WO2019230986A1

WO2019230986A1 - Settlement information management system, settlement information management program, and settlement information management method

Info

Publication number: WO2019230986A1
Application number: PCT/JP2019/021935
Authority: WO
Inventors: 朋広仲嶺
Original assignee: NAKAMINE Tomohiro
Priority date: 2018-06-01
Filing date: 2019-06-03
Publication date: 2019-12-05
Also published as: JPWO2019230986A1

Abstract

[Problem] To improve convenience of credit cards and point cards. [Solution] A system for managing, via a communication network 4, settlement information relating to a user and points assigned to the user is provided with: a management database 51 which is installed on the communication network 4, and which accumulates, in association with one another, a user identifier uniquely identifying the user, the settlement information relating to the user and a reception server 5a assigned to the user; and an application executing unit 113 for displaying on a user terminal 11 used by a customer Ua, Ub, or for outputting from the user terminal 11, the settlement information relating to the customer Ua, Ub.

Description

Settlement information management system, settlement information management program, and settlement information management method

The present invention relates to a payment information management system, a payment information management program, and a payment information management method for managing user payment information and points given to the user through a communication network.

Conventionally, payment services using credit cards and debit cards (cash cards with payment functions) have become widespread, and point cards for paper media, magnetic cards, IC cards, etc. at convenience stores, shops, shopping malls, etc. The point service used as is being implemented.

Credit cards are used for payment procedures for stores and services that are affiliated with the payment service, and users can use their own cards at the stores when paying for shopping and services. If there is a plurality of credit cards, it is necessary to select and use a card corresponding to the type to which the store is a member.

On the other hand, in the point service, when a consumer shop or receives a service, the points issued according to the amount are accumulated in the point card that each person possesses, and when a certain point is accumulated, it can be exchanged for a prize, Alternatively, services such as so-called cash back can be exchanged and used for a part of the price, thereby improving the ability to attract customers and the repeat rate.

JP 2001-169357 A

By the way, in the conventional credit card settlement service and point service system as described above, there is a problem that the number of credit cards and point cards increases from the user's side, which makes management and mobile phone inconvenient.

Also, with the point service, even if you have a point card, you may not be able to collect enough points, or you may be left with a halfway amount of points after shopping for points. It is also true that there are many voices that it is difficult to handle cards that are left with an odd number of points are not thrown away, and it is somewhat troublesome to carry, such a problem There is a growing demand for services that can solve this problem.

Therefore, the present invention has been made in view of the above points, and provides a settlement information management system, a settlement information management program, and a settlement information management method capable of providing a service capable of improving the convenience of a credit card or a point card. The task is to do.

In order to solve the above problems, the present invention is a system for managing payment information of a user and point information related to points given to the user through a communication network,
A management database that is installed on the communication network and uniquely stores the user identifier that uniquely identifies the user, the payment information and the point information of the user, and
An application execution unit that displays payment information or point information of the user on the portable information processing terminal used by the user, or outputs the information from the portable information processing terminal;
An execution processing unit that acquires payment information or point information displayed or output on the application execution unit based on a user operation, and executes the execution of a payment service or a point use procedure using the acquired payment information or point information; It is characterized by providing.

Another invention is a method for managing payment information of a user and point information related to points given to the user through a communication network,
Storing in a management database installed on the communication network in association with a user identifier that uniquely identifies the user, payment information of the user and points given to the user;
On the portable information processing terminal used by the user, an application execution unit displays the user's payment information or outputs from the portable information processing terminal;
The payment processing or point information displayed or output in the application execution unit is acquired based on a user operation, and the execution processing unit executes the execution of the payment service or the point use procedure using the acquired payment information or point information. And the step of performing.

In the above invention, the payment information includes information related to a payment card as a payment means, and the point information includes information related to a point card as a point use means,
In the management database, location information and a payment card or point card to be used according to the location, or a combination of these cards are stored in association with each other,
The application execution unit selects and displays or outputs a payment card or a point card associated with the position or a combination of these cards according to the current position of the information processing terminal,
The execution processing unit uses the payment information or point information acquired based on the payment card or point card selected by the user operation or a combination of these cards, and the selected payment card or point card or these cards. It is preferable to execute the settlement service execution or the point use procedure for all the combinations.

In the above invention, a point pool unit that is installed on the communication network and receives and accumulates arbitrary points from the portable information processing terminal based on the operation of the user;
Point payout means for paying out points accumulated in the point pool means based on the user's operation through the portable information processing terminal;
It is preferable to further include a payout determination unit that determines a point payout condition by the point payout unit and executes point payout according to the determination result.

In the above invention, it is preferable that the determination unit further includes a function of determining the payout condition by voting required for a large number of portable information processing terminals.
In the above invention, it is preferable that the information processing terminal further includes authentication means for inputting the user identifier based on the biological characteristics of the user.
In the above invention, it is preferable that the information processing terminal further includes a communication interface that transmits payment information relating to payment or use of points to the reader means provided at the payee by non-contact communication.

The system and method according to the present invention described above can be realized by executing the program of the present invention described in a predetermined language on a computer. That is, the program of the present invention is installed in a mobile terminal device, a smart phone, a wearable terminal, a mobile PC or other information processing terminal, an IC chip or a memory device of a general-purpose computer such as a personal computer or a server computer, and executed on the CPU. Thus, the system according to the present invention can be implemented by constructing a system having the functions described above.

Further, the program of the present invention can be distributed, for example, through a communication line, and can be transferred as a package application that operates on a stand-alone computer by being recorded on a computer-readable recording medium. Can do. Specifically, the recording medium can be recorded on various recording media such as a magnetic recording medium such as a flexible disk and a cassette tape, an optical disk such as a CD-ROM and a DVD-ROM, and a RAM card. According to the computer-readable recording medium on which the program is recorded, the above-described system and method can be easily implemented using a general-purpose computer or a dedicated computer, and the program can be stored, transported, and Easy installation.

That is, in the payment information management system, the information processing terminal is used as an application execution unit that displays the payment information of the user on the portable information processing terminal used by the user or outputs the payment information from the portable information processing terminal. Make it work.

