JP2008234595A - Information presentation system and method therefor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an information presentation system which allows a user to easily recognize accumulated amount settled by credit while the content is not known by a third party. <P>SOLUTION: After the user performs settlement using a credit card 3 at a store, settlement information is transmitted from a store terminal 5 to the credit card 3. The credit card 3 receives the settlement information to calculate the accumulated amount and judges whether or not the calculated accumulated amount corresponds to predetermined presentation conditions. The credit card 3 presents the accumulated amount to the user by varying emission colors of an LED 7 loaded on the credit card 3 according to the presentation conditions corresponding to the accumulated amount. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an information presentation system and method for presenting predetermined information to a user.

  Conventionally, a credit card is issued in advance based on a contract that defines a means of payment between the user and the credit company, and if this is presented at a member store, shopping or eating and drinking can be done without paying cash directly. A credit card system that pays the usage fees at each member store together at a later date is widely used.

  On the other hand, in order to notify the user whether or not a credit card can be used, a card system that dynamically notifies that a credit card can be used when a user who owns the card enters the store is known (for example, patents). Literature 1.).

JP 2004-54309 A

  However, credit cards can be used as long as they are within the usage limit of each user. When the user checks the usage status, the user must refrain from the usage amount or check the usage details separately. It was.

  Further, even if the user can recognize that the store is using a credit card, the user cannot recognize the usage status.

  The present invention has been made to solve the above-described problems, and a user can use a credit card or the like without having to refrain from each usage amount or confirming the usage details separately. It is an object of the present invention to provide an information presentation system that can confirm the above.

(1) (2) (10) The information presentation system according to the present invention is:
The portable recording medium is
(a1) a presentation setting recording means for recording the presentation condition and the presentation method in association with each other;
(a2) payment information acquisition means for acquiring payment information from the payment device at the time of payment;
(a3) a presentation determination unit that determines whether to present information based on the payment information acquired in the payment information acquisition unit and the presentation condition recorded in the presentation setting recording unit;
(a4) provided with information presentation means for presenting information based on a presentation method corresponding to the presentation condition when it is determined that the presentation judgment means should perform information presentation;
The payment device
(b1) payment information transmitting means for transmitting payment information to a portable recording medium at the time of payment;
It is provided with.

  Therefore, the user can check the usage status when the presentation conditions are met without having to refrain from each usage amount such as a credit card or separately checking the usage details.

(3) In the information presentation system according to the present invention,
The portable recording medium further includes a payment information recording means for recording history information or accumulated information related to past payments,
The presentation determination means in the portable recording medium determines whether or not to present information in consideration of the history information or accumulated information.

  Therefore, the user can check the usage status when the presentation conditions are met without having to refrain from each usage amount such as a credit card or separately checking the usage details.

(4) In the information presentation system according to the present invention,
The payment information acquired by the portable recording medium includes the electronic value balance,
The presentation determining means in the portable recording medium is characterized in that it determines that information should be presented when the electronic value balance matches the presentation conditions.

  Therefore, the user can easily and implicitly confirm the electronic money balance and the point balance without separately confirming using an exclusive device or the Internet.

(5) In the information presentation system according to the present invention,
The presentation method recorded by the presentation setting recording means in the portable recording medium is a presentation method by light, sound or image,
The information presenting means in the portable recording medium presents information by light, sound, or an image.

  Therefore, the user can easily check the usage status of the credit card or the like. In particular, by using light and sound that can be determined only by the user, it is possible to recognize the usage situation without other people knowing the contents.

(6) In the information presentation system according to the present invention,
The presentation condition and the presentation method recorded by the presentation setting recording unit in the portable recording medium are arbitrarily set by the user.

  Therefore, the user can confirm the usage status of the credit card or the like with desired conditions and methods.

(7) In the information presentation system according to the present invention,
The portable recording medium is a credit card, an electronic money card, a membership card, a point card, or a mobile phone.

  Therefore, when the usage conditions set in advance are reached, the usage status can be implicitly presented to the user. Thereby, the complexity of a user confirming a utilization condition is eliminated, the convenience of a credit card etc. can be improved and utilization can be promoted.

