JP2019087081A - Wallet management system, wallet management method, and wallet management program - Google Patents

Abstract

To provide a wallet management system which uses a mobile terminal for efficient transaction, a wallet management method, and a wallet management program.SOLUTION: A mobile terminal 10 includes a control unit 11 to be connected to a bank server 40 which manages an account of a user opened in a financial institution. The control unit 11 acquires location information of the user, specifies an available medium on the basis of the location information, acquires state of use of the available media when multiple available media are specified, specifies, in the available media, a settlement medium to be used for settlement on the basis of the state of use, and executes settlement request settlement processing on the bank server 40 when a settlement medium using an account is specified.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a wallet management system, a wallet management method, and a wallet management program for conducting transactions using a mobile terminal.

  Today, a technique for making a payment at the time of purchase of a product or the like is being studied using a portable terminal owned by a user (see, for example, Patent Documents 1 and 2). In the technology described in Patent Document 1, the portable terminal receives the product purchase price output from the store terminal, and requests credit payment for the product purchase price. The credit server having received the request for the credit settlement from the portable terminal performs the credit settlement and instructs the electronic money server to issue electronic money of the credit settlement amount. The electronic money server issues electronic money based on an instruction from the credit server, and transmits electronic money of the credit settlement amount to the portable terminal. Then, when the portable terminal receives the electronic money of the credit settlement amount, it outputs it to the store terminal.

  In the technology described in Patent Document 2, when a customer purchases a product, the dedicated application is activated on his / her customer terminal, and if the purchase price is input to the POS terminal of the cash register of the store, the POS terminal Reads the card information registered in the customer terminal, and transmits the card information and the purchase information to the card settlement management server. The server periodically acquires the benefit information for each card, extracts the benefit information on the card transmitted from the POS terminal from the benefit information of the card acquired by the server, and displays the information for each card on the screen of the customer terminal Display the privilege information of. At this time, the recommended order of the cards is judged and displayed. When the customer selects a card to be used for payment from this screen, a two-dimensional barcode is displayed on the screen, and when the screen is held over the POS terminal, payment is completed.

JP, 2013-80356, A Unexamined-Japanese-Patent No. 2017-130092

  In the technology described in Patent Document 1 above, use of a credit card is premised. However, some users may not have a credit card. In this case, payment using the mobile terminal can not be performed. Further, in the technology described in Patent Document 2, since the card is selected while communicating with the POS terminal, efficient settlement can not be performed.

  The wallet management system which solves the said subject is provided with the control part connected to the financial institution server which manages the user's account established in the financial institution. Then, when the control unit acquires the position information of the user, identifies the available medium based on the position information, and identifies a plurality of available media, the use status of the available medium is In the available medium, the settlement medium to be used for settlement is specified based on the usage status, and when the settlement medium using the account is specified, the settlement request processing is executed to the financial institution server Do.

  ADVANTAGE OF THE INVENTION According to this invention, it can trade efficiently using a portable terminal.

Explanatory drawing of the wallet management system of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment.

Hereinafter, an embodiment in which the wallet management system, the wallet management method, and the wallet management program are embodied will be described with reference to FIGS. 1 to 3. In the present embodiment, management of a wallet (electronic payment medium) for making a payment using a portable terminal to a customer (user) of a financial institution is assumed. A plurality of payment media can be recorded in this wallet. As the payment medium, electronic money, a cash card (debit card), a credit card or the like can be used.
Here, as shown in FIG. 1, the mobile terminal 10, the shop terminal 20, the relay server 30, and the bank server 40 connected via a network are used.

  The mobile terminal 10 is a computer terminal used by a customer who has opened an account at a financial institution. The mobile terminal 10 is connected to the shop terminal 20 via wireless communication. For example, a near field radio communication (NFC) scheme can be used for this wireless communication. The portable terminal 10 includes a control unit 11, a memory 12, a position information acquisition unit 13, and a touch panel display 14.

  The control unit 11 includes control means (CPU, RAM, ROM, etc.), and performs processes (such as settlement process, evaluation process, accounting process, etc.) described later. Therefore, a wallet application and an accounting application are stored in the mobile terminal 10. The control unit 11 functions as a settlement processing unit 111 by activating the wallet application. Further, the control unit 11 functions as the evaluation processing unit 112 and the accounting processing unit 113 by activating the accounting application.

