JP2009042813A - Settlement support method, settlement support program, and settlement support apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To eliminate complexity when handling a plurality of credit cards, and to enable a customer to select the optimal credit card by positively providing a beneficial service. <P>SOLUTION: A card management company acquires settlement information for commercial transaction whose settlement is suspended prior to a settlement date, and compares cards, and outputs a comparison result. A customer instructs the change of a credit card to be used for settlement. A card management company performs card change processing, and generates settlement information for settling the commercial transaction by using a new credit card, and transmits it to a credit card company. Also, the card management company generates cancellation information for canceling the settlement of the commercial transaction using the old credit card, and transmits it to the credit card company. The credit card company settles the commercial transaction after the settlement date. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a settlement support method, a settlement support program, and a settlement support apparatus that support settlement of commercial transactions.

  In recent years, a credit card system including a server installed in a credit card company or the like and a terminal device installed in a plurality of member stores and connected to the server via a network has been widely used (for example, see Patent Document 1 below). .) This makes it possible for customers to use services at member stores without having cash. In addition, each party (customer and member stores) can use the services used by customers without dealing with cumbersome coins. Settlement is possible.

JP-A-8-305934

  However, since many customers own a plurality of credit cards, the credit cards are not only bulky, but it is necessary to select which credit card to use each time the service is used. In particular, in recent years, the points given according to the service usage amount are often different for each card company or store, and the selection of a credit card has become more complicated. For this reason, the customer has appropriately selected a credit card, and as a result, there has been a problem that services from the credit card company (for example, discount services, point services, etc.) cannot be enjoyed effectively.

  The present invention eliminates the troublesome handling of a plurality of credit cards even if the customer owns a plurality of credit cards in order to solve the above-mentioned problems caused by the prior art. Payment support method and payment support that can improve the convenience and usefulness of credit cards by enabling the provision of useful services and making it possible to select the optimal credit card. An object is to provide a program and a payment support apparatus.

  In order to solve the above-described problems and achieve the object, the settlement support method according to the present invention refers to an acquisition step of acquiring settlement information for settlement of a commercial transaction using a first credit card, and a database. Thus, a specifying step of specifying a second credit card that is a different credit card from the first credit card, and an advertisement information acquisition of acquiring advertising information related to the second credit card specified by the specifying step And an output step of outputting the advertisement information acquired by the advertisement information acquisition step.

  Further, in the payment support method according to the present invention, in the invention described above, the payment information acquired by the acquisition step is sent to a predetermined destination associated with the second credit card specified by the specification step. A distribution step of distributing; and a request step of receiving an output request for the advertisement information from the destination, wherein the advertisement information acquisition step acquires the advertisement information requested to be output by the request step, and the output step Outputs the advertisement information requested to be output in the requesting step.

  The payment support method according to the present invention further includes a history information acquisition step of acquiring usage history information related to the first credit card in the invention described above, wherein the distribution step is specified by the specifying step. The usage history information acquired by the history information acquisition step is further distributed to a predetermined destination associated with the second credit card.

  Further, the settlement support method according to the present invention relates to the first credit card by referring to the acquisition step for obtaining settlement information for settlement of the commercial transaction using the first credit card and the database. A specifying step of specifying the second credit card being processed, a calculating step of calculating a balance when the commercial transaction is settled using the second credit card specified by the specifying step, and the calculating step A comparison step of comparing the calculated balance amount with a balance amount included in the settlement information acquired by the acquisition step, and an output step of outputting a comparison result by the comparison step. And

  In the settlement support method according to the present invention, in the above-described invention, the calculation step calculates a payment amount when the commercial transaction is settled using the second credit card identified by the identification step. The comparison step compares the payment amount calculated by the calculation step with the payment amount included in the settlement information acquired by the acquisition step.

  Further, in the settlement support method according to the present invention, in the above-described invention, the calculation step calculates an earned point amount when the commercial transaction is settled using the second credit card specified by the specifying step. The comparing step compares the earned point amount calculated by the calculating step with the earned point amount included in the settlement information acquired by the acquiring step.

  Further, the settlement support method according to the present invention is the second credit card specified by the specifying step based on the balance amount calculated by the calculating step or the comparison result by the comparing step. A selection step of selecting a second credit card recommended for use in the settlement of the commercial transaction, and the output step further outputs a selection result of the selection step.

  In the settlement support method according to the present invention as set forth in the invention described above, in the selection step, the remaining valid days of the acquired earned points is a predetermined number of days from the second credit card specified by the specifying step. A second credit card shorter than the second credit card is selected as a second credit card recommended to be used for the settlement of the commercial transaction.

  Also, in the settlement support method according to the present invention, in the above-described invention, the selection step includes an acquisition point targeted by an already obtained acquisition point amount from the second credit card specified by the specification step. A second credit card smaller than the amount is selected as a second credit card recommended for use in the settlement of the commercial transaction.

  Further, the settlement support method according to the present invention is a designation for accepting designation of a second credit card used for settlement of the commercial transaction from the second credit cards identified in the identifying step in the invention described above. And a payment information generating step of generating payment information for payment of the commercial transaction using the second credit card specified in the specifying step.

  Further, the settlement support method according to the present invention further includes a cancellation information generation step of generating cancellation information for canceling the settlement of the commercial transaction using the first credit card in the invention described above. Features.

  Further, the payment support program according to the present invention provides an acquisition process for acquiring payment information for payment of a commercial transaction using a first credit card, and the first credit card by referring to a database. Acquired by a specifying step of specifying a second credit card that is another credit card, an advertising information acquisition step of acquiring advertising information related to the second credit card specified by the specifying step, and the advertising information acquisition step And outputting the advertisement information to the computer.

  Further, the payment support program according to the present invention relates to the first credit card by referring to the acquisition step for acquiring the payment information for payment of the commercial transaction using the first credit card and the database. A specifying step of specifying the second credit card being processed, a calculating step of calculating a balance when the commercial transaction is settled using the second credit card specified by the specifying step, and the calculating step Causing the computer to execute a comparison step of comparing the calculated balance amount with a balance amount included in the settlement information acquired by the acquisition step, and an output step of outputting a comparison result by the comparison step. It is characterized by.

  In addition, the payment support program according to the present invention is a specification for accepting designation of a second credit card used for settlement of the commercial transaction from the second credit cards identified in the identifying step in the invention described above. And a payment information generating step of generating payment information for payment of the commercial transaction using the second credit card specified in the specifying step.

  Further, the settlement support apparatus according to the present invention refers to an acquisition means for acquiring settlement information for settlement of a commercial transaction using a first credit card, and the first credit card by referring to a database. Acquired by an identifying means for identifying a second credit card that is another credit card, an advertising information acquiring means for acquiring advertising information relating to the second credit card specified by the identifying means, and the advertising information acquiring means Output means for outputting the advertisement information.

  In addition, the settlement support apparatus according to the present invention relates to the first credit card by referring to a database and an acquisition means for acquiring settlement information for settlement of a commercial transaction using the first credit card. A specifying means for specifying the second credit card that has been set, a calculating means for calculating a balance when the transaction is settled using the second credit card specified by the specifying means, and the calculating means Comparing means for comparing the calculated balance amount with the balance amount included in the settlement information acquired by the acquiring means, and an output means for outputting a comparison result by the comparing means And

  Further, in the invention described above, the settlement support apparatus according to the present invention is configured to accept designation of a second credit card used for settlement of the commercial transaction from among the second credit cards identified by the identifying unit. And payment information generation means for generating payment information for payment of the commercial transaction using the second credit card specified by the specifying means.

  According to the present invention, even when a customer owns a plurality of credit cards, the troublesomeness of handling a plurality of credit cards can be eliminated for the customer, and useful services are actively provided. It is possible to select the optimal credit card, and as a result, the convenience and usefulness of the credit card can be improved.

  Exemplary embodiments of a settlement support method, a settlement support program, and a settlement support apparatus according to the present invention will be described below in detail with reference to the accompanying drawings.

(Embodiment)
(Outline of payment system)
First, an outline of the payment system according to the present embodiment will be described. FIGS. 1-1 and 1-2 are explanatory diagrams showing an outline of the settlement system according to the present embodiment.

  In the settlement system 100 shown in FIG. 1-1, (1) First, a customer uses a commercial transaction at a member store. At this time, the customer presents an arbitrary credit card to the member store from among the credit cards owned by the customer. (2) The member store generates settlement information for settlement of the commercial transaction used by the customer (hereinafter referred to as “use commercial transaction”) using the credit card presented in (1) above, and the generated settlement information. Is transmitted to a credit card company that handles the credit card presented in (1) above. For example, in the example illustrated in FIG. 1A, payment information for using the “J card” to settle the commercial transaction is transmitted to the “J card company”. (3) The credit card company puts the transaction processing on hold for the commercial transaction until the settlement date arrives.

  Here, settlement is, for example, the amount of money paid by a customer to a member store using a credit card within a predetermined period (for example, within the period from the previous closing date to the next closing date) Is withdrawn from the bank account of the customer specified when issuing In addition, here, the payment processing suspension is, for example, a state in which the credit card company ends the authorization (checking the validity of the credit card) in the used credit card and until the settlement time (for example, a predetermined withdrawal date). Say. That is, the amount of money paid using the credit card is not settled within a predetermined period after the end of the authorization for each use. This state is called settlement processing suspension.

  (4) The card management company acquires payment information of a commercial transaction that is pending payment processing from the credit card company at a predetermined or arbitrary timing before the payment time. (5) Then, the card management company pays the balance when using the credit card presented in (1) above and the credit associated with the credit card presented in (1) above. (6) The comparison result is output to the customer. (6) The comparison result is output to the customer.

  (7) Based on the comparison result, the customer again selects a credit card to be used for settlement, and instructs the card management company to change the credit card used for settlement. (8) The card management company performs processing for changing the credit card used for settlement (hereinafter referred to as “card change processing”) in accordance with the change instruction from the customer.

  (9) As a result, the card management company generates payment information for use commercial transaction to be settled using the changed credit card, and transmits the generated payment information to the credit card company. For example, in the example illustrated in FIG. 1, the payment information for using the “M card” to settle the commercial transaction is transmitted to the “M card company”.

  (10) The card management company also generates cancellation information for canceling the settlement of the commercial transaction using the credit card before the change, and transmits the generated cancellation information to the credit card company. For example, in the example illustrated in FIG. 1A, cancellation information for canceling the settlement of the commercial transaction using “J card” is transmitted to “J card company”. (11) The credit card company that has received the payment information performs a payment process for the commercial transaction based on the received payment information after the payment time has come.

  On the other hand, in the payment system 100 shown in FIG. 1-2, (1) First, a customer uses a commercial transaction at a member store. At this time, the customer presents an arbitrary credit card to the member store from among the credit cards owned by the customer. (2) The member store generates settlement information for the settlement of the commercial transaction using the credit card presented in (1) above, and uses the credit card presented in (1) for the created settlement information. Send to the credit card company you handle. For example, in the example illustrated in FIG. 1B, payment information for use commercial transaction to be settled using “J card” is transmitted to “J card company”. (3) In the credit card company, the commercial transaction is put on the payment processing suspension until the payment time comes.

  (4) The card management company acquires payment information of a commercial transaction pending for payment processing from a credit card company handling the credit card presented in (1) at a predetermined or arbitrary timing before the payment timing. At this time, the card management company may simultaneously acquire the credit card usage history information presented in (1) above. Note that the card management company may acquire payment information of a commercial transaction pending payment processing from a member store or a customer.

  (5) Then, the card management company distributes the payment information and usage history information acquired in (4) above to a credit card company handling a credit card different from the credit card presented in (1). For example, a card management company distributes payment information and usage history information to a credit card company that handles credit cards owned by customers. Further, the card management company distributes settlement information and usage history information to a credit card company that handles credit cards not owned by the customer. In the example illustrated in FIG. 1B, payment information for use commercial transaction to be settled using “J card” and usage history information of “J card” are distributed to “M card company”. The card management company may distribute the payment information and the usage history information by excluding the personal information from the payment information and the usage history information so that the individual customer is not specified in the credit card company of the distribution destination.

  (6) Whether the credit card company that has received the payment information and the usage history information wants to use the credit card for the payment transaction and the usage history information to be settled with its own credit card based on the received payment information and usage history information. If you decide to pay with your own credit card, send an advertising information output request to the card management company, and if you decide not to pay with your own credit card, output advertising information. Do not send the request to the card management company. For example, a credit card company transmits an advertisement information output request to a card management company so as to present an advertisement according to the characteristic to a customer who has a shopping trend having a certain characteristic.

  (7) Upon receiving the advertisement information output request, the card management company outputs the requested advertisement information to the customer. For example, when a card management company receives an output request for advertisement information from a plurality of credit card companies, the card management company outputs a plurality of advertisement information to a customer. The advertisement information includes a privilege (for example, discount service or point service) when the credit card is changed. (8) The customer again selects a credit card used for settlement based on the advertisement information, and issues an instruction to change the credit card used for settlement to the card management company. (9) The card management company performs a card change process in accordance with a change instruction from the customer.

  (10) As a result, the card management company generates payment information for use commercial transaction to be settled using the changed credit card, and transmits the generated payment information to the credit card company that handles the changed credit card. To do. For example, in the example shown in FIG. 1B, payment information for using the “M card” to settle the commercial transaction is transmitted to the “M card company”.

  (11) Further, the card management company generates cancellation information for canceling the settlement of the commercial transaction using the credit card before the change, and transmits the generated cancellation information to the credit card company that handles the credit card before the change. . For example, in the example shown in FIG. 1-2, the cancellation information for canceling the settlement of the commercial transaction using the “J card” is transmitted to the “J card company”. (12) The credit card company that has received the payment information performs a payment process for the commercial transaction based on the received payment information after the payment time has come.

(System configuration of payment system)
Next, the system configuration of the payment system according to the present embodiment will be described. FIG. 2 is an explanatory diagram showing a system configuration of the settlement system according to the present embodiment.

  In FIG. 2, the payment system 100 includes a payment support device 210 provided in a card management company, a customer DB 211, a card DB 212, a card type DB 213, a terminal device 220 provided in each member store, and a customer's use. A credit card 230, a network 240 that connects the above-described devices so as to communicate with each other, and a terminal device 260 that a customer has are configured. The payment system 100 is connected to an online card system 250 provided in each card company by a network 240.

  In the payment system 100, the payment support apparatus 210 is an information processing apparatus such as a server or a workstation. The payment support apparatus 210 acquires payment information of a commercial transaction pending payment processing from the online card system 250 at a predetermined or arbitrary timing, performs card comparison processing based on the acquired payment information, and obtains a comparison result. Output to the terminal device 260.

  Thereafter, the payment support device 210 obtains instruction information for changing the credit card used for payment from the terminal device 260 (hereinafter referred to as “change instruction information”) based on the acquired change instruction information. Perform the change process. As a result, the payment support apparatus 210 generates payment information for the transaction to be settled using the changed credit card, and the generated payment information is sent to the online card system 250 corresponding to the changed credit card. Output.

  Further, the settlement support apparatus 210 generates cancellation information for invalidating the settlement of the commercial transaction using the credit card before the change so that the used commercial transaction is not settled twice, and the generated cancellation information Is output to the online card system 250 corresponding to the credit card before the change.

  The customer DB 211, the card DB 212, and the card type DB 213 are databases in which data is registered / referenced / updated by the payment support apparatus 210. Here, each database is not limited to a card company, and any setting location can be used as long as it can be accessed from the payment support apparatus 210.

  The terminal device 220 is an information processing device such as a personal computer provided in each member store and provided with a user interface such as a display and operation buttons. For example, the terminal device 220 reads card information from the credit card 230 presented by the customer when the customer uses the commercial transaction.

  In addition, the terminal device 220 accepts input of information related to a commercial transaction such as a product name and a price. And the terminal device 220 produces | generates the payment information for a use commercial transaction to be settled using the credit card which the customer showed based on the read card information or the information regarding the input commercial transaction.

  Further, the terminal device 220 transmits the generated payment information to the online card system 250 corresponding to the credit card 230 presented by the customer. The terminal device 220 is not limited to a personal computer. For example, the terminal device 220 may be an existing POS terminal or a vending machine capable of using a commercial transaction, a deposit operation, and a card information reading operation by a customer. Good.

  The credit card 230 is issued to a customer, and stores card information including a card ID for uniquely identifying the credit card 230. As the credit card 230, a card according to a card information reading method by the terminal device 220, such as a magnetic card, an IC card, a card on which a barcode or a two-dimensional code is printed or pasted, can be used. Note that the credit card 230 may be a mobile phone having a function as a credit card.

  The online card system 250 performs a settlement process for the commercial transaction based on the settlement information received from the settlement support apparatus 210. Further, the online card system 250 performs a cancellation process for the settlement of the commercial transaction based on the cancellation information received from the settlement support apparatus 210.

  The terminal device 260 is an information processing device such as a personal computer that is owned by a customer and has a user interface such as a display and operation buttons. The terminal device 220 transmits change instruction information to the payment support apparatus 210. Further, the terminal device 220 acquires various types of information from the payment support apparatus 210 and displays the acquired various types of information on the display.

(Example of data recorded in customer DB 211)
Next, an example of data recorded in the customer DB 211 will be described. FIG. 3 is an explanatory diagram illustrating an example of data recorded in the customer DB 211.

  In the customer DB 211, customer information is recorded for each “customer ID” for uniquely identifying a customer. In the example shown in FIG. 3, the customer information includes the customer's “address”, “name”, “ Includes "date of birth", "gender", "phone number", and "email address".

(Example of data recorded in card DB 212)
Next, an example of data recorded in the card DB 212 will be described. FIG. 4 is an explanatory diagram illustrating an example of data recorded in the card DB 212.

  In the card DB 212, information on the credit card 230 held by the customer is recorded for each “customer ID” for uniquely identifying the customer. In the example shown in FIG. Includes “card type” and “card ID”.

  For example, from the card DB 212 shown in FIG. 4, it can be determined that a customer having “ID0001” as “customer ID” has “J card”, “M card”, and “E card”.

(Example of data recorded in card type DB 213)
Next, an example of data recorded in the card type DB 213 will be described. FIG. 5 is an explanatory diagram showing an example of data recorded in the card type DB 213.

  In the card type DB 213, service information related to services given to customers is recorded for each “card type”. In the example shown in FIG. 5, the service information includes “discount rate” and “point rate”.

  For example, from the card type DB 213 shown in FIG. 5, it can be determined that “1%” points are given when the customer uses the credit card 230 having “M card” as “card type”. Further, when the customer uses the credit card 230 having “E card” as the “card type”, it can be determined that the usage fee for the use commercial transaction is discounted by “10%”.

(Hardware configuration of settlement support apparatus 210)
Next, a hardware configuration of the settlement support apparatus 210 according to the present embodiment will be described. FIG. 6 is a block diagram illustrating an example of a hardware configuration of the settlement support apparatus 210 according to the present embodiment.

  In FIG. 6, the payment support apparatus 210 includes a CPU (Central Processing Unit) 601, a ROM (Read Only Memory) 602, a RAM (Random Access Memory) 603, a HDD (Hard Disc Drive) 604, and an HD (Hard D). ) 605, FDD (Flexible Disk Drive) 606, FD (Flexible Disk) 607, display 608, I / F (interface) 609, keyboard 610, mouse 611, and printer 612. The components are connected to each other by a bus 620 or the like.

  The CPU 601 governs overall control of the settlement support apparatus 210. The ROM 602 records various control programs. The RAM 603 is used as a work area for the CPU 601. The HDD 604 controls reading / writing of data with respect to the HD 605 in accordance with a control command from the CPU 601. The HD 605 records data written under the control of the HDD 604. The FDD 606 controls reading / writing of data with respect to the FD 607 in accordance with a control command from the CPU 601.

  The FD 607 is a removable recording medium that records data written under the control of the FDD 606. In addition to the FD 607, the detachable recording medium may be a CD-ROM (CD-R, CD-RW), MO, DVD (Digital Versatile Disc), memory card, or the like.

  A display 608 displays various information such as text data and image data. The display 608 may be, for example, a TFT (Thin Film Transistor) liquid crystal display, a CRT (Cathode Ray Tube), a plasma display, or the like.

  The I / F 609 is connected to a network 240 (see FIG. 2) through a communication line, and is connected to another information processing apparatus (for example, the terminal apparatus 220 shown in FIG. 2) via the network 240.

  The I / F 609 controls an interface between the network 240 and the inside of the apparatus, and controls data input / output with other information processing apparatuses. The I / F 609 is, for example, a modem or a LAN adapter. The I / F 609 can also be used as an external input / output such as a USB.

  A keyboard 610 and a mouse 611 are used for inputting / setting various data. The printer 612 is used for printing various information. As the printer 612, for example, a laser printer or an ink jet printer can be used.

(Functional configuration of settlement support apparatus 210)
Next, a functional configuration of the settlement support apparatus 210 according to the present embodiment will be described. FIG. 7 is a block diagram showing an example of a functional configuration of the settlement support apparatus 210 according to the present embodiment.

  In FIG. 7, the payment support apparatus 210 includes an acquisition unit 701, a specification unit 702, a calculation unit 703, a comparison unit 704, a selection unit 705, an output unit 706, a specification unit 711, and a payment information generation unit 712. A settlement information transmission unit 713, a cancellation information generation unit 714, a cancellation information transmission unit 715, a history information acquisition unit 721, a distribution unit 722, a request unit 723, and an advertisement information acquisition unit 724. ing.

  The acquisition unit 701 acquires payment information for payment of a commercial transaction using a first credit card (a credit card 230 presented by a customer. The same applies hereinafter). Specifically, payment information is received from the online card system 250 corresponding to the first credit card at a predetermined or arbitrary timing. The acquisition unit 701 may acquire payment information from the terminal device 260, an information processing device provided in a member store, or the like. Specifically, the acquiring unit 701 realizes its function by, for example, the I / F 609 illustrated in FIG.

  The identifying unit 702 identifies the second credit card (the credit card 230 associated with the first credit card, hereinafter the same) by referring to the database. Specifically, the customer ID is extracted from the payment information acquired by the acquisition unit 701, and the credit card 230 associated with the extracted customer ID is selected from the credit cards 230 recorded in the card DB 212 as the second. Identify as a credit card. Specifically, the specifying unit 702 realizes its function by the CPU 601 executing programs stored in the ROM 602, the RAM 603, the HD 605, and the FD 607 shown in FIG. 6, for example.

  The calculation unit 703 calculates, for each second credit card specified by the specifying unit 702, a balance amount (payment amount and earned point amount) when the commercial transaction is settled using the second credit card. For example, the payment amount can be calculated based on the usage amount of the commercial transaction and the “discount rate” recorded in the card type DB 213. Further, for example, “acquired points” can be calculated based on the usage amount of the used commercial transaction and the “point rate” recorded in the card type DB 213. Specifically, the calculation unit 703 realizes its function by causing the CPU 601 to execute programs stored in the ROM 602, the RAM 603, the HD 605, and the FD 607 shown in FIG. 6, for example.

  The comparison unit 704 compares the balance amount calculated by the calculation unit 703 with the balance amount included in the settlement information acquired by the acquisition unit 701 for each second credit card specified by the specification unit 702. To do.

  Specifically, the comparison unit 704 compares the payment amount calculated by the calculation unit 703 with the payment amount included in the settlement information acquired by the acquisition unit 701, thereby obtaining the first credit card and It is determined which of the second credit cards has a smaller payment amount.

  Further, the comparison unit 704 compares the earned point amount calculated by the calculating unit 703 with the earned point amount included in the payment information acquired by the acquiring unit 701, so that the first credit card and the first credit card Determine which of the two credit cards is more earned points. Specifically, the comparison unit 704 realizes its function by causing the CPU 601 to execute programs stored in the ROM 602, the RAM 603, the HD 605, and the FD 607 shown in FIG. 6, for example.

  The selection unit 705 uses a recommended card (used for settlement of a commercial transaction) from among the second credit cards specified by the specifying unit 702 based on the balance amount calculated by the calculation unit 703 or the comparison result by the comparison unit 704. Select the second credit card that recommends this, and so on.

  For example, the selection unit 705 acquires, from the database, the acquired earned point amount, the remaining valid days of the acquired earned points, and the target acquired point amount for each second credit card specified by the specifying unit 702. Then, select the second credit card with the remaining valid days of the already earned points less than the predetermined number of days or the second credit card with the already earned points less than the target earned point amount as the recommended card To do. At this time, the selection unit 705 may select a plurality of recommended cards.

  Note that the selection method of the recommended card is not limited to the above-described method. For example, the selection unit 705 selects the second credit card with the smallest payment amount calculated by the calculation unit 703 as the recommended card. May be. Further, for example, the selection unit 705 may select the second credit card having the largest earned point amount calculated by the calculation unit 703 as the recommended card. Specifically, the selection unit 705 realizes its function by causing the CPU 601 to execute programs stored in the ROM 602, the RAM 603, the HD 605, and the FD 607 shown in FIG.

  The history information acquisition unit 721 acquires usage history information related to the first credit card. For example, the usage history information includes a usage date, a usage store, a usage service or a purchased product, a usage amount, and the like related to a commercial transaction using the first credit card by the customer. In addition, the usage history information may include a usage limit amount, an available amount, a settlement status, and the like related to the first credit card. For example, the history information acquisition unit 721 acquires usage history information from the online card system 250 corresponding to the first credit card. Specifically, the history information acquisition unit 721 realizes its function by, for example, the I / F 609 shown in FIG.

  The distribution unit 722 sends the payment information acquired by the acquisition unit 701 and the usage history information acquired by the history information acquisition unit 721 to a predetermined destination associated with the second credit card specified by the specification unit 702. To deliver. For example, the distribution unit 722 distributes the payment information and the usage history information to the online card system 250 corresponding to the second credit card for each second credit card specified by the specifying unit 702. Specifically, the distribution unit 722 realizes its function by, for example, the I / F 609 illustrated in FIG.

  The request unit 723 receives an output request for advertisement information from the destination to which the distribution unit 722 has distributed the payment information and the usage history information. For example, the request unit 723 acquires an output request from the online card system 250 corresponding to the second credit card. Specifically, the request unit 723 realizes its function by, for example, the I / F 609 shown in FIG.

  The advertisement information acquisition unit 724 acquires the advertisement information requested to be output by the request unit 723. For example, the advertisement information acquisition unit 724 acquires advertisement information from the online card system 250 corresponding to the second credit card. The advertisement information acquisition unit 724 may acquire advertisement information from a predetermined database. Further, the advertisement information acquisition unit 724 is configured to display advertisement information corresponding to the usage status of the first credit card based on the payment information acquired by the acquisition unit 701, the usage history information acquired by the history information acquisition unit 721, and the like. May be obtained. Specifically, the advertisement information acquisition unit 724 realizes its function by, for example, the I / F 609 shown in FIG.

  The output unit 706 outputs the comparison result from the comparison unit 704. The output unit 706 outputs the selection result by the selection unit 705. Further, the output unit 706 outputs the advertisement information acquired by the advertisement information acquisition unit 724. Specifically, the comparison result by the comparison unit 704, the selection result by the selection unit 705, or the advertisement information acquired by the advertisement information acquisition unit 724 is transmitted to the terminal device 260 as a WEB page or an e-mail. Is displayed on the display. At the same time, a screen or link information for designating the second credit card used for the commercial transaction is transmitted and displayed on the display provided in the terminal device 260.

  Note that the output method of the comparison result and the selection result is not limited to the method described above. For example, the printer 612 illustrated in FIG. 6 obtains the comparison result by the comparison unit 704, the selection result by the selection unit 705, or the advertisement information acquisition. The advertisement information acquired by the unit 724 may be printed on a predetermined sheet. In addition, an output method desired by the customer may be set in advance, and the output method may be determined based on this setting.

  The designation unit 711 receives designation of the second credit card used for settlement of the commercial transaction from the second credit cards identified by the identifying unit 702. Specifically, designation of an arbitrary second credit card is accepted by receiving change instruction information from the information processing apparatus used by the customer. Note that the method of accepting designation of an arbitrary second credit card is not limited to the above-described method. For example, when an operator directly inputs change instruction information into the settlement support apparatus 210, You may make it accept designation | designated.

  Note that when the recommended card is selected by the selecting unit 705, the second credit card specified by the specifying unit is not limited to the recommended card selected by the selecting unit 705. Specifically, the specification unit 711 realizes its function by, for example, the I / F 609 shown in FIG.

  The settlement information generation unit 712 generates settlement information for settlement of the commercial transaction using the second credit card designated by the designation unit 711. Specifically, the payment information generation unit 712 realizes its function by causing the CPU 601 to execute programs stored in the ROM 602, the RAM 603, the HD 605, and the FD 607 shown in FIG.

  The payment information transmitting unit 713 transmits the payment information generated by the payment information generating unit 712 to the online card system 250 corresponding to the second credit card specified by the specifying unit 711. Specifically, the settlement information transmission unit 713 realizes its function by, for example, the I / F 609 illustrated in FIG.

  The cancellation information generation unit 714 generates cancellation information for canceling the settlement of the commercial transaction using the first credit card. Specifically, the cancellation information generation unit 714 realizes its function by the CPU 601 executing programs stored in the ROM 602, RAM 603, HD 605, and FD 607 shown in FIG.

  The cancellation information transmission unit 715 transmits the cancellation information generated by the cancellation information generation unit 714 to the online card system 250 corresponding to the first credit card. Specifically, the cancellation information transmission unit 715 realizes its function by, for example, the I / F 609 shown in FIG.

(Card comparison process)
Next, a procedure of card comparison processing by the settlement support apparatus 210 according to the present embodiment will be described. FIG. 8A is a flowchart of a card comparison process performed by the payment support apparatus 210 according to the present embodiment.

  First, the acquisition unit 701 acquires payment information for use commercial transaction to be settled using the first credit card (step S801). Next, the specifying unit 702 specifies the second credit card associated with the first credit card (step S802). Then, for each second credit card specified in step S802, the calculation unit 703 calculates a balance amount when the use commercial transaction is settled using the second credit card (step S803).

  Subsequently, for each second credit card identified in step S802, the comparison unit 704 compares the balance amount calculated in step S803 with the balance amount included in the settlement information acquired in step S801. (Step S804).

  Then, the selection unit 705 selects a recommended card from the second credit card specified in step S802 based on the balance amount calculated in step S803 or the comparison result in step S804 (step S805). After that, the output unit 706 outputs the comparison result in step S804 and the selection result in step S805 (step S806), and the series of processing ends.

(Procedure for output advertisement decision processing)
Next, the procedure of the output advertisement determination process by the settlement support apparatus 210 according to the present embodiment will be described. FIG. 8-2 is a flowchart illustrating a procedure of output advertisement determination processing by the settlement support apparatus 210 according to the present embodiment.

  First, the acquisition unit 701 acquires payment information for use commercial transaction to be settled using the first credit card (step S811). Next, the specifying unit 702 specifies the second credit card associated with the first credit card (step S812). Then, the history information acquisition unit 721 acquires usage history information related to the first credit card (step S813).

  Subsequently, the distribution unit 722 distributes the payment information acquired in step S811 and the usage history information acquired in step S813 to the predetermined destination associated with the second credit card specified in step S812. (Step S814).

  Then, the request unit 723 accepts an output request for advertisement information from the destination to which the payment information and usage history information are distributed in step S814 (step S815). Further, the advertisement information acquisition unit 724 acquires the advertisement information requested to be output in step S815 (step S816). In addition, the advertisement information acquired in step S816 is output by the output unit 706 (step S817), and the series of processing ends.

(An example of payment information acquired by the acquisition unit 701)
Next, an example of payment information acquired by the acquisition unit 701 will be described. FIG. 9 is an explanatory diagram illustrating an example of payment information acquired by the acquisition unit 701.

  In the example shown in FIG. 9, the settlement information includes “detail ID”, “customer ID”, “card type”, “card ID”, “use store”, “payment amount”, and “acquired points”. In the “detail ID”, a detail ID for uniquely identifying the settlement information (detail) is set.

  The “customer ID” is set with a customer ID for specifying a customer who uses the commercial transaction. In the “card type” and “card ID”, a card type and a card ID for specifying the first credit card used for settlement are set. In the “use store”, a member store using the use commercial transaction is set.

  The “payment amount” is set to the payment amount to be paid by the customer when the first credit card specified by the “card type” and “card ID” is used. “Acquired points” is set with the amount of acquired points given to the customer when the first credit card specified by “card type” and “card ID” is used.

(An example of the balance amount calculated by the calculation unit 703)
Next, an example of the balance amount calculated by the calculation unit 703 will be described. FIG. 10 is an explanatory diagram illustrating an example of the balance amount calculated by the calculation unit 703.

  In the calculation result shown in FIG. 10, in the “payment amount”, the payment amount paid by the customer when the second credit card specified by the “card type” and the “card ID” is used is set. In the “acquired points”, the amount of acquired points given to the customer when the second credit card specified by the “card type” and the “card ID” is used is set.

(Example of output payment information)
Next, an example of payment information output by the output unit 706 will be described. FIG. 11A is an explanatory diagram of an example of payment information output by the output unit 706.

  In FIG. 11A, a display screen 1101 is a display screen displayed on a display included in the terminal device 260. This display screen 1101 displays a list of a plurality of payment information. The plurality of pieces of payment information displayed on the display screen 1101 relate to the commercial transaction used by the customer “Taro Soken”, and also relates to the commercial transaction for which payment processing is suspended.

  On the display screen 1101, “detail ID”, “use date”, “use store”, “use amount”, and “use card” are displayed in each piece of payment information. Further, each settlement information is associated with a calculation result by the calculation unit 703, a comparison result by the comparison unit 704, and a selection result by the selection unit 705. Of these, on the display screen 1101, the selection result of the selection unit 705 is displayed. The “recommended card” and the presence / absence of advertisement information in the “recommended card” are displayed.

  For example, on the display screen 1101, “J card” is set in the “use card” for the payment information having the specification ID “0001”, but the selection is associated with the payment information having the specification ID “0001”. “M card” is set in the “recommended card” of the selection result by the unit 705. This indicates to the customer that it is more profitable to use the “M card” to settle the commercial transaction specified by the payment information having the item ID “0001” than to use the “J card”. It means that you are proposing.

  Similarly, “M card” is also set in the “recommended card” of the selection result by the selection unit 705 associated with each of the settlement information having the detail ID “0002” and the settlement information having the detail ID “0003”. Has been. This is based on the information on the usage record of “M card”, and the remaining effective days of the acquired points of “M card” are less than the predetermined number of days, and the acquired points of “M card” are the target. Since the amount of points earned is less than the number of points to be earned, the above-mentioned three commercial transactions are settled together using the “M Card”, and the target amount of points earned for the “M Card” is obtained during the remaining days. This is because the selection unit 705 determines that the point amount has been reached.

  In addition, the customer can refer to the advertisement information corresponding to the “recommended card” to specifically refer to what kind of privilege is available when the customer uses the “recommended card” for payment. Detailed description of the advertisement information will be described later with reference to FIG.

  As described above, the settlement support apparatus 210 according to the present embodiment can display a list of a plurality of settlement information and the “recommended card” of the selection result by the selection unit 705 on the display included in the terminal device 260. The customer can easily determine “whether or not to change the credit card”, “to which payment to change the credit card”, “to which credit card”.

  Each piece of payment information displayed on the display screen 1101 is linked to a display screen for displaying a calculation result by the calculation unit 703 and a comparison result by the comparison unit 704. Thereby, for example, the customer performs a selection operation on arbitrary payment information on the screen of the display screen 1101, so that the calculation result by the calculation unit 703 associated with the selected arbitrary payment information and the comparison unit 704 The comparison result can be displayed on the display.

  Each “recommended card” of the selection result by the selection unit 705 displayed on the display screen 1101 is linked to a display screen for displaying details of the selection result by the selection unit 705. Thereby, for example, the customer performs the selection operation on the “recommended card” of the selection result by the arbitrary selection unit 705 on the screen of the display screen 1101, so that the details of the selection result by the selected arbitrary selection unit 705 are displayed. Can be displayed on the display.

(Example of output comparison results)
Next, an example of the comparison result output by the output unit 706 will be described. FIG. 11B is an explanatory diagram illustrating an example of the comparison result output by the output unit 706.

  In FIG. 11B, the display screen 1102 is displayed on the display included in the terminal device 260 as a result of the selection operation performed on the payment information having the detail ID “0001” on the screen of the display screen 1101 (see FIG. 11A). It is the displayed display screen. This display screen 1102 includes the payment information having the detail ID “0001”, the calculation result by the calculation unit 703, the comparison result by the comparison unit 704, and the inquiry information associated with the payment information having the detail ID “0001”. (Inquiry about change) is displayed.

  For example, on the display screen 1102, the calculation result by the calculation unit 703 shows that each credit card of “J card”, “M card”, and “E card” uses the credit card and has a detail ID “0001”. The “payment amount” and “acquisition points” in the case of making a payment using a commercial transaction specified by the payment information having “” are shown.

  Further, on the display screen 1102, the comparison result by the comparison unit 704 is based on the calculation result, and “M card” is used for the settlement of the commercial transaction specified by the settlement information having the detail ID “0001”. It is shown that “600 points” can be saved when using “J card”. In addition, it is shown that using the “E card” is “6000 yen” more profitable than using the “J card”.

  In addition, on the display screen 1102, the inquiry information (inquiry about change) describes a change method in the case of changing the credit card used for the settlement of the commercial transaction specified by the settlement information having the detail ID “0001”. ing.

  As described above, the settlement support apparatus 210 according to the present embodiment can display various information such as the calculation result by the calculation unit 703 and the comparison result by the comparison unit 704 on the display included in the terminal device 260. The customer can easily determine whether or not to change the credit card, which credit card to change, and the like.

(Example of output selection result)
Next, an example of the selection result output by the output unit 706 will be described. FIG. 11C is an explanatory diagram illustrating an example of the selection result output by the output unit 706.

  In FIG. 11C, the display screen 1103 is a “recommended card” of the selection result by the selection unit 705 associated with the payment information having the detail ID “0001” on the screen of the display screen 1101 (see FIG. 11A). It is the display screen displayed on the display with which the terminal device 260 is provided as a result of performing selection operation with respect to.

  On this display screen 1103, the selection result by the selection unit 705 is displayed. The selection result by the selection unit 705 includes a recommended card and a reason for recommending the recommended card. For example, the selection result by the selection unit 705 shown on the display screen 1103 indicates that “M card” is recommended and the reason.

  In addition, the display screen 1103 displays information on the credit card usage record of the credit card owned by the customer (hereinafter referred to as “card use record information”). This card usage record information is used by the selection unit 705 as a selection criterion when selecting a recommended card displayed on the display screen 1103.

  Based on the card usage record information, the selection unit 705 has the remaining valid days of the acquired points less than the predetermined number of days in the second credit card specified by the specifying unit 702, and the acquired points earned are The second credit card that is smaller than the target earned point amount is preferentially selected as a recommended card candidate.

  For example, in the example illustrated in FIG. 11C, the selection unit 705 selects “M card” as the recommended card. This is based on the card usage record information illustrated in FIG. This is because the selection unit 705 determines that the remaining effective days of the acquired points of the “M card” are less than the predetermined number of days and the acquired points of the “M card” are less than the target acquired point amount. . In addition, as shown in Fig. 11-1, when a single use commercial transaction is not settled by simply using an "M card", a plurality of use commercial transactions can be combined. The recommended card may be selected so that payment is made using the “M card”.

  As described above, the settlement support apparatus 210 according to the present embodiment can display the recommended card and the reason for recommending the recommended card on the display included in the terminal device 260. It is possible to easily determine whether or not to change, “to which credit card to change”, and the like.

(Example of output advertisement information)
Next, an example of advertisement information output by the output unit 706 will be described. FIG. 11D is an explanatory diagram illustrating an example of the advertisement information output by the output unit 706.

  In FIG. 11-4, a display screen 1104 is a display screen displayed on a display included in the terminal device 260. This display screen 1104 displays the payment information having the detail ID “0001” and the advertisement information associated with the payment information having the detail ID “0001”.

  For example, the display screen 1104 shows advertisement information of “M card” and “X card”. The “M card” is one of credit cards owned by the customer. The “X card” is a credit card not owned by the customer. Each advertisement information is provided with a “change” button. When a “change” button is pressed on the display screen 1104, a credit card change screen corresponding to the pressed “change” button is displayed on the display included in the terminal device 260.

  Thus, since the payment support apparatus 210 according to the present embodiment can display the advertisement information on the display included in the terminal apparatus 260, for example, to the customer, “whether to change the credit card”, It is possible to easily determine “to which credit card to change”.

(Card change processing procedure)
Next, a procedure for card change processing by the settlement support apparatus 210 according to the present embodiment will be described. FIG. 12 is a flowchart showing a procedure of card change processing by the settlement support apparatus 210 according to the present embodiment.

  First, the designation unit 711 accepts designation of the second credit card used for settlement of the commercial transaction from the second credit cards identified by the identification unit 702 (step S1201). Next, the payment information generation unit 712 generates payment information for payment of the commercial transaction using the second credit card specified in step S1201 (step S1202). Then, the payment information transmission unit 713 transmits the payment information generated in step S1202 to the online card system 250 corresponding to the second credit card specified in step S1201 (step S1203).

  Subsequently, the cancellation information generation unit 714 generates cancellation information for canceling the settlement of the commercial transaction using the first credit card (step S1204). Then, the cancellation information transmission unit 715 transmits the cancellation information generated in step S1204 to the online card system 250 corresponding to the first credit card (step S1205), and the series of processing ends.

(Example of change instruction information received from terminal device 260)
Next, an example of change instruction information received from the terminal device 260 will be described. FIG. 13 is an explanatory diagram illustrating an example of change instruction information received from the terminal device 260.

  In the example illustrated in FIG. 13, the change instruction information includes “detail ID”, “customer ID”, “card type”, and “card ID”. In the “detail ID”, the detail ID of the settlement information to be changed is set.

  The “customer ID” is set with a customer ID for specifying a customer who uses the commercial transaction. In the “card type” and “card ID”, a card type and a card ID for specifying the second credit card used for the settlement are set.

  For example, the change instruction information shown in FIG. 13 is change instruction information for changing the second credit card used for the settlement of the commercial transaction specified by the detail ID “ID0001” to “M card”.

(An example of payment information generated by the payment information generation unit 712)
Next, an example of payment information generated by the payment information generation unit 712 will be described. FIG. 14 is an explanatory diagram illustrating an example of payment information generated by the payment information generation unit 712.

  In the example shown in FIG. 14, the payment information includes “processing category”, “detail ID”, “customer ID”, “card type”, “card ID”, “use store”, and “payment amount”. In the “processing category”, “new” indicating that the information is new payment information is set. In the “detail ID”, a detail ID for uniquely identifying the settlement information (detail) is set.

  The “customer ID” is set with a customer ID for specifying a customer who uses the commercial transaction. In the “card type” and “card ID”, a card type and a card ID for specifying the second credit card used for the settlement are set. In the “use store”, a member store using the use commercial transaction is set.

  The “payment amount” is set to the payment amount paid by the customer when the second credit card specified by the “card type” and the “card ID” is used. The payment information generated in this way is transmitted to the online card system 250 that performs the payment process using the second credit card. The online card system 250 that has received the payment information performs payment processing for the commercial transaction based on the payment information.

(An example of cancellation information generated by the cancellation information generation unit 714)
Next, an example of the cancellation information generated by the cancellation information generation unit 714 will be described. FIG. 15 is an explanatory diagram illustrating an example of the cancellation information generated by the cancellation information generation unit 714.

  In the example illustrated in FIG. 15, the cancellation information includes “processing category” and “detail ID”. In the “processing category”, “cancel” indicating that the information is cancellation information is set. In the “detail ID”, a detail ID for uniquely identifying invalid settlement information (detail) is set.

  The revocation information generated in this way is transmitted to, for example, the online card system 250 that performs a settlement process using the first credit card 230 before the change. Then, the online card system 250 that has received the cancellation information performs a cancellation process for the settlement of the commercial transaction based on the cancellation information.

  As described above, according to the settlement support method, the settlement support program, and the settlement support apparatus according to the present embodiment, even if the customer owns a plurality of credit cards 230, any credit card Only the card 230 can be carried by the customer. Then, when the customer uses the commercial transaction, the credit card 230 carried by the customer can be provisionally presented to the customer. At a later date, the calculation result by the calculation unit 703, the comparison result by the comparison unit 704, the selection result by the selection unit 705, or the advertisement information requested to be output from the credit card company can be presented to the customer. In addition, the credit card 230 used for the commercial transaction can be changed from the terminal device 260.

  Thereby, a customer can be eliminated from the troublesomeness of handling a plurality of credit cards. Further, it is possible to encourage the use of a credit card by a potential card user who has refrained from using the credit card because a plurality of credit cards are bulky. Furthermore, business opportunities can be given to credit card companies not owned by customers. For this reason, it can contribute to the development of the card industry.

  The settlement support method described in this embodiment can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a RAM, a hard disk, a flexible disk, a CD-ROM, an MO, and a DVD, and is executed by being read from the recording medium by the computer. The program may be a transmission medium that can be distributed via a network such as the Internet.

  In the present embodiment, the online card system 250 is configured to perform the settlement process and the cancellation process. However, the present invention is not limited to this, and for example, the settlement support apparatus 210 includes a settlement unit and a cancellation unit. The cancellation unit may perform a settlement process and a cancellation process.

  In the present embodiment, the comparison target of the credit card 230 is the payment amount and the number of earned points. However, the present invention is not limited to this. For example, a closing date, a settlement date, an available amount, and the like may be compared. Further, a comparison target desired by the customer may be set in advance, and the comparison target may be determined based on this setting information.

  In the present embodiment, only the credit card 230 held by the customer is set as the comparison target. However, the present invention is not limited to this. For example, the credit card 230 not held by the customer is set as the comparison target. On the other hand, application / use of a new credit card 230 may be encouraged.

  Moreover, you may further provide the adjustment part which adjusts the difference in the rate of the commission which a member store pays to a credit card company. For example, even if the rate of the fee of the credit card 230 after the change is higher than the rate of the fee of the credit card 230 before the change, the adjustment unit changes the rate of the latter fee to the rate of the former fee. Pull down. Thereby, the loss of a member store accompanying the change of the credit card 230 used for settlement of a use commercial transaction can be avoided.

  As described above, the settlement support method, the settlement support program, and the settlement support apparatus according to the present invention are intended to provide a service positively to customers who are reluctant to use a credit card. It can be used in the industry, and in particular, it can promote the use of the credit card by customers who have avoided using the credit card due to the inconvenience of the credit card, and can revitalize the card industry Useful as a service.

It is explanatory drawing which shows the outline | summary of the payment system concerning this Embodiment. It is explanatory drawing which shows the outline | summary of the payment system concerning this Embodiment. It is explanatory drawing which shows the system configuration | structure of the payment system concerning this Embodiment. It is explanatory drawing which shows an example of the data currently recorded on customer DB. It is explanatory drawing which shows an example of the data currently recorded on card | curd DB. It is explanatory drawing which shows an example of the data currently recorded on card classification DB. It is a block diagram which shows an example of the hardware constitutions of the payment assistance apparatus concerning this Embodiment. It is a block diagram which shows an example of a functional structure of the payment assistance apparatus concerning this Embodiment. It is a flowchart which shows the procedure of the card | curd comparison process by the payment assistance apparatus concerning this Embodiment. It is a flowchart which shows the procedure of the output advertisement determination process by the payment assistance apparatus concerning this Embodiment. It is explanatory drawing which shows an example of the payment information acquired by the acquisition part. It is explanatory drawing which shows an example of the balance amount calculated by the calculation part. It is explanatory drawing which shows an example of the payment information output by the output part. It is explanatory drawing which shows an example of the comparison result output by the output part. It is explanatory drawing which shows an example of the selection result output by the output part. It is explanatory drawing which shows an example of the advertisement information output by the output part. It is a flowchart which shows the procedure of the card change process by the payment assistance apparatus concerning this Embodiment. It is explanatory drawing which shows an example of the change instruction information received from the terminal device. It is explanatory drawing which shows an example of the payment information produced | generated by the payment information production | generation part. It is explanatory drawing which shows an example of the cancellation information produced | generated by the cancellation information production | generation part.

Explanation of symbols

100 Payment System 210 Payment Support Device 211 Customer DB
212 Card DB
213 Card type DB
220 terminal device 230 credit card 240 network 250 online card system 260 terminal device 701 acquisition unit 702 identification unit 703 calculation unit 704 comparison unit 705 selection unit 706 output unit 711 designation unit 712 payment information generation unit 713 payment information transmission unit 714 cancellation information generation Unit 715 cancellation information transmission unit 721 history information acquisition unit 722 distribution unit 723 request unit 724 advertisement information acquisition unit

Claims (17)

An acquisition step of acquiring payment information for the transaction to be settled using the first credit card;
A specifying step of specifying a second credit card that is a different credit card from the first credit card by referring to a database;
An advertising information acquisition step of acquiring advertising information related to the second credit card specified by the specifying step;
An output step of outputting the advertisement information acquired by the advertisement information acquisition step;
A settlement support method characterized by including: A distribution step of distributing the payment information acquired by the acquisition step to a predetermined destination associated with the second credit card specified by the specification step;
A request step for receiving an output request for the advertisement information from the destination;
The advertisement information acquisition step includes:
Obtain the advertisement information requested to be output by the request process,
The output step includes
The settlement support method according to claim 1, wherein the advertisement information requested to be output by the requesting step is output. A history information acquisition step of acquiring usage history information related to the first credit card;
The delivery step includes
3. The settlement support according to claim 2, wherein the usage history information acquired by the history information acquiring step is further distributed to a predetermined destination associated with the second credit card specified by the specifying step. Method. An acquisition step of acquiring payment information for the transaction to be settled using the first credit card;
Identifying a second credit card associated with the first credit card by referring to a database;
A calculation step of calculating a balance amount when the commercial transaction is settled using the second credit card specified by the specifying step;
A comparison step of comparing the balance amount calculated by the calculation step with the balance amount included in the settlement information acquired by the acquisition step;
An output step of outputting a comparison result by the comparison step;
A settlement support method characterized by including: The calculation step includes
Calculating the payment amount when the commercial transaction is settled using the second credit card identified by the identifying step;
The comparison step includes
The payment support method according to claim 4, wherein the payment amount calculated by the calculation step is compared with the payment amount included in the payment information acquired by the acquisition step. The calculation step includes
Calculating the amount of points earned when the commercial transaction is settled using the second credit card identified by the identifying step;
The comparison step includes
5. The settlement support method according to claim 4, wherein the earned point amount calculated by the calculating step is compared with the earned point amount included in the settlement information acquired by the acquiring step. A second credit recommended to be used for the settlement of the commercial transaction from the second credit cards specified by the specifying step based on the balance amount calculated by the calculating step or the comparison result by the comparing step. And further comprising a selection step of selecting a card,
The output step includes
7. The settlement support method according to claim 4, further comprising outputting a selection result obtained by the selection step.   The selection step uses a second credit card whose remaining valid days of the acquired points are shorter than a predetermined number of days from among the second credit cards specified in the specifying step for the settlement of the commercial transaction. 8. The settlement support method according to claim 7, wherein the second credit card to be recommended is selected.   The selection step uses, for the settlement of the commercial transaction, a second credit card whose acquired points are less than a target amount obtained from the second credit cards specified in the specifying step. The payment support method according to claim 7, wherein the payment is selected as a recommended second credit card. A designation step for accepting designation of a second credit card used for settlement of the commercial transaction from among the second credit cards identified by the identification step;
A payment information generation step for generating payment information for payment of the commercial transaction using the second credit card specified in the specification step;
The settlement support method according to claim 1, further comprising:   11. The settlement support method according to claim 10, further comprising a cancellation information generation step of generating cancellation information for canceling the settlement of the commercial transaction using the first credit card. An acquisition step of acquiring payment information for the transaction to be settled using the first credit card;
A specifying step of specifying a second credit card that is a different credit card from the first credit card by referring to a database;
An advertising information acquisition step of acquiring advertising information related to the second credit card specified by the specifying step;
An output step of outputting the advertisement information acquired by the advertisement information acquisition step;
A settlement support program for causing a computer to execute. An acquisition step of acquiring payment information for the transaction to be settled using the first credit card;
Identifying a second credit card associated with the first credit card by referring to a database;
A calculation step of calculating a balance amount when the commercial transaction is settled using the second credit card specified by the specifying step;
A comparison step of comparing the balance amount calculated by the calculation step with the balance amount included in the settlement information acquired by the acquisition step;
An output step of outputting a comparison result by the comparison step;
A settlement support program for causing a computer to execute. A designation step for accepting designation of a second credit card used for settlement of the commercial transaction from among the second credit cards identified by the identification step;
A payment information generation step for generating payment information for payment of the commercial transaction using the second credit card specified in the specification step;
14. The settlement support program according to claim 12 or 13, further causing the computer to execute. Obtaining means for obtaining payment information for a transaction to be settled using the first credit card;
Identifying means for identifying a second credit card that is a credit card different from the first credit card by referring to a database;
Advertising information acquisition means for acquiring advertising information related to the second credit card specified by the specifying means;
Output means for outputting the advertisement information acquired by the advertisement information acquisition means;
A settlement support apparatus characterized by comprising: Obtaining means for obtaining payment information for a transaction to be settled using the first credit card;
Identifying means for identifying a second credit card associated with the first credit card by referring to a database;
Calculating means for calculating a balance when the commercial transaction is settled using the second credit card specified by the specifying means;
Comparison means for comparing the balance amount calculated by the calculation means with the balance amount included in the settlement information acquired by the acquisition means;
Output means for outputting a comparison result by the comparison means;
A settlement support apparatus characterized by comprising: Designation means for accepting designation of a second credit card used for settlement of the commercial transaction from among the second credit cards identified by the identification means;
Payment information generation means for generating payment information for payment of the commercial transaction using the second credit card specified by the specification means;
The settlement support apparatus according to claim 15 or 16, further comprising:

Images