JP2020021218A - Method for processing information, information processor, and program - Google Patents

Abstract

To provide a method for processing information which can present, to a user, means of settlement usable for a payment.SOLUTION: The method for processing information is executed by a third information processor for communicating with a first information processor used by a user and with a second information processor for receiving a settlement from the first information processor. The method for processing information includes the steps of: storing means of settlement usable by the first information processor; storing means of settlement usable by the second information processor; specifying means of settlement usable for a settlement using the first information processor and the second information processor on the basis of the positional information of the first information processor and the positional information of the second information processor; and sending an instruction to active the specified means of settlement to the first information processor.SELECTED DRAWING: Figure 6

Description

  The present disclosure relates to an information processing method, an information processing device, and a program.

  Currently, there are various payment means such as a credit card, a debit card, a prepaid card, electronic money, and a two-dimensional code payment, and payment can be performed using an information processing terminal. In addition, the user can make a payment using any of these payment means when shopping or the like. For example, Patent Literature 1 discloses a payment processing method and a payment processing system that can support various and various types of payment means.

JP-A-2003-016361

  Payment methods available at stores often differ from store to store. Therefore, when performing payment at a store, the user needs to select a payment method to be used for payment from payment methods available at the store to be used, and the convenience is impaired.

  An object of the present disclosure is to provide an information processing method capable of presenting a settlement means usable for payment to a user.

  Also, the settlement means that can be used in stores often differ from store to store. Therefore, when performing payment at a store, the user needs to select a payment method used for payment from payment methods available at the store to be used. Further, when a plurality of payment means are available at the store to be used, the user needs to select one more payment means from among the plurality of payment means, which is considered to be extremely troublesome.

  An object of the present disclosure is to provide an information processing method capable of presenting a user with more appropriate payment means when a plurality of payment means are available in a store to be used.

  Also, the settlement means that can be used in stores often differ from store to store. Therefore, when performing payment at a store, the user needs to select a payment method used for payment from payment methods available at the store to be used. In addition, if a plurality of payment means available for payment are simultaneously displayed on the screen of the terminal, the visibility may be degraded.

  An object of the present disclosure is to provide a program capable of presenting a plurality of payment means to a user in a highly visible manner when a plurality of payment means are available.

  An information processing method according to an embodiment of the present disclosure includes a third information processing device that communicates with a first information processing device used by a user and a second information processing device that accepts payment from the first information processing device. An information processing method to be executed, comprising: a step of storing a payment unit usable by a first information processing device; a step of storing a payment unit usable by a second information processing device; and a position of the first information processing device. Specifying a payment means that can be used for payment using the first information processing apparatus and the second information processing apparatus based on the information and the position information of the second information processing apparatus; Transmitting to the first information processing apparatus an instruction to activate the first information processing apparatus.

  Further, an information processing method according to an embodiment of the present disclosure is an information processing method executed by a second information processing device, which communicates with a first information processing device used by a user. A specifying step of specifying a plurality of payment means that can be used for payment using the third information processing apparatus and the first information processing apparatus that accept payment; and a predetermined criterion for each of the specified plurality of payment means. And a display step of displaying the determined plurality of payment means and the determined priority in the first information processing apparatus in association with each other.

  Further, a program according to an embodiment of the present disclosure includes an acquisition step of acquiring, from the second information processing apparatus, information indicating a plurality of payment means associated with priorities with the first information processing apparatus used by the user. And a display step of displaying a payment means display screen for displaying the acquired plurality of payment means in association with the priority.

1 is a diagram illustrating a configuration of a communication system according to an aspect of an embodiment. FIG. 2 is a diagram illustrating an example of a hardware configuration of an information processing device according to the present disclosure. FIG. 2 is a diagram illustrating an example of a block diagram illustrating a functional configuration of a server according to the first embodiment. It is a figure showing an example of store management information and user information. FIG. 2 is a diagram illustrating an example of a block diagram illustrating a functional configuration of a terminal according to the first embodiment. FIG. 4 is a diagram illustrating an example of a processing sequence of the communication system 1 according to the first embodiment. It is a figure showing an example of a screen of a terminal concerning a 1st embodiment. FIG. 11 is a diagram illustrating an example of a processing sequence of the communication system according to the second example of the first embodiment. It is a figure showing an example of the block diagram showing the functional composition of the server concerning a 2nd embodiment. It is a figure showing an example of use history information. It is a figure showing an example of priority setting information. It is a figure showing an example of a screen of a terminal concerning a 3rd embodiment. It is a figure showing an example of a screen of a terminal concerning a 3rd embodiment.

<Legal compliance>
The disclosure set forth herein, if implemented, will be implemented in compliance with the laws of the countries where the disclosure is implemented. In addition, the disclosure described in this specification is implemented with all the changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art necessary to comply with the laws and regulations of each country.

  An embodiment for implementing the communication system 1 according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 illustrates a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the servers 110A and 110B are connected to the terminals 120A, 120B, and 120C via the network 130.

  In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

  In the present disclosure, when it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

  In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing device 200, respectively. Note that the number of information processing devices 200 connected to the network 130 is not limited.

  The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. Examples of the predetermined service include, but are not limited to, a settlement service, an electronic commerce service, an SNS (Social Networking Service) represented by an instant messenger, and a content providing service such as music, videos, and books. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

  If necessary, a terminal used by the user X is expressed as a terminal 120X, and user information in a predetermined service associated with the user X or the terminal 120X is expressed as user information X. The user information is information of a user associated with an account used by the user in a predetermined service. The user information is, by way of example and not limitation, a user's name, a user's icon image, a user's age, a user's gender, a user's address, and a user's hobby that are input by the user or given by a predetermined service. The information includes information associated with the user, such as the preference and the user identifier, and any one or a combination of these may be used.

  The network 130 has a role of connecting two or more information processing apparatuses 200. The network 130 refers to a communication network that provides a connection path so that data can be transmitted and received after the terminal 120 connects to the server 110.

