JP2016157183A - Settlement information display system and settlement information display method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To properly display settlement information corresponding to a user.SOLUTION: A settlement information display system S includes a plurality of servers and a user terminal 12. The user terminal 12 includes: an acquisition section 931 which acquires a first point given when a prepaid card is used, a second point given when a credit card is used, a third point given on the basis of other transactions, the balance of the prepaid card, and the amount charged on the credit card, from the servers, to be integrated; and a display control section 932 which displays the total point which is the sum of the first point, the second point and the third point, and the balance, in a first display screen, and displays the total point and the amount charged on the credit card in a second display screen.SELECTED DRAWING: Figure 9

Description

  The present invention relates to a payment information display system and a payment information display method for displaying payment information associated with a user.

  Conventionally, balances of electronic currency such as credits, points and coupons having a monetary value are managed in a computer, and a user can grasp the balance of electronic currency and the like via the computer. As such a management system, for example, Patent Document 1 discloses a method of displaying information related to settlement using a card when the card is read.

Japanese Patent Application Laid-Open No. 07-073247

  By the way, various cards such as a credit card and a prepaid card are known as cards used for commercial transactions. Since these cards have different payment methods, when displaying information related to payment to the user, It is preferable to display information suitable for the settlement method. In this regard, the conventional method displays information without considering the payment method, and thus has a problem that the payment information suitable for the user cannot be displayed appropriately.

In recent years, points are generally given to users according to the use of credit cards and prepaid cards. It is preferable to display the points given according to the use of the card together with the usage status of the card.
Therefore, for example, as information related to credit card settlement, the billing amount to be charged in the next month and points given according to the use of the credit card are displayed, and information relating to payment for the prepaid card is charged to the prepaid card. A method of displaying the current charge balance and the points given in accordance with the use of the prepaid card is conceivable.

  However, in such a method, points according to the credit card and points according to the prepaid card are displayed separately, which makes it difficult for the user to grasp the total points available to the user. there were. In particular, since points can be used in predetermined payments as well as prepaid card charge balances and can be assigned to payments, the user wants to confirm the points given to them as "amount available for payments" There was a request.

  The present invention has been made in view of such a demand, and an object of the present invention is to provide a payment information display system and a payment information display method for appropriately displaying payment information suitable for a user.

  In the first aspect of the present invention, a display device that displays payment information to the user, a first server that manages payment information related to transactions using a prepaid card and a credit card owned by the user, and a grant to the user A payment information display system configured to include a second server for managing the received points, wherein the first server is associated with identification information for identifying a user who uses the service, and the charge balance of the prepaid card , And a card information storage unit for storing a charge amount related to the use of the credit card, wherein the second server is associated with the identification information, a first point given to the user by using a prepaid card, a credit card The second point given to the user by using the prepaid card and the second point A point storage unit for storing a third point given to the user based on a transaction that does not use any of the credit cards, and the display device receives the charge balance and the charge balance from the first server based on the identification information; In the first display screen, the first point, the second point, and the acquisition unit that acquires the billed amount and acquires the first point, the second point, and the third point from the second server Provided is a settlement information display system including a total point obtained by summing up the third points and the charge balance, and a display control unit for displaying the total points and the billed amount on a second display screen.

  In addition, the point storage unit, as the second point, a fixed point that is granted based on a confirmed amount of the charged amount, and a provisional point that is granted based on an unconfirmed amount of the charged amount The second server sets the provisional points granted based on the unestablished amount to the confirmed points to be granted based on the finalized amount on the condition that the undetermined amount is finalized. It is good also as providing the update part to update.

  In addition, the display control unit displays a total point obtained by summing the first point, the third point, and the fixed point of the second point on the first display screen or the second display screen. It is good to do.

  Further, in addition to the first point, the fixed point, and the third point, a determination unit that determines whether or not to add the temporary points as the total points may be further provided.

  The determination unit may perform the determination based on an instruction from the user.

  In addition, the determination unit may perform the determination based on a settlement type in which the settlement of the unconfirmed amount to which the provisional point is given is performed.

  The point storage unit stores the fourth point used by the user in addition to the first point, the second point, and the third point, and also stores the first point, the second point, and the third point. Stores time information indicating the timing at which each of the three points is given and the timing at which the fourth point is used, and the acquisition unit, in addition to the first point, the second point, and the third point, The fourth point and the time information are obtained, and the display control unit associates the first point, the second point, the third point, and the fourth point with time information obtained or used by the point. May be displayed.

  Moreover, the display control unit may display the first point, the second point, the third point, and the fourth point in time series based on the time information.

  According to a second aspect of the present invention, there is provided a settlement information display method for displaying to a user a first display screen for displaying prepaid card settlement information or a second display screen for displaying credit card settlement information. Storing the charge balance of the prepaid card owned by the user and the amount charged for using the credit card in association with identification information for identifying the user who uses the service in the first server, The first point given to the user by using the prepaid card in association with the identification information, the second point given to the user by using the credit card, and any of the prepaid card and the credit card The third point granted to the user based on transactions that are not used In the display device for displaying the first display screen and the second display screen, the charge balance and the billed amount are acquired from the first server based on the identification information, and the first display screen and the second display screen are displayed. A step of acquiring the first point, the second point and the third point from two servers, and a total point obtained by summing the first point, the second point and the third point based on the acquired information; And displaying the first display screen including the charge balance and displaying the second display screen including the total points and the billed amount.

  According to the present invention, payment information suitable for the user can be appropriately displayed.