As described above, according to the present invention, a payment operation can be executed with a virtual credit card or a point card by an application installed on a user terminal such as a smartphone. Will not be inconvenient to manage and carry, and depending on the current location, select and display cards that are likely to be used in that store area, making it easy to manage and use cards It will be something.

In addition, according to the present invention, by using pool points, it is possible to donate the remaining points halfway, or to compensate for the short amount of shortage points, so the amount of halfway points is While unnecessary points remaining at hand can be used effectively, the payment procedure can be smoothly performed by avoiding re-execution of the payment operation due to the shortage.

It is explanatory drawing which shows the whole structure of the payment information management system which concerns on embodiment. It is a conceptual diagram which shows the outline | summary of the payment information management service which concerns on embodiment. It is a block diagram which shows the structural example of the server group which concerns on embodiment. It is a block diagram which shows the leader means which comprises the payment information management system which concerns on embodiment, and the internal structure of a shop terminal device. It is a block diagram which shows the internal structure of the user terminal device which comprises the payment information management system which concerns on embodiment. It is a block diagram which shows the internal structure of the payment and point utilization management server which comprises the payment information management system which concerns on embodiment. It is a flowchart figure which shows operation | movement of the payment information management system which concerns on embodiment. It is a sequence diagram which shows the procedure at the time of using the pool point in the payment information management system which concerns on embodiment.

(Configuration of payment information management system)
Embodiments of a payment information management system according to the present invention will be described below in detail with reference to the accompanying drawings. FIG. 1 is an explanatory diagram showing the overall configuration of the payment information management system according to the present embodiment, and FIG. 2 is a conceptual diagram showing an outline of the payment information management service. The embodiment described below exemplifies an apparatus or the like for embodying the technical idea of the present invention, and the technical idea of the present invention is the material, shape, structure, The layout is not specified as follows. The technical idea of the present invention can be variously modified within the scope of the claims.

The payment information management system according to the present embodiment is a system for managing user payment information and point information through a communication network. As shown in FIGS. 1 and 2, data communication is performed through a communication network 4 including wireless communication. The

user terminals

11a and 11b that perform the above are used as a credit card or a point card to enable settlement and use of point services in the store area 20 such as the store 2. Specifically, in the settlement information management system in the present embodiment, the user terminal 11 (11a) capable of wireless communication on the communication network 4 through the management server group 5, the relay base station 3, and the wireless base station 31 or the communication satellite 32. 11b) and a store terminal device 22 installed in the store.

In the payment information management system according to the present embodiment, points given to the users (users) Ua and Ub are also managed through the application 10 executed on the

user terminals

11a and 11b. The store terminal device 22 installed in the store 2 and the various management databases 51 installed on the communication network 4 for managing users, stores, and cards are connected to each other via the communication network 4.

The users Ua and Ub can use the user terminal 11 operated through the application 10 to pay for the purchase of goods and the provision of services at the store 2 and the like and to use the point service. The application 10 virtually stores various cards such as a credit card, a cash card, and a point card, reads various card functions as necessary on the application, and can use various card services. The card service provided by the application 10 includes a card key, a commuter pass, an identification card, etc., in addition to the functions of a bank cash card, credit card, point card, etc. The function of can also be used.

Then, the users Ua and Ub can freely select one or a plurality of cards from a plurality of cards virtually stored in the application through the application 10, and a settlement service related to the selected card or the like. Alternatively, a point service can be used.

In particular, the application 10 according to the present embodiment includes a plurality of types of credit cards and point cards, and the application execution unit 113 serving as a payment information acquisition unit uses credits that are payment information according to the current position of the user terminal 11. Card information (card number, owner name, expiration date, etc.) or point card information (card number, owner name, expiration date, number of possessed points, etc.) that is point information is selected and displayed or output.

Further, in this embodiment, for each group configured by specific users, a virtual point saving pool PV is set on the management server group 5, and points (pool points PP) are assigned to the point saving pool PV. You can donate and collaborate to save pool points PP and get a small payout when needed. In other words, by donating the remaining points halfway to the point saving pool PV, it is possible to compensate the point saving pool PV with a small amount of shortage at the time of shopping under certain conditions.

A card reader 21 that reads a card manufacturing number transmitted from the user terminal 11 by non-contact communication or the like is connected to the store terminal device 22 installed at the payee, and the store terminal device 22 is connected to the user terminal 11 or the like. Functions as a point control means for providing credit card settlement procedures and point services.

In addition, the store terminal device 22 is provided with a communication interface, and can be connected to the communication network 4 through a wireless base station such as WiFi, and can be connected to each management server group 5. And through this communication interface, the shop terminal device 22 fulfills a function of establishing traffic for executing a settlement procedure or a point use procedure to the management server group 5 that manages credit cards, cash cards, and point cards. . This traffic includes a message describing this procedure information, authenticates the store or user involved in the procedure, sends a payment cancellation request if fraud is detected, and if it is valid, payment information necessary for the procedure The management server group 5 executes settlement information / point information storage management processing. In the present embodiment, a card reader 21 is connected to the store terminal device 22.

The user terminal 11 is a portable information processing terminal used by the user U (Ua, Ub). In this embodiment, a smartphone having a communication function using wireless communication, a function for executing an application, or the like is used. It is possible to communicate wirelessly with a relay point such as a general wireless base station 31 and receive communication services such as calls and data communication while moving. Examples of the mobile phone communication system include 3G, 4G, FDMA system, TDMA system, CDMA system, and W-CDMA. In addition, as a wireless communication interface different from the communication method described above, a function corresponding to a communication method based on transmission / reception of IP packets in accordance with wireless LAN standards and the like is also provided. Further, the user terminal 11 is equipped with functions such as a digital camera function, an application software execution function, or a GPS function, and also functions as a portable information terminal. The portable information processing terminal can be realized by a general-purpose computer such as a personal computer or a dedicated device specialized in function, in addition to a smartphone, such as a tablet PC, a mobile computer, or a PDA (Personal Digital). Assistance) and mobile phones.