The settlement processing unit 111 executes settlement processing such as payment for payment when the user performs a transaction. For this payment, the payment medium stored in the wallet is selected and used.
The evaluation processing unit 112 executes a process of evaluating the deposit and withdrawal status of the user. The evaluation processing unit 112 holds data on a reference amount for determining overuse of money. This standard amount is a limit amount that can be used to achieve a target amount for which storage is desired in a predetermined period (target period), for regular deposits and withdrawals. In this case, with respect to regular payment and withdrawal, the cash payment pattern corresponding to the time is used. For regular payment, for example, the payment time with salary and bonus, and for regular withdrawal, for example, storage of utility charges, tax payment, payment and withdrawal patterns such as the year-end and New Year holidays.

  The accounting processing unit 113 performs accounting management processing based on the deposit and withdrawal information. The accounting processing unit 113 holds an expense item table for classifying expenses as payment recipients and payment items of payment and withdrawal.

The memory 12 is provided with a store information storage area 121, a wallet information storage area 122, a payment history information storage area 123, and an accounting information storage area 124.
In the store information storage area 121, a store management record is recorded. This store management record is recorded when a store that can use a wallet is registered. The store management record is configured to include data on a store code, a store attribute, a store position, and an available medium.

In the store code data area, data relating to an identifier for specifying each store that can use the wallet is recorded.
In the shop attribute data area, data concerning the shop attribute is recorded. As the store attribute, type (restaurant, convenience store, supermarket, etc.), affiliated store information, etc. can be used.

Data on information (address, latitude and longitude, etc.) for specifying the location of the store is recorded in the store position data area.
In the available medium data area, data relating to an identifier for specifying a card (payment medium) available in the store is recorded.

  In the wallet information storage area 122, a payment medium management record is recorded. This settlement medium management record is recorded when the settlement medium usable by the user is registered. The settlement medium record is configured to include data on a medium type, an issuer, a medium code, and a balance.

  In the medium type data area, data relating to an identifier for specifying the type of payment medium is recorded. As the payment medium, for example, electronic money, a cash card, a credit card, etc. are recorded.

  In the issuer data area, data relating to an identifier for identifying the issuer of the payment medium is recorded. For example, the issuer of electronic money, the name of a bank, the name of a credit company, etc. are recorded.

In the medium code data area, data relating to an identifier for identifying a payment medium is recorded. For example, in the case of electronic money, user specific information, an account number in the case of a cash card, a card number in the case of a credit card, etc. are recorded.
In the balance data area, data relating to the charge balance of the prepaid settlement medium is recorded.

  In the payment history information storage area 123, payment history management records are recorded. This settlement history management record is recorded when settlement in the transaction is completed. The settlement history management record is configured to include data on the settlement number, the medium code, the shop code, the settlement date and time, and the amount.

In the settlement number data area, data on an identifier for identifying each settlement is recorded.
In the medium code data area, data relating to an identifier for specifying the settlement medium used for the settlement is recorded.

In the shop code data area, data relating to an identifier for specifying the shop which has made the settlement is recorded.
In the settlement date and time data area, data regarding the date and time when the settlement is completed is recorded.
In the amount data area, data relating to the settlement amount in the transaction is recorded.

  An accounting management record is recorded in the accounting information storage area 124. This accounting management record is recorded when the deposit and withdrawal information used for accounting is acquired. The accounting management record includes data on deposit and withdrawal date, payee, payee, amount, and journal entry.

In the deposit / withdrawal date data area, data regarding the date of deposit / withdrawal is recorded.
In each of the payee and depositor data areas, data relating to an identifier for identifying the payee and depositor of the payment is recorded.

In the amount data area, data relating to the amount of payment is recorded.
In the journal data area, data relating to an identifier for identifying the classification of deposit and withdrawal is recorded.

  The position information acquisition unit 13 acquires the position information of the mobile terminal 10 by using, for example, a GPS (Global Positioning System) function. In addition, the method of acquiring location information is not limited to the use of the GPS function, and any method may be used as long as the access location can be specified. For example, it is also possible to use address information (sender IP address) of a network used for access.

The touch panel display 14 functions as an output unit that outputs information on a screen, and an input unit that inputs information by a touch operation or the like.
The store terminal 20 wirelessly communicates with the mobile terminal 10 to acquire information necessary for settlement of a transaction (for example, product purchase). Then, the shop terminal 20 acquires, from the mobile terminal 10, a token related to the payment medium.

  The relay server 30 is a computer system that relays communication between the shop terminal 20 and a financial institution server such as the bank server 40 or a credit company server. For example, "Credit And Finance Information Switching system (CAFIS)" (registered trademark) is used. When using a cash card at the time of settlement, the relay server 30 specifies the account of the user based on the token acquired from the shop terminal 20, and transmits a settlement request to the bank server 40. Then, when the account withdrawal (settlement) is performed by the bank server 40, the relay server 30 acquires a settlement result notification from the bank server 40, and accumulates the transaction result to which the settlement number is assigned. The transaction results include data on settlement number, transaction date, store code, transaction amount, and financial institution code. Then, the relay server 30 returns a transaction result notification to the shop terminal 20.