It is a figure which shows the outline | summary of an electronic currency management system. It is a figure which shows the system configuration | structure of an electronic currency management system. It is a figure which shows the information managed by a card management server and a carrier server. It is a figure which shows the information managed with a point management server. It is a figure which shows the operation | movement at the time of purchasing goods using a card | curd. It is a figure which shows the operation | movement at the time of purchasing goods using a user terminal. It is a figure which shows the operation | movement at the time of giving a point with respect to a user. It is a figure which shows the operation | movement at the time of providing a user specific service with respect to a user. It is a block diagram which shows the function structure of a user terminal and an electronic currency management apparatus. It is a figure which shows the example of a display screen of a user terminal. It is a figure which shows the operation example at the time of switching the display screen of a user terminal. It is a figure which shows the example of a display screen of a user terminal.

[Outline of Electronic Currency Management System S]
First, an outline of the electronic currency management system S will be described with reference to FIG. The electronic currency management system S is a system that manages the points given to the user and enables the use of the points from the user's mobile phone (hereinafter referred to as “user terminal 12”).
In the electronic currency management system S, points are given to the user from various viewpoints. As an example, points are given to a user in accordance with the use of a credit card and a prepaid card owned by the user (hereinafter collectively referred to as “card 11”), the use of the user terminal 12, and the like. . In the present embodiment, the point is an intangible currency having a monetary value, and can be used for settlement in a specific service like electronic money.

The electronic currency management system S includes an electronic currency management device 10 accessible by the user terminal 12, and points given to the same user from various viewpoints are integrated for each user in the electronic currency management device 10. Managed. The electronic currency management system S provides the points that are centrally managed in the electronic currency management device 10 in response to a request from the user, so that all the total points available to the user can be grasped together.
Hereinafter, an example of a specific configuration for realizing the electronic currency management system S will be described.

[System configuration of electronic currency management system S]
FIG. 2 is a diagram showing an example of the system configuration of the electronic currency management system S. As shown in FIG. As shown in FIG. 2, the electronic currency management system S includes a user device 1 and an electronic currency management device 10 accessible by the user device 1. The electronic currency management apparatus 10 includes a card management server 2, a carrier server 3, and a point management server 4.

  The user device 1 is a device used by each user who uses a service provided by the electronic currency management system S, and includes a card 11 and a user terminal 12.

  The card 11 is a card that performs payment using an international brand payment NW50, and is a credit card that can be used to postpay the purchase amount by credit card payment, or payment of the purchase amount based on a precharged amount. It is a prepaid card that can perform the payment, or a postpay card that postpays the charge amount. As the card 11, an integrated card that can select any of these payment methods may be used.

  The user terminal 12 is a communication device that performs communication (call) via a communication NW provided by a communication carrier, and is, for example, a mobile phone, a smartphone, a tablet PC, or the like. A predetermined application program is installed in the user terminal 12, and the card 11 can be managed from the user terminal 12 through an application executed based on the program.

The card management server 2 is a server that manages, for each user, a usage history corresponding to a prepaid payment and a usage history corresponding to a credit card payment method as a usage history of the card 11. Here, FIG. 3A and FIG. 3B show examples of various information stored in the card management server 2. FIG. 3A shows an example of information stored in the card management server 2 in accordance with the prepaid payment, and FIG. 3B shows information stored in the card management server 2 in accordance with the credit card payment method. An example is shown.
As shown in FIG. 3A, the card management server 2 stores various information such as a prepaid card number, a balance, and a usage history in association with the management number. Further, as shown in FIG. 3B, the card management server 2 stores various information such as a credit card number, a billed amount, and a usage history in association with the management number. Hereinafter, when both the prepaid card number and the credit card number are indicated, they are simply referred to as “card number”.

  The card number is a number consisting of approximately 16 digits of alphanumeric characters set in the card 11 and is identification information for identifying the card 11. The management number is a number uniquely corresponding to the card number, and is used to identify the card 11 instead of the card number when linking with another server.

  The balance is information indicating the balance of the amount charged in the account designated by the prepaid card number set in the card 11. The billing amount is information indicating the total amount settled within a predetermined period (for example, one month from the closing date) by the credit card number set in the card 11. The use history is a history of shopping using the card 11 and includes purchase date and time, products / services to be purchased, purchase price, purchase place (store name), and the like.

  Returning to FIG. 2, the carrier server 3 is a server used by the communication carrier, and manages a usage history related to the use of the user terminal 12. The use of the user terminal 12 includes, for example, the use of content or merchandise purchase using the user terminal 12 and communication charges. The carrier server 3 calculates a charge amount based on the usage history of the user terminal 12 and charges the user.

  The carrier server 3 also functions as an entrance (portal) for providing services in the electronic currency management system S to the user terminal 12. For example, in response to a request from the user terminal 12, the carrier server 3 sends information related to the card 11 (for example, the balance of the charge amount of the prepaid card and the charge amount within a predetermined period of the credit card) from the card management server 2. Acquire and notify the user terminal 12. Similarly, the carrier server 3 acquires points associated with the user ID from the point management server 4 and notifies the user terminal 12 of the remaining number of points.

Here, FIG. 3C illustrates an example of various information managed in the carrier server 3. As shown in FIG. 3C, the carrier server 3 stores various information such as the telephone number, billing amount, usage history, contract ID, and contractor name of the user terminal 12 in association with the user ID.
The user ID is identification information for identifying the user terminal 12 or a user who uses the user terminal 12. The telephone number is a telephone number set for the user terminal 12 that is a communication terminal.

