JP2018022323A - Information processing device, information processing system, information processing method, and information processing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To suppress the possibility that money of a payer is used for unexpected payment as much as possible.SOLUTION: An information processing device includes: reception means for receiving a purchase condition set by a manager of an account associated with a prescribed identification medium; and processing means for performing payment processing to purchase based on purchase information from the account when the purchase information notified in association with a purchase behavior of a user receiving the prescribed identification medium from the manager satisfies the purchase condition.SELECTED DRAWING: Figure 10

Description

  The present invention relates to an information processing apparatus, an information processing system, an information processing method, and an information processing program.

  When requesting shopping from a family to a child or an elderly person, it is conceivable that cash is given to make payment. In addition, credit cards can be owned even by minors with the approval of the parent, and minors or seniors who are asked to purchase may pay with credit cards or prepaid cards. Conceivable. In order to limit the amount of payment and usage in payment by a card or the like, it has been proposed that an issuing organization of the card or the like limits the usage amount and usage based on a contract with a user (for example, Patent Document 1). reference).

JP 2004-326174 A

  When receiving cash and going shopping, the child or the elderly may lose cash or purchase extras. For example, a child may drop the cash given for money on the way or mistakenly purchase a product that is different from the one requested. In addition, if the elderly are given extra cash, they may purchase unnecessary items. When paying with a card, etc., the amount of payment and usage when the payer himself / herself uses can be restricted, but the amount of payment and usage when other minors or elderly people use it Is difficult to manage.

  In view of such a situation, an object of the present invention is to provide a technique for suppressing as much as possible the possibility that a payer's money is used for an unexpected payment.

  In order to solve the above problems, in the present invention, payment processing using a predetermined identification medium is performed for purchases that satisfy the purchase conditions set by the administrator of the account linked to the predetermined identification medium.

  Specifically, the present invention is an information processing apparatus, and accepting means for receiving purchase conditions set by an administrator of an account linked to a predetermined identification medium, and the predetermined identification medium from the administrator And processing means for performing payment processing for purchase based on the purchase information from the account when the purchase information notified in relation to the purchase behavior of the user satisfies the purchase condition.

  According to the information processing apparatus described above, payment processing for purchase by a user is performed from an account linked to a predetermined identification medium. It is sufficient to have a predetermined identification medium. In this case, a child or an elderly person who is a user of the predetermined identification medium can make cashless shopping, and financial damage due to snatching or loss is avoided. The account is an account for managing money paid for purchase, such as an account for managing a balance for a prepaid identification medium or a bank account linked to a credit card.

  Payment processing is performed when the purchase information notified in relation to the purchase behavior of the user satisfies the purchase conditions set by the administrator. For this reason, the administrator who is a payer can suppress possibility that money will be used for unexpected payment. Furthermore, since purchases that do not satisfy the purchase conditions are avoided, security against unauthorized use is improved. Purchase includes payment of a fee for use of a service in addition to purchase of a product. The purchase information includes information on the store where the purchase action is performed, in addition to the product, quantity, price, service to be used, fee, etc. purchased by the user. The stores are not limited to actual stores visited by users, but also include vending machines that can be paid for purchases, stores on the Internet, and the like. The purchase behavior includes an action related to the purchase of the user, such as arrival at the store or purchase at the visited store, and the purchase information is notified to the manager with the purchase behavior as an opportunity.

  Further, the processing means may further perform payment processing when the administrator approves purchase information. With such processing means, payment processing is performed only when approved by the administrator, so the administrator monitors the user's shopping to reduce useless purchases and money is used for unexpected payments. Can be suppressed. Purchase information may be approved for each product to be purchased and each service to be used.

  In addition, the information processing apparatus further includes notification means for notifying the administrator that the user has reached the store when the predetermined identification medium reaches the predetermined area including the store visited by the user. Also good. When the predetermined area is reached, for example, when the predetermined identification medium passes through the security gate of the store, when the current position of the user matches the position of the store, the area specified by the administrator is reached. It's time. With such an information processing apparatus, the administrator can know that the user has reached the store and can monitor the user's action range. In addition, the manager can surely perform approval at the time of settlement by receiving a notification that the user has reached the store in advance.

  In addition, when the predetermined identification medium is a prepaid medium that is charged with a predetermined amount from an account, the processing means performs a payment process for purchase based on purchase information from the amount charged to the predetermined identification medium. It may be. With such a processing means, the administrator can limit the amount of payment within the range of the predetermined amount charged, and can suppress the possibility that money will be used for unexpected payment.

  In addition, when the predetermined identification medium is a prepaid medium in which a predetermined amount is charged from an account, the processing means stores the balance of the amount charged to the predetermined identification medium at a predetermined timing after the payment process. May be refunded to the account. The predetermined timing is, for example, when the administrator instructs the information processing apparatus to refund from the predetermined identification medium to the account, or when the settlement using the predetermined identification medium is completed. With such processing means, the administrator can limit the amount of money to be paid within the range of the predetermined amount charged, and not to waste the charged money remaining. it can.

  The purchase conditions may be set based on purchase conditions set in the past. By presenting purchase conditions set in the past by the accepting means, the administrator can easily set the purchase conditions.

The present invention can also be understood from the aspect of the information processing system. For example, the present invention is an information processing system having a server, a predetermined identification medium, and a terminal that manages the predetermined identification medium, and the server is operated by an administrator of an account linked to the predetermined identification medium. Payment processing for purchase from the account if the purchase information notified in relation to the purchase behavior of the user who has received the predetermined purchase condition and the user who has received the predetermined identification medium from the administrator satisfies the purchase condition. The terminal may include an input unit that receives a purchase condition setting input from an administrator and a transmission unit that transmits the received purchase condition to the server.

  The present invention can also be understood from a method aspect. For example, according to the present invention, a computer accepts a purchase step for accepting purchase conditions set by an administrator of an account linked to a predetermined identification medium, and purchase behavior of a user who has deposited the predetermined identification medium from the administrator. When the purchase information notified in relation is a purchase condition, the information processing method may execute a processing step of performing payment processing for purchase based on purchase information from an account.

  The present invention can also be understood from the aspect of a computer program. For example, the present invention relates to a receiving step of accepting purchase conditions set by an administrator of an account linked to a predetermined identification medium in a computer, and purchase behavior of a user who has deposited the predetermined identification medium from the administrator. The purchase information notified in relation may be an information processing program that executes a processing step of performing payment processing for purchase based on purchase information from an account when purchase conditions are satisfied.

  ADVANTAGE OF THE INVENTION According to this invention, possibility that a payer's money is used for unexpected payment can be suppressed as much as possible.

FIG. 1 is a diagram illustrating a configuration of an information processing system including a server according to the embodiment. FIG. 2 is a diagram illustrating a hardware configuration of the server in the embodiment. FIG. 3 is a diagram illustrating a hardware configuration of the terminal in the embodiment. FIG. 4 is a diagram illustrating a functional configuration of the server according to the embodiment. FIG. 5 is a diagram illustrating a functional configuration of the terminal according to the embodiment. FIG. 6 is a diagram illustrating an example of the purchase information table. FIG. 7 is a diagram illustrating a purchase condition setting screen of the terminal. FIG. 8 is a diagram illustrating an arrival notification screen of the terminal. FIG. 9 is a diagram illustrating a purchase approval screen of the terminal. FIG. 10 is a diagram illustrating an overall operation flow of the purchase approval process in the information processing system according to the embodiment. FIG. 11 is a flowchart illustrating the flow of purchase approval processing in the server.

  Hereinafter, embodiments of the present invention (hereinafter also referred to as “present embodiments”) will be described with reference to the drawings. The embodiment described below shows an example for carrying out the present invention, and the present invention is not limited to a specific configuration described below.

  In the present embodiment, for example, when a child is allowed to attend, a parent sets conditions (hereinafter also referred to as purchase conditions) such as the contents of shopping, the store to be used, and the purchase price. The set purchase conditions are held in the server. The parent causes a child to have a card that can be settled for a purchase that satisfies the purchase condition, and then goes shopping. Purchase information including information on a product or service that a child intends to purchase is acquired from a store server that manages the product information in the store, and is transmitted to the server via a card. The server executes a payment process when the received purchase information satisfies the purchase condition. Hereinafter, a person who requests shopping from a child or an elderly person as a payer is referred to as an administrator. A person who receives a card from an administrator and goes shopping is called a user.

<System configuration>
FIG. 1 is a diagram illustrating a configuration of an information processing system including a server according to the embodiment. FIG. 1 shows an information processing system 10 including a server 1 (an example of an “information processing apparatus”), a terminal 2, a card 3 (an example of a “predetermined identification medium”), and the Internet N. . The server 1 and the terminal 2 can communicate via the Internet N. Further, the card 3 can communicate with the server 1 and the terminal 2 via the Internet N by being read by, for example, a card reader 31 provided in the store.

  The server 1 is a computer installed by an issuing company or the like of the card 3 and holds purchase conditions at the time of settlement using the card 3. The purchase conditions are set by the administrator. When the user pays with the card 3, the server 1 receives purchase information from the card 3 and executes a payment process when the purchase information satisfies the purchase condition.

  The terminal 2 is a terminal such as a mobile phone, a smart phone, or a personal computer (PC, Personal Computer) that can be used by an administrator. The administrator sets purchase conditions for shopping requested to the user for the terminal 2. The set purchase conditions are transmitted to the server 1. Further, the terminal 2 receives a notification that the user with the card 3 has approached the store or entered the store, and notifies the manager. Furthermore, the terminal 2 receives purchase information when the user intends to pay with the card 3. The administrator confirms and approves the purchase information received by the terminal 2.

  The card 3 is used for payment of shopping at a store by a user who is asked to shop. The card 3 has a unique identifier, and is linked to the manager's account number or credit card number by the identifier. When a user purchases a product or the like with the card 3, the purchase price is withdrawn from an account associated with the card 3 or settled with a credit card associated with the card 3. When the card 3 is a prepaid card, the purchase price is settled from the charged amount.

  The card 3 is, for example, a prepaid IC (Integrated Circuit) card or a magnetic card. The card 3 may be a medium on which the identifier of the card 3 is recorded by QR code (registered trademark) or bar code. In this case, the card 3 is settled from an account or a credit card associated with the identifier. Furthermore, the card 3 is not limited to a card-type medium, and may be an electronic device such as a mobile phone or a smartphone. In this case, for example, the electronic device corresponding to the card 3 holds the QR code including the identifier information over the card reader 31 in a state where the QR code is displayed on the display unit, so that the account or credit associated with the recognized identifier is displayed. You can settle from the card. Also, the electronic device corresponding to the card 3 stores the information of the identifier in advance and communicates with the server 1 or the terminal 2 directly via the Internet N without being read by the card reader 31, and from the charge amount or account, etc. You can settle. Further, the card 3 may store biometric information such as a face, a vein, and a fingerprint, and the user may be authenticated by the biometric information. By providing the card 3 with a user authentication function, security against unauthorized use is improved.

  The Internet N is a world-wide public packet communication network, and connects a server 1, a terminal 2, a card reader 31 for reading a card 3, and the like to each other. Instead of the Internet N, a WAN (Wide Area Network) or other communication network may be employed.

<Hardware configuration>
FIG. 2 is a diagram illustrating a hardware configuration of the server in the embodiment. The server 1 includes a CPU (Central Processing Unit) 11, a RAM (Random Access Memory) 12, a ROM (Read Only Memory) 13, an auxiliary storage device 14, an NIC (Network Interface Controller) 15 connected to the Internet via a gateway and the like. It is a computer provided with. The server 1 may be realized by a dedicated processor, a dedicated circuit, or the like instead of a general-purpose processor such as the CPU 11.

  The CPU 11 is a central processing unit, and controls the RAM 12, the auxiliary storage device 14 and the like by processing instructions and data of various programs developed in the RAM 12 and the like. The RAM 12 is a main storage device and is controlled by the CPU 11 to write and read various commands and data. The ROM 13 is read-only, and stores BIOS (Basic Input / Output System) and firmware as a main storage device. The auxiliary storage device 14 is a non-volatile storage device, and information required to be persistent such as various programs loaded in the RAM 12 is written and read out. The auxiliary storage device 14 is, for example, an EEPROM (Electrically Erasable Programmable Read-Only Memory), an HDD (Hard Disk Drive), or the like. The auxiliary storage device 14 stores information related to purchase conditions set by the administrator, a program for executing processing for determining whether the purchase information satisfies the purchase conditions, and the like.

  FIG. 3 is a diagram illustrating a hardware configuration of the terminal in the embodiment. The terminal 2 is a computer including a CPU 21, a RAM 22, a ROM 23, an auxiliary storage device 24, a NIC 25, an input unit 26, and a display unit 27. Note that the terminal 2 may be realized by a dedicated processor, a dedicated circuit, or the like instead of a general-purpose processor such as the CPU 21.

  The input unit 26 receives an input for setting purchase conditions when paying with the card 3 from the administrator. The input unit 26 is, for example, a touch pad, a pointing device such as a mouse or a touch panel, a keyboard, an operation button, or the like. The display unit 27 displays a notification that the user has arrived at the store, or purchase information about the contents of a product or service that the user intends to purchase. The display unit 27 is, for example, a liquid crystal display (LCD).

  In the case where the card 3 is an electronic device such as a smartphone, the hardware configuration similar to that of the terminal 2 shown in FIG.

<Functional configuration>
(Functional configuration of server)
FIG. 4 is a diagram illustrating a functional configuration of the server according to the embodiment. The server 1 reads out the program stored in the auxiliary storage device 14 to the RAM 12 and executes it by the CPU 11, whereby the purchase management database D 11, the purchase condition reception unit F 11, the identification medium management unit F 12, the payment processing unit. It functions as a computer provided with F13.

  In the present embodiment, each function of the server 1 is executed by the CPU 11 that is a general-purpose processor. However, part or all of these functions are performed by one or more dedicated processors, hardware arithmetic circuits, and the like. May be executed. Here, the hardware arithmetic circuit refers to, for example, an adder circuit, a multiplier circuit, a flip-flop, etc. combined with logic gates. Some or all of these functions may be executed by a separate computer.

  The purchase management database D11 is a database for storing purchase conditions for the card 3 set by the administrator. The purchase condition is a condition specified for a purchased item, a purchase quantity, a purchase amount, a purchase store, and the like, for example. The purchase conditions are associated with the identifier of the card 3 and stored in the purchase management database D11. The purchase management database D11 is constructed by a database management system (DBMS) program executed by the CPU 11 managing data stored in the auxiliary storage device 14. The purchase management database D11 is, for example, a relational database. The purchase management database D11 has a purchase information table.

  The purchase condition receiving unit F11 receives the purchase condition set and input by the terminal 2. The purchase condition receiving unit F11 stores the received purchase conditions in the purchase information table. The purchase condition reception unit F11 is an example of a “reception unit”.

  The identification medium management unit F12 receives the position information from the card 3 and transmits the received position information of the card 3 to the terminal 2. The position information of the card 3 can be acquired by a GPS (Global Positioning System) function when the card 3 is an electronic device such as a smartphone. In addition, when the card 3 passes through the security gate installed in the store, the identification medium management unit F12 sends a notification that the user of the card 3 has entered the store from the system that manages the security gate. You may make it receive. The identification medium management unit F12 transmits the received position information of the card 3 to the terminal 2. Note that the identification medium management unit F12 may transmit the position information of the card 3 when there is a request for acquisition of the position information of the card 3 from the terminal 2. The identification medium management unit F12 is an example of a “notification unit”.

  The payment processing unit F13 acquires purchase information such as the price and the number of items via the card 3 when the user intends to purchase the item at the store he / she visited. The payment processing unit F13 determines whether or not the acquired purchase information satisfies the purchase conditions stored in the purchase information table. Note that the payment processing unit F13 uses the identifier of the card 3 possessed by the user to specify the purchase condition associated with the card 3 and obtains it from the purchase information table. The payment processing unit F13 is an example of “processing means”.

(Functional configuration of terminal)
FIG. 5 is a diagram illustrating a functional configuration of the terminal according to the embodiment. The terminal 2 functions as a terminal including a purchase condition setting unit F21 and a purchase condition transmission unit F22 by reading a program stored in the ROM 23 and the auxiliary storage device 24 into the RAM 22 and executing the program by the CPU 21. In the present embodiment, each function of the terminal 2 is executed by the CPU 21 that is a general-purpose processor. However, part or all of these functions are performed by one or more dedicated processors, hardware arithmetic circuits, and the like. May be executed.

  The purchase condition setting unit F21 receives an input for setting purchase conditions for the card 3 from the administrator. The purchase condition setting unit F21 is an example of “input means”. The purchase condition transmission unit F22 transmits the purchase conditions set by the purchase condition setting unit F21 to the server 1. The purchase condition transmission unit F22 is an example of a “transmission unit”.

(Purchasing information table)
FIG. 6 is a diagram illustrating an example of the purchase information table. The purchase information table stores purchase conditions set for the card 3 and is used to determine whether or not the purchase information notified to the server 1 when paying with the card 3 satisfies the purchase condition. . In FIG. 6, the record of the purchase information table has fields of terminal ID, identification medium ID, withdrawal source, balance, designated date / time, designated release date, purchase condition, and condition value.

  The terminal ID is an identifier for identifying the terminal 2. The terminal 2 may be able to set purchase conditions for a plurality of cards 3. In this case, the purchase information table includes records associated with the terminals 2 associated with the plurality of cards 3. The identification medium ID is an identifier for identifying the card 3.

  The withdrawal source is an account number from which money is withdrawn when paying with the card 3 or a credit card number for settlement. The balance is the balance of the charge amount when the card 3 is a prepaid card. When the card 3 is not a prepaid card, the balance may store the balance of the withdrawal source account. The designated date and time is the date and time when the card 3 can be used. The designated cancellation date indicates the expiration date of the card 3, and the payment processing by the card 3 is not executed after the designated cancellation date.

  The purchase condition is an item for specifying a condition value. Stores items corresponding to purchase conditions set by the administrator. The condition value is a condition value for the item specified in the purchase condition field. In FIG. 6, for example, in the first record, payment is approved when milk as food is 150 yen or less. In the fourth record, payment is approved when the purchasing store is a Z supermarket.

  Note that the fields shown in FIG. 6 are examples, and the fields included in the purchase management table can be added, changed, and deleted as appropriate according to the purchase conditions to be set. In FIG. 6, one record stored in the purchase information table indicates a condition value for one item of purchase conditions. A terminal ID, an identification medium ID, a withdrawal source, a balance, a specified date and time common to each record. The field for the designation cancellation date may be managed in a separate table.

<Screen example of terminal>
7 to 9 show screen examples of the terminal 2. FIG. 7 is a diagram illustrating a purchase condition setting screen of the terminal. The purchase condition setting screen is a screen for inputting purchase conditions for the server 1 to determine whether or not purchase is possible for the shopping requested to the user. The purchase condition setting screen of FIG. 7 shows an amount setting field SC11, a destination setting field SC12, a purchase setting field SC13, and a send button SC14.

  The amount setting column SC11 is an input column for inputting the upper limit amount of shopping. The amount setting field SC11 is not limited to the case where the amount is directly input, and the amount setting field SC11 may be easily input by selecting from a preset amount. The destination setting column SC12 is an input column for inputting a store as a shopping destination. The destination store can be specified by, for example, a telephone number. In the destination setting column SC12, the store name “XX store” may be displayed by inputting the phone number of the store, as shown in FIG. The shopping item setting column SC13 is an input column for inputting a product for which shopping is requested. The product to be purchased may be selected and input from products associated with a product code that identifies the product in advance. Moreover, the column which inputs an upper limit amount for every goods may be provided. In each input field, past purchase conditions acquired from the purchase information table may be displayed in advance. By displaying the past purchase conditions in advance, the administrator can easily set the purchase conditions. The send button SC14 is a button for sending purchase conditions input in each input field to the server 1.

FIG. 8 is a diagram illustrating an arrival notification screen of the terminal. The arrival notification screen is a screen for notifying whether or not the user of the card 3 requested to shop by the administrator has arrived at the destination store set on the purchase condition setting screen of FIG. For example, when the card 3 is an electronic device such as a smartphone, whether or not the user has arrived at the destination store is confirmed by acquiring the position information of the user by the GPS function. Further, whether the user has arrived at the destination store or not is determined such that information on whether the user has passed through the security gate installed in the store is transmitted to the server 1 from the system that manages the security gate. Good.

  For example, when the server 1 acquires the position information of the user holding the card 3 at a predetermined interval by the GPS function and the card 3 passes the security gate of the store, the timing for notifying whether or not the arrival has been made is used. This is a time when the manager's current position coincides with the position of the store, and reaches the area designated by the administrator (such as an area where the distance to the destination store is a predetermined threshold or less). The timing for notifying whether or not the user has arrived may be when the user holds the card 3 over a card reader installed in the store. Furthermore, when the card 3 is an electronic device such as a smartphone, the user may be notified when the user contacts the administrator. In this case, a report screen for notification can be prepared in advance on the electronic device.

  FIG. 8A illustrates a notification screen when arriving at a set destination store. In the notification message column SC21, a message indicating that the user has arrived at the destination store is displayed. FIG. 8B illustrates a notification screen when entering a store other than the set destination store. In the notification message column SC22, a message indicating that the user has not arrived at the destination store is displayed. When the position information of the user is acquired by the GPS function, the notification screen may display the map SC23 and indicate the current position SC231 of the user. Note that the notification screen is not limited to the items shown in FIG. 8A and FIG. 8B, and the store name, store category, current location, nearest store, and means for contacting the user. Etc. may be displayed.

  FIG. 9 is a diagram illustrating a purchase approval screen of the terminal. The purchase approval screen is a screen for displaying whether or not the purchase information related to the product that the user intends to purchase is displayed and for the administrator to approve. The purchase approval screen of FIG. 9 includes a purchase condition column SC31 indicating whether or not a product to be purchased by the user satisfies the purchase condition, a product name SC32, a price SC33, a number SC34, and an approval check column SC35. As shown.

  In the purchase condition column SC31, “◯” is displayed when the corresponding product satisfies the purchase condition, and “X” is displayed when it does not satisfy the purchase condition. As shown in FIG. 9, it may be displayed preferentially from products satisfying the purchase conditions. It should be noted that whether or not the purchase condition is satisfied is not limited to the case where the purchase condition column SC31 is used for discrimination, but may be made distinguishable by changing the display form such as a font. Moreover, you may make it display preferentially the goods which the user has not purchased with the goods set by purchase conditions. At this time, products that are not purchased by the user are displayed for each date when a request is received from the administrator, or are displayed separately according to the period after the purchase request is received and the number of requests from the administrator. You may do it. The product that has not been purchased by the user may be displayed with a different display form from the product to be purchased, or may be displayed on a separate screen.

  Further, an approval button SC36 is shown on the purchase approval screen. The approval button SC36 is a button for transmitting approval / disapproval for purchase of each product to the server 1. The administrator checks the approval check column SC35 for the product approved for purchase and presses the approval button SC36. Although FIG. 9 shows an example of a screen for approving whether or not purchase is possible for each product, the purchase information of each product may be approved collectively.

<Operation flow>
FIG. 10 is a diagram illustrating an overall operation flow of the purchase approval process in the information processing system according to the embodiment. In the flow of operations described here, the administrator sets purchase conditions related to shopping requested from the user from the terminal 2. When the user who has received the card 3 arrives at the store, the manager receives an arrival notification from the terminal 2. When the user makes a payment for shopping with the card 3, the administrator receives purchase information from the terminal 2, confirms the content of the purchase information, and approves it. Note that the contents and order of the operations described in FIG. 10 are examples, and it is preferable to appropriately adopt the contents and order of the actions as appropriate for the embodiment.

  In step T1, the terminal 2 displays a purchase condition setting screen and accepts purchase condition settings from the administrator. The terminal 2 transmits the set purchase conditions to the server 1. In step S <b> 1, the server 1 receives purchase conditions from the terminal 2. The server 1 stores the received purchase conditions in the purchase information table. Further, the server 1 transmits purchase conditions to the card 3. In step C1, the purchase conditions are registered in the card 3 by a card writer or the like that has received the purchase conditions from the server 1. Further, when the identification medium ID is stored in advance in the card 3, the card 3 does not register the purchase condition and acquires the purchase condition associated with the identification medium ID of the card 3 from the purchase information table of the server 1. It may be.

  The user who receives the card 3 from the manager goes to the destination store. In step C2, when the user arrives at a store to shop, the card 3 notifies the server 1 of the location information of the current location of the user and the information of the arrived store. In step S2, the server 1 determines whether or not the store where the user arrives is the destination store set as the purchase condition in step T1. The server 1 transmits the determination result to the terminal 2. When the card 3 is an electronic device such as a smartphone, the electronic device (card 3) acquires purchase conditions from the server 1, and whether or not the store where the user arrives is the destination store. May be determined. In this case, the server 1 transmits the determination result received from the electronic device (card 3) to the terminal 2. In step T2, the terminal 2 displays the contents of the arrival notification received from the server 1 on the arrival notification screen. Note that if the administrator is not notified of whether or not the user has arrived at the destination store, the processes of Step C2, Step S2, and Step T2 are omitted.

  The user takes the product for which shopping is requested to the cash register. In step C 3, information on purchase contents read by a POS (Point of sale system) terminal or the like is notified to the server 1 via the card 3. In step S3, the server 1 determines whether or not the purchase content notified from the card 3 matches the condition of the product or the like input in the shopping setting in step T1 and is correct. The server 1 transmits the determination result to the terminal 2. In step T3, the terminal 2 receives from the server 1 a purchase content and a notification as to whether the purchase content satisfies the purchase condition.

  In step T4, the terminal 2 displays the purchase content received from the server 1 and whether or not the purchase content satisfies the purchase condition on the purchase approval screen. The administrator confirms and approves the purchase content displayed on the purchase approval screen. The terminal 2 transmits the approval result to the server 1. In step S4, the server 1 receives the approval result. The server 1 performs payment processing for the purchase amount from the withdrawal source account according to the approval result. The server 1 notifies the card 3 that the payment process has been performed. In step C4, the card 3 completes the settlement by the payment process of the server 1.

  When the card 3 is a prepaid card, in step C5, the card 3 notifies the server 1 of the balance of the charged amount after the settlement in step C4. In step S5, the server 1 returns the balance of the card 3 to the withdrawal source account. The refund process in step S5 may be executed in response to an instruction from the terminal 2 by the administrator in step T5. Note that if the payment by the card 3 is not a prepaid method, the processes of Step C5, Step S5, and Step T5 are omitted.

  FIG. 11 is a flowchart illustrating the flow of purchase approval processing in the server. This processing flow starts when the purchase conditions set by the administrator in the terminal 2 are transmitted to the server 1.

  First, in step S101, the purchase condition receiving unit F11 receives purchase conditions set by the administrator from the terminal 2. The purchase condition receiving unit F11 stores the received purchase condition in the purchase information table in association with the identification medium ID of the card 3 in which the purchase condition is set.

  Next, in step S102, the identification medium management unit F12 receives a notification as to whether or not the card 3 has arrived at the destination store. Specifically, the identification medium management unit F12 determines whether the store where the user arrived, such as the location information of the current location of the user from the card 3 and the information of the store that arrived, is the destination store designated as the purchase condition. Information for determining whether or not is received. When a notification indicating whether or not the card 3 has arrived at the destination store is received (S102; YES), the process proceeds to step S103. When the notification of whether or not the card 3 has arrived at the destination store is not received (S102; NO), the process returns to step S102.

  In step S <b> 103, the identification medium management unit F <b> 12 transmits information indicating whether the user has arrived at the destination store to the terminal 2. Specifically, the identification medium management unit F12 determines whether or not the store where the user has arrived is the destination store specified as the purchase condition, and transmits the determination result to the terminal 2. The determination result is displayed on the terminal 2, and the manager confirms whether or not the user has arrived at the destination store.

  Next, in step S <b> 104, the payment processing unit F <b> 13 receives purchase information from the card 3. The purchase information is sent to the server 1 via the card reader 31 that has read the card 3 when the user takes the product to be purchased to the cash register and performs payment processing with the card 3. If purchase information is received from the card 3 (S104; YES), the process proceeds to step S105. If purchase information is not received from the card 3 (S104; NO), the process returns to step S104.

  In step S105, the payment processing unit F13 determines whether or not the purchase information received from the card 3 satisfies the purchase condition with reference to the purchase information table. The payment processing unit F13 transmits purchase information to the terminal 2 together with the determination result. In the terminal 2, the purchase approval screen shown in FIG. 9 is displayed, and the administrator approves the purchase information. The approval result is transmitted to the server 1.

  In step S106, the payment processing unit F13 receives the purchase information approval result from the terminal 2, and the process proceeds to step S107.

  In step S107, the payment processing unit F13 performs settlement for the product approved by the administrator. For example, the payment processing unit F13 executes the payment process by reducing the purchase amount of the approved product from the account or charge amount of the withdrawal source. The payment processing unit F13 notifies the card 3 that the payment processing for the approved merchandise has been completed, and the purchase approval processing shown in FIG. 11 ends.

  In the present embodiment described above, since the manager can hand over the card 3 that can be purchased to satisfy the purchase conditions to a child or an elderly person and can ask for shopping, cashless shopping is possible, so Financial damage due to loss is avoided. Further, since purchases that do not satisfy the purchase conditions are avoided, security against unauthorized use is improved. In addition, because payment processing is performed only when approved by the administrator, the administrator monitors the user's purchases to reduce wasteful purchases and suppress the possibility of money being used for unexpected payments. be able to.

  In addition, when the user who has the card 3 arrives at the destination store, the server 1 notifies the administrator terminal 2 that the user has arrived, so that the administrator has reached the store. It is possible to know the user's action range, and to ensure approval at the time of settlement without delay.

  In addition, when the card 3 is a prepaid medium in which a predetermined amount is charged from an account, the amount of payment can be limited within the range of the predetermined amount charged, and money is used for unexpected payments. The possibility is suppressed. In addition, by charging the balance back to the account, the charged money can be prevented from being wasted.

  10. Information processing system: 1. Server: 2. Terminal: 3. Card: 31. Card reader: 11, 21. CPU: 12, 22. RAM: 13, 23. ROM: 14. Auxiliary storage devices: 15, 25, NIC: 26, input unit: 27, display unit

Claims (9)

Accepting means for accepting purchase conditions set by an administrator of an account linked to a predetermined identification medium;
When the purchase information notified in relation to the purchase behavior of the user who has deposited the predetermined identification medium from the administrator satisfies the purchase condition, payment processing for purchase based on the purchase information from the account is performed. Processing means,
Information processing device. The processing means further performs the payment process when the manager approves the purchase information.
The information processing apparatus according to claim 1. A notification means for notifying the manager that the user has reached the store when the predetermined identification medium reaches a predetermined area including the store visited by the user;
The information processing apparatus according to claim 1 or 2. The processing means, when the predetermined identification medium is a prepaid medium that is charged with a predetermined amount from the account, payment processing for purchase based on the purchase information from the amount charged to the predetermined identification medium I do,
The information processing apparatus according to any one of claims 1 to 3. The processing means returns the balance of the amount charged to the predetermined identification medium to the account at a predetermined timing after the payment processing,
The information processing apparatus according to claim 4. The purchase conditions are set based on purchase conditions set in the past.
The information processing apparatus according to any one of claims 1 to 5. An information processing system comprising a server, a predetermined identification medium, and a terminal that manages the predetermined identification medium,
The server
Receiving means for receiving purchase conditions set by an administrator of an account linked to the predetermined identification medium;
When the purchase information notified in relation to the purchase behavior of the user who has deposited the predetermined identification medium from the administrator satisfies the purchase condition, payment processing for purchase based on the purchase information from the account is performed. A processing means,
The terminal
Input means for receiving setting input of the purchase conditions from the administrator;
Transmitting means for transmitting the accepted purchase conditions to the server,
Information processing system. Computer
An accepting step of accepting purchase conditions set by an administrator of an account linked to a predetermined identification medium;
When the purchase information notified in relation to the purchase behavior of the user who has deposited the predetermined identification medium from the administrator satisfies the purchase condition, payment processing for purchase based on the purchase information from the account is performed. Processing steps, and
Information processing method. On the computer,
An accepting step of accepting purchase conditions set by an administrator of an account linked to a predetermined identification medium;
When the purchase information notified in relation to the purchase behavior of the user who has deposited the predetermined identification medium from the administrator satisfies the purchase condition, payment processing for purchase based on the purchase information from the account is performed. Processing steps, and
Information processing program.

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