  The bank server 40 is a host system (financial institution server) of a bank that manages customer accounts. For this reason, the bank server 40 includes an account information storage unit that stores the account balance of each user account. The bank server 40 deducts the settlement price from the account of the user based on the settlement request acquired from the relay server 30. Then, the bank server 40 provides the relay server 30 with the settlement result notification. The relay server 30 transfers the settlement result notification to the shop terminal 20.

(Processing at the time of settlement)
The settlement process will be described with reference to FIG. When making a payment using the digital wallet of the mobile terminal 10, the wallet application is activated.

  First, the control unit 11 of the portable terminal 10 executes a process of specifying the current position (step S1-1). Specifically, the payment processing unit 111 of the control unit 11 acquires current location information from the position information acquisition unit 13.

  Next, the control unit 11 of the mobile terminal 10 executes a shop identification process based on the position information (step S1-2). Specifically, the payment processing unit 111 of the control unit 11 specifies the visited store by extracting the store management record in which the current location information is registered as the store position from the store information storage area 121 of the memory 12 .

  Next, the control unit 11 of the portable terminal 10 executes a process of specifying the usable medium in the store (step S1-3). Specifically, the payment processing unit 111 of the control unit 11 acquires the available medium type recorded in the identified store management record.

  Next, the control unit 11 of the portable terminal 10 executes a process of specifying a payment medium candidate (step S1-4). Specifically, in the payment medium management record recorded in the wallet information storage area 122 of the memory 12, the payment processing unit 111 of the control unit 11 settles all medium types included in the available medium types. Identify as a media candidate.

  Next, the control unit 11 of the portable terminal 10 executes a payment medium selection process (step S1-5). Specifically, the settlement processing unit 111 uses the settlement history information storage area 123 of the memory 12 to acquire the settlement history record in which the store code is used in the latest predetermined period. Then, the settlement processing unit 111 assigns high priority to cards having a large number of times of use based on the acquired settlement history record, and arranges the cards in this order. Then, the payment processing unit 111 outputs the payment medium candidate to the touch panel display 14. In this case, the user uses touch panel display 14 to select a desired card among payment medium candidates. Here, it is assumed that a cash card is selected. In this case, the payment processing unit 111 acquires the medium code of the selected medium type from the wallet information storage area 122 of the memory 12.

  Next, the control unit 11 of the portable terminal 10 executes a settlement request process (step S1-6). Specifically, the settlement processing unit 111 of the control unit 11 transmits a transaction request to the shop terminal 20 using wireless communication. This transaction request includes a token including the medium code (account number) of the selected payment medium (cash card). In this case, the shop terminal 20 transmits a settlement request to the relay server 30. The settlement request includes the transaction amount at the store, the store code, and the token acquired from the portable terminal 10. In this case, the relay server 30 acquires an account number from the token. Then, the relay server 30 transmits a settlement request to the bank server 40. This settlement request includes data on account number and transaction amount.

  The bank server 40 that has acquired the settlement request from the relay server 30 executes an account balance acquisition process (step S1-7). Specifically, the bank server 40 acquires balance information of the account of the account number included in the settlement request.

  Next, the bank server 40 executes a determination process as to whether settlement is possible (step S1-8). Specifically, the bank server 40 compares the transaction amount with the account balance. Then, when there is an account balance equal to or more than the transaction amount, it is determined that settlement is possible.

  When it is determined that settlement is possible (in the case of “YES” in step S1-8), the bank server 40 executes account withdrawal processing (step S1-9). Specifically, the bank server 40 deducts the transaction amount from the account balance of the user and deposits it in a separate account. Then, in response to the instruction from the relay server 30, the bank server 40 deposits the funds deposited in the separate account into the account corresponding to the store code.

If it is determined that the account balance is less than the transaction amount and settlement is not possible (in the case of “NO” in step S1-8), the bank server 40 skips the account withdrawal process (step S1-9).
Then, the bank server 40 executes a payment result notification reply process (step S1-10). Specifically, the bank server 40 transmits a settlement result notification to the relay server 30. When the direct debit processing (step S1-9) is performed, the settlement result notification includes a settlement completion flag. On the other hand, when the account withdrawal process (step S1-9) is skipped, the settlement result notification includes a settlement incomplete flag. The relay server 30 that has acquired the settlement result notification including the settlement completion flag assigns a settlement number, and records the store code and the transaction amount. Then, the relay server 30 assigns a settlement number, and transmits a settlement completion notification to the shop terminal 20. The settlement completion notification includes the settlement number, the store code, the transaction date, and the transaction amount. On the other hand, the relay server 30 that has acquired the settlement result including the settlement incompletion flag transmits an error notification to the shop terminal 20. The store terminal 20 transfers the payment completion notification or the error notification to the mobile terminal 10.