An application executed on the user terminal 11 is managed by the management server group 5 remotely by receiving setting information and control notification from the management server group 5 and is operated on the user terminal 11. Event generation such as processing and point use processing is monitored, and when event processing occurs when a predetermined device operation or condition is satisfied, application operation and device operation are executed and transmitted in cooperation with the management server group 5.

On the other hand, the radio base station 31 shown in FIG. 1 is connected to the communication network 4 through the relay base station 3, establishes a radio communication connection with the user terminal 11, and provides a telephone call and data communication by the user terminal 11. It is. The radio base station 31 in the present embodiment functions as a location information acquisition unit that manages in which cell each mobile terminal is located on the communication network 4. Specifically, the location of the user terminal 11 is specified based on the location registration request transmitted from the user terminal 11. This location registration request is transmitted from the user terminal 11 to a radio base station that manages a cell that is newly located when the cell that is located is switched due to a user's movement or the like. Based on the base station identification information assigned to the femtocell base station together with the registration request, the position of the user terminal 11 can be grasped.

Furthermore, the position information acquisition unit can be a transmitter that transmits a signal called a beacon to notify the position, and the transmitter uses, for example, Bluetooth or BLE (Bluetooth Low Energy) and a radius. It is a small device that transmits every few seconds within a range of several tens of meters, and transmits a packet including ID information that is arranged in a store and identifies a transmitting side (store side) terminal or a receiving side (user side) terminal. Thus, communication can be established only with a specific smartphone. In such a location information acquisition unit, the transmission side (the store side) acquires location information from each other with the user terminal having Bluetooth turned on in conjunction with a corresponding application on the user side.

The communication network 4 includes a wireless communication network, and various communication lines (telephone lines, ISDN lines, ADSL lines, public lines such as optical lines, dedicated lines, 3G, 4G, etc.) using the communication protocol TCP / IP. The communication network 4 includes a LAN such as a WiFi, an intranet (in-company network), a home network, or the like.

The management server group 5 is arranged on the communication network 4 and remotely controls the user terminal 11 such as application management, device management, user management, operation status management, monitoring / control management, setting management, remote management, and data collection management. An application server that manages and controls. With these management functions, the management server group 5 distributes a payment application to the user terminal 11 serving as a credit card or a point card, sets application of the payment application, and provides a control notification in remote management. Data is collected from the user terminal 11.

In addition, this management server group 5 is a server device operated by the service provider, such as collecting user usage status at each store, analyzing big data as a result of the marketing, and conducting marketing, etc., for payment management work. It is. In the present embodiment, the management server group 5 registers user identification information and personal information in advance, and executes each process based on each information transmitted from the user terminal 11.

The management database 51 is a management database group that stores a user identifier that uniquely identifies each user in association with the payment information of the user and points assigned to the user. In the present embodiment, the management database 51 is configured as a relational database in which each data is linked by dividing the plurality of databases 51a to 51c and setting relations with each other. The management server group 5 is a server group that manages reading and writing of data with respect to the management database 51, and is connected to the store terminal device 22 via a communication network such as a dedicated line or the Internet. Then, based on the identification number that identifies the card (credit card, cash card, point card, etc.) related to the service when the management server group 5, credit card settlement or points are issued or consumed , Update payment information and point information about users.

(Internal structure of each device)
(1) User Terminal The user terminal 11 is a portable information processing terminal used by a user, and includes an input interface 111 and an output interface 112 as user interface modules as shown in FIG. The input interface 111 is a device for inputting a user operation such as an operation button or a touch panel. In this embodiment, the input interface 111 also has a function of acquiring information input from the output interface 112 of the card reader 21 serving as a reading device. The output interface 112 is a device that outputs video and sound, such as a display and a speaker. In particular, the output interface 112 includes a display unit 112a such as a liquid crystal display, and a GUI (Graphical User Interface) constructed by an application is displayed on the display unit 112a.

In addition, the user terminal 11 includes a position information acquisition unit 116. The position information acquisition unit 116 is a module that measures the current position of the own device. For example, the position information acquisition unit 116 calculates the coordinates of the current position based on the GPS signal from the communication satellite 32 or the communication partner established by the communication interface 114. From the base station identifier of a certain base station and the radio wave condition such as the signal strength from the base station, the user terminal 11 itself can acquire its own location information.

Furthermore, the user terminal 11 includes a communication interface 114 as a communication module. The communication interface 114 has a wireless communication function based on a mobile communication protocol for performing a call or data communication, and a wireless communication function based on a data communication protocol such as a wireless LAN. This wireless interface can be realized by a wireless LAN adapter or the like in a mobile computer or the like. In the present embodiment, the same identifier is set in both the wireless base station 31 as an access point and the user terminal 11 as a client.

Through this identifier, the wireless base station 31 detects a user terminal existing in the wireless communication range of the own device, automatically sets a link, forms a wireless LAN hot spot, and can perform data communication. Become. The communication interface 114 is a module for the connection processing unit to connect to the wireless base station 31 via wireless communication, and an identifier (telephone number, IP address, user ID) for identifying the own device is provided. Authentication is performed by transmitting to the wireless base station 31 to be connected. The communication interface 114 monitors the radio signal and identifies the radio base station 31 in order to form a link for transmitting and receiving data when performing a wireless LAN connection with the radio base station 31. The identifier to be detected may be detected.

Further, the communication interface 114 of the user terminal 11 includes a non-contact communication function for performing non-contact communication. As this non-contact communication, a power source such as a battery is built in and an information signal is actively transmitted from the RF tag, and an electromagnetic wave is output from the antenna on the receiving unit side, and is induced according to the output of the electromagnetic wave. There is an electromagnetic wave induction method in which an information signal is transmitted by an electric current.

Furthermore, the user terminal 11 includes a control unit 510 and a storage unit 115 as application execution modules. The application execution unit 113 is an arithmetic processing unit such as a CPU, and by executing various programs on the application execution unit 113, each functional module is virtually constructed on the CPU.