  The billing amount is an amount billed to the user as the user terminal 12 is used, and includes, for example, a communication fee and a usage fee for the content used on the user terminal 12. Depending on the communication carrier, not only a mobile phone but also a complex service such as a fixed telephone or cable TV may be provided to the user. Therefore, the billed amount is provided to the user indicated by the user ID. You may include charges for the services you have. The usage history is a history related to the payment associated with the use of the user terminal 12, and includes the type of usage mode (for example, content usage fee, communication fee, etc.) and the date and time when the charge occurred.

The contract ID is identification information for identifying a contract made with a communication carrier, and is information indicating that the contractor has made the contract. Communication carriers sometimes charge communication charges collectively within the same person or family. The contract ID and the contractor name are information for discriminating a range in which charges for communication charges are collected and a target for charging the collected communication charges.
Although not shown, the carrier server 3 has paid information related to the contract such as the contract deadline and contract date and time of the user terminal 12 and the amount charged according to the use of the user terminal 12 in association with the user ID. Information on payment of communication charges such as being delayed may be stored.

Returning to FIG. 2, the point management server 4 acquires the usage history of the card 11 managed by the card management server 2 and the usage history of the user terminal 12 managed by the carrier server 3 and gives them to the user based on the usage history. Manage points. Specifically, the point management server 4 uses points given based on the use of the card 11 (for example, shopping using the card) and uses other than the card 11 (for example, purchase of content using the user terminal 12 or The points given based on the payment of the communication fee of the user terminal 12 are integrated and managed in association with the user.
Here, examples of various information managed in the point management server 4 are shown in FIGS. 4 (A) and 4 (B).

  As shown in FIG. 4A, the point management server 4 stores various types of information such as date and time, usage history, fixed points, temporary points, and total points in association with the management number and user ID. The user ID is identification information for identifying a user who uses the user terminal 12, and is used when linking with the carrier server 3. The management number is a number uniquely corresponding to the card number, and is used when linking with the card management server 2. The date and time is the date and time when a point was given with the use of the card 11 or the user terminal 12, or the date and time when the given point was used. Further, the usage history indicates a history regarding the grant of points or a history regarding the use of points.

  In addition, the confirmed points and provisional points are based on the usage history of the card 11 acquired from the card management server 2 (that is, the settlement amount of the purchased product) and the charge amount acquired from the carrier server 3 to the corresponding user. This is information indicating the number of points given or the number of points used by the user. In payment using a credit card, payment is performed by a store performing sales processing after securing a use frame. Since it is common for a certain number of days to deviate from when the usage frame is secured to when sales processing is performed, the amount at the time when the credit card is used is the amount at the time when the sales processing is performed. And may be different. For example, when using a credit card overseas, the amount of money may differ at the time of purchase and at the time of billing due to the effects of exchange rates.

A fixed point is a point given based on a fixed amount, and a provisional point is a point given based on an undetermined amount. The total point is the total number of points given to the user, and indicates the total number of fixed points, the total number of temporary points, and the total number of fixed points and temporary points.
In the case of the example shown in FIG. 4A, the user ID “TARO97” is given a total of “880P” as the card 11 and the user terminal 12 are used at the dates A to E, etc. In this case, “170P” is given, and “1050P” is given together with the fixed point and the temporary point.

  Further, as shown in FIG. 4B, the point management server 4 stores a point grant rate for calculating points to be granted based on the purchase amount and the charge amount in association with the usage form. As a usage form, the use of the card 11 or the user terminal 12 can be considered, but besides these, depending on whether the store using the card 11 is a normal store or a point preferential store, the rate It is good also as making it differ. Information indicating a store using the card 11 can be acquired by receiving a use history from the card management server 2.

  Note that the point management server 4 may be changed to a state where points cannot be used when the contract with the service provider using the user terminal 12 is canceled. For example, it is assumed that a communication carrier provides a communication service using the user terminal 12 and gives a point corresponding to the communication fee to the user of the user terminal 12. In this case, when the point management server 4 obtains information from the carrier server 3 that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 deletes the points stored in association with the user terminal 12. It is good. Further, when the point management server 4 obtains information that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 may store the point balance with a flag indicating that points cannot be used. . In this case, when the point management server 4 receives a notification that the contract has been resumed within a predetermined period after canceling the contract, the point management server 4 can use the points by changing the above flag. Good.

  In the electronic currency management system S configured as described above, the card management server 2, the carrier server 3, and the point management server 4 are linked to integrate and manage the points given by various methods. Specifically, in the electronic currency management system S, the management number is associated with both the card number and the user ID, and the use of the card 11 and the use of the user terminal 12 are linked using this management number, The point management server 4 integrates and manages the credit points, prepaid cards, and points granted with the use of the user terminal 12.

[Operation of Electronic Currency Management System S]
The configuration of the electronic currency management system S has been described above. Next, the basic operation of the electronic currency management system S will be described with reference to FIGS.

[Operation when card 11 is used]
First, with reference to FIG. 5, an operation when making a payment using the card 11 will be described. The card 11 can be used in an actual store or a virtual store on the Internet.
In step S <b> 11, along with the use of the card 11, the payment NW 50 provided by the international brand is notified of the card number of the card 11 and information related to product purchase. For example, when purchasing a product in an actual store, the card 11 is read via a card reader, so that the information on the card 11 is notified to the settlement NW 50. By transmitting the information, the information on the card 11 is notified to the settlement NW 50. The product purchase information is, for example, information such as purchase date / time, purchase price, purchased product, purchased store, and the like.

  When a predetermined settlement process is performed in the settlement NW 50, in step S12, the card N and information related to product purchase are notified from the settlement NW 50 to the card management server 2. As shown in FIGS. 3A and 3B, the card management server 2 manages various information in association with each of the credit card number and the prepaid card number, When the information related to the purchase of the product or service is received, the usage history corresponding to the information is added to the usage history corresponding to the settlement method related to the received card number.

For example, when a prepaid card is used, in step S13A, the card management server 2 subtracts the purchase amount from the balance associated with the received prepaid card number and adds a usage history.
When a credit card is used, in step S13B, the card management server 2 adds the purchase amount to the billing amount associated with the received credit card number and adds a usage history. In addition, since the purchase amount may be confirmed or not confirmed in the settlement by credit card, the card management server 2 has the confirmed purchase amount or the unconfirmed purchase amount. It is preferable to manage the usage history of the card 11 so that it can be determined.

  Subsequently, in step S15, the card management server 2 notifies the point management server 4 of information related to product purchase together with the management number specified in step S14. The point management server 4 updates the points associated with the user ID corresponding to the management number based on the acquired information related to product purchase.

[Operation when using the user terminal 12]
Next, with reference to FIG. 6, an operation when making a payment using the user terminal 12 will be described. In a communication carrier, a so-called carrier settlement method is known in which a service usage fee is charged together with a communication fee of the user terminal 12. FIG. 6 shows an operation example when carrier settlement is performed.
When the user desires to use the paid service in the user terminal 12 and perform the payment for the service by carrier payment, in step S21, the user terminal 12 associates the information on the use of the user terminal 12 with the user ID and the carrier. The server 3 is notified. The information related to the use of the user terminal 12 is information such as the date and time when the service is used, the service usage fee, the service used, and the like.

  As shown in FIG. 3 (C), the carrier server 3 manages various types of information in association with the user ID, and receives the user ID that has made the carrier payment and the information on the use of the user terminal 12 when receiving the user ID. The usage history corresponding to the information is added to the usage history corresponding to the user ID. For example, in step S <b> 22, the carrier server 3 adds the service usage fee to the billing amount associated with the received user ID, and adds the used service name and usage date to the usage history.

  Subsequently, in step S <b> 23, the carrier server 3 notifies the point management server 4 of information regarding the use of the user terminal 12 together with the user ID. The point management server 4 updates the points associated with the user ID based on the acquired information.

[Operation when points are given]
Next, with reference to FIG. 7, an operation when a point is given to the user will be described. As described above, in the electronic currency management system S of the present embodiment, points are given according to the purchase of products etc. using the card 11 (prepaid card and credit card) and also depending on the use of the user terminal 12. Give points.

  In the case where points are given in accordance with the purchase of a product using the card 11, the point management server 4 acquires information related to product purchase from the card management server 2 together with the management number in step S 31. Then, in step S32, the point management server 4 specifies a rate according to the store where the product is purchased, and calculates a point according to the purchase amount based on the rate. Note that the processes in steps S31 and S32 are performed each time the user purchases a product using the card 11.

  Here, as described above, the points to be given according to the use of the credit card include a confirmed point and a provisional point. In this regard, when the point management server 4 obtains an unconfirmed purchase amount from the card management server 2, the point management server 4 calculates provisional points according to the unconfirmed purchase amount and obtains a confirmed purchase amount. In this case, a confirmation point corresponding to the confirmed purchase amount is calculated.

When the points corresponding to the purchase amount are calculated, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID corresponding to the management number.
In addition, when the purchase amount is confirmed after granting provisional points according to the unconfirmed purchase amount, the point management server 4 deletes the provisional points granted before the purchase amount is confirmed, A confirmation point corresponding to the confirmed purchase amount is given to the user.

Further, when points are given according to the use of the user terminal 12, the point management server 4 acquires a billed amount together with the user ID from the carrier server 3 in step S <b> 33. Then, in step S34, the point management server 4 calculates points according to the billed amount based on a predetermined rate. Note that the processing of step S33 and step S34 is performed at the timing when the amount charged is determined (for example, at the end of the month).
When the point corresponding to the amount charged is calculated, in step S35, the point management server 4 adds the calculated point to the point stored in association with the user ID.

  Here, the process of step S33 thru | or step S35 shows an example of the point provided based on the transaction which uses neither a prepaid card nor a credit card, It is not restricted to this. For example, in the electronic currency management system S, when the user visits the store, points can be given to the user ID associated with the user terminal 12 with the store visit authentication using the user terminal 12 held by the user. In addition, it may include one that gives a point corresponding to the payment amount to the user ID used as login information at the time of shopping use without card payment (for example, bank transfer, cash on delivery transaction, etc.).

[Operations when providing services to users]
Next, with reference to FIG. 8, an operation when providing a service unique to the user to the user who uses the electronic currency management system S will be described.

  When the user terminal 12 accesses the carrier server 3 with the user ID in step S41, the carrier server 3 notifies the point management server 4 of the user ID in step S42. In step S43, when the point management server 4 acquires information related to the service corresponding to the notified user ID and notifies the carrier server 3, the service is provided from the carrier server 3 to the user terminal 12 in step S44. Is done.

  The service according to the user ID can confirm, for example, the usage history including the charge balance of the prepaid card owned by the user, the usage history including the amount charged for the next month of the credit card, and the points given to the user. Service. The carrier server 3 cooperates with the point management server 4 (card management server 2 as necessary) based on the user ID (management number as necessary), and provides these information to the user terminal 12.

[Embodiment]
The settlement information display system S of the present invention is preferably used in the electronic currency management system S described above. Hereinafter, an example of an embodiment for realizing the settlement information display system S of the present invention will be described.

[Configuration of Payment Information Display System S]
First, the configuration of the payment information display system S will be described with reference to FIG. As shown in FIG. 9, the payment information display system S includes an electronic currency management apparatus 10 that manages payment information for each user, and a user terminal 12 that displays payment information to the user. The electronic money management apparatus 10 may be realized by any one of the card management server 2, the carrier server 3, and the point management server 4, and the card management server 2, the carrier server 3, and It may be realized by the cooperation of the point management server 4.

The electronic currency management apparatus 10 includes a storage unit 71 and a control unit 72. The storage unit 71 is a memory medium such as a ROM and a RAM, or a hard disk, and stores a program for operating the control unit 72 and data generated when the control unit 72 operates. The control unit 72 is a CPU, for example, and exhibits various functions by executing a program stored in the storage unit 71.
As illustrated in FIG. 9, the storage unit 71 includes a point storage unit 711 and a card information storage unit 712, and the control unit 72 includes an update unit 721.

The point storage unit 711 associates the identification information (user ID or management number) identifying the user who uses the service with the information given to or used by the user and the time information when the point was given or used. Remember. Specifically, the point storage unit 711 does not use any of the first point given to the user by using the prepaid card, the second point given to the user by using the credit card, the prepaid card, and the credit card. The third point given to the user based on the above and the fourth point used by the user are stored.
In addition, a 3rd point is a point provided according to the arbitrary transactions linked | related with user ID. An example of the third point is a point given in accordance with the use of the user terminal 12 described above, but is not limited to this. For example, a regular point such as a visit point etc. (once a day) It is good also as including the point etc. which are provided, and the thing etc. which give the point according to the payment amount with respect to user ID utilized as login information at the time of the shopping use without card payment may be included.

  In the payment information display system S, not only the first point and the second point given in accordance with the card payment but also the card payment is used with the user ID previously associated with the card 11 to be point displayed as a clue. The granted third point is acquired and used as the point to be added.

  In addition, since it takes time until the amount is confirmed in the use of a credit card, the point storage unit 711 has, as the second point, a confirmed point given based on the confirmed amount of the charged amount, Temporary points given based on the unconfirmed amount may be stored.

  The information stored in the point storage unit 711 corresponds to the information (FIG. 4A) stored in the point management server 4 in the payment information display system S described above. For example, “History B1” shown in FIG. 4A corresponds to the second point (temporary point) given to the user by using a credit card, and “History B3” is the billing amount corresponding to this temporary point. As a result of confirming, the temporary points are updated to confirmed points. Further, “History A1” shown in FIG. 4A corresponds to the first point given to the user by using the prepaid card, and “History C1” is a transaction that uses neither the prepaid card nor the credit card. The “history D1” corresponds to the fourth point used by the user, corresponding to the third point given to the user on the basis.

The card information storage unit 712 stores a charge balance of a prepaid card and a charge amount related to the use of a credit card in association with identification information for identifying a user who uses the service.
Information stored in the card information storage unit 712 corresponds to information stored in the card management server 2 in the settlement information display system S described above (FIGS. 3A and 3B). 3A and 3B, the information on the card 11 is managed based on the management number. This management number is associated with the user ID as shown in FIG. 4A. Therefore, it can be said that the card management server 2 stores information related to the card 11 in association with identification information (user ID) for identifying the user.

  The update unit 721 changes the provisional points granted based on the unestablished amount to the confirmed points granted based on the confirmed amount, on the condition that the undetermined amount of the credit card charge is confirmed. Update. Specifically, when the credit card usage amount is confirmed, the update unit 721 calculates a confirmed point corresponding to the confirmed amount with reference to a corresponding point grant rate (see FIG. 4B) and grants it to the user. To do. In addition, the update unit 721 deletes the provisional points assigned based on the unconfirmed amount before the usage amount is confirmed. In the case of the example shown in FIG. 4A, the temporary point “30P” is deleted in “History B3”, and the fixed point is given “30P” instead.

Returning to FIG. 9, the user terminal 12 includes a display unit 91, a storage unit 92, and a control unit 93.
The display unit 91 is configured by a liquid crystal display, an organic EL (Electro-Luminescence) display, or the like, and displays settlement information according to the type of the card 11 used by the user based on the control of the control unit 93. The display unit 91 is provided with a touch panel 911 and receives a user operation.

The storage unit 92 is a memory such as a ROM and a RAM, or a storage medium such as a hard disk. The storage unit 92 stores a program for operating the control unit 93 and data generated when the control unit 93 operates.
The control unit 93 is, for example, a CPU, and functions as an acquisition unit 931, a display control unit 932, and a determination unit 933 by executing a program stored in the storage unit 92.

The acquisition unit 931 acquires information stored in association with the user of the user terminal 12 from the electronic currency management apparatus 10. Specifically, the acquisition unit 931 assigns or uses the points given to the user of the user terminal 12 or the points used by the user (first to fourth points) based on the user ID. It is acquired from the electronic currency management apparatus 10 together with the time information. Further, the acquisition unit 931, based on the management number associated with the user ID, owns the prepaid card charge balance, the prepaid card usage history, the credit card charge, and the credit card possessed by the user of the user terminal 12. A usage history is acquired from the electronic currency management apparatus 10.
The acquisition unit 931 acquires information about points from the point management server 4 that constitutes the electronic currency management apparatus 10, and acquires information about cards 11 from the card management server 2 that constitutes the electronic currency management apparatus 10. And the acquisition part 931 integrates the information acquired from the card management server 2 and the point management server 4 based on a user ID and a management number.

The display control unit 932 displays, on the display unit 91, a first display screen that displays prepaid card payment information or a second display screen that displays credit card payment information based on various information acquired by the acquisition unit 931. indicate.
An example of the display screen displayed on the display unit 91 is shown in FIG. FIG. 10A is an example of a display screen 200 that displays prepaid card payment information, and FIG. 10B is an example of a display screen 220 that displays credit card payment information. Note that the display example shown in FIG. 10 is a display example for the user with the user ID “TARO97” (see FIG. 4A, etc.).

  As shown in FIG. 10A, the display screen 200 includes a card balance display 201 indicating the balance of the amount charged to the prepaid card and a point number display 202 indicating the number of points given to the user. Further, as shown in FIG. 10B, the display screen 220 includes a billing amount display 221 indicating the billing amount for the next month accompanying the use of the credit card, and a point number display 222 indicating the number of points owned by the user. .

As shown in FIG. 10, the display screen 200 for displaying the payment information for the prepaid card and the display screen 220 for displaying the payment information for the credit card are different in the display of the card balance display 201 and the charge amount display 221. The point number displays 202 and 222 are common. That is, the number of points owned by the user is displayed on both display screens 200 and 220.
Here, the points can be used for settlement like a charge balance of a prepaid card, and can be allocated to payment. Therefore, by integrating and displaying the points you own regardless of the payment type that triggered the points, the amount (points) that can be used for payments can be understood centrally for the user. This is preferable.

  The number of points displayed together with the payment information of the prepaid card or credit card may be the total number of fixed points, the total number of fixed points and temporary points, or the total number of fixed points and temporary points. Each may be the total number of points. In the example shown in FIG. 10, the point number displays 202 and 222 indicate the total number of confirmed points (see FIG. 4A).

Further, the display control unit 932 displays the display screen 200 and the display screen 220 in a switchable manner according to the operation input received from the user.
Here, FIG. 11 shows an operation example when switching between the display screen 200 and the display screen 220 in accordance with the operation input received from the user. In the present embodiment, since the display unit 91 is provided with the touch panel 911, the display control unit 932 switches between the display screen 200 and the display screen 220 based on the user's slide operation.

Specifically, as illustrated in FIG. 11A, when the user performs a slide operation in the right direction in a state where the display screen 200 is displayed on the display unit 91, the display control unit 932 displays the display unit The display 91 is switched from the display screen 200 to the display screen 220. Further, when the user performs a leftward slide operation in a state where the display screen 220 is displayed on the display unit 91, the display control unit 932 switches the display on the display unit 91 from the display screen 220 to the display screen 200. .
In FIG. 11A, the display screen is switched based on the slide operation in the “right direction” on the display screen 200 and the slide operation in the “left direction” on the display screen 220. The directions are merely examples, and other directions may be used. Further, the display screens 200 and 220 do not have to be in different directions, and the display screens may be switched based on a slide operation in the same direction on both sides.

  Moreover, the display screen switched according to the user's operation input is not limited to the display screen 200 and the display screen 220, and an intermediate screen may be used. FIG. 11B shows an operation example when the display screen is switched using the intermediate screen. In FIG. 11B, a display screen 210 that is a menu screen is used as the intermediate screen.

  As shown in FIG. 11B, when the user performs a slide operation in the right direction while the display screen 200 is displayed on the display unit 91, the display control unit 932 displays the display on the display unit 91. The screen 200 is switched to the display screen 210. Further, when the user performs a slide operation in the right direction while the display screen 210 is displayed on the display unit 91, the display control unit 932 switches the display on the display unit 91 from the display screen 210 to the display screen 220. When the user performs a leftward slide operation, the display control unit 932 switches the display on the display unit 91 from the display screen 210 to the display screen 200. Further, when the user performs a slide operation in the left direction while the display screen 220 is displayed on the display unit 91, the display control unit 932 switches the display on the display unit 91 from the display screen 220 to the display screen 210. .

Of these display screens 200, 210, and 220, the display screen to be displayed first can be arbitrarily determined. As an example, the display screen 210 as an intermediate screen may be displayed first, and the intermediate screen may be switched to the display screen 200 or the display screen 220, or the display screen 200 or the display screen 220 may be displayed from the beginning.
When the display screen 200 or the display screen 220 is displayed first, for example, the priority information set by the user, the display screen at the end of the previous time, or the display screen to be displayed may be determined according to the usage status of the card 11. it can.

When determining the display screen based on the priority information, priority information (a prepaid card priority, a credit card priority) indicating the type of the card 11 to be prioritized for display is received from the user, and the display control unit 932 receives the priority information received. The display screen 200 or the display screen 220 is displayed based on the above.
In addition, when displaying the display screen at the time of the previous end, by managing the state at the end of the application in the user terminal 12, the display control unit 932 displays the display screen that was displayed at the time of the previous end when the next application is executed. Can be displayed.

When determining the display screen according to the usage status of the card 11, for example, the display control unit 932 uses the usage status and the credit card in the predetermined period of settlement using the prepaid card among the display screens 200 and 220. The display unit 91 displays a display screen determined based on the usage status of the settlement for the predetermined period.
The predetermined period is an arbitrary period. For example, the predetermined period may be a period from the end of the previous time to the next start time, or may be a predetermined length of time before the current time. If it is the former, it becomes a different period for every user according to the timing which starts an application, and if it is the latter, it will become the same period irrespective of a user.

  Further, the display control unit 932 may display a display screen corresponding to the latest payment method within a predetermined period on the display unit 91. According to such a method, the display control unit 932 can display a display screen according to the type of the card 11 used last by the user. For example, the card 11 used last is a prepaid card. The display screen 200 can be displayed for the user, and the display screen 220 can be displayed for the user who is a credit card.

In addition, the display control unit 932 may display on the display unit 91 a display screen corresponding to a payment method having a large variation amount within the predetermined period, instead of the latest payment method within the predetermined period. The amount of change may be the amount billed to the user as the card 11 is used, or the number of points awarded to the user along with the amount billed. In addition, the display control unit 932 may display on the display unit 91 a display screen corresponding to a payment method with a large number of payments within the predetermined period, instead of the fluctuation amount.
According to such a method, the display control unit 932 can display a display screen corresponding to the type of the card 11 frequently used by the user within a predetermined period.

Returning to FIG. 9, the display control unit 932 also displays on the display unit 91 a display screen that displays the detailed information of the points owned by the user based on the various information acquired by the acquisition unit 931.
Here, an example of the display screen 230 that displays the detailed information of the points is shown in FIG. Note that the display screen 230 shown in FIG. 12 may be a display screen different from the display screens 200 and 220, and the screens displayed in the display screens 200 and 220 (for example, the display screens 200 and 220). It may be a screen that appears by scrolling.

As shown in FIG. 12, the display screen 230 includes a point number display 231, an invalid point number display 232, and a history display 233.
The point number display 231 indicates the number of points owned by the user, similarly to the point number displays 202 and 222 on the display screens 200 and 220. As described above, the number of points displayed on the point number display 231 may be the total number of fixed points, the total number of fixed points and temporary points, or the total number of fixed points and temporary points. May be the total number of each. Further, the revocation point number display 232 indicates the number of points that expire at a predetermined timing among points owned by the user.

Moreover, the history display 233 shows a history of the grant and use of points, and associates the number of points given to the user or the number of points used by the user with the date and time when the point was given or used, in time series. To display.
From the user's point of view, it is possible to grasp when and how many points are awarded from what partner, which is preferable.

  Here, in the example shown in FIG. 12, each history displayed on the history display 233 is displayed in the same manner, but each history may be displayed in a different manner. The method of changing the display mode is arbitrary, and can be changed depending on the store where the points are given or used. In the case of the example shown in FIG. 12, the display mode can be made different for each of “convenience store A”, “communication carrier”, and “convenience store B”.

  Moreover, a display mode is good also as changing according to the payment classification to which the point was provided. For example, the display control unit 932 uses different points for points given according to use of prepaid cards, points given according to use of credit cards, and points given according to other transactions. It may be displayed.

  Moreover, when changing a display mode according to a payment classification, it is good also as displaying the point according to the payment classification which the user is paying attention emphasized rather than the point according to another payment classification. For example, when displaying the detailed information of the points on the prepaid card display screen 200, the display control unit 932 highlights the points given according to the use of the prepaid card, and conversely, the display screen of the credit card. When displaying the detailed point information at 220, the display control unit 932 may highlight the points given in accordance with the use of the credit card.

In addition, points given without card payment (points given when using shopping when the user ID is used as a store visit point or login information, etc.) are given according to the use of the card 11 It is good also as displaying in a different aspect so that it can identify. Specifically, the display control unit 932 displays the points granted according to the use of the prepaid card in the first mode, displays the points granted according to the use of the credit card in the second mode, and the card. The points granted without settlement may be displayed in the third mode.
These first to third modes can also be determined in consideration of the type of payment that the user is paying attention to. For example, when displaying the detailed information of points on the display screen 200 of the prepaid card, The control unit 932 highlights and displays the points given according to the use of the prepaid card, and the points given according to the use of the credit card and the points given without the card payment It is good also as displaying in a different aspect so that each can be identified.

Returning to FIG. 9, the determination unit 933 determines whether the number of points displayed on the point number display 202 or the like is the total number of fixed points or the total number of fixed points and temporary points.
When it is determined that the total number of confirmed points is displayed, the point number display 202 and the like include a first point based on the use of a prepaid card, a confirmed point among the second points based on the use of a credit card, and a prepaid The number of points obtained by subtracting the fourth point used by the user from the total number of third points given to the user based on a transaction that uses neither a card nor a credit card is displayed. On the other hand, if it is determined to display the total number of confirmed points and provisional points, the fourth point is subtracted from the total number of the first point, the second point, and the third point in the point number display 202 or the like. The number of points made is displayed.

Note that the determination method by the determination unit 933 is arbitrary, and as an example, the determination unit 933 can make the determination based on a user instruction.
As another example, the determination unit 933 may perform the determination based on the settlement type of the unconfirmed amount to which provisional points are given. A major cause of the difference between the unconfirmed amount and the confirmed amount in the use of credit cards is the effect of exchange rates. Therefore, the determination unit 933 may determine whether to include a provisional point in the number of points displayed on the point number display 202 or the like based on whether the credit card is used domestically or abroad. Specifically, it is determined that the provisional points given according to the use in Japan are included in the number of points displayed on the point number display 202 etc., and the provisional points given according to the use outside the country are Alternatively, it may be determined not to be included in the number of points displayed on the point number display 202 or the like.

  Such a determination may be performed on the user terminal 12 side, or may be performed on the electronic currency management apparatus 10 side. That is, the determination unit 933 may be included in the user terminal 12 or may be included in the electronic currency management apparatus 10.

[Effect of payment information display system S]
The configuration of the payment information display system S has been described above. According to the payment information display system S having such a configuration, a prepaid card usage history is displayed via the display screen 200 and a credit card usage history is displayed via the display screen 220. At this time, in the payment information display system S, the total points given to the user on both the display screens 200 and 220, that is, points given according to the use of the prepaid card and credits according to the use of the credit card. And the total of points given according to use other than the card 11 are displayed.
From the user's point of view, regardless of the type of card 11 used, the points given to him / her can be comprehensively grasped, so that the payment information display system S appropriately displays the payment information suitable for the user. And user convenience can be improved.

Further, in the use of a credit card, since the payment timing is delayed with respect to the card usage timing, provisional points may be given before actually giving points. In the payment information display system S, it is also possible to display the points given temporarily, and it is also possible to display the provisioned points for the first time when they are confirmed.
By making this determination based on the user's selection, it is possible to realize a comprehensive display of points in a manner desired by the user, which is preferable. In addition, by making this determination according to the payment type of the credit card (for example, whether or not the payment involves a currency exchange), points that do not fluctuate between temporary points and fixed points are automatically determined. Since it can display, the user can grasp | ascertain the point provided later correctly, and is suitable.

  Moreover, in the payment information display system S, since the given points are associated with time information such as the point grant date and displayed in time series, the user can appropriately grasp his / her point grant status. It is possible and suitable.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. In particular, the specific embodiments of the distribution / integration of the devices are not limited to those illustrated above, and all or a part thereof may be added in arbitrary units according to various additions or according to functional loads. It can be configured functionally or physically distributed and integrated.

S: Settlement information display system, 1 ... User device, 11 ... Card, 12 ... User terminal, 91 ... Display unit, 911 ... Touch panel, 92 ... Storage unit, 93 ... Control unit, 931 ... Acquisition unit, 932 ... Display control unit, 933 ... Determination unit, 2 ... Card management server, 3 ... Carrier server, 4 ... Point management server DESCRIPTION OF SYMBOLS 10 ... Electronic currency management apparatus, 71 ... Memory | storage part, 711 ... Point memory | storage part, 712 ... Card information memory | storage part, 72 ... Control part, 721 ... Update part, 50 * ..Settlement NW

Claims (9)

A display device that displays payment information to the user, a first server that manages payment information relating to transactions using prepaid cards and credit cards owned by the user, and a second server that manages points granted to the user A payment information display system comprising:
The first server is
A card information storage unit for storing a charge balance of the prepaid card and a charge amount related to the use of the credit card in association with identification information for identifying a user who uses the service;
The second server is
In association with the identification information, the first point given to the user by using the prepaid card, the second point given to the user by using the credit card, and neither the prepaid card nor the credit card are used. A point storage unit for storing a third point given to the user based on the transaction;
The display device
Based on the identification information, the acquisition unit acquires the charge balance and the bill amount from the first server, and acquires the first point, the second point, and the third point from the second server;
On the first display screen, the total points obtained by summing up the first point, the second point, and the third point and the charge balance are displayed. On the second display screen, the total points and the billed amount are displayed. A display control unit,
A payment information display system comprising: The point storage unit includes, as the second point, a confirmed point that is granted based on a confirmed amount of the claimed amount, and a provisional point that is granted based on an unconfirmed amount of the claimed amount. Remember,
The second server is
An update unit that updates provisional points granted based on the unestablished amount to confirmed points granted based on the confirmed amount, on condition that the unestablished amount is confirmed,
The payment information display system according to claim 1, further comprising: The display control unit displays the total point obtained by summing the first point and the third point and the final point of the second point on the first display screen or the second display screen.
The settlement information display system according to claim 2. In addition to the first point, the fixed point, and the third point, a determination unit that determines whether or not to sum the temporary points as the total points,
The payment information display system according to claim 2 or 3, further comprising: The determination unit performs the determination based on an instruction from the user.
The settlement information display system according to claim 4. The determination unit performs the determination based on a settlement type in which the settlement of the undetermined amount to which the provisional point is given is performed;
The settlement information display system according to claim 4 or 5. The point storage unit stores the fourth point used by the user in addition to the first point, the second point, and the third point, and the first point, the second point, and the third point. Storing the time information indicating the timing of each of the times and the timing of using the fourth point,
The acquisition unit acquires the fourth point and the time information in addition to the first point, the second point, and the third point,
The display control unit displays the first point, the second point, the third point, and the fourth point in association with time information obtained or used for the point,
The settlement information display system according to any one of claims 1 to 6. The display control unit displays the first point, the second point, the third point, and the fourth point in time series based on the time information.
The settlement information display system according to claim 7. A payment information display method for displaying to a user a first display screen for displaying payment information for a prepaid card or a second display screen for displaying payment information for a credit card,
In the first server, in association with identification information for identifying a user who uses the service, a charge balance of a prepaid card owned by the user and a charge amount related to the use of a credit card;
In the second server, in association with the identification information, the first point given to the user by using the prepaid card, the second point given to the user by using the credit card, the prepaid card, and the Storing a third point granted to the user based on a transaction that does not use any of the credit cards;
In the display device for displaying the first display screen and the second display screen,
Acquiring the charge balance and the bill amount from the first server based on the identification information, and acquiring the first point, the second point, and the third point from the second server;
Based on the acquired information, the first display screen including the total points obtained by totaling the first points, the second points, and the third points and the charge balance is displayed, and the total points and the billed amount Displaying the second display screen including:
Payment information display method.

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