of the balance information stored in the storage unit and the remaining limit amount shown in the deferred payment information. It is configured to settle the amount and
Regarding the settlement of the amount shown in the payment information, it is configured to preferentially subtract the remaining limit amount from the balance information and the remaining limit amount .
When the amount shown in the payment information exceeds the value of the remaining limit amount of the postpaid information, the calculation unit derives a value obtained by subtracting the value of the remaining limit amount from the amount shown in the payment information. An information processing device that subtracts a derived value from the value of the balance information . The calculation unit preferentially subtracts the remaining limit amount.
For the settlement of the amount shown in the settlement information, the value of the remaining limit is subtracted from the value of the balance information and the value of the remaining limit until the value of the remaining limit of the postpaid information becomes 0. The information processing apparatus according to claim 1. The calculation unit determines whether or not the amount shown in the payment information exceeds the threshold value, where the threshold value is the value of the balance information plus the value of the remaining limit amount. can be,
If the amount shown in the payment information exceeds the threshold value, the payment of the amount shown in the payment information is rejected.
When the amount shown in the payment information exceeds the threshold value, the value of the balance information and the value of the balance information so that the value obtained by subtracting the amount shown in the payment information from the threshold value becomes the new threshold value. The information processing apparatus according to claim 1 , wherein at least one of the remaining limit values is updated. The card is issued for each group at the user's office.
The information processing apparatus according to any one of claims 1 to 3 , wherein the storage unit manages the usage status of payment by the card for each group by issuing the card for each group. The payment information is information that further has payment items of the user.
The storage unit stores predetermined settlement rule information and stores it.
When the communication unit receives the payment information, the calculation unit compares the payment items included in the payment information with the payment rule information stored in the storage unit, and makes the payment in the payment rule information. If the item is not included, the rejection information can be generated, and the rejection information is information indicating that the payment related to the payment item cannot be executed using the card.
The communication unit is configured to be able to transmit the rejection information to the payment terminal.
The information processing apparatus according to any one of claims 1 to 4 . It is a method in which an information processing device manages the use of a card used for payment.
The information processing device is
It has a communication unit, a storage unit, and a calculation unit.
The communication unit is configured to be able to receive payment information from a payment terminal, and the payment information is information having an amount of money that the user has used the card in one payment.
The storage unit associates balance information with postpaid information and centrally manages them.
The balance information is information having a prepaid balance, which is the balance of points charged to the card and equivalent to legal tender.
The postpaid information is information having a remaining limit that can be updated based on the settlement of the amount shown in the settlement information.
The method is
The arithmetic unit
When the communication unit receives the payment information, it is shown in the payment information by updating so as to subtract at least one of the balance information stored in the storage unit and the remaining limit amount shown in the postpaid information. Including performing the steps to settle the amount
In the step of making the settlement, with respect to the settlement of the amount shown in the settlement information, the remaining limit amount is preferentially subtracted from the balance information and the remaining limit amount.
When the amount shown in the payment information exceeds the value of the remaining limit amount of the deferred payment information, a value obtained by subtracting the value of the remaining limit amount from the amount shown in the payment information is derived, and the derived value is used. A method of subtracting from the value of the balance information . A program that lets a computer manage the use of cards used for payments.
Let the computer execute the communication function, the storage function, and the calculation function.
According to the communication function, payment information is received from a payment terminal, and the payment information is information having an amount of money used by the user in one payment.
According to the memory function, the balance information and the deferred payment information are associated and centrally managed, and here,
The balance information is information having a prepaid balance, which is the balance of points charged to the card and equivalent to legal tender.
The postpaid information is information having a remaining limit that can be updated based on the settlement of the amount shown in the settlement information.
According to the calculation function,
When the payment information is received by the communication function, it is shown in the payment information by updating so as to subtract at least one of the remaining limit amount shown in the balance information and the postpaid information managed by the storage function. Settle the amount of money
Regarding the settlement of the amount shown in the payment information, the remaining limit amount is preferentially subtracted from the balance information and the remaining limit amount.
When the amount shown in the payment information exceeds the value of the remaining limit amount of the deferred payment information, a value obtained by subtracting the value of the remaining limit amount from the amount shown in the payment information is derived, and the derived value is used. A program that subtracts from the value of the balance information .

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