(2) Store device and reader means As shown in FIG. 4, in the present embodiment, a card reader 21 is connected to the store terminal device 22 as a reader means. The card reader 21 is a reading device provided in a store or the like that is a payee, and receives payment information from the user terminal 11. The card reader 21 is a device connected to the store terminal device 22 by wire or wirelessly, and includes an identification information acquisition unit 211 and an output interface 212.

The identification information acquisition unit 211 is a module that reads and acquires payment information including identification information such as a user identifier and card information by non-contact communication with the user terminal 11, and stores the acquired payment information in the store terminal device. To 22. The output interface 212 is a module that outputs the acquired identification information to the store terminal device 22. In the present embodiment, as a method of connecting the card reader 21 and the store terminal device 22 through the output interface 212, for example, connection via a USB cable or wireless communication such as Bluetooth may be used. Moreover, it is good also as a form which made the reading function into a chip and built this chip in the store terminal device 22 directly as the card reader 21.

In the present embodiment, a card reader that transmits and receives data by non-contact communication is used as the reader means. However, the present invention is not limited to this. For example, information to be transferred is a barcode, a two-dimensional barcode, or the like. The information may be encoded and displayed on a display on the user terminal 11 side, and the displayed code may be read with a barcode reader or camera as an identification information acquisition unit and analyzed to acquire information.

The store terminal device 22 is a general point-of-sale information management device such as a POS cash register, and inputs the amount of purchased products / services at the time of settlement, that is, at the time when sales are generated, when accounting for goods and services. It is acquired by reading with a bar code scan or the like, executes a payment process, and records various information including the payment result. In the present embodiment, the point-of-sale information management device such as a POS cash register is used as the store terminal device 22, but the present invention is not limited to this, and a general-purpose computer, tablet PC, smartphone It is also possible to configure the information processing terminal device in which the function of the point-of-sale information management device is installed by installing the settlement information management program of the present invention. In addition to cash settlement, the store terminal device 22 is also capable of handling cashless settlement such as credit cards and electronic money. In cashless settlement, the settlement fee entered on the store terminal device 22 side, etc. And the payment information (settlement information / point information) acquired by the credit / electronic money settlement function of the card reader 21 or the like, and the store terminal device 22 performs settlement without performing duplicate input operations. Processing / point processing can be completed.

Specifically, as shown in FIG. 4, the store terminal device 22 includes an input interface 111 and an output interface 112 as user interface modules. The input interface 111 is a device that acquires a user operation by a store clerk such as an input operation using an input device such as an operation button, a touch panel, or a barcode scanner. In the present embodiment, the input interface 111 is input from the output interface 212 of the card reader 21. It also has a function to acquire information. The output interface 112 is a device that outputs video and sound, such as a display and a speaker. In particular, the output interface 212 includes a display unit 222a such as a liquid crystal display, and a GUI (Graphical User Interface) constructed by the application and the UI control unit 225d is displayed on the display unit 222a.

Furthermore, the store terminal device 22 includes a position information acquisition function 223. The position information acquisition function 223 is a module that measures the current position of the own device. For example, the position information acquisition function 223 calculates the coordinates of the current position based on the GPS signal from the communication satellite 32 or the communication partner established by the connection processing unit 227. From the base station identifier of the radio base station 31 and the radio wave status such as the signal intensity from the radio base station 31, the shop terminal device 22 itself can acquire the position information of the own device. For example, if the terminal device is fixedly installed and location information such as store coordinates is associated with a terminal identifier that identifies the terminal device and registered in advance, the terminal identifier or the like is used as the location information. It is possible to operate instead of this, and the position information acquisition function provided in the store terminal device 22 can be omitted.

Further, the shop terminal device 22 includes a communication interface 226 and a connection processing unit 227 as communication modules. The communication interface 226 has a wireless communication function based on a mobile communication protocol for performing a call or data communication and a wireless communication function based on a data communication protocol such as a wireless LAN. This wireless interface can be realized by a wireless LAN adapter, a SIM card, or the like in a mobile computer or a smartphone. Further, for example, for the access point installed in the store 2 and the user terminal 11 that is a client, the wireless base station 31 detects the user terminal 11 that is present in the wireless communication range of the specific store terminal device 22. A link may be automatically set, a hot spot of a wireless LAN may be formed, and data communication within the hot spot may be performed.

The connection processing unit 227 is a module for connecting to the wireless base station 31 via wireless communication, and an identifier (telephone number, IP address, user ID) for specifying the own device is a wireless base to be connected. The data is transmitted to the station 31 to perform authentication processing. In addition, the connection processing unit 227 monitors a wireless signal and forms the wireless base station 31 in order to form a link for transmitting and receiving data when performing wireless LAN connection with the wireless base station 31. An identifier to be identified may be detected.

Furthermore, the store terminal device 22 includes a control unit 225 and a memory 224 as application execution modules. The control unit 225 is an arithmetic processing unit such as a CPU, and each function module is virtually constructed by executing various programs on the control unit 225. In the control unit 225, an execution processing unit 225c, an execution condition determination unit 225a, and a settlement information notification unit 225b are constructed as application execution modules.

The execution processing unit 225c acquires payment information or point information including the card information selected on the user terminal 11 side as payment information based on a user operation or automatically, and uses the acquired payment information or point information. This is a module for executing a settlement service or a point use procedure. For example, the execution processing unit 225c executes control related to the point-of-sale information management, and in the accounting process of the price for the product or service, the amount of the purchased product / use service at the time of settlement, that is, at the time when the sales are generated, Acquired by scanning or the like, executes a settlement process, and records various information including the settlement result.

In the cashless settlement, the execution processing unit 225c receives information such as the settlement price input on the store terminal device 22 side, and payment information (settlement information / point information) acquired by the credit / electronic money settlement function of the card reader 21 or the like. ) To complete settlement processing and point processing related to payment for the accounting process. In this embodiment, the execution processing unit 225c is arranged on the store terminal device 22 side. However, the execution processing unit 225c is arranged on the user terminal 11 or the management server group 5 side. The point use procedure may be executed, and the execution result may be notified to the store terminal device 22.