(8) In the information presentation system according to the present invention,
The portable recording medium records post-pay electronic money,
The presentation condition recorded by the presentation setting recording means in the portable recording medium relates to the execution of the authorization process.

  Therefore, the user can recognize the execution status of the authorization process.

(9) In the information presentation system according to the present invention,
The information presenting means presents the information after a predetermined time elapses when it is determined that the information should be presented by the presentation judging means.

  Therefore, the user can confirm the usage status reliably after the settlement. In particular, the usage status can be confirmed after settlement.

(10) In the information presentation system according to the present invention,
The information presenting means presents information after the portable recording medium leaves a predetermined distance from the settlement apparatus when it is determined that the information should be presented by the presentation judging means. What to do.

  Therefore, the user can confirm the usage status reliably after the settlement. In particular, when leaving a store, it is possible to calm down and check the usage status.

  Hereinafter, correspondence with the embodiment will be described.

  The presentation setting recording means corresponds to the memory 305 that records the presentation setting recording unit 3055 in FIG. The payment information recording means corresponds to the memory 305 that records the payment information recording unit 3057 in FIG. The payment information acquisition means corresponds to the CPU 303 and the communication circuit 315 that execute the application program 3053 of FIG. The presentation determination unit corresponds to the CPU 303 that executes the application program 3053 of FIG. More specifically, the functions of steps S405 to S409 shown in FIG. The information presenting means corresponds to the LED 321, the speaker 322, and the display panel 323 in FIG. “History information or accumulated information related to past payments” corresponds to data recorded in the payment information recording unit in FIG.

  “Electronic value” is a value obtained by converting the value of currency, points, coupons, tickets, and the like into electronic information, and is a concept including “electronic money”. The “authorization process” is a process for confirming the validity of the card from the store side to the credit card company before the settlement.

  In the present invention, the “means” is a concept including a CPU function realized by a program. Here, the “program” is a concept including not only a program that can be directly executed by the CPU, but also a source-format program, a compressed program, an encrypted program, and the like.

1. 1st Embodiment In this embodiment, the example which comprises an information presentation system using a credit card as a portable recording medium and using a shop terminal as a payment apparatus is demonstrated.

1-1. Processing Outline An outline of processing according to an embodiment of the present invention will be described with reference to FIG. After the user makes a payment using the credit card 3 at the store, payment information is transmitted from the store terminal 5 to the credit card 3. The credit card 3 receives the settlement information, calculates a monthly cumulative amount, and determines whether or not the calculated cumulative amount meets a predetermined presentation condition.

  The credit card 3 presents the accumulated amount to the user by changing the emission color of the LED 7 mounted on the credit card 3 in accordance with the presentation condition corresponding to the accumulated amount.

  For example, in the credit card 3, when the presentation condition is “cumulative amount is 50,000 yen or more”, the LED 7 is “lighted red” (3R), and the presentation condition is “cumulative amount is less than 50,000 yen and 40,000 yen” In the case of “above”, the LED 7 is “lighted in yellow” (3Y), and when the presentation condition is “the accumulated amount is less than 40,000 yen or more than 30,000 yen”, the LED 7 is “lighted in blue” (3B).

  Thereby, the user can recognize the accumulated amount of credit settlement without knowing the contents by a third party.

1-2. Overall Configuration FIG. 2 shows the overall configuration of the information presentation system 1. The information presentation system 1 is provided as a function of a so-called credit card system. A functional block diagram of the credit card 3 and the store terminal 3 will be described.

  In this figure, the presentation setting recording means 11 is for recording a presentation condition and a presentation method in association with each other. The payment information acquisition means 13 is for acquiring payment information from the payment device at the time of payment. The presentation determination means 15 is for determining whether to present information based on the presentation conditions. The settlement information recording means 17 is for recording history information or accumulated information relating to past settlements. The information presenting means 19 is for performing processing related to information presentation based on a presentation method corresponding to the presentation condition. The payment information transmitting means 31 is for transmitting payment information to the credit card 3 at the time of payment.

1-3. Hardware Configuration FIG. 3 shows an example of a hardware configuration for realizing the credit card 3 shown in FIG. 2 using a CPU. The credit card 3 includes a CPU 303, a memory 305, an antenna coil 313, a communication circuit 315, an LED 321, a speaker 322, a display panel 323, and the like.