  The control unit 11 of the mobile terminal 10 executes a process of acquiring the settlement result (step S1-11). Specifically, the payment processing unit 111 of the control unit 11 displays the payment result (payment completion notification or error notification) acquired from the relay server 30 on the touch panel display 14.

  Next, the control unit 11 of the mobile terminal 10 executes a determination process as to whether the payment is completed (step S1-12). Specifically, when the settlement processing unit 111 of the control unit 11 acquires a settlement completion notification, it determines that the settlement is completed.

  When it is determined that the payment is completed (in the case of “YES” in step S1-12), the control unit 11 of the mobile terminal 10 executes a recording process of the payment history (step S1-13). Specifically, the payment processing unit 111 of the control unit 11 generates a payment history record in which the payment number, the store code, the transaction amount, and the transaction date and time are recorded, and records the payment history record in the payment history information storage area 123.

  On the other hand, when the error notification is acquired and it is determined that the settlement is not completed (in the case of “NO” in step S1-12), the control unit 11 of the portable terminal 10 performs a determination process whether there is an alternative medium ( Step S1-14). Specifically, the settlement processing unit 111 of the control unit 11 confirms whether or not other settlement medium candidates remain, and determines that there is an alternative medium when other settlement medium candidates remain.

  When it is determined that there is an alternative medium (in the case of “YES” in step S1-14), the control unit 11 of the portable terminal 10 repeats the processing after the payment medium selection process (step S1-5). In this case, the settlement request process (step S1-6) corresponding to the type of settlement medium is performed.

  On the other hand, when it is determined that no other payment medium candidate remains and there is no alternative medium (in the case of "NO" in step S1-14), the control unit 11 of the portable terminal 10 executes error processing (step S1-15). Specifically, the settlement processing unit 111 of the control unit 11 outputs a message indicating that the wallet can not be used to the touch panel display 14 and ends the settlement process. In this case, for example, cash payment is made.

(Post-settlement processing)
Post-payment processing will be described with reference to FIG.
First, the control unit 11 of the mobile terminal 10 executes an acquisition process of a usage statement (step S2-1). Specifically, the evaluation processing unit 112 of the control unit 11 transmits a usage statement request to the bank server 40 via the Internet. This usage statement request includes data on the cash card account number. Then, the evaluation processing unit 112 acquires the usage statement information from the bank server 40. This usage detail information includes data on the usage detail of the account.

  Next, the control unit 11 of the portable terminal 10 executes an evaluation process of the deposit and withdrawal status (step S2-2). Specifically, the evaluation processing unit 112 of the control unit 11 compares the difference between the deposit amount of the evaluation period and the withdrawal amount with the reference amount of the evaluation period.

  Next, the control unit 11 of the portable terminal 10 executes a determination process as to whether or not it is overused (step S2-3). Specifically, the evaluation processing unit 112 of the control unit 11 determines that the use is over when the difference is lower than the reference amount.

  If it is determined that the usage is over (in the case of “YES” in step S2-3), the control unit 11 of the mobile terminal 10 executes a warning process (step S2-4). Specifically, the evaluation processing unit 112 of the control unit 11 outputs a warning screen to the touch panel display 14. This alert screen includes a message indicating that the amount of money to be paid out is high.

On the other hand, when it is determined that the use is not excessive (in the case of “NO” in step S2-3), the control unit 11 of the mobile terminal 10 skips the alerting process (step S2-4).
Next, the control unit 11 of the portable terminal 10 executes an accounting recording process (step S2-5). Specifically, the evaluation processing unit 112 of the control unit 11 provides the account processing unit 113 with the usage statement information acquired from the bank server 40. In this case, using the expense item table, the accounting processing unit 113 classifies the expense items according to the payee or payment item of the deposit or withdrawal, and creates a household account book.

As mentioned above, according to this embodiment, the effect shown below can be acquired.
(1) In the present embodiment, the control unit 11 of the portable terminal 10 performs the identification process of the current position (step S1-1), the identification process of the shop based on the position information (step S1-2), and the available media in the shop The identification process (step S1-3) and the identification process of the payment medium candidate (step S1-4) are executed. This enables efficient selection of payment media available at the store.

  (2) In the present embodiment, the control unit 11 of the portable terminal 10 executes a payment medium selection process (step S1-5). Thereby, the payment medium according to the usage frequency can be selected in the store.

  (3) In the present embodiment, the control unit 11 of the mobile terminal 10 executes a settlement request process (step S1-6). The bank server 40 executes an account balance acquisition process (step S1-7). When it is determined that settlement is possible (in the case of “YES” in step S1-8), the bank server 40 executes account withdrawal processing (step S1-9). Thereby, the settlement can be performed using the account opened in the bank via the portable terminal 10.

  (4) In the present embodiment, when it is determined that the payment is completed (in the case of “YES” in step S1-12), the control unit 11 of the mobile terminal 10 executes the recording process of the payment history (step S1-13) . Thereby, the payment history can be grasped in the portable terminal 10.

  (5) In the present embodiment, when it is determined that the payment is not completed (in the case of “NO” in step S1-12), the control unit 11 of the portable terminal 10 performs a determination process whether there is an alternative medium ( Step S1-14). Thereby, when the account balance is insufficient, settlement can be performed using another settlement medium.

  (6) In the present embodiment, the control unit 11 of the portable terminal 10 executes an acquisition process of the usage statement (step S2-1) and an evaluation process of the deposit and withdrawal status (step S2-2). If it is determined that the usage is over (in the case of “YES” in step S2-3), the control unit 11 of the mobile terminal 10 executes a warning process (step S2-4). In this way, it is possible to support deposit and withdrawal management according to the accumulation target.

The present embodiment can be modified as follows. The present embodiment and the following modifications can be implemented in combination with one another as long as there is no technical contradiction.
-In the above-mentioned embodiment, control part 11 of personal digital assistant 10 performs selection processing of a payment medium (Step S1-5). In this case, the settlement processing unit 111 arranges the cards in the order of the number of times of use based on the acquired settlement history record. Here, when the selected card is different from the frequently used card, the user may be alerted. In this case, the control unit 11 of the portable terminal 10 outputs a warning message to the touch panel display 14.

  -In the above-mentioned embodiment, control part 11 of personal digital assistant 10 performs identification processing (Step S1-4) of a payment medium candidate, and selection processing (Step S1-5) of a payment medium. Here, a default medium may be set. In this case, based on the user's designation, the default medium flag is recorded in the wallet information storage area 122 in association with the medium code, or the medium code of the default medium is recorded in the store information storage area 121. Then, in the process of identifying the available medium in the store (step S1-3), the payment processing unit 111 of the control unit 11 acquires the available medium type recorded in the identified shop management record. In this case, when the medium code of the default medium is recorded in the shop information storage area 121, this settlement medium is specified as the usable medium. If the medium code of the default medium is not recorded in the store information storage area 121, the payment processing unit 111 confirms the default medium flag in the wallet information storage area 122. If the default media flag is recorded, the payment medium of the media code associated with the default media flag is specified as the available media. In the case where default media information is not recorded in the wallet information storage area 122 and the store information storage area 121 or in the case where the default media of the wallet information storage area 122 can not be used, identification of payment medium candidates according to the current position A process is performed (step S1-4). Thereby, the settlement can be performed using a default medium in a specific store or normal use.

  -In the above-mentioned embodiment, control part 11 of personal digital assistant 10 performs identification processing of a payment medium candidate (Step S1-4). Here, privilege information of available media may be considered. In this case, an access destination for acquiring privilege information is recorded in the wallet information storage area 122. And control part 11 of personal digital assistant 10 performs acquisition processing of privilege information on an available medium, after performing identification processing (Step S1-3) of an available medium in a store. Specifically, the payment processing unit 111 of the control unit 11 acquires benefit information for each payment medium candidate from the access destination recorded in the wallet information storage area 122. Next, in the payment medium selection process (step S1-5), the control unit 11 of the portable terminal 10 displays the bonus information acquired for each payment medium candidate, including the bonus information. This enables advantageous transactions to be made at the visited store.

  -In the above-mentioned embodiment, control part 11 of personal digital assistant 10 performs identification processing of a payment medium candidate (Step S1-4). In this case, the settlement processing unit 111 arranges the settlement media in the order of the number of times of use based on the settlement history record. Here, the order of priority may be determined using settlement histories other than the number of times of use. For example, the priority may be determined based on the use time zone. In this case, the settlement processing unit 111 specifies, in the settlement history information storage area 123, the settlement history record of the time zone in which the current time is included, and gives a high priority to the settlement medium having a large number of uses. Thereby, the priority order of the payment medium candidates can be determined according to the commonality of the usage time zones.

  Also, the priority may be determined based on the area where the store is located. In this case, the payment processing unit 111 identifies the area of the visited store using the store information storage area 121. Next, the settlement processing unit 111 specifies a store management record in which the store position is included in this area. Then, the settlement processing unit 111 determines the priority based on the settlement history record in the specified store. Thereby, the priority order of payment medium candidates can be determined according to the commonality of the usage areas.

  Also, the priority may be determined based on the store attribute. In this case, the payment processing unit 111 specifies a store management record common to the store attribute of the visited store using the store information storage area 121. Then, the settlement processing unit 111 determines the priority based on the settlement history record in the specified store. Thereby, the priority order of the payment medium candidates can be determined according to the commonality of the store attributes.

Alternatively, the available media of the available payment media may be compared, and the available media which is less used may be specified as the payment media. In this case, the control unit 11 of the portable terminal 10 specifies the payment history management record of the latest predetermined period in the payment history information storage area 123, and totals the payment amount for each payment medium. Determine priorities in ascending order of aggregate amount. This makes it possible to equalize the payment amount of the payment medium candidate.
Further, future withdrawal schedule information may be acquired, and the payment medium may be specified according to the balance forecast based on the withdrawal schedule information. In this case, payment information (periodical payment amount) recorded in the accounting information storage area 124 can be used as withdrawal schedule information. Further, it is also possible to obtain withdrawal schedule information for each settlement medium account from the bank server 40 and perform balance prediction. Then, when the predicted balance is equal to or more than a predetermined reference amount, the medium is specified as the available medium.

  -In the above-mentioned embodiment, control part 11 of personal digital assistant 10 performs identification processing of a payment medium candidate (Step S1-4). Here, the priority order of the payment medium candidates may be determined based on the payment medium usage condition. In this case, in the payment medium record recorded in the wallet information storage area 122, data relating to an access destination for acquiring payment medium usage conditions and payment medium usage status is recorded. As this payment medium use condition, for example, the payment condition of the annual fee determined by the use condition of the payment medium can be used.

The settlement process will be described with reference to FIG.
First, the control unit 11 of the mobile terminal 10 repeats the following processing for each payment medium.
Here, the control unit 11 of the mobile terminal 10 executes acquisition processing of the use condition of the payment medium (step S3-1). Specifically, the settlement processing unit 111 of the control unit 11 acquires the settlement medium use condition from the access destination recorded in the settlement medium record of the wallet information storage area 122. As the payment medium usage condition, for example, the usage amount that can reduce the annual fee, and the arrival deadline of this usage amount are acquired.

  Next, the control unit 11 of the portable terminal 10 executes acquisition processing of the usage status of the payment medium (step S3-2). Specifically, the settlement processing unit 111 of the control unit 11 transmits a settlement medium use status request including the medium code to the access destination recorded in the settlement medium record. Then, the payment processing unit 111 acquires the usage status request from the access destination.

  Next, the control unit 11 of the portable terminal 10 executes a determination process as to whether the use condition can be achieved by the time limit (step S3-3). Specifically, the settlement processing unit 111 of the control unit 11 compares the settlement medium usage condition with the settlement medium usage status. If the payment medium usage condition is already satisfied, the payment medium usage candidate is excluded. On the other hand, when the payment medium usage condition is not satisfied, the payment processing unit 111 predicts the future based on the trend of the payment medium usage status in the latest predetermined period, and determines whether the payment medium usage condition is satisfied by the arrival deadline. Do. For example, an inclination is calculated from the amount of money used for a predetermined period, and it is determined from the current amount of money whether or not the payment medium usage condition may be reached by the arrival deadline if the payment medium is used with this inclination. If there is a possibility that the payment medium usage condition is satisfied from the future forecast, it is judged that the usage condition can be achieved by the deadline.

When it is determined that the use condition can be achieved by the time limit (in the case of “YES” in step S3-3), the control unit 11 of the portable terminal 10 executes a specific process as a use candidate (step S3-4). Specifically, the payment processing unit 111 of the control unit 11 records the use candidate flag in the payment medium record of the wallet information storage area 122, using this payment medium as a use candidate medium.
The above process is repeated for all payment media recorded in the wallet information storage area 122.

  Then, the control unit 11 of the portable terminal 10 executes identification processing of the current position (step S1-1) to identification processing of the usable medium in the store (step S1-3). In step S1-3, when the use medium flag is recorded in the payment medium record, the payment medium is specified as the available medium. On the other hand, when the payment medium record in which the use candidate flag is recorded can not be specified, the available medium is specified based on the store as in the above embodiment. Thus, the payment medium can be selected in consideration of the payment medium usage condition. And the process after step S1-4 is performed.

  -In the above-mentioned embodiment, control part 11 of personal digital assistant 10 performs selection processing of a payment medium (Step S1-5). Here, the payment medium is selected from the payment medium candidates displayed on the touch panel display 14. Here, the payment medium may be specified by voice recognition.

The settlement process will be described with reference to FIG.
First, the control unit 11 of the portable terminal 10 executes a process of specifying a current position (step S1-1) and a process of specifying an available medium in a store (step S1-3).

  Next, the control unit 11 of the portable terminal 10 executes a voice acquisition process (step S4-1). Specifically, the user utters a keyword for the desired payment medium. The settlement processing unit 111 of the control unit 11 converts the keyword into text by voice recognition. As the keyword, a medium type, an issuer, a medium code and the like can be used.

  Next, the control unit 11 of the portable terminal 10 executes a search process for a payment medium close to the recognition result (step S4-2). Specifically, the settlement processing unit 111 of the control unit 11 specifies a settlement medium record in which a medium type, an issuer, a medium code, and the like close to the keyword whose speech is recognized is recorded.

  Next, the control unit 11 of the portable terminal 10 executes a payment medium selection process (step S4-3). Specifically, the settlement processing unit 111 of the control unit 11 selects the settlement medium of the identified settlement medium record as the usable medium.

  -In the above-mentioned embodiment, control part 11 of personal digital assistant 10 performs processing of specifying a store based on position information (Step S1-2). Here, a shop that may be visited may be proposed. In this case, the schedule information is recorded in the memory 12 of the portable terminal 10. This schedule information includes information on the date and time of visit and the location of visit.

The proposal process of the store used will be described using FIG.
First, the control unit 11 of the mobile terminal 10 executes acquisition processing of schedule information (step S5-1). Specifically, the settlement processing unit 111 of the control unit 11 specifies the current date and time, and acquires the latest and future schedule information from the memory 12.

  Next, the control unit 11 of the portable terminal 10 executes a process of specifying a movement route based on the schedule information (step S5-2). Specifically, the settlement processing unit 111 of the control unit 11 accesses the map information site, and predicts the route of the user by performing a route search from the current location to the visited location.

  Next, the control unit 11 of the portable terminal 10 executes acquisition processing of time sale information in the vicinity of the movement route (step S5-3). Specifically, the settlement processing unit 111 of the control unit 11 specifies a store on the route from the map information site. Then, the settlement processing unit 111 collates the medium type recorded in the wallet information storage area 122 with the usable medium of each store, and specifies the shop where the user can use the settlement medium. Next, the payment processing unit 111 accesses the store site of each of the specified stores, and acquires information on the currently held time sale and the time sale scheduled within a predetermined period from the current date and time. Next, the payment processing unit 111 predicts the time to reach the store on the route, and specifies the time sale information included in the time sale period.

Next, the control unit 11 of the portable terminal 10 executes a process of proposing time sale information (step S5-4). Specifically, the payment processing unit 111 of the control unit 11 outputs the identified time sale information to the touch panel display 14.
This makes it possible to make an advantageous transaction in consideration of the schedule.

  In the above embodiment, the control unit 11 of the mobile terminal 10 executes the settlement request process (step S1-6). Here, the information of the user stored in the mobile terminal 10 may be provided to the shop terminal 20. In this case, personal information is recorded for each item in the memory 12 of the portable terminal 10, and items that can be provided to the store are recorded.

  Further, the store terminal 20 holds information items (store side needs) of personal information required by the store side. Furthermore, when the personal information of the user is acquired, the store terminal 20 holds information on benefits provided to the user for each information item. Further, the shop terminal 20 records transaction information using the mobile terminal 10 in association with the personal information acquired from the mobile terminal 10. This transaction information is used for sales promotion.

The settlement process will be described with reference to FIG.
First, the control unit 11 of the portable terminal 10 executes a process of specifying the current position (step S1-1) to a process of selecting a payment medium (step S1-5).

  Next, the control unit 11 of the mobile terminal 10 executes a store-side needs acquisition process (step S6-1). Specifically, the payment processing unit 111 of the control unit 11 acquires, from the shop terminal 20, an information item of personal information of the shop side needs.

  Next, the control unit 11 of the mobile terminal 10 executes a process of collating store needs and personal information that can be provided (step S6-2). Specifically, the payment processing unit 111 of the control unit 11 compares the personal information recorded in the memory with the information item of the store's needs.

  Next, the control unit 11 of the portable terminal 10 executes a determination process as to whether there is personal information meeting the store's needs (step S6-3). Specifically, when the personal information of the information item of the store-side needs is recorded as the providable item, the payment processing unit 111 of the control unit 11 determines that there is personal information meeting the store-side needs. .

  If it is determined that there is personal information meeting the store's needs (in the case of “YES” in step S6-3), the control unit 11 of the portable terminal 10 executes a process of providing personal information (step S6-4). Specifically, the payment processing unit 111 of the control unit 11 transmits, to the store terminal 20, personal information that meets the store's needs. In this case, the shop terminal 20 temporarily records personal information.

Next, the control unit 11 of the mobile terminal 10 executes a benefit acquisition process from the store side (step S6-5). Specifically, the shop terminal 20 provides the portable terminal 10 with a benefit according to the acquired information item. The payment processing unit 111 of the control unit 11 acquires a benefit from the store terminal 20.
Next, the control unit 11 of the portable terminal 10 executes the settlement request process as in step S1-6 (step S6-6). In this case, the payment processing unit 111 of the control unit 11 transmits a transaction request to the shop terminal 20 using the benefit acquired from the shop terminal 20. The store terminal 20 associates and records the temporarily recorded personal information and the transaction content (sales item or service). Thereby, it can be used for sales promotion by associating personal information and transaction contents.

  In the above embodiment, the bank server 40 executes a determination process as to whether settlement is possible (step S1-8). Specifically, the bank server 40 compares the transaction amount with the account balance. Then, when there is an account balance equal to or more than the transaction amount, it is determined that settlement is possible. Here, if an account opened at a financial institution is used, it is not limited to the account balance. For example, in a transaction with a user, it may be determined whether settlement is possible based on credit (overdraft). In this case, in the account information storage unit of the bank server 40, the overdraft limit amount and the overdraft loan amount are recorded for each account. When the amount obtained by adding the transaction amount to the overdraft amount is equal to or less than the overdraft amount, it is determined that the settlement is possible.

  In the embodiment, the control unit 11 of the mobile terminal 10 executes the settlement request process (step S1-6), and the bank server 40 executes the account balance acquisition process (step S1-7). In addition to this, the mobile terminal 10 may acquire balance information from the bank server 40 when the wallet application is activated. In this case, balance information is acquired from the bank server 40 via the Internet. Then, in the payment medium selection process (step S1-5), the balance is displayed on the payment medium candidate (cash card) output to the touch panel display 14.

  DESCRIPTION OF SYMBOLS 10 Mobile terminal 11 Control part 111 Settlement processing part 112 Evaluation processing part 113 Accounting processing part 12 Information storage part 13 Position information acquisition part 14 Touch panel display 30 Relay server , 40 ... bank server.

Claims (8)

A wallet management system comprising a control unit connected to a financial institution server that manages a user account established in a financial institution, comprising:
The control unit
Get user's location information,
Identifying available media based on the location information;
When a plurality of available media are specified, the usage status of the available media is acquired,
In the usable medium, when a settlement medium to be used for settlement is specified based on the use status and a settlement medium using an account is specified, a settlement request process is executed to the financial institution server. Features a wallet management system.   The wallet according to claim 1, wherein the control unit specifies the default medium as the payment medium when a default medium designated in advance is registered according to the position information. Management system. The control unit
Get the privilege information of the available media,
The wallet management system according to claim 1 or 2, wherein the payment medium is specified based on the available medium and privilege information. The control unit
Compare the usage of multiple available media,
The wallet management system according to any one of claims 1 to 3, wherein an available medium which is less used is specified as a payment medium. The control unit
Obtain future withdrawal information for multiple available media,
The wallet management system according to any one of claims 1 to 4, wherein a payment medium is specified based on the withdrawal schedule information.   The said control part outputs an alerting message, when the amount of use exceeds the reference | standard amount of money in the utilization condition of the said available medium, The warning message is described in any one of the Claims 1-5 characterized by the above-mentioned. Wallet management system. A method for performing wallet management using a wallet management system provided with a control unit connected to a financial institution server that manages a user account established in a financial institution, comprising:
The control unit
Get user's location information,
Identifying available media based on the location information;
When a plurality of available media are specified, the usage status of the available media is acquired,
In the usable medium, when a settlement medium to be used for settlement is specified based on the use status and a settlement medium using an account is specified, a settlement request process is executed to the financial institution server. Characteristic wallet management method. A program for performing wallet management using a wallet management system provided with a control unit connected to a financial institution server that manages a user account established in a financial institution, comprising:
The control unit is
Get user's location information,
Identifying available media based on the location information;
When a plurality of available media are specified, the usage status of the available media is acquired,
In the usable medium, when a settlement medium to be used for settlement is specified based on the use situation and a settlement medium using an account is specified, as means for executing a settlement request process to the financial institution server A wallet management program characterized by having it function.

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