The execution processing unit 225c also has a function of executing processing related to payment / point use management and constructing a user interface that accepts card payment and point use operations by the user. For example, a UI control unit 225d is constructed in the execution processing unit 225c, and the UI control unit 225d is configured to display, for example, the payment information acquired by the identification information acquisition unit 211 on the display unit 222a, the current time, and the settlement procedure. A GUI such as an execution button is also displayed. This GUI is an interface for employees of the store 2 to input operations such as reading and executing various cards at the time of settlement / use of points. The input operation can be performed by an input by a barcode reader or a touch operation by a touch panel. It can be carried out.

Furthermore, when there are a plurality of cards associated with the store and the user desires to use the payment card and the point card at the same time, the user terminal 11 selects a plurality of cards to be used simultaneously, When a combination of cards to be used at the same time is associated in advance, a plurality of the combined cards are automatically selected, and the execution processing unit 225c executes the payment service using the selected credit card or point card. More specifically, payment information or point information based on a payment card or a point card or a combination of these cards displayed based on a user operation or automatically selected by the application execution unit 113 is stored on the store terminal device 22 side. The execution processing unit 225c executes the payment service or the point use procedure for all of the selected payment card or point card or a combination of these cards acquired as payment information by the execution processing unit 225c.

The payment information notification unit 225b is a module for notifying the management server group 5 of information related to an operation as payment information when a user operation by an employee is input for a payment process with the user terminal 11. . As a notification method, for example, packet communication using a predetermined protocol, sending an e-mail describing a predetermined character string, accessing a predetermined URL, and transmitting / receiving predetermined information data using a protocol such as HTTP It is possible to do. This payment / point usage status notification includes an identifier (telephone number, terminal ID) for identifying the user terminal 11, and can automatically perform authentication processing. The situation and the mobile terminal can be associated and stored in the management server group 5.

The execution condition determination unit 225a determines whether or not a condition (execution condition) related to execution of card payment or point use is satisfied in cooperation with the management server group 5, and the execution processing unit 225c in each mobile terminal This module regulates the execution of point usage. The conditions determined through the execution condition determination unit 225a include whether or not user authentication is possible, card validity, whether or not pool points can be used, and location information.

As the position information, the current position acquired by the position information acquisition function 223 may be used, and a base station identifier or radio wave status that identifies the wireless base station 31 that is the counterpart of the wireless communication established by the connection processing unit 227. (Signal strength or the like). The base station identifier includes a so-called scrambling code unique to the base station in order to specify a communication frequency with the base station, a cell managed by the base station, a spreading code related to the established communication connection, and the like. Can also be used. Then, the execution condition determination unit 225a determines that the use condition is satisfied when the current position of the user terminal 11 is within a predetermined area of a certain store as position information, and selects a card suitable for the store. And display it as usable.

(3) Management server group 5
The management server group 5 can be configured as shown in FIG. 3, for example. Specifically, as shown in the figure, it comprises a reception server 5a, a transaction history monitoring server 5b, a validity confirmation server 5c, a settlement / point database server 5d, and a transaction notification server 5e. The reception server 5a is a server that receives a payment execution message M1 that is payment-related information and point usage-related information from the store 2, and stores a transaction history in the store 2 specified by the payment execution message M1 as a transaction history monitoring server 5b. Update at. The validity checking server 5c compares the transaction history with the store contract conditions stored in the store / map database 51b, and checks the user information included in the settlement execution message M1 in the user database 51a to authenticate the store and the user. I do. When the store and user authentication is properly performed, the settlement / point database server 5d reflects the credit settlement and the points used (rewarded points or redeemed points) in the settlement / point database 51c, and the transaction notification. The server 5e notifies the store 2 and the users Ua, Ub, etc. by the transaction notification mail M2 of the settlement processing completed and information on the used points (the number of points granted or redeemed this time, the point balance, etc.).

Specifically, as shown in FIG. 6, the management server group 5 includes a communication unit 502, a connection processing unit 501, and an information notification unit 503 as communication modules, and is controlled as a user management module. Part 510 is provided. The control unit 510 is connected to a management database 51 that records various data and a time measuring unit 504 that acquires the current time. Note that FIG. 6 illustrates an example in which these modules are integrated into a single server device, but each module can be distributed to each of the servers 5a to 5e.

The communication unit 502 is a communication device that transmits and receives various data to and from the communication network 4 by transmitting and receiving packet data. In the present embodiment, the communication unit 502 has a Web server function for distributing a Web page over the Internet and an e-mail receiving function, and access to the Web site from the user terminal 11 using a protocol such as HTTP or SMTP. In addition, it is possible to transmit / receive electronic mail to / from a mobile terminal and acquire a payment status notification through these protocols. The connection processing unit 501 is a module that establishes wireless communication between the wireless base station 31 and the user terminal 11 located in a predetermined area under the control of the wireless base station 31. The communication unit 502 performs a function of receiving a payment execution message M1 that is payment-related and point usage-related information from the store 2, and the function of receiving the payment execution message M1 is the example shown in FIG. In this case, the reception servers 5a are distributed.

The management database 51 is a management database group that stores a user identifier that uniquely identifies each user, the payment information of the user, and points assigned to the user in association with each other. A user database 51a that holds information about the location, a map DB 51b that holds location information of a place where payment is made, such as a store, and a settlement / point database 51c that holds information about payment or points. Each of these databases 51a to 51c constitutes a relational database in which the respective data are linked by setting a relation with each other.

The user database 51a is a storage device that stores authentication information such as IDs and passwords, personal information such as user names, addresses, mobile phone numbers, and mail addresses in association with user identification numbers. In particular, in this embodiment, the user database 51a stores the identifier of the user terminal 11 owned by the user in association with the user identification information. In particular, in the user database 51a, information such as the number of points currently held by the user and information related to pool points donated or used so far are also recorded.

The map DB 51b is a database device in which map information describing the range of stores that permit card payment and point use is stored. Information about each store and the type and identifier of the card used at the store are also recorded in association with the map information. Moreover, in this embodiment, in map DB51b, the positional information on the store etc. which change for every period is updated at any time.