  One or more portions of network 130 may be a wired or wireless network. The network 130 may be, for example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (MAN), part of the Internet, public switched telephone network (Public) Switched Telephone Network: a part of PSTN, mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite Communication etc., or It may include two or more combinations of these. Network 130 may include one or more networks 130.

  The information processing device 200 may be any information processing device that can implement the functions and / or methods described in the present disclosure.

  The information processing apparatus 200 includes, but is not limited to, a smartphone, a mobile phone (feature phone), a computer (for example, but not limited to, a desktop, a laptop, and a tablet), a server device, and a media computer platform (for example, but not limited to). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (eg, but not limited to, PDA (Personal Digital Assistant), e-mail clients, etc.), wearable terminals (eg, but not limited to, glasses-type devices, Clock devices, etc.), other types of computers, or communication platforms.

<Hardware (HW) configuration>
The HW configuration of the information processing device 200 included in the communication system 1 will be described with reference to FIG.

  The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The components of the HW of the information processing device 200 are interconnected via a bus B, for example, but not limited to.

  The information processing device 200 realizes the functions and / or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. I do.

  The processor 201 executes a function and / or a method realized by a code or an instruction included in a program stored in the storage 203. The processor 201 includes, for example and without limitation, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics s Processing Unit), a microprocessor (microprocessor), a processor core, and a multiprocessor. ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and logic circuits (hardware) formed on integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc. Each processing disclosed in each embodiment may be realized by a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes described in each embodiment may be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like, depending on the degree of integration.

  The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area for the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing the program. The memory 202 includes, for example, without limitation, a random access memory (RAM) and a read only memory (ROM).

  The storage 203 stores a program. The storage 203 includes, for example, without limitation, a hard disk drive (HDD), a solid state drive (SSD), and a flash memory.

  The communication I / F 205 sends and receives various data via the network 130. The communication may be performed by wire or wireless, and any communication protocol may be used as long as mutual communication can be performed. The communication I / F 205 has a function of executing communication with another information processing device via the network 130. The communication I / F 205 transmits various data to another information processing device in accordance with an instruction from the processor 201. Further, the communication I / F 205 receives various data transmitted from another information processing apparatus and transmits the data to the processor 201.

  The input / output I / F 204 includes an input device that inputs various operations to the information processing device 200 and an output device that outputs a processing result processed by the information processing device 200. In the input / output I / F 204, an input device and an output device may be integrated, or may be separated into an input device and an output device.

  The input device is realized by any one of all types of devices capable of receiving input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, for example and without limitation, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input through an image), and a microphone (operation input by voice).

  The output device is realized by any one of all types of devices capable of outputting the processing result processed by the processor 201 or a combination thereof. When outputting the processing result as a video and / or a moving image, the output device may be any one of or all devices capable of displaying the display data according to the display data written in the frame buffer. It is realized by a combination. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display)), a head mounted display (HDM), a projection mapping, and a hologram. And a device capable of displaying an image or text information in the air or the like (may be a vacuum), a speaker (audio output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

  The program according to each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium is capable of storing the program on a “temporary tangible medium”. The programs include, by way of example and not limitation, software programs and computer programs.

  The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs), such as, but not limited to, a field programmable gate array (FPGA), an application specific IC (ASIC), etc. ), Hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or a suitable combination of two or more thereof. A storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

  Further, the program of the present disclosure may be provided to information processing device 200 via any transmission medium (such as a communication network or a broadcast wave) capable of transmitting the program.

  Further, each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which a program is embodied by electronic transmission.

  Note that the program of the present disclosure includes, for example and without limitation, script languages such as ActionScript and Javascript (registered trademark), object-oriented programming languages such as Objective-C and Java (registered trademark), and markup languages such as HTML5. Implemented using

  At least a part of the processing in the information processing device 200 may be realized by cloud computing including one or more computers.

  At least part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be performed by another information processing device.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is performed when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. May be.

  In this disclosure, “or” has the inclusive, rather than exclusive, meaning unless otherwise stated or indicated by context. Thus, in this disclosure, "A or B" means "A, B, or both," unless stated otherwise or indicated by context. Further, unless otherwise indicated or indicated by context, "and" is intended to mean both joint and individual. Thus, as used herein, unless otherwise specified or indicated by context, "A and B" means "A and B together or separately (J and J)." Further, unless otherwise specified or indicated by context, “a,” “an,” or “the” shall mean “one or more.” Thus, as used herein, unless otherwise indicated or indicated by context, “an A” or “the A” means “one or more A”.

  The present disclosure encompasses all changes, substitutions, variations, alterations, and modifications that may occur to those skilled in the art, to the embodiments and / or examples of the present disclosure. Similarly, where appropriate, the appended claims cover all changes, substitutions, variations, alterations, and modifications that may occur to those skilled in the art for the embodiments and / or examples of the present disclosure. Include. Further, the present disclosure is intended to enable one of ordinary skill in the art to make one or more features of the embodiments and / or examples of the present disclosure and one or more of the other embodiments and / or examples of the present disclosure. And any combination with one or more features.

  Additionally, a device or system or a component of a device or system that is adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function. Reference is made in the appended claims to the device, system, or component so adapted, arranged, capable, configured, enabled, enabled. As long as the device, system or component or its specific features are activated, turned on or unlocked, as long as the device, system or component is activated or operable.