  The CPU 303 performs processing based on an operating system (OS) 3051, an application program 3053, and the like. Note that the application program 3053 handles the presentation setting recording unit 3055 and the settlement information recording unit 3057 in the memory 305.

  Examples of the presentation setting recording unit 3055 and the settlement information recording unit 3057 are shown in FIGS. 5 and 6, respectively. The presentation setting recording unit 3055 records data (information) related to the presentation condition 501 and the presentation methods 1 to 3 (503 to 505) when information is presented to the user using the credit card 3 shown in FIG. For example, when the presentation condition is “cumulative amount is 50,000 yen or more”, the record 520 presents “LED 7 is lit in red”, “Sound effect A”, and “Display image A”. The method is recorded.

  The settlement information recording unit 3057 records the accumulated amount when determining whether to present information to the user using the credit card 3 shown in FIG. For example, in the record 620, the accumulated amount 607 after the transaction of the settlement amount 605 “30000 yen” made at the member store code 603 “003” on the transaction date 601 “2007/03/30” is “50000 yen”. It shows that there is. A specific example of the use of the presentation setting recording unit 3055 and the payment information recording unit 3057 will be described later.

  The memory 305 in FIG. 3 corresponds to the presentation setting recording unit 11 and the payment information recording unit 17 in FIG. The CPU 303 and the communication circuit 315 that execute the application program 3053 in FIG. 3 correspond to the payment information acquisition unit 13 in FIG. The CPU 303 that executes the application program 3053 in FIG. 3 corresponds to the presentation determination unit 15 in FIG. The LED 321, the speaker 322, and the display panel 323 in FIG. 3 correspond to the information presentation unit 19 in FIG.

  The hardware configuration for realizing the store terminal 5 shown in FIG. 2 is the same as that of a general settlement apparatus having an IC card reader / writer function.

1-4. Processing Contents Processing contents in the present embodiment will be described with reference to FIGS. In the present embodiment, after payment processing at the payment terminal 5, predetermined payment information is transmitted from the payment terminal 5 to the credit card 3, and the application program 3053 recorded in the memory 305 of the credit card 3 is executed on the CPU 303. An example will be described.

1-4-1. Information Presentation Processing FIG. 4 is an example of a flowchart for performing information presentation processing according to the present invention. In the present embodiment, the credit card 3 is a non-contact type IC card and is driven by receiving power supply by electromagnetic induction via the reader / writer function of the payment terminal 5.

  The payment terminal 5 transmits the payment information generated by the immediately previous payment to the credit card 3 (step S431). For example, the transaction date and time “2007/07/30”, the member store code “003”, and the settlement amount “30000 yen” similar to the data shown in the record 620 in FIG. 6 are transmitted as the settlement information. The accumulated amount is not transmitted here because it is calculated in step S403 described later.

  Upon receiving the payment information, the CPU 303 of the credit card 3 records the payment information in the payment information recording unit 3057 of the memory 305 (step S401). For example, as shown in the record 620 in FIG. 6, the transaction date and time 601 “2007/07/30”, the member store code 603 “003”, and the settlement amount 605 “30000 yen” are recorded.

  Further, the CPU 303 of the credit card 3 calculates the accumulated amount of the current payment amount based on the payment information (step S403). For example, the settlement amount 607 “10000 yen” of the record 621 in FIG. 6, the settlement amount 607 “20000 yen” of the record 622, and the settlement amount 607 “30000 yen” of the record 620 are totaled, and the accumulated amount “50000 yen” Is calculated. Then, the CPU 303 records the calculated accumulated amount “50000 yen” in the accumulated amount 607 of the record 620.

  The CPU 303 of the credit card 3 reads the presentation conditions with reference to the presentation setting recording unit 3055 of the memory 305 (step S405). For example, the presentation condition 501 “cumulative amount is 50,000 yen or more”, the presentation condition 501 “cumulative amount is less than 50,000 yen and 40,000 yen or more”, and the presentation condition 501 “cumulative amount is less than 40,000 yen and 30,000 yen or more” Is read.