The settlement / point database 51c is a database device that stores information such as credit cards and point cards that can be used in each store, pool points pooled for each group, and the like. Specifically, the settlement / point database 51c records the settlement / point information acquired by the settlement management unit 512 in association with the user registration information. In particular, the settlement / point database 51c functions as the center of a management database that stores a user identifier that uniquely identifies a user and the settlement information and point information of the user in association with each other. Further, in the present embodiment, the payment information includes information related to a payment card as a payment means, and the point information includes information related to a point card as a point use means, and is stored in the payment / point database 51c. Is stored in association with the position information and the payment card or point card used in accordance with the position, or a combination of these cards.

The timekeeping unit 504 is a module that obtains the current time at any time. In the present embodiment, the time of authentication processing executed by the authentication processing unit 513, the payment time calculated by the payment management unit 512, and the point use time Is acquired as settlement / point information, and the acquired current time is transmitted to the control unit 510.

The control unit 510 is an arithmetic module configured by a processor such as a CPU or DSP (Digital Signal Processor), memory, hardware such as other electronic circuits, software such as a program having the function, or a combination thereof. In addition, various function modules are virtually constructed by appropriately reading and executing a program, and various processes for operation control of each unit and user operations are performed by the constructed function modules. In the present embodiment, the control unit 510 includes a user registration unit 511, an authentication processing unit 513, and a payment management unit 512.

The authentication processing unit 513 compares the transaction history in the store 2 specified by the settlement execution message M1 with the store contract conditions stored in the store / map database 51b, and uses the user information included in the settlement execution message M1 as the user. This is a module for collating in the database 51a and authenticating a store and a user. Specifically, the authentication processing unit 513 is a computer that verifies the legitimacy of an accessor or software having a function thereof, and stores information and user identification information (ID and password, biometric authentication information, etc. authentication through the settlement execution message M1). Information is included), and the store / map database 51b is collated to identify the store 2 and update the transaction history in the store 2 in the transaction history monitoring server 5b, and collate the user database 51a. , Whether or not the accessor has the right and whether or not the accessor is the person himself / herself is confirmed. And the authentication process part 513 transmits the authentication result information regarding a shop and a user to the payment and point management part 512a. In the example shown in FIG. 3, the authentication processing unit 513 is distributed in the transaction history monitoring server 5b and the validity checking server 5c.

In addition, the authentication processing unit 513 has a function of executing identity verification processing when authenticating a user. For example, it is possible to execute identity verification processing at the time of purchase of high-priced products, non-returnable products, age verification essential products, etc. Execution conditions can be set. As the method of the personal identification process, for example, the authentication processing unit 513 on the management server group 5 side and the application execution unit 113 on the user terminal 11 side cooperate with each other from the authentication processing unit 513 side to e-mail, short mail, The one-time password is notified by voice guidance through the telephone line, and the application execution unit 113 confirms the identity when the input of the one-time password is confirmed, or the incoming call from the telephone line registered in advance is the authentication processing unit 513. For example, it is possible to confirm the identity of the person who has been confirmed on the side.

In the authentication process, the authentication processing unit 513 refers to the map information in the map DB 51b, collates with the position information data acquired from the user terminal 11, and determines whether the current position of the user terminal 11 belongs within a predetermined range. It has a function to determine whether or not. Specifically, the authentication processing unit 513 activates a user interface such as an execution button constructed on each user terminal 11 based on the map information in the store / map DB 51 b and the position information data acquired from the user terminal 11. Is set or updated in the execution condition determination unit 225a of the corresponding mobile terminal.

The setting or updating of the execution condition is performed by accessing the user terminal 11 through the communication unit 502 and storing it in the memory of the user terminal 11. In the user terminal 11, when the execution condition is determined by the execution condition determination unit 225a, the execution condition recorded in the memory is read and the suitability of the condition is determined. The execution conditions set by the authentication processing unit 513 include position information and time (business hours, etc.).

The user registration unit 511 is a module that accepts user registration for receiving the settlement / point use management service by this system and records it in the user database 51a. Here, at the time of user registration, the user registration unit 511 registers an ID, which is a user identification number, as an identifier for identifying a user, and as user information, a name, an address, a mobile phone number, an e-mail address, etc. Associate and register.

The settlement management unit 512 is a module that receives a settlement / point usage status notification from each user terminal 11 through the communication network 4 and extracts and manages the settlement / point usage status of each user. Specifically, the settlement / point management unit 512a obtains the time at the time of the authentication process executed in the authentication processing unit 513 from the time measuring unit 504, associates the settlement / point information with the user identification number, and establishes the settlement / point database. Record in 51c.

Further, the settlement management unit 512 includes a settlement / point management unit 512a, refers to the point information stored in the settlement / point database 51c, and based on the settlement / point usage information stored in the user database 51a. It has the function to calculate the increase / decrease of user points and the use of pool points. More specifically, the settlement / point database 51c also functions as a point pool means for receiving and storing donations of arbitrary points from the user terminal 11 based on user operations, and the settlement / point management unit 512a includes: Based on the user's operation, the function as the point payout means for paying out the points accumulated in the point pool means and the condition of point payout by the point payout means are determined, and the points are paid out according to the determination result. It functions as a payout determination means. In the present embodiment, the settlement / point management unit 512a determines a pool point payout condition by voting required for a large number of user terminals 11. In the example shown in FIG. 3, the payment management unit 512 can be distributed in the payment / point database server 5d.

The information notifying unit 503 notifies the store 2 and the users Ua, Ub, etc. by the transaction notification mail M2 of the completed settlement processing and information on the points used (the number of points granted or redeemed this time, the point balance, etc.). In the example shown in FIG. 3, the modules are distributed on the transaction notification server 5e. For example, the information regarding the completed payment processing and the points used is notified to the user terminal 11 such as the store terminal device 22 of the store 2 and the user Ua through the communication network 4 together with the time information acquired by the time measuring unit 504. Specifically, the information notification unit 503 transmits information indicating that the payment / point use request has been accepted. Furthermore, the information notification unit 503 also has a function of transmitting payment information regarding credit card payment and point use to the user terminal 11 via the communication unit 502. In the present embodiment, the information notification unit 503 immediately notifies the user when the information is accumulated in the settlement / point management unit 512a.