<First embodiment>
The first embodiment is an embodiment in which the server 110 specifies a payment unit that can be used around the position of the terminal 120 and notifies the terminal 120 of the specified payment unit. According to the first embodiment, only the settlement means that can be used for payment at the store are presented to the user, so that the effect of improving the convenience for the user is obtained. Also, by presenting only available settlement means, the effect that payment processing is smooth can be obtained. In addition, since it is possible to prevent an unusable payment unit from being activated by mistake, the processing load on the terminal 120 is reduced, and the amount of communication data with the payment system required to activate the payment unit is reduced. The effect that it can be obtained is obtained. In the following description, a “store” refers to a store in which an information processing device that receives payment from the terminal 120 is installed, or an information processing device that receives payment from the terminal 120 installed in the store, unless otherwise specified. Used to indicate any of The information processing apparatus may be, for example, without limitation, a payment terminal or a POS terminal. The terminal 120 may have a function of communicating with the information processing device to make a payment. In the following description, an information processing device that accepts a payment from the terminal 120 is referred to as a “payment terminal” for convenience. In addition, the description of “payment means available at the store” in the following description can be replaced with the description of “payment means available for payment using terminal 120 and the payment terminal”.

<Functional Configuration of First Embodiment>
The functional configuration of the server 110 will be described with reference to FIG. The functional unit disclosed in FIG. 3 is realized by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 included in the information processing apparatus 200.

(1) Functional Configuration of Server The server 110 includes a communication unit 311, a position identification unit 312, a settlement unit identification unit 313, a settlement unit notification unit 314, and a storage unit 315. The communication unit 311, the position specifying unit 312, the settlement unit specifying unit 313, and the settlement unit notifying unit 314 are realized by the processor 201 reading and executing a program stored in the storage unit 315. The storage unit 315 is realized using the memory 202 and / or the storage 203.

  The storage unit 315 manages the program executed by the server 110 according to the first embodiment, the payment means available at each store, the store management information managing the location of each store, and the payment means available to the user. The user information is stored. The settlement means that can be used by the user is a settlement means that is set to be usable in the terminal 120 owned by the user.

  FIG. 4A shows an example of the store management information. The “store ID” stores an ID that specifies a store. The “store name” stores the name of the store. The “store location” stores information indicating the location where the store is located. The location where the store is located may be expressed using latitude and longitude as an example and not limitation, or a short-range wireless identifier included in a wireless signal transmitted by a short-range wireless device installed in the store May be expressed using

  The short-range wireless identifier is not limited and includes, for example, a beacon ID included in a beacon transmitted by a BLE (Bluetooth Low Energy) device, an SSID included in a wireless signal transmitted by a WiFi (registered trademark) device, and an ultrasonic wave. May be included. The “payment means” stores payment means available in the store. For example, at a store whose store ID is S02, it is shown that the settlement means A, the settlement means B, and the settlement means E can be used.

  FIG. 4B shows an example of the user information. “User ID” stores an ID that specifies a user. The “payment means” stores payment means that can be used by the user (the terminal 120 used by the user).

  The communication unit 311 has a function of performing a process of receiving various data from the terminal 120 via the communication I / F 205 and a process of transmitting various data to the terminal 120 using the communication I / F 205.

  The position specifying unit 312 specifies the position of the terminal 120 by acquiring the position information of the terminal 120 notified from the terminal 120. Further, the position specifying unit 312 specifies the position of the store (or the payment terminal) by acquiring the store position from the store management information. The position specifying unit 312 may be called a position obtaining unit because the position specifying unit 312 obtains the position information of the terminal 120 and the store position.

  The settlement unit identification unit 313 has a function of identifying a settlement unit that can be used in the store based on the position information of the terminal 120 and the position information of the store. In addition, when the store exists within a predetermined range from the position of the terminal 120 (that is, when the position information of the terminal 120 and the position information of the store are included in the predetermined range), the settlement means specifying unit 313 sets the terminal 120 Payment means that can be used in a store existing within a predetermined range from the position of may be specified as payment means that can be used in the store. Here, the settlement means usable in a store existing within a predetermined range from the position of the terminal 120 may be a settlement means usable in the store, or a settlement means usable in the store. The payment means may be common to the payment means available for the terminal 120.

  The settlement unit notification unit 314 has a function of notifying (transmitting) the specified settlement unit to the terminal 120 via the communication unit 311. The settlement unit notification unit 314 may notify the terminal 120 of an instruction to activate the specified settlement unit. The settlement means notification unit 314 may be referred to as a transmission unit.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 will be described with reference to FIG. The functional unit disclosed in FIG. 5 is realized by cooperation of a processor 201, a memory 202, a storage 203, an input / output I / F 204, and a communication I / F 205 included in the information processing apparatus 200.

  The terminal 120 includes an input / output unit 321, a communication unit 322, a display control unit 323, a position measurement unit 324, and a storage unit 325. The input / output unit 321, the communication unit 322, the display control unit 323, and the position measurement unit 324 are realized by the processor 201 reading and executing a program stored in the storage unit 325. The storage unit 325 is realized using the memory 202 and / or the storage 203.

  The input / output unit 321 has a function of performing processing for receiving input of various data via the input / output I / F 204 and processing for outputting various data via the input / output I / F 204.

  The communication unit 322 has a function of performing a process of receiving various data from the server 110 via the communication I / F 205 and a process of transmitting various data to the server 110 using the communication I / F 205. In addition, the communication unit 322 transmits, to the server 110, position information indicating the position of the terminal 120 measured by the position measurement unit 324.

  Further, the communication unit 322 may have a function of receiving a short-range wireless signal. This function may be called a short-range wireless receiving unit. When receiving the short-range wireless signal, the communication unit 322 may transmit the short-range wireless identifier included in the received short-range wireless signal to the server 110.

  The display control unit 323 has a function of displaying, on the display of the terminal 120, a screen indicating available payment means, a screen for accepting selection of a desired payment means by a user, and the like.

  The position measuring unit 324 has a function of measuring the current position of the terminal 120. The position measuring unit 324 measures the latitude and longitude of the terminal 120 as the current position of the terminal 120 using, for example, but not limited to, GPS (Global Positioning System). The measurement of the position information of terminal 120 by position measuring section 324 is not limited to GPS, and any method may be used. By way of example and not limitation, the position measurement unit 324 may measure the position of the terminal 120 using a wireless LAN such as Wi-Fi. In addition, the position measuring unit 324 measures the position of the terminal 120 using a communication method such as IMES (Indoor Messaging System), RFID (Radio Frequency Identifier), and BLE (Bluetooth Low Energy), for example, without limitation. May be. The position measuring section 324 may measure the position of the terminal 120 using a mobile communication system such as LTE or CDMA without limitation.

<Operation Processing of First Embodiment>
With reference to FIG. 6, a process of the communication system 1 according to the embodiment will be described. FIG. 6 is a diagram illustrating an example of a processing sequence of the communication system 1 according to the first embodiment.

  First, the position measurement unit 324 of the terminal 120 generates position information of the terminal 120 by measuring its own position (S100). Subsequently, the communication unit 322 transmits the position information of the terminal 120 to the server 110 (S110). The communication unit 322 may detect the short-range wireless identifier by searching for the short-range wireless signal, and may transmit the detected short-range wireless identifier to the server 110.

  The position specifying unit 312 of the server 110 specifies the position of the terminal 120 based on the position information received from the terminal 120. Subsequently, the settlement unit specifying unit 313 obtains location information of the store by accessing the store management information, and specifies a store existing within a predetermined range from the specified position of the terminal 120 (S120). The predetermined range is arbitrary, but is not limited and may be, for example, within 100 m, within 500 m, within 1 km, or the like. Subsequently, the settlement unit specifying unit 313 specifies the settlement unit corresponding to the specified store by accessing the store management information (S130). For example, in the example of FIG. 4A, when the store existing within a predetermined range from the position of the terminal 120 is the store S03, the payment unit specifying unit 313 determines that the payment unit available in the store S03 is a payment unit. B, settlement means C and settlement means D are specified. At this time, the payment means specifying unit 313 obtains a payment means usable at the store (payment terminal) and a payment means usable at the terminal 120 by accessing both the store management information and the user information. The settlement means commonly included in both of the acquired settlement means may be specified as the settlement means usable in the store.

  Note that, instead of the location information of the terminal 120 and the location information of the store (or the payment terminal), the payment means specifying unit 313 replaces the location information of the terminal 120 with the short distance transmitted from the short distance wireless device installed in the store and received by the terminal 120. You may make it specify the payment means available in a shop based on a wireless identifier. The short-range wireless device installed in the store may be the same as the payment terminal, or may be a device different from the payment terminal.

  In this case, the processing procedure of step S120 and step S130 is executed as follows. First, the settlement unit identification unit 313 acquires the short-range wireless identifier received by the terminal 120. Subsequently, the settlement unit identification unit 313 identifies the settlement unit of the store corresponding to the short-range wireless identifier received by the terminal 120 by accessing the store management information using the acquired short-range wireless identifier as a key. For example, in the example of FIG. 4A, when the short-range wireless identifier received from the terminal 120 is 2222, the payment unit specifying unit 313 determines that the payment units available at the store are the payment unit A, the payment unit B, and the payment unit. The settlement means E is specified.

  Alternatively, instead of the location information of the terminal 120 and the location information of the payment terminal, the payment means identification unit 313 can use the information in the store based on short-range wireless communication established between the terminal 120 and the payment terminal. The settlement means may be specified. The settlement means specifying unit 313 acquires the short-range wireless identifier received by the terminal 120 and searches for the store management information using the acquired short-range wireless identifier as a key, thereby obtaining the short-range wireless communication between the terminal 120 and the settlement terminal. The establishment of communication may be detected.

  Subsequently, the settlement unit notification unit 314 notifies the terminal 120 of the specified settlement unit that can be used in the store (S140). The display control unit 323 of the terminal 120 displays a screen for accepting the payment means selection (S150). Thereafter, the terminal 120 transitions to a state where payment can be made with the payment means selected in response to a user operation on the screen. FIG. 7A shows an example of a screen for accepting the selection of the payment means, and FIG. 7B shows an example of a screen showing a state in which payment by the selected payment means is possible.

<First embodiment>
In the first example of the first embodiment, when a plurality of stores existing within a predetermined range from the position of the terminal 120 are specified, the payment unit specifying unit 313 sets the available payment unit to be common to the plurality of stores. May be specified. For example, in the example of FIG. 4A, when two stores, that is, a store S02 and a store S03 are specified as stores existing within a predetermined range from the position of the terminal 120, the settlement unit specifying unit 313 determines whether the store is available. The settlement means may be specified as “settlement means B”.

  According to the first embodiment, the settlement means displayed on the screen of the terminal 120 can be used regardless of which store the user uses, so that the convenience of the user is improved and the It is possible to realize a simple settlement process. In addition, since a payment unit that cannot be used for payment is not displayed, it is possible to prevent unnecessary processing from being performed in the terminal 120, and it is possible to prevent unnecessary communication from being performed with the payment system. Can be suppressed.

<Second embodiment>
In the second example of the first embodiment, when a plurality of stores (or payment terminals) existing within a predetermined range from the position of the terminal 120 are specified, the payment unit specifying unit 313 sets the available payment units as: You may make it specify the payment means available in the store (or payment terminal) designated by the user among a plurality of stores (or payment terminals). For example, in the example of FIG. 4A, in a case where two stores S02 and S03 are specified as stores existing within a predetermined range from the position of the terminal 120, when the user selects the store S03, The payment means specifying unit 313 may specify that the available payment means are the payment means B, the payment means C, and the payment means D.

  FIG. 8 is a diagram illustrating an example of a processing sequence of the communication system 1 according to the second example of the first embodiment. Note that the same processes as those in FIG. 6 are denoted by the same reference numerals and description thereof is omitted.

  When a plurality of stores are specified in the processing procedure of step S120, the settlement unit specifying unit 313 transmits information about the specified stores (for example, a list of store names) to the terminal 120 (S122). Subsequently, the display control unit 323 of the terminal 120 displays a screen for accepting a store selection from the user based on the received information on the plurality of stores (S124). Subsequently, the input / output unit 321 of the terminal 120 receives the selection of the store in response to the user operation, and the communication unit 322 transmits information indicating the selected store to the server 110 (S126). The payment means specifying unit 313 of the server 110 specifies the payment means available in the store selected by the user by accessing the store management information (S130-1).

  According to the second embodiment, since the user can select a store to be used, the range of payment means that can be selected by the user is widened as compared with the first embodiment, thereby improving user convenience. As a result, a smooth settlement process can be realized. In addition, since a payment unit that cannot be used for payment is not displayed, it is possible to prevent unnecessary processing from being performed in the terminal 120, and it is possible to prevent unnecessary communication from being performed with the payment system. Can be suppressed.

<Second embodiment>
In the second embodiment, when a plurality of payment means are available in a store used by a user, a priority based on a predetermined criterion is assigned to each of the plurality of payment means, and settlement is performed together with the assigned priority. This is an embodiment in which means are displayed on the screen of the terminal 120. The second embodiment may be combined with the first embodiment.

  According to the second embodiment, when a plurality of payment means are available, the priority of each payment means is displayed, so that the convenience when the user selects the payment means can be improved. Is obtained. In addition, by selecting a payment method with a high priority, the user can save the trouble of deciding which payment method is appropriate, and the payment processing can be smoothly performed. In addition, the processing load on the terminal 120 due to the wasteful selection of the payment means by the user is reduced, and the amount of communication data with the payment system required to activate the payment means can be reduced. can get.

<Functional Configuration of Second Embodiment>
The functional configuration of the server 110 will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a block diagram illustrating a functional configuration of a server according to the second embodiment. When the second embodiment is combined with the first embodiment, the points which are not particularly mentioned may be the same as the first embodiment.

(1) Functional Configuration of Server The server 110 includes a communication unit 311, a position identification unit 312, a settlement unit identification unit 313, a settlement unit notification unit 314, a storage unit 315, and a priority determination unit 316. The communication unit 311, the position identification unit 312, the payment unit identification unit 313, the payment unit notification unit 314, and the priority determination unit 316 cause the processor 201 to read and execute a program stored in the storage unit 315. It is realized by doing. The storage unit 315 is realized using the memory 202 and / or the storage 203.

  The storage unit 315 further stores, in addition to the store management information and the user information described in the first embodiment, use history information indicating the use status of the settlement means in each store. FIG. 10 shows an example of the usage history information. "Date and time" stores the date and time when the settlement means is used. "User ID" stores the user ID of the user who made the payment. The “payment means” stores the payment means used for payment. In the “store ID”, a store ID of a store where the settlement means is used is stored. Note that the usage history information may not be stored in the server 110 but may be stored in another information processing device 200 that can communicate with the server 110. The other information processing device 200 that can communicate with the server 110 may be, for example, without limitation, a POS (Point of Sale) system or a server provided by a third party.

  The processing procedure performed by the communication unit 311 and the position specifying unit 312 is the same as in the first embodiment, and a description thereof will be omitted. When the second embodiment operates alone, the position specifying unit 312 is unnecessary.

  The settlement unit identification unit 313 has a function of identifying a plurality of settlement units that the terminal 120 (user) can use in a predetermined store. The predetermined store is a store where the user pays, and may be, for example, a store specified by the user according to the processing procedure described in the second example of the first embodiment.

  The priority determining unit 316 has a function of determining a priority based on a predetermined criterion for each of the plurality of payment units specified by the payment unit specifying unit 313. The method of determining the priority will be described later.

  The settlement unit notification unit 314 notifies the terminal 120 of the plurality of settlement units identified by the settlement unit identification unit 313 and the priority determined by the priority determination unit 316 in association with each other. The settlement unit notification unit 314 has a function of displaying the plurality of settlement units identified by the settlement unit identification unit 313 and the priority determined by the priority determination unit 316 on the terminal 120 in association with each other. You may. In this case, the settlement unit notification unit 314 may be called a display notification unit.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 will be described with reference to FIG. The display control unit 323 displays the plurality of payment means and the respective priorities notified from the server 110 on a screen for accepting the selection of the payment means. The other functional configuration is the same as that of the first embodiment, and thus the description is omitted. However, when the second embodiment operates alone, the position measurement unit 324 is unnecessary. Also, the function of receiving short-range wireless communication in the communication unit 322 is unnecessary.

<Priority determination processing of the second embodiment>
A process in which the priority determination unit 316 determines a priority based on a predetermined criterion for each of a plurality of payment means available in a store used by a user will be described.

<First embodiment>
The priority determining unit 316 determines the priority of each of the plurality of payment means so that the priority is higher in the order of the payment means having a higher use frequency in each store. For example, the priority determination unit 316 searches the usage history information to calculate the number of times of use for each settlement means for the store used by the user, and sets the priority so that the priority increases in descending order of the number of uses. May be determined. Alternatively, the priority determination unit 316 calculates the number of times of use for each settlement unit for all stores (including stores other than the store used by the user) by searching the use history information, and the number of times of use is large. The priority may be determined so that the priority becomes higher in order.

  According to the first embodiment, the settlement means with a larger number of uses has a higher possibility of being used for payment at a store. This eliminates the need for the clerk to operate the POS terminal or the like according to the different settlement means every time the payment is made, so that the clerk can reduce the work load. It is also possible to specify the number of times the settlement means is used for each store.

<Second embodiment>
The priority determining unit 316 determines the priority of each of the plurality of payment units such that the priority of the payment units used by users having a predetermined relationship with the user becomes higher in the order of higher usage frequency. The second embodiment may be combined with the first embodiment.

  Being in the predetermined relationship means a state in which the users are registered in the server 110 as building a predetermined relationship. By way of example and not limitation, a state in which a predetermined relationship is established is a state in which the relationship has been mutually approved, a state in which at least one has applied for a relationship, a state in which a relationship has been established based on user information, and a predetermined condition. May be included in a state where the relationship has been established by satisfying.

  The user having a predetermined relationship with the user is not limited, and may be, for example, all users having a predetermined relationship with the user, a predetermined number of users, or an intimacy degree. May be a user of a predetermined degree or more.

  Here, the degree of intimacy refers to a relationship with the user within a predetermined period (a fixed period such as one month or two months, or a period from when a predetermined relationship is established to the present). The degree may be determined so that the degree of intimacy increases in the order of the amount of messages transmitted and received between them.

  Further, the degree of intimacy may be a degree determined so that the degree of intimacy increases as the length of the period from the establishment of the predetermined relationship to the present becomes longer. The length of the period from the establishment of the predetermined relationship to the present may be an absolute value or a relative value among one or more users having a predetermined relationship with the user.

  Intimacy is defined such that, for a plurality of other users having a predetermined relationship with a user, the intimacy increases as the length of time during which the other user is within a predetermined range from the position of the user is longer. The degree may be determined. Intimacy is defined as a relationship estimated for a plurality of users having a predetermined relationship with the user based on a period from when the predetermined relationship is established to the present and the position information of each user (for example, family members). The degree may be determined such that the higher the degree of presumed to be related, the higher the degree of intimacy.

  The intimacy is a degree determined for a plurality of other users having a predetermined relationship with the user such that the greater the number of users common to the user (the number of common friends), the higher the intimacy. There may be.

  Intimacy is determined such that among users who have established a predetermined relationship with a user who is communicating with the user, the intimacy increases as the number of users having the predetermined relationship with the user increases. May be the degree to be performed.

  The intimacy level is a degree determined such that the higher the degree of similarity between the attribute of the user and each attribute of a plurality of users having a predetermined relationship with the user, the higher the intimacy level. Is also good. The attributes of the user may be interest or interest, by way of example and not limitation.

  According to the second embodiment, the more frequently used means used by a user having a predetermined relationship with the user, the higher the possibility of being used for payment at the store. As a result, the user can preferentially use the settlement means frequently used by the user having a predetermined relationship with the user.

<Third embodiment>
The priority determining unit 316 determines the priority of each of the plurality of settlement units such that the priority increases in the order set by the user in advance. That is, the priority determination unit 316 determines the priority of each of the plurality of settlement units in response to the user's operation of determining the priority. The server 110 stores in the storage unit 315 priority setting information that stores the order of priority set by the user in advance. FIG. 11 shows an example of the priority setting information. The “user ID” stores an ID for specifying a user. The “priority setting” indicates the priority set for each of the settlement means that can be used by the user. The example of FIG. 11 indicates that the priority is higher in order from the right. The priority determining unit 316 determines the priority of each of the plurality of settlement units according to the priority setting information. Note that the priority setting information may be stored in the terminal 120.

  According to the third embodiment, the settlement means is displayed on the terminal 120 in accordance with the priority determined by the user, so that the convenience of the user can be improved. In addition, since the process for the server 110 to determine the priority is not required, the processing amount of the server 110 can be reduced.

<Third embodiment>
The third embodiment is an embodiment in which, when a plurality of payment means are available in a store used by a user, the plurality of payment means are displayed on the screen of the terminal 120 in association with the priorities. Note that displaying a plurality of payment means in association with the priority is not limited, and, as an example, displaying the payment means in order of priority and displaying the payment means in descending order of priority. This includes displaying the payment means with higher priority so that the visibility becomes higher.

  In the following description, the third embodiment is assumed to be combined with at least the second embodiment. However, the present invention is not limited to this, and the third embodiment can be implemented alone. Further, the third embodiment can be combined with the first embodiment in addition to the second embodiment.

  According to the third embodiment, when a plurality of payment means are available, the priorities of the respective payment means are displayed in order of priority, so that the convenience when the user selects the payment means is improved. Is obtained. In addition, by selecting a payment method with a high priority, the user can reduce the time required to consider which payment method to use, and the payment processing can be smoothly performed. Since the available payment means are given priority and presented, it is possible to reduce the number of times the user has to worry about the selection of the payment means, and the processing load on the terminal 120 due to the wasteful selection of the payment means. And the amount of communication data with the settlement system required to activate the settlement means can be reduced.

<Functional Configuration of Third Embodiment>
(1) Functional Configuration of Server The functional configuration of the server 110 is the same as that of the second embodiment, and a description thereof will be omitted.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 will be described with reference to FIG. The communication unit 322 functions as an obtaining unit that obtains, from the server 110, information indicating a plurality of payment units associated with priorities. The display control unit 323 has a function of displaying on the display a screen (hereinafter, referred to as a “payment means display screen”) that displays the plurality of payment means acquired by the communication unit 322 in association with the priority. In addition, since this screen is also a screen for receiving the selection of the payment means from the user, it may be called a payment means selection screen. The input / output unit 321 accepts, from the user, the selection of the payment means to be used for payment on the payment means display screen. Other points that are not particularly mentioned may be the same as in the second embodiment. When the third embodiment is implemented alone, the position measurement unit 324 is unnecessary. Also, the function of receiving short-range wireless communication in the communication unit 322 is unnecessary.

<Display Mode Related to Settlement Means Display Screen of Third Embodiment>
Next, a plurality of display modes regarding the settlement means display screen will be described.

(1) Display mode 1
The display control unit 323 may display a plurality of payment means on the payment means display screen in the same direction in descending order of priority. For example, as shown in FIG. 12A, icons (areas) of a plurality of payment means may be arranged and displayed in order of priority from the top to the bottom of the screen. Similarly, the images may be displayed side by side from the bottom to the top of the screen in descending order of priority, or may be displayed from left (or right) to right (left) of the screen in descending order of priority. They may be displayed side by side.

  Further, the display control unit 323 may display the icon of the settlement unit such that the distance between one side of the settlement unit display screen and the icon of the settlement unit is closer (or farther) as the priority is higher. . Further, the display control unit 323 may display the icon of the settlement unit such that the distance between one side of the settlement unit display screen and the icon of the settlement unit is proportional (or inversely proportional) to the priority.

(2) Display mode 2
The display control unit 323 may display an icon corresponding to each of the plurality of payment units on the payment unit display screen such that the display area becomes larger as the priority of the payment unit is higher. A specific example is shown in FIG. The display area of the icon is not limited, and as an example, if the display area of the icon of the payment means having the highest priority is set to 1, the display area may be reduced at a predetermined rate each time the priority is decreased by one. Good. For example, when the predetermined ratio is 0.8, the display area of the icon of the payment unit with the highest priority is 1, the display area of the icon of the payment unit with the next highest priority is 0.8, The display area of the icon of the payment means having the next highest priority may be 0.64.

  Further, as shown in FIG. 12C, the display control unit 323 may display a settlement means display screen including both the display mode 1 and the display mode 2. In the example of FIG. 12C, the icons of a plurality of payment means are arranged in the order of priority from the lower part to the upper part of the screen, and the display area of the icons decreases as the priority decreases. It is displayed as follows.

(3) Display mode 3
The display control unit 323 displays one or a part of the plurality of settlement means having consecutive priority among the plurality of settlement means on the settlement means display screen, and swipes the settlement means display screen to display the settlement means. One or a part of the settlement means displayed on the screen may be switched. A specific example is shown in FIG. FIG. 13A shows an example in which there is one “one or a part of settlement means having consecutive priorities”, and FIG. Or, an example of a case where the number of some settlement means is three.

  Note that the display control unit 323 sets the number of “partial settlement means having consecutive priority” to an odd number, and sets the priority of the plurality of settlement means displayed on the settlement means display screen to the median value. The icon of a certain settlement means may be displayed so as to have the largest area. For example, as shown in the right diagram of FIG. 13B, when settlement means of priority 1 to priority 3 are displayed on the screen, the area of the icon of the settlement means of priority 2 is set to be the largest. You may. Further, as another example, when settlement means of priority 4 to priority 8 are displayed on the screen, the area of the icon of the settlement means of priority 6 may be maximized.

  In addition, one of the plurality of payment means is displayed on the payment means display screen, and in response to the user's operation on the payment means display screen, the payment means displayed on the payment means display screen is replaced with the payment means before the operation. The settlement means may be switched to a settlement means having a lower priority set than the settlement means before the operation. For example, when the user swipes from right to left on the settlement means display screen on the left side of FIG. 13A, as shown on the right side of FIG. 13A, the settlement means with a lower priority may be displayed. Good.

  In addition, on the settlement means display screen, two or more settlement means having a consecutive priority among the plurality of settlement means are displayed in a form having a larger area as the priority is higher, and the user operates the settlement means display screen. , At least a part of the two or more payment means may be displayed in a mode in which the area is smaller as the priority is higher. For example, when the user swipes from right to left on the payment means display screen on the left side of FIG. 13B, the icon of the payment means of priority 1 is displayed in a small area as shown on the right side of FIG. You may do so.

  The display mode 1 and the display mode 2 described above may be combined, the display mode 1 and the display mode 3 may be combined, or the display mode 2 and the display mode 3 may be combined.

<Appendix>
(Supplementary Note 1-1)
An information processing method executed by a third information processing device, wherein the first information processing device used by a user communicates with a second information processing device that accepts payment from the first information processing device,
Storing payment means available in the first information processing device;
Storing payment means available in the second information processing apparatus;
Payment means that can be used for payment using the first information processing device and the second information processing device based on the position information of the first information processing device and the position information of the second information processing device Identifying the
Transmitting an instruction to activate the specified settlement means to the first information processing apparatus.

(Appendix 1-2)
When the position information of the first information processing device and the position information of the second information processing device are included in a predetermined range, the position information of the first information processing device and the second information processing device are used. The information processing method according to Supplementary Note 1-1, wherein a payment means usable for payment is specified.

(Appendix 1-3)
The settlement means that can be used for settlement using the first information processing apparatus and the second information processing apparatus can be used by the settlement means that can be used by the first information processing apparatus and the second information processing apparatus. 13. The information processing method according to Supplementary Note 1-1 or 1-2, wherein the information processing method is a common payment means with a simple payment means.

(Appendix 1-4)
When there are a plurality of the second information processing devices, the settlement device that can be commonly used by the plurality of second information processing devices, among the settlement devices that can be used by the plurality of second information processing devices, 4. The information processing method according to any one of supplementary notes 1-1 to 1-3, wherein the method is specified as a payment unit that can be used for payment using the first information processing device and the second information processing device.

(Appendix 1-5)
When a plurality of the second information processing devices are present, the first information processing device responds to an operation of selecting one of the plurality of second information processing devices by the user. The information processing method according to any one of Supplementary Notes 1-1 to 1-4, wherein the second information processing apparatus that accepts the payment is specified.

(Supplementary Note 1-6)
Instead of the position information of the first information processing device and the position information of the second information processing device, a short-range wireless communication established between the first information processing device and the second information processing device is performed. The information processing method according to Supplementary 1-1, wherein a payment unit that can be used for payment using the first information processing device and the second information processing device is specified based on the first information processing device and the second information processing device.

(Supplementary Note 1-7)
By acquiring the short-range wireless identifier received by the first information processing device, and searching the third information processing device from a database that associates the acquired short-range wireless identifier with the second information processing device. The information processing method according to supplementary note 1-6, wherein an establishment of short-range wireless communication between the first information processing device and the second information processing device is detected.

(Supplementary Note 1-8)
A first information processing device used by a user and a third information processing device communicating with a second information processing device that accepts payment from the first information processing device;
Storing payment means available in the first information processing device;
Storing payment means available in the second information processing apparatus;
Payment means that can be used for payment using the first information processing device and the second information processing device based on the position information of the first information processing device and the position information of the second information processing device Identifying the
Transmitting an instruction to activate the specified settlement means to the first information processing apparatus.

(Supplementary Note 1-9)
An information processing device operating as a third information processing device, communicating with a first information processing device used by a user and a second information processing device receiving payment from the first information processing device,
A storage unit that stores a payment unit that can be used in the first information processing device and a payment unit that can be used in the second information processing device;
Settlement means usable for settlement using the first information processing device and the second information processing device based on the position information of the first information processing device and the position information of the second information processing device A specifying unit for specifying
A transmitting unit configured to transmit an instruction to activate the specified settlement unit to the first information processing apparatus.

(Appendix 2-1)
An information processing method executed by a second information processing device, which communicates with a first information processing device used by a user,
A specifying step of specifying a plurality of payment units that can be used for payment using the third information processing device that receives payment from the first information processing device and the first information processing device;
A determining step of determining a priority based on a predetermined criterion for each of the plurality of specified payment means;
An information processing method comprising: a display step of causing the first information processing device to display the specified plurality of payment means and the determined priority in association with each other.

(Appendix 2-2)
Supplementary note 2-1 wherein the determining step includes determining a priority of each of the plurality of payment means so that the priority is higher in the order of payment means having a higher use frequency in the third information processing apparatus. The information processing method described.

(Supplementary Note 2-3)
Determining the priority of each of the plurality of payment means such that the priority becomes higher in the order of the payment frequency used by one or more users having a predetermined relationship with the user; The information processing method according to supplementary note 2-1 or 2-2, comprising:

(Appendix 2-4)
The information processing method according to supplementary note 2-3, wherein the one or more users are users whose intimacy is equal to or higher than a predetermined degree among a plurality of users having a predetermined relationship with the user.

(Appendix 2-5)
The intimacy is a period from when a predetermined relationship is established to the present, the length of time within a predetermined range from the position of the user, the number of common users in the predetermined relationship, or The information processing method according to supplementary note 2-4, wherein the information processing method is determined based on a similarity between the attribute and each attribute of a plurality of users having a predetermined relationship with the user.

(Appendix 2-6)
6. The information processing method according to Supplementary Notes 2-1 to 2-5, including determining a priority of each of the plurality of settlement units in response to an operation of determining a priority of the user.

(Supplementary Note 2-7)
An information processing device that communicates with a first information processing device used by a user and operates as a second information processing device,
A specifying unit configured to specify a plurality of payment units that can be used for payment using the third information processing device and the first information processing device that receive the payment from the first information processing device;
For each of the plurality of specified settlement means, a determining unit that determines a priority based on a predetermined criterion,
An information processing apparatus, comprising: a notification unit that notifies the first information processing apparatus of the plurality of payment units identified by associating the determined priority with the determined priority.

(Appendix 2-8)
A second information processing device that communicates with the first information processing device used by the user;
A specifying step of specifying a plurality of payment units that can be used for payment using the third information processing device that receives payment from the first information processing device and the first information processing device;
A determining step of determining a priority based on a predetermined criterion for each of the plurality of specified payment means;
A program for executing a notifying step of notifying the first information processing apparatus of the plurality of settlement means identified and the determined priority in association with each other.

(Appendix 3-1)
In the first information processing device used by the user,
An obtaining step of obtaining information indicating a plurality of payment means associated with the priorities from the second information processing apparatus;
A display step of displaying a payment means display screen for displaying the acquired plurality of payment means in association with the priority.

(Appendix 3-2)
The program according to supplementary note 3-1 wherein a plurality of payment means are displayed on the payment means display screen in the same direction in descending order of priority.

(Appendix 3-3)
On the settlement means display screen, areas corresponding to each of the plurality of settlement means are displayed side by side,
The program according to Supplementary note 3-1 or 3-2, wherein the area corresponding to each of the plurality of settlement units has a larger area as the priority of the settlement unit is higher.

(Appendix 3-4)
The settlement means display screen displays one of the plurality of settlement means, and in response to an operation performed by the user on the settlement means display screen, the settlement means displayed on the settlement means display screen includes: The program according to supplementary note 3-1 wherein the payment means before the operation is switched to a payment means having a lower priority set than the payment means before the operation.

(Appendix 3-5)
On the settlement means display screen, two or more settlement means having a consecutive priority among the plurality of settlement means are displayed in a form having a larger area as the priority is higher, and the settlement means display screen of the user is displayed. The program according to supplementary note 3-1 in which at least a part of the two or more settlement means is displayed in a mode in which the area is smaller as the priority is higher, in response to the operation of (1).

(Appendix 3-6)
An information processing method executed by a first information processing apparatus used by a user,
An obtaining step of obtaining information indicating a plurality of payment means associated with the priorities from the second information processing apparatus;
A display step of displaying a payment means display screen for displaying the acquired plurality of payment means in association with the priority.

(Appendix 3-7)
An information processing device that operates as a first information processing device used by a user,
An acquisition unit configured to acquire information indicating a plurality of payment units associated with the priorities from the second information processing device;
A display unit for displaying a payment means display screen for displaying the acquired plurality of payment means in association with the priority.

  1 communication system, 110 server, 110A server, 110B server, 120 terminal, 120A terminal, 120B terminal, 120C terminal, 120X terminal, 130 network, 200 information processing device, 201 processor, 202 memory, 203 storage, 204 input / output interface Input / output I / F), 205 communication interface (communication I / F), 311 communication unit, 312 position identification unit, 313 settlement unit identification unit, 314 settlement unit notification unit, 315 storage unit, 316 priority determination unit, 321 input Output unit, 322 communication unit, 323 display control unit, 324 position measurement unit, 325 storage unit

Claims (1)

  The invention described in the specification.

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