  The CPU 303 determines whether or not the accumulated amount calculated in step S403 matches any of the presentation conditions read in step S405 (step S407). For example, when the calculated accumulated amount is “50000 yen”, it is determined that the presentation condition 501 “the accumulated amount is 50,000 yen or more” is met.

  The CPU 303 reads the presentation method recorded in the presentation setting recording unit 3055 in association with the presentation condition 501 “cumulative amount is 50,000 yen or more” (step S409). For example, presentation method 1_503 “LED is turned red”, presentation method 2_505 “sound sound effect A”, and presentation method 3_507 “display image A” are read from record 520 of presentation setting recording unit 3055.

  The CPU 303 issues an output command to the LED 321, the speaker 322, and the display panel 323 in order to present information based on each read presentation method (step S411). For example, as shown in the credit card 3 </ b> R in FIG. 1, the LED 321 is lit in red, and at the same time, a predetermined sound effect A is output from the speaker 322 and a predetermined image A is displayed on the display panel 323.

  Accordingly, the user can implicitly recognize that “the accumulated amount after settlement exceeds 50,000 yen”. That is, it is possible to present information related to the accumulated amount to the user without making the contents known to surrounding third parties.

1-4-2. Presentation setting process The data recorded in the presentation setting recording unit 3055 in the memory 305 of the credit card 3 described above can be arbitrarily set by the user. The data setting process will be described below.

  FIG. 7 shows an example of a presentation setting screen 701 displayed on the display of the computer device when the credit card 3 is connected to the computer device via a reader / writer and a predetermined presentation setting processing program is started. .

  In this screen, the presentation conditions 710, 720, and 730 correspond to the records 520, 521, and 522 of the presentation setting recording unit 3055 shown in FIG. The presentation method 1_711 of the presentation condition 710 is set to “red”, but by selecting a pull-down menu 703, a user-desired light color can be selected and set. Similarly, for the presentation method 2_712 and the presentation method 3_713, by selecting pull-down menus 705 and 707, a user-desired sound and image can be selected and set.

  Thus, the user can arbitrarily set a method for causing the credit card 2 to present information. For this reason, even if the credit card 2 presents information to the user with an LED or the like in a store or the like, the content is not known to a third party, and only the user can easily recognize the content.

2. Other Embodiments 2-1. Electronic value balance In the above embodiment, when credit card 3 receives payment information, an example has been described in which the accumulated amount of credit used is calculated and information is presented, but an electronic money card or the like is used instead of a credit card. It may be used to present information about the balance after settlement.

  The functional block diagram in this case is the same as that shown in FIG. The hardware configuration diagram is the same as that shown in FIG.

  The flowchart is basically the same as that shown in FIG. Only the following points are different. In order to determine settlement information including an electronic money balance, the process of calculating the accumulated amount is not performed in step S403. In step S407, it is determined whether the electronic money balance matches the presentation conditions.

  In addition, in the presentation condition 501 of the presentation setting recording unit 3055 shown in FIG. 5, a presentation condition regarding the electronic money balance is set instead of the presentation condition regarding the accumulated amount. In this case, the presentation condition 710 on the presentation setting screen shown in FIG. 7 indicates the electronic money balance.

  Thereby, the information about the balance after using the electronic money card can be presented easily and implicitly.

  When a point card is used instead of the electronic money card, the point balance can be presented.

2-2. Delay time In the above embodiment, an example in which information is presented by an LED or the like in the processing after the credit card 3 acquires payment information from the store terminal 5 has been described. Information may be presented after a lapse of time.

  For example, FIG. 4a is a flowchart of the process in this case. Except for steps S451 and S453, the flowchart is the same as that shown in FIG. If the CPU 303 of the credit card 3 determines in step S407 that the calculated accumulated amount matches the predetermined presentation condition, the CPU 303 of the credit card 3 sets the delay time from the presentation setting recording unit 3055 in addition to the presentation method corresponding to the presentation condition. Read (step S451). FIG. 5a shows an example of data recorded in the presentation setting recording unit in this case. In this case, the CPU 303 reads the delay time 509 “10 seconds” of the record 520.

  The CPU 303 counts the elapsed delay time that has been read, and issues an output command to the LED or the like after the delay time has elapsed (steps S453 and S411). For example, after “10 seconds” has elapsed, a command to turn the LED red is output to the LED 321.

  Thereby, the user can calmly and surely check the usage status of the credit card after delivery of the product before the cash register.

  The delay time may not be recorded in the presentation setting recording unit 3055, but a predetermined time fixedly incorporated in the program may be used. In this case, information can be presented after a certain period of time regardless of the presentation conditions.

2-3. Inductive current In the above embodiment, an example in which information is presented by an LED or the like in the processing after the credit card 3 acquires payment information from the store terminal 5 has been described. However, the induced current from the reader / writer of the store terminal 5 Information may be presented on the condition that no longer occurs.

  For example, FIG. 4b is a flowchart of the process in this case. Except for step S461, the flowchart is the same as that shown in FIG. If the CPU 303 of the credit card 3 determines in step S407 that the calculated accumulated amount matches the predetermined presentation condition, the CPU 303 of the credit card 3 reads the presentation method corresponding to the presentation condition from the presentation setting recording unit 3055 (step S409).

  Thereafter, the CPU 303 continuously detects the generation of the induced current, and when the credit card 3 leaves the store terminal 5 and determines that the induced current is not generated, issues an output command to the LED or the like ( Steps S463 and S411).

  As a result, the user can calmly and reliably check the usage status of the credit card when leaving a predetermined distance from the store terminal after delivery of the product before the cash register.

  Since the credit card 2 cannot be driven because no induced current is generated, in this case, a battery may be provided in the card.

2-4. Card Type In the above-described embodiment, an example in which information presentation processing is performed using a credit card as a portable recording medium has been described. However, the portable recording medium may be a card other than a credit card including a CPU. . For example, an electronic money card, a predetermined membership card or a point card may be used.

  Further, the shape of the portable recording medium is arbitrary as long as it has a function equivalent to the card as described above. For example, a boomerang type or stick type recording medium may be used. Further, it may be a mobile phone or other mobile device having the same function as the above card.

  If the portable recording medium is a post-pay (postpaid) electronic money card, a condition regarding the execution of the authorization process may be set as a presentation condition for presenting information. For example, in the post-pay method, authorization processing (person authentication) is performed for each predetermined amount of money, so by setting the accumulated amount when performing authorization processing, the timing of authorization execution is impeded to the user. Can let you know.

2-5. Presentation conditions In the above-described embodiment, whether or not the monthly accumulated amount has reached a predetermined amount is set as the presentation condition, but other conditions may be used as the presentation condition. For example, the present day condition may be a cumulative amount of money per day, a transaction amount of one transaction, a transaction amount or a cumulative amount of money at a predetermined store, and a month (such as a bonus month) of a transaction date corresponding to a predetermined value.

2-6. Presentation Method In the above embodiment, the information is presented after the credit card 3 determines whether or not to present information based on the payment amount from the store terminal 5. Information may be presented in response to a command.

  For example, when the store terminal 5 recognizes that the credit card 3 is an invalid card, the information presentation command is transmitted without transmitting settlement information to the credit card 3. In response to this, the CPU 303 of the credit card 3 issues an output command to the LED or the like in order to present information indicating that the card is invalid. For example, information indicating that the card is invalid may be provided by blinking an LED, playing a special sound effect, or displaying an invalid card on the display panel.

  Thereby, it is possible to notify the store clerk that the card is invalid. For this reason, unauthorized use of a credit card can be prevented beforehand.

2-7. Application to the visually impaired In the above embodiment, information is presented by LED lighting, sound effects, or panel display, but information may be presented using means that can be understood by the visually impaired. . For example, instead of the sound effect, a voice message indicating the specific content of the presentation may be output. Further, instead of the display panel, a specific content of presentation may be output as Braille using a Braille display.

2-8. Others In the above embodiment, in order to realize the functions shown in FIGS. 4, 4a and 4b, this is realized by software using a CPU. However, some or all of them may be realized by hardware such as a logic circuit. In addition, you may make it make an operating system (OS) process a part of program further.

It is a figure which shows the outline | summary of an information presentation system. It is a functional block diagram of an information presentation system. It is a hardware block diagram of a credit card. It is a flowchart of an information presentation process. It is a flowchart of an information presentation process. It is a flowchart of an information presentation process. It is a figure which shows the data recorded on a presentation setting recording part. It is a figure which shows the data recorded on a presentation setting recording part. It is a figure which shows the data recorded on a payment information recording part. It is a figure which shows the example of a presentation setting screen.

Explanation of symbols

3: Credit card 5: Store terminal

Claims (11)

An information presentation system comprising a payment device and a portable recording medium,
The portable recording medium is
(a1) a presentation setting recording means for recording the presentation condition and the presentation method in association with each other;
(a2) payment information acquisition means for acquiring payment information from the payment device at the time of payment;
(a3) a presentation determination unit that determines whether to present information based on the payment information acquired in the payment information acquisition unit and the presentation conditions recorded in the presentation setting recording unit;
(a4) provided with information presentation means for presenting information based on a presentation method corresponding to the presentation condition when it is determined that the presentation judgment means should perform information presentation;
The payment device
(b1) payment information transmitting means for transmitting payment information to a portable recording medium at the time of payment;
An information presentation system comprising: A portable recording medium that performs payment by communicating with a payment device,
(a1) a presentation setting recording means for recording the presentation condition and the presentation method in association with each other;
(a2) payment information acquisition means for acquiring payment information from the payment device at the time of payment;
(a3) a presentation determination unit that determines whether to present information based on the payment information acquired in the payment information acquisition unit and the presentation condition recorded in the presentation setting recording unit;
(a4) information presentation means for presenting information based on a presentation method corresponding to the presentation condition when the presentation judgment means determines that information should be presented. Portable recording medium. In the information presentation system or portable recording medium according to claim 1 or 2,
The portable recording medium further comprises payment information recording means for recording history information or accumulated information related to past payments,
The presentation determination means in the portable recording medium determines whether or not to present information in consideration of the history information or accumulated information. In the information presentation system or portable recording medium according to claim 1 or 2,
The payment information acquired by the portable recording medium includes an electronic value balance,
The presentation determination means in the portable recording medium determines that information should be presented when the electronic value balance matches a presentation condition. In the information presentation system or portable recording medium according to any one of claims 1 to 4,
The presentation method recorded by the presentation setting recording means in the portable recording medium is a presentation method by light, sound or image,
The information presenting means in the portable recording medium is for presenting information by light, sound or image. In the information presentation system or portable recording medium according to any one of claims 1 to 5,
The presentation conditions and the presentation method recorded by the presentation setting recording means in the portable recording medium are arbitrarily set by the user. In the information presentation system or portable recording medium according to any one of claims 1 to 6,
The portable recording medium is a credit card, an electronic money card, a membership card, a point card or a mobile phone. In the information presentation system or portable recording medium according to any one of claims 1 to 6,
The portable recording medium is for recording post-pay electronic money,
The presentation condition recorded by the presentation setting recording means in the portable recording medium relates to the execution of the authorization process. In the information presentation system or portable recording medium according to any one of claims 1 to 8,
The information presenting means presents the information after a predetermined time elapses when it is determined that the information should be presented by the presentation judging means. In the information presentation system or portable recording medium according to any one of claims 1 to 9,
The information presenting means presents information after the portable recording medium leaves a predetermined distance from the settlement apparatus when it is determined by the presentation determining means that information should be presented. What to do. An information presentation method using a payment apparatus and a portable recording medium,
The portable recording medium is
(a1) a presentation setting recording step in which presentation conditions and presentation methods are recorded in association with each other;
(a2) a payment information acquisition step of acquiring payment information from the payment device at the time of payment;
(a3) a presentation determination step for determining whether to present information based on the payment information acquired in the payment information acquisition step and the presentation conditions recorded in the presentation setting recording step;
(a4) when it is determined that information should be presented in the presentation judgment step, an information presentation step of performing information presentation based on a presentation method corresponding to the presentation condition is executed,
The payment device
(b1) a payment information transmission step of transmitting payment information to a portable recording medium at the time of payment;
The information presentation method characterized by performing.