(Operation of payment information management system)
By operating the settlement information management system described above, the settlement information management method of the present invention can be implemented. FIG. 7 is a flowchart showing an operation at the user terminal of the payment information system according to the present embodiment. Note that the processing procedure described below is merely an example, and each processing may be changed as much as possible. Further, in the processing procedure described below, steps can be omitted, replaced, and added as appropriate according to the embodiment.

First, the user terminal 11 activates the payment information management application on the user terminal 11 used by the user terminal 11 (S101), and constantly monitors the current position of the user terminal 11 (S102). When the user enters the predetermined store area by entering the site of the store 2, for example ("Y" in S103), the current position acquired by the position information acquisition unit 116 is checked against the map information, The store is specified (S103). As means for specifying the store, in addition to a method of estimating from latitude / longitude / altitude such as GPS, a method of estimating from Wifi or other wireless communication radio wave intensity, an identifier of a base station, or the like can be cited.

At this time, when “visit point” is issued at the specified store, the application execution unit 113 of the user terminal 11 requests the settlement / point management unit 512a of the management server group 5 to give points. . Specifically, when the store is identified, the card (payment card or point card) associated with the current position acquired by the position information acquisition unit 116 is searched from the management database 51, and the detected card is pointed Is requested to the settlement / point management unit 512a. Upon receiving this request, the settlement / point management unit 512a executes a process of adding the number of points of the point card based on the point information related to the requested card. About giving of this store visit point, you may set an upper limit, such as once a day.

Next, when paying for the purchase of goods or use of services at the store, the payment card or point card associated with the specified store is selected by user operation or automatically within the application, and the smartphone screen (S104). Specifically, at the time of payment, the user operates an application on his / her user terminal 11 to perform a necessary operation related to the payment process, and executes the card related to the store specified based on the current position. Displayed by the unit 113. At this time, when there are a plurality of cards associated with the store, these cards are displayed in a selectable manner. For example, when a user wants to use a payment card and a point card at the same time, select a plurality of cards to be used at the same time, or automatically combine them when a combination of cards to be used at the same time is associated in advance. A plurality of cards are selected.

Then, a settlement service is executed using the selected credit card or point card (S105). More specifically, payment information or point information is paid on the store terminal device 22 side based on a payment card or a point card or a combination of these cards displayed based on a user operation or automatically selected by the application execution unit 113. The payment service or the point use procedure is executed for all of the selected payment cards or point cards or combinations of the cards acquired as the transaction information.

In the execution of the payment service or the point use procedure, the reception server 5a receives the payment execution message M1 which is payment-related and point use-related information from the store 2, and the store specified by the payment execution message M1 The transaction history in 2 is updated in the transaction history monitoring server 5b. Next, upon receipt of the settlement execution message M1, the validity confirmation server 5c compares the transaction history with the store contract conditions stored in the store / map database 51b, and also includes user identification information (ID) included in the settlement execution message M1. And authentication information such as a password and biometric authentication information) are collated in the user database 51a to authenticate the store 2 and the user.

¡In this user authentication process, the identity verification process may be executed according to the execution conditions. For example, identity verification processing is executed when purchasing a high-priced product, a non-returnable product, an age-required product, or the like. As the method of the personal identification process, for example, the authentication processing unit 513 on the management server group 5 side and the application execution unit 113 on the user terminal 11 side cooperate with each other from the authentication processing unit 513 side to e-mail, short mail, The one-time password is notified by voice guidance through the telephone line, and the application execution unit 113 confirms the identity when the input of the one-time password is confirmed, or the incoming call from the telephone line registered in advance is the authentication processing unit 513. For example, it is possible to confirm the identity of the person who has been confirmed on the side.

Then, when authentication is properly performed, the settlement / point database server 5d reflects the credit settlement and used (point grant or point redemption) points in the settlement / point database 51c, and through the transaction notification server 5e. The newly issued points are notified to the store 2 and the users Ua, Ub, etc. by the transaction notification mail M2. Thereafter, until the application is terminated (“Y” in S106), a card corresponding to the current position is selected at any time, and a payment service and point use are enabled.

In particular, in this embodiment, a point pool service can be used for this settlement service. With this point pool service, it is possible to use a point pool system in which each user can acquire or share a part of the accumulated points with other users. In this point pool system, points are shared between specific user groups that use the point service, and small points are collected from the pool and used on the spot, such as when there are not enough coins. it can.

Specifically, as shown in FIG. 8, when using the pool point service for the payment service, first, a credit card or a point card that can be used at the store associated with the location information is displayed on the smartphone ( S201). The settlement procedure is started using the displayed card (S202). The store terminal device 22 starts settlement according to the communication with the user terminal 11 (S301). At this time, as a settlement method, it is assumed that payment is made using points (S203). In response to this request, the store terminal approves the use of points (S302), and starts processing for accepting the payment process. At this time, if the payment is not possible due to a few points (S303), the store terminal device 22 requests a change of the payment method according to the occurrence of a shortage of points (S304).

Here, it is assumed that the user has selected a payment method using pool points according to the change of the payment method (S204). In response to the selection by the user, a pool point use approval request (S205) is transmitted from the management server group 5 to the management server group 5 side, and in response to reception of the pool point use approval request (S401), the users Ua and Ub It is determined whether or not satisfies the payout condition of pool points. In the present embodiment, the use condition is determined based on the number of votes of users related to the point pool. Specifically, a request for approval voting is transmitted from the management server group 5 to the related users (S402). Upon receiving this request (S501), each user performs a voting operation through the smartphone application used by the user (S502). The management server group 5 receives and counts approval votes from each user, and determines use approval of pool points according to the number of votes (S403).

Next, the use approval determination result is notified from the management server group 5 to the user terminal 11 (S404). This notified content is sent to the management server group 5 and the user terminal 11 when the number of approval votes permitting the use of the pool point by the user is a predetermined number or more, and is sent to the management server group 5 and the user terminal 11. 5 and the user terminal 11 are executed for settlement processing (S207 and S305).

On the other hand, when the approval vote in step S502 does not reach a certain number, a notification to that effect is given, and the management server group 5 and the user terminal 11 change the settlement method in response to the use refusal notification. Complete the payment using a method that does not use pool points. The settlement result is displayed on the user terminal side (S208), a point use result notification is transmitted from the store terminal device 22 to the management server group 5, and the management server group 5 side uses the result of point use (non-permitted). In this case, a process corresponding to the result is executed (S405).

In this embodiment, the case where the payment is not possible due to a few points when the user pays is taken as an example. However, by using the mechanism of the pool point use approval request (S205) for other users described above, Pool points may be paid out for various purposes, such as begging, voluntary gifts, donations, coins to third parties, rewards for volunteer activities (point rewards, etc.).

(Action / Effect)
As described above, according to the present embodiment, a payment operation can be executed with a virtual credit card or a point card by an application installed in the user terminal 11, so that the number of credit cards or point cards can be reduced. The management and carrying are not inconvenient, and the card that is likely to be used in the store area is selected and displayed according to the current location, so the card can be easily managed and used. It will be a thing.

In addition, according to the present embodiment, by using pool points, it is possible to donate the remaining points halfway, or to compensate the short amount of shortage points, so halfway points When the credit card is left at hand, unnecessary points can be used effectively. On the other hand, due to the shortage, it is possible to avoid the re-execution of the settlement operation and smoothly perform the settlement procedure. In addition, pool points such as asking points, voluntary gifts, donations, cashing to third parties, rewards for volunteer activities (reduction of points, etc.) by using the mechanism for requesting approval to use pool points for other users By making it possible to pay out for various purposes, it is possible to increase the use opportunities of points and to expand the service.

M1 ... Settlement execution message M2 ... Transaction notification email PP ... Pool point PV ... Point saving pool Ua, Ub ... User 2 ... Store 3 ... Relay base station 4 ... Communication network 5 ... Management server group 5a ... Reception server 5b ... Transaction history Monitoring server 5c ... Validity confirmation server 5d ... Payment / point database server 5e ... Transaction notification server 10 ... Application 11 ... User terminal 11a ... User terminal 20 ... Store area 21 ... Card reader 22 ... Store terminal device 31 ... Wireless base station 32 ... Communication satellite 51 ... Management database 51a ... User database 51b ... Store / map database 51c ... Settlement / point database 111 ... Input interface 112 ... Output interface 112a ... Display unit 113 ... Application Unit 114 ... Communication interface 115 ... Storage unit 116 ... Position information acquisition unit 211 ... Identification information acquisition unit 212 ... Output interface 222a ... Display unit 223 ... Position information acquisition function 224 ... Memory 225 ... Control unit 225a ... Execution condition determination unit 225b ... Settlement information notification unit 225c ... execution processing unit 225d ... UI control unit 226 ... communication interface 227 ... connection processing unit 501 ... connection processing unit 502 ... communication unit 503 ... information notification unit 504 ... timing unit 510 ... control unit 511 ... user registration unit 512 ... Settlement management unit 512a ... Settlement / point management unit 513 ... Authentication processing unit

Claims

A system for managing payment information of a user and point information related to points given to the user through a communication network,
A management database that is installed on the communication network and uniquely stores the user identifier that uniquely identifies the user, the payment information and the point information of the user, and
An application execution unit that displays payment information or point information of the user on the portable information processing terminal used by the user, or outputs the information from the portable information processing terminal;
An execution processing unit that acquires payment information or point information displayed or output by the application execution unit based on a user operation, and executes a payment service or a point use procedure using the acquired payment information or point information; A payment information management system comprising:
The payment information includes information related to a payment card as a payment means, and the point information includes information related to a point card as a point use means,
In the management database, location information and a payment card or point card to be used according to the location, or a combination of these cards are stored in association with each other,
The application execution unit selects and displays or outputs a payment card or a point card associated with the position or a combination of these cards according to the current position of the information processing terminal,
The execution processing unit uses the payment information or point information acquired based on the payment card or point card selected by the user operation or a combination of these cards, and the selected payment card or point card or these cards. The settlement information management system according to claim 1, wherein the settlement service is executed or the point use procedure is executed for all combinations.
Point pool means installed on the communication network and receiving and accumulating arbitrary points from the portable information processing terminal based on the user's operation;
Point payout means for paying out points accumulated in the point pool means based on the user's operation through the portable information processing terminal;
The payment information management system according to claim 1, further comprising: a payout determination unit that determines a point payout condition by the point payout unit and executes payout of points according to the determination result.
2. The settlement information management system according to claim 1, wherein the determination means further includes a function of determining the condition for payout by voting required for a large number of portable information processing terminals.
The payment according to claim 1, wherein the information processing terminal further includes a communication interface that transmits payment information regarding payment or use of points to the reader means provided at the payee by non-contact communication. Information management system.
The payment information management system according to any one of claims 1 to 5, wherein the portable information processing terminal used by the user is displayed on the portable information processing terminal used by the user, or A payment information management program that functions as an application execution unit that outputs from the portable information processing terminal.
The payment information management system according to any one of claims 1 to 5, wherein a server device installed on a communication network has a user identifier for uniquely identifying the user, payment information of the user, and the user. A settlement information management program that functions as a management database that accumulates associated points.
6. The payment information management system according to claim 1, wherein the information processing terminal device is
As an execution processing unit that acquires payment information or point information displayed or output by the application execution unit based on a user operation, and executes a payment service or a point use procedure using the acquired payment information or point information A payment information management program characterized by functioning.
A method for managing user payment information and point information related to points given to the user through a communication network,
Storing in a management database installed on the communication network in association with a user identifier that uniquely identifies the user, payment information of the user and points given to the user;
On the portable information processing terminal used by the user, an application execution unit displays the user's payment information or outputs from the portable information processing terminal;
The payment processing or point information displayed or output by the application execution unit is acquired based on a user operation, and the execution processing unit executes the payment service or the point use procedure using the acquired payment information or point information. A settlement information management method comprising the steps of: