JP2020057047A - Server apparatus, settlement system, and program - Google Patents

Abstract

To provide a technique restricting use of medium depending on a movement history of a user.SOLUTION: In a server apparatus 50, a storage unit stores an amount of money that can be settled by using medium and a condition regarding a use restriction of the medium. A history acquisition unit acquires movement history information indicating a movement history of a user. A request acquisition unit acquires a settlement request for using the medium. A settlement processing unit performs a settlement processing to pay from the amount of money according to the settlement request depending on whether or not the movement history indicated by the movement history information satisfies the condition.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a technology for performing settlement using a medium.

  2. Description of the Related Art Techniques for restricting a user's commercial transactions are known. For example, Patent Literature 1 describes that when a behavior pattern of a user matches a waste behavior pattern, suppression information for suppressing waste behavior is transmitted to a peripheral device of the user.

JP 2018-32121 A

In some cases, a guardian gives a child a card so that the child can make a payment using the card. In this case, there is a demand by some parents to restrict the use of the card depending on whether or not the child is taking a predetermined action with the parent to prevent waste of the child. However, according to the technology described in Patent Literature 1, since a warning is issued simply in response to the transmission of suppression information, settlement cannot be limited if, for example, a child ignores the warning.
An object of the present invention is to limit the use of a medium according to a movement history of a user.

  The present invention provides a storage unit that stores an amount that can be settled using a medium and a condition related to a use restriction of the medium, a history acquisition unit that acquires movement history information indicating a movement history of a user, A request acquisition unit for acquiring a used settlement request, and a settlement process for executing a settlement process for performing payment from the amount in accordance with the settlement request, based on whether or not the movement history indicated by the movement history information satisfies the condition. And a server device comprising:

  The condition includes a route condition that the user has moved along a predetermined travel route, and the server device determines that the travel route included in the travel history does not satisfy the route condition. A settlement control unit that prohibits execution may be further provided.

  The condition further includes a time condition that the user has made the payment request within a predetermined time, and the payment control unit is configured to perform the processing when the time at which the payment request is made does not satisfy the time condition. The execution of the settlement process may be prohibited.

  The condition further includes a pass condition that the user has passed a predetermined pass point, and the settlement control unit prohibits execution of the settlement process when the travel route does not satisfy the pass condition. Is also good.

  The travel history includes a time at which the user was at each position on the travel route, and the condition further includes a stay condition that the time at which the user stayed at a specific place is equal to or longer than a predetermined stay time. The settlement control unit may prohibit the execution of the settlement processing when the time of the user included in the movement history staying at the specific place does not satisfy the stay condition.

  An inquiry unit that, when the travel history does not satisfy the condition, transmits a request for inquiring whether to execute the payment process to a terminal device used by another user different from the user, A response acquisition unit that acquires a response indicating permission or rejection of execution of the payment process from the terminal device in response to the request, and when the response indicates that the execution of the payment process is permitted, A settlement control unit that permits execution.

  Further, the present invention includes a server device, a position information terminal that transmits position information indicating a position of a user to the server device, and a payment terminal that transmits a payment request using a medium to the server device, wherein the server The apparatus stores a monetary amount that can be settled by using the medium, a storage unit that stores a condition related to a use restriction of the medium, and movement history information indicating the movement history of the user generated based on the position information. A history acquiring unit for acquiring, a request acquiring unit for acquiring the settlement request, and a settlement for performing payment from the amount according to the settlement request depending on whether or not the movement history indicated by the movement history information satisfies the condition. A payment system having a payment processing unit that executes processing.

  The payment system further includes a terminal device used by another user different from the user, and the server device stores the movement history information and payment history information indicating a history of the executed payment process in the terminal device. The terminal device further comprises: a display unit that displays the travel history and the history of the payment process based on the travel history information and the payment history information received from the server device. May have.

  The history transmission unit transmits payment prohibition history information indicating the history of the payment process prohibited from being executed to the terminal device, and the display unit, based on the payment prohibition history information received from the server device, A history of the payment process whose execution has been prohibited may be displayed.

  Further, in the present invention, the computer obtains a movement history information indicating a movement history of the user, a step of obtaining a settlement request using a medium, the movement history indicated by the movement history information, the storage unit, Depending on whether or not a condition relating to the use restriction of the stored medium is satisfied, a payment process for performing payment from the amount stored in the storage unit and the amount that can be settled using the medium is performed according to the payment request. And a program for executing the steps.

  According to the present invention, the use of a medium can be restricted by the movement history of a user.

It is a figure showing an example of composition of settlement system 1 concerning an embodiment. FIG. 3 is a diagram illustrating an example of a hardware configuration of a server device 50. FIG. 3 is a diagram illustrating an example of a functional configuration of a server device 50. It is a figure showing an example of settlement table 531. It is a flowchart which shows an example of a payment processing. 9 is a sequence chart illustrating an example of a tracking process. FIG. 4 is a diagram showing an example of a screen 410. It is a sequence chart which shows an example of a use restriction process. It is a figure showing the example of a display of use history information. FIG. 9 is a diagram illustrating an example of an inquiry screen 420. 9 is a sequence chart illustrating an example of a list display process. FIG. 9 is a diagram illustrating an example of a list screen 430.

1. Configuration FIG. 1 is a diagram illustrating an example of a configuration of a payment system 1 according to the present embodiment. The settlement system 1 realizes monitoring of the behavior of the child performed by the guardian and restricting the use of the prepaid card 10 performed by the child. The "guardian" refers to a person who protects a child. The guardian may be, for example, a parent. The payment system 1 includes a prepaid card 10, a location information terminal 20, a payment terminal 30, a management terminal 40, and a server device 50. Note that the number of devices illustrated in FIG. 1 is an example, and the present invention is not limited to this.

  The location information terminal 20, the settlement terminal 30, the management terminal 40, and the server device 50 are connected via a communication line 60. The communication line 60 includes, for example, a wireless network and the Internet, and transmits communication between these devices.

  The prepaid card 10 is carried by a child. The prepaid card 10 is a prepaid magnetic card. In the prepaid card 10, a prepaid number for uniquely identifying the prepaid card 10 is stored in advance. The child can use the prepaid card 10 to purchase goods or services within a prepaid amount.

  The child carries the location information terminal 20 together with the prepaid card 10. The position information terminal 20 is a small electronic device having a communication function and a positioning function. The position information terminal 20 measures the position of the child at predetermined time intervals. For the measurement of the position, for example, a GPS (Global Positioning System) may be used. In this case, the position information terminal 20 includes a GPS receiver that receives GPS signals from a plurality of satellites. The position information terminal 20 transmits position information indicating the position of the child to the server device 50 at predetermined time intervals.

  The payment terminal 30 is installed in a store where payment using the prepaid card 10 is possible. When a child makes a payment using the prepaid card 10 at this store, the payment terminal 30 reads the prepaid number from the prepaid card 10 and requests the server device 50 for the payment corresponding to the prepaid number.

  The management terminal 40 is carried and used by a parent or guardian. The management terminal 40 is a small electronic device having a communication function and a UI (User Interface) function. As the management terminal 40, for example, a mobile terminal such as a smartphone or a tablet terminal may be used. The management terminal 40 may be configured as a computer device including an input device 41 and a display device 42. The input device 41 is an input device that receives an external input (for example, a keyboard, a mouse, a microphone, a switch, a button, a sensor, and the like). The display device 42 is an output device (for example, a display) that performs output to the outside. Note that the input device 41 and the display device 42 may have an integrated configuration (for example, a touch panel). Using the management terminal 40, the guardian can check the movement history of the child and the usage history of the prepaid card 10.

  FIG. 2 is a diagram illustrating an example of a hardware configuration of the server device 50. The server device 50 performs a process of providing the travel history information indicating the travel history of the child to the management terminal 40 and a process of restricting the use of the prepaid card 10 performed by the child. The server device 50 may be physically configured as a computer device including a processor 51, a memory 52, a storage 53, a communication device 54, a bus 55, and the like. In the following description, the term “apparatus” can be read as a circuit, a device, a unit, or the like. The hardware configuration of the server device 50 may be configured to include one or more devices illustrated in the drawing, or may be configured to exclude some devices.

  The processor 51 controls an entire computer by operating an operating system, for example. The processor 51 may be configured by a central processing unit (CPU) including an interface with a peripheral device, a control device, an arithmetic device, a register, and the like. Further, the processor 51 reads out a program (program code), a software module, and data from the storage 53 and / or the communication device 54 to the memory 52, and executes various processes according to these. A program that causes a computer to execute at least a part of the operation of the server device 50 is used as the program. Various processes executed in the server device 50 may be executed by one processor 51, or may be executed simultaneously or sequentially by two or more processors 51. Processor 51 may be implemented with one or more chips. Note that the program may be transmitted from a network via a telecommunication line.

  The memory 52 is a computer-readable recording medium and includes at least one of a read only memory (ROM), an erasable programmable ROM (EPROM), an electrically erasable programmable ROM (EEPROM), and a random access memory (RAM). May be done. The memory 52 may be called a register, a cache, a main memory (main storage device), or the like. The memory 52 can store a program (program code), a software module, and the like that can be executed to execute the monitoring method according to the embodiment of the present invention.

  The storage 53 is a computer-readable recording medium, for example, an optical disk such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disk, a magneto-optical disk (for example, a compact disk, a digital versatile disk, a Blu-ray). (Registered trademark) disk, a smart card, a flash memory (for example, a card, a stick, a key drive), a floppy (registered trademark) disk, and a magnetic strip. The storage 53 may be called an auxiliary storage device.

  The communication device 54 is hardware (transmission / reception device) for performing communication between computers via at least one of a wired network and a wireless network, and is also referred to as, for example, a network device, a network controller, a network card, a communication module, or the like. The communication device 54 includes a high-frequency switch, a duplexer, a filter, a frequency synthesizer, and the like, for example, in order to realize at least one of frequency division duplex (FDD) and time division duplex (TDD). May be configured.

  Each device such as the processor 51 and the memory 52 is connected by a bus 55 for communicating information. The bus 55 may be constituted by a single bus, or may be constituted by different buses between the devices.

  FIG. 3 is a diagram illustrating an example of a functional configuration of the server device 50. The server device 50 includes a position acquisition unit 501, a history acquisition unit 502, a request acquisition unit 503, a settlement control unit 504, an inquiry unit 505, a response acquisition unit 506, a settlement processing unit 507, and a notification unit 508. , Function as a history transmission unit 509. The functions of the server device 50 are performed by reading predetermined software (program) on hardware such as the processor 51 and the memory 52, so that the processor 51 performs an operation, and the communication by the communication device 54, the memory 52 or the storage 53 By controlling at least one of the data reading and the writing.

  The position acquisition unit 501 acquires position information indicating the position of a child. This position information may be transmitted from the position information terminal 20, for example.

  The history acquisition unit 502 acquires travel history information indicating a travel history of a child. This movement history information may be generated based on the position information acquired by the position acquisition unit 501, for example. The movement history information indicates when and where the child has gone. The movement history information may include, for example, the movement route of the child and the time the child stayed at each position on the movement route.

  The request acquisition unit 503 acquires a settlement request using the prepaid card 10. This payment request may be transmitted from the payment terminal 30, for example. The payment request includes, for example, a prepaid number, a date and time when the payment request was made, store information indicating a store where the payment terminal 30 is installed, and product information indicating a product or service to be purchased using the prepaid card 10. , And the amount of money for the product or service. As the date and time when the payment request is made, for example, the date and time when the payment terminal 30 reads the prepaid number from the prepaid card 10 may be used, or the date and time when the payment request is transmitted from the payment terminal 30 or the payment from the payment terminal 30 The date and time when the request was received may be used. As the product information, information for uniquely identifying the product or service may be used, or the type to which the product or service belongs may be used.

  The settlement control unit 504 controls execution of the settlement process depending on whether or not the movement history of the child satisfies the condition regarding the use of the prepaid card 10. For example, when the movement history of the child does not satisfy the condition for permitting use of the prepaid card 10, execution of the settlement process may be prohibited. This prohibition may be realized by, for example, a method of transmitting a control signal for prohibiting execution of the payment process to the payment processing unit 507. This control may be performed based on, for example, the settlement table 531 stored in the storage 53.

  FIG. 4 is a diagram illustrating an example of the payment table 531. The settlement table 531 includes a balance, an ID (Identification) of the position information terminal 20, an ID of the management terminal 40, payment source information, and a condition in association with the prepaid number. The prepaid number is a prepaid number stored in the prepaid card 10. The balance is an amount that can be settled using the prepaid card 10. The ID of the location information terminal 20 is information for uniquely identifying the location information terminal 20. The ID of the management terminal 40 is information for uniquely identifying the management terminal 40. The payment source information is information indicating a payment source specified in advance. The condition is a condition for permitting use of the prepaid card 10. These pieces of information may be registered in the payment table 531 in response to, for example, a parent operating the management terminal 40 using the input device 41.

  For example, it is assumed that the guardian has given the child a prepaid card 10 in which a prepaid number “12345” is stored. The ID of the location information terminal 20 used by this child is “001”. The ID of the management terminal 40 used by the guardian is “002”. In this case, the settlement table 531 includes the ID “001” of the location information terminal 20 and the ID “002” of the management terminal 40 in association with the prepaid number “12345”, as shown in FIG. In addition, the guardian pays the prepaid card 10 from a credit card owned by the guardian or an account of a financial institution. In this case, as shown in FIG. 4, the payment table 531 includes the credit card information or the financial institution account information as the payment source information in association with the prepaid number “12345”. The credit card information may include, for example, a credit card number. The account information of the financial institution may include, for example, the name of the financial institution, the name of the branch, and the account number. Further, when the parent moves along the travel route that the child follows the house, school, and cram school in this order, stops at the convenience store before moving to the house, and makes a settlement request after 18:00. , The use of the prepaid card 10 is permitted. In this case, as shown in FIG. 4, the settlement table 531 is associated with the prepaid number “12345”, and the route that the user has moved along the “home, school, cram school, convenience store” in this order. A condition and a time condition that a settlement request was made “after 18:00” are included.

  When the movement history of the child does not satisfy the condition regarding the use of the prepaid card 10, the inquiry unit 505 transmits a request for inquiring whether or not to execute the payment process to the management terminal 40 used by the guardian.

  The response acquisition unit 506 acquires a response indicating permission or rejection of execution of the settlement process in response to the request transmitted by the inquiry unit 505. This response may be transmitted from the management terminal 40, for example.

  The payment processing unit 507 performs the payment processing in response to the payment request when the movement history of the child satisfies the condition regarding the use of the prepaid card 10 or when the response acquisition unit 506 obtains a response indicating permission to execute the payment processing. Execute In this settlement processing, for example, payment of the amount included in the settlement request may be performed from the balance stored in the settlement table 531.

  When the settlement processing is completed, the notification unit 508 transmits a notification indicating that the settlement processing is completed to the settlement terminal 30. When the settlement process is not executed in response to the settlement request, the notification unit 508 transmits another notification indicating that the settlement process has not been executed to the settlement terminal 30.

  The history transmission unit 509 stores the movement history information acquired by the history acquisition unit 502, the usage history information indicating the history of the settlement processing executed by the settlement processing unit 507, and the history of the settlement processing prohibited by the settlement control unit 504. The unusable history information is transmitted to the management terminal 40. This usage history information indicates the content of the executed payment processing. The unusable history information indicates the contents of the settlement process whose execution is prohibited.

2. Operation 2-1. Payment Process FIG. 5 is a flowchart illustrating an example of the payment process. This payment processing is executed by the server device 50. The depositing process is started, for example, in response to the server device 50 receiving a deposit request. When the parent pays for the prepaid card 10, the payment request is transmitted from the management terminal 40 in accordance with the operation of the parent. On the other hand, it is also conceivable that a third party obtains the prepaid number of the prepaid card 10 by some method and deposits it into the prepaid card 10 for an improper purpose. In this case, the payment request is transmitted from a terminal (not shown) used by a third party.

  In step S11, a deposit request is received. The payment request includes, for example, the prepaid number of the prepaid card 10, payment source information indicating the payment source, and the amount to be paid.

  In step S12, it is determined whether or not the target payment source indicated by the payment source information included in the payment request is a previously specified payment source. For example, when the target payment source is different from the payment source indicated by the payment source information included in the settlement table 531, it indicates that the target payment source is not the payment source specified in advance. In this case, the determination in step S12 is NO, and the process proceeds to step S13.

  In step S13, a fraud request notification indicating that there has been a fraudulent payment request is transmitted to the management terminal 40. Upon receiving this fraud request notification, the management terminal 40 displays information indicating that there has been a fraudulent payment request on the display device 42. By viewing this information, the guardian can grasp that an illegal payment request has been made.

  On the other hand, in step S12 described above, for example, when the target payment source matches the payment source indicated by the payment source information included in the settlement table 531, it indicates that the target payment source is a previously specified payment source. In this case, the determination in step S12 is YES, and the process proceeds to step S14.

  In step S14, a deposit processing according to the deposit request is executed. For example, when the amount of money included in the deposit request is 1,000 yen, a process of depositing 1,000 yen into the prepaid card 10 from a previously designated deposit source is executed. In this case, 1000 yen is added to the balance included in the settlement table 531.

  In step S15, a completion notification indicating that the deposit processing has been completed is transmitted to the management terminal 40.

2-2. Tracking Process FIG. 6 is a sequence chart illustrating an example of the tracking process. This tracking process is executed by the position information terminal 20, the management terminal 40, and the server device 50 in cooperation. The tracking process is started, for example, at a predetermined time interval.

  In step S21, the location information indicating the current location of the child is transmitted from the location information terminal 20 to the server device 50. This position information is received by the position acquisition unit 501 and stored in the storage 53.

  In step S22, the history acquisition unit 502 of the server device 50 generates movement history information indicating the movement history of the child based on the position information stored in the storage 53. For example, if it is recognized based on this location information that the child has left home at 8:00 and arrived at school at 8:30, and has left school at 16:00 and arrived at the cram school at 16:30, Travel history information including a travel route that traces the house, school, and cram school in this order, time spent at school, and time spent at cram school is generated. The movement history information generated in this way is stored in the storage 53.

  In step S23, the movement history information generated in step S22 is transmitted from the history transmission unit 509 of the server device 50 to the management terminal 40.

  In step S24, the management terminal 40 displays a screen 410 corresponding to the movement history information received from the server device 50 on the display device.

  FIG. 7 is a diagram illustrating an example of the screen 410. Screen 410 includes a map 411. On the map 411, a line drawing 412 indicating the movement history of the child based on the movement history information is described. The last part of the line drawing 412 indicates the current position of the child. By viewing this screen 410, the parent can grasp the movement history and the current position of the child.

2-3. FIG. 8 is a sequence chart showing an example of the use restriction process. The use restriction process is executed by the settlement terminal 30, the management terminal 40, and the server device 50 in cooperation. The use restriction process is started, for example, when a child goes to a store and purchases a product or service using the prepaid card 10. Here, it is assumed that the child goes to the convenience store “Store A” and purchases a beverage of 100 yen using the prepaid card 10.

  In step S31, the payment terminal 30 reads the prepaid number from the prepaid card 10. For example, when a prepaid number “12345” is stored in the prepaid card 10, this prepaid number is read.

  In step S32, a payment request is transmitted from payment terminal 30 to server device 50. The settlement request includes, for example, the date and time when the settlement request was made, the prepaid number “12345” read in step S31, store information indicating “store A”, product information indicating “beverage”, and The price includes "100 yen" as a consideration. This settlement request is received by the request acquisition unit 503.

  In step S33, the settlement control unit 504 of the server device 50 determines whether or not the movement history of the child satisfies the condition for permitting use of the prepaid card 10. For example, when the travel history indicated by the travel history information stored in the storage 53 includes a travel history that traces a house, a school, a cram school, and a convenience store in this order, the child sets “house, school, cram school, convenience store” to this. Since the user travels along the route that is followed in order, the route condition included in the settlement table 531 is satisfied. Further, when the date and time included in the payment request is “May 1, 18:10”, the time included in this date and time is after 18:00, so that the time condition included in the payment table 531 is satisfied. As described above, when both the route condition and the time condition are satisfied, it indicates that the movement history satisfies the condition for permitting use of the prepaid card 10. In this case, the determination in step S33 is YES, and the process proceeds to step S34 because payment controller 504 permits the execution of the payment process.

  In step S34, the payment processing unit 507 of the server device 50 executes a payment process according to the payment request. For example, the amount “100 yen” included in the payment request is subtracted from the balance “1000 yen” included in the payment table 531 shown in FIG. By this processing, the balance becomes “900 yen”.

  In step S35, a completion notification indicating that the payment process has been completed is transmitted from the notification unit 508 of the server device 50 to the payment terminal 30.

  In step S36, the usage history information stored in the storage 53 is updated based on the contents of the settlement processing executed in step S34. This usage history information indicates the history of the payment processing executed by the payment processing unit 507. For example, when the payment processing of paying 100 yen as the price of the beverage at the convenience store “Store A” is performed at 18:10 on May 1, the payment date and time “May 1 18:10” and “ Store information indicating “Store A”, product information indicating “Beverage”, and the price “100 yen” serving as the price of the beverage are added to the usage history information.

  In step S37, the updated usage history information is transmitted from the server device 50 to the management terminal 40.

  In step S38, the usage history information received from the server device 50 is displayed on the display device 42 of the management terminal 40.

  FIG. 9 is a diagram illustrating a display example of the usage history information. In this example, based on the usage history information, the contents 413 of a predetermined number of usage histories whose payment date and time are new are displayed on a screen 410 shown in FIG. The content 413 of the usage history may include all the information included in the usage history information, or may include a part of the information included in the usage history information. In addition, on the map 411, a balloon image 414 is arranged toward a position where a store corresponding to the content 413 of the usage history exists. In the balloon image 414, a part of the content 413 of the usage history is described. For example, the balloon image 414 is arranged toward the position of the convenience store “Store A”. The balloon image 414 describes the price “100 yen” and the product information “beverage” included in the contents 413 of the usage history.

  On the other hand, in step S33 described above, for example, if the travel history indicated by the travel history information stored in the storage 53 includes a travel route around the house, school, and convenience store in this order, the child is referred to as “home, school, The route condition included in the settlement table 531 is not satisfied because the user does not move along the travel route that follows the “juku, convenience store” in this order. Further, when the date and time included in the payment request is “May 1, 17:55”, the time included in this date and time is before 18:00, so that the time condition included in the payment table 531 is not satisfied. When the route condition or the time condition is not satisfied, it indicates that the movement history does not satisfy the condition for permitting use of the prepaid card 10. In this case, the determination in step S33 is NO, and the process proceeds to step S39.

  In step S39, an inquiry request is sent from the inquiry unit 505 of the server device 50 to the management terminal 40 to inquire whether the use of the prepaid card 10 is permitted. This inquiry request includes the contents of the settlement request.

  In step S40, in response to the inquiry request received from server device 50, inquiry screen 420 for inquiring whether to use prepaid card 10 is displayed on display device 42 of management terminal 40.

  FIG. 10 is a diagram illustrating an example of the inquiry screen 420. The inquiry screen 420 may be displayed, for example, on the screen 410 shown in FIG. The inquiry screen 420 includes an allow button 421 and a reject button 422 along with the contents of the settlement request. The permission button 421 receives an operation for permitting use of the prepaid card 10. On the other hand, the reject button 422 accepts an operation to reject the use of the prepaid card 10. The guardian looks at the contents of the settlement request and decides whether or not to permit use of the prepaid card 10. When the use of the prepaid card 10 is permitted, the permission button 421 is pressed by using the input device 41. On the other hand, when the use of the prepaid card 10 is rejected, the reject button 422 is pressed using the input device 41.

  In step S41, a response indicating permission or denial of use of the prepaid card 10 is transmitted from the management terminal 40 to the server device 50. For example, when the parent performs an operation of pressing the permission button 421, a response indicating that the use of the prepaid card 10 is permitted is transmitted. On the other hand, when the guardian performs an operation of pressing the reject button 422, a response indicating that the use of the prepaid card 10 is rejected is transmitted.

  In step S42, settlement controller 504 of server device 50 determines whether use of prepaid card 10 is permitted or not. For example, when a response indicating that use of the prepaid card 10 is permitted is received from the management terminal 40, the determination in step S42 is YES. In this case, the settlement control unit 504 permits execution of the settlement process, and the process proceeds to step S34 described above. Then, the processing of steps S34 to S38 described above is performed. On the other hand, when a response indicating that the use of the prepaid card 10 is refused is received from the management terminal 40, the determination in step S42 is NO. In this case, the settlement control unit 504 prohibits execution of the settlement process, and the process proceeds to step S43.

  In step S43, the notification unit 508 of the server device 50 transmits a use-disapproval notice indicating that the prepaid card 10 cannot be used to the settlement terminal 30. In this case, the child cannot use the prepaid card 10 to purchase a beverage.

  In step S44, the unavailability history information stored in the storage 53 is updated based on the contents of the settlement request corresponding to the settlement process whose execution has been prohibited. This unavailable history information indicates the history of the payment process prohibited from being executed by the payment control unit 504. For example, at 17:55 on May 1, a payment request for paying 100 yen for a drink at a convenience store “Store A” is made, but the execution of the payment process in response to the payment request is prohibited. The date and time “May 1 17:55” when the request was made, the store information indicating “Store A”, the product information indicating “Beverage”, and the price “100 yen” for the drink Added to unavailable history information.

2-4. List Display Process FIG. 11 is a sequence chart illustrating an example of the list display process. This list display process is executed by the management terminal 40 and the server device 50 in cooperation. The list display process is started, for example, in response to an operation performed by the parent using the input device 41 to instruct a list display of the usage history and the unusable history of the prepaid card 10.

  In step S51, a history acquisition request is transmitted from the management terminal 40 to the server device 50, requesting transmission of the usage history information and the unusable history information.

  In step S52, the use history information and the unusable history information are transmitted from the history transmission unit 509 of the server device 50 to the management terminal 40. These pieces of information are read from the storage 53 and transmitted.

  In step S53, a list screen 430 corresponding to the usage history information and the unusable history information received from the server device 50 is displayed on the display device 42 of the management terminal 40.

  FIG. 12 is a diagram illustrating an example of the list screen 430. The list screen 430 includes usage history information and an unusable history. By viewing the list screen 430, the parent can grasp the history of the use of the prepaid card 10 by the child. In addition, by viewing the list screen 430, the parent can grasp the history in which the child could not use the prepaid card 10. Therefore, the guardian can discuss daily activities with the child and how to use the prepaid card 10 based on, for example, the unusable history information.

  In the above-described embodiment, “storage 53”, “child”, “guardian”, “management terminal 40”, “display device 42”, “use history information”, and “unavailability history information” It is used as the “storage unit”, “user”, “other user”, “terminal device”, “display unit”, “payment history information”, and “payment prohibition history information” according to the present invention.

  According to the embodiment described above, if the movement history of the child does not satisfy the condition for permitting use of the prepaid card 10, the settlement processing is not executed. Therefore, the use of the prepaid card 10 is restricted by the movement history of the child. Can be. In addition, if the child's travel route does not satisfy the route condition, the settlement process is not executed, so that the use of the prepaid card 10 can be restricted by the child's travel route. Further, if the time when the child makes the payment request does not satisfy the time condition, the payment process is not executed, so that the use of the prepaid card 10 can be restricted by the time when the child makes the payment request. Furthermore, even if the movement history of the child does not satisfy the conditions for permitting the use of the prepaid card 10, if the guardian permits the execution of the payment processing using the management terminal 40, the child can use the prepaid card 10 to perform the payment. It can be performed. In addition, if the owner of the location information terminal 20 is performing an action different from the behavior of the child that the guardian knows, the child cannot use the prepaid card 10. Even if the user loses the prepaid card 20 or the prepaid card 10, or if the location information terminal 20 and the prepaid card 10 are stolen by a third party, the third party can be prevented from using the prepaid card 10 illegally. .

3. Modifications The present invention is not limited to the embodiments described above. The embodiment described above may be modified as follows. Further, two or more of the following modifications may be combined.

  In the above-described embodiment, the condition may further include a pass condition that the child has passed a predetermined pass point. In this case, the payment control unit 504 may prohibit the execution of the payment process when the moving route does not satisfy the passage condition. For example, when the parent permits the use of the prepaid card 10 only when the child has returned home from school, the conditions for permitting the use of the prepaid card 10 include a pass condition that the child has passed the house. Is also good. In this case, when the moving route does not include a house, execution of the settlement process may be prohibited. According to this modification, the use of the prepaid card 10 can be restricted by the passing point through which the child has passed.

  In the above-described embodiment, the condition may further include a stay condition that the time during which the child stayed at the specific place is equal to or longer than a predetermined stay time. In this case, the payment control unit 504 may prohibit the execution of the payment process when the time included in the movement history of the user staying at the specific place does not satisfy the stay condition. For example, when a parent / guardian permits the use of the prepaid card 10 on condition that the child stays at the cram school for one hour or more, the condition for permitting the use of the prepaid card 10 includes one hour that the child stays at the cram school. A stay condition of more than hours may be included. In this case, if the child included in the movement history stays at the cram school for less than one hour, execution of the settlement process may be prohibited. According to this modification, the use of the prepaid card 10 can be restricted depending on the time during which a child stays at a specific place.

  In the above-described embodiment, the condition may include a place condition that a store where a child uses the prepaid card 10 is in a specific area or position. If the location of the store indicated by the store information included in the payment request does not satisfy the location condition, the payment control unit 504 may prohibit execution of the payment process. For example, when the guardian permits the use of the prepaid card 10 only for a store within 1 km from the house, the conditions for permitting the use of the prepaid card 10 include a place condition that the person is within 1 km from the house. It may be. In this case, if the store indicated by the store information included in the payment request is located more than 1 km from the house, execution of the payment process may be prohibited. The location of the store may be specified based on, for example, map information.

  In the above-described embodiment, the condition may include an amount condition that the amount of the settlement is equal to or less than the upper limit amount of the settlement. In this case, the settlement control unit 504 may prohibit the execution of the settlement process when the amount included in the settlement request does not satisfy the amount condition. For example, in the case where the upper limit of the amount for which the guardian permits the payment is 1000 yen, the condition for permitting use of the prepaid card 10 may include the amount condition of 1000 yen or less. In this case, if the amount of money included in the payment request is larger than 1000 yen, execution of the payment processing may be prohibited. The upper limit may be the upper limit of the amount that can be settled at one time, or may be the upper limit of the accumulated amount that can be settled in a predetermined period.

  In the embodiment described above, the condition may include a product condition that the product or service to be settled is a predetermined product or service or belongs to a predetermined type. In this case, the payment control unit 504 may prohibit the execution of the payment process when the product or service indicated by the product information included in the payment request does not satisfy the product condition. For example, when the parent permits only the purchase of the beverage, the condition for permitting the use of the prepaid card 10 may include a product condition of belonging to the beverage. In this case, if the product indicated by the product information included in the payment request does not belong to the beverage, the execution of the payment process may be prohibited.

  In the above-described embodiment, the condition may include store information indicating a store where use of the prepaid card 10 is permitted. As the store information, information for uniquely identifying the store may be used, or the type of the store may be used. The settlement control unit 504 may prohibit execution of the settlement process when the store indicated by the store information included in the settlement request is different from the store indicated by the store information included in the condition or does not belong to the type of the store. Good. For example, when the guardian permits the use of the prepaid card 10 only at the convenience store, the condition for permitting the use of the prepaid card 10 may include a store condition of belonging to the convenience store. In this case, if the store indicated by the store information included in the payment request does not belong to the convenience store, the execution of the payment process may be prohibited.

  In the above-described embodiment, when the balance of the prepaid card 10 is smaller than the amount included in the settlement request, if the condition is satisfied, a predetermined payment source is automatically determined from the pre-specified payment source without the operation of the guardian. May be deposited. Here, it is assumed that the predetermined amount is 1,000 yen. For example, when the balance of the prepaid card 10 is 50 yen and the amount included in the settlement request is 100 yen, the balance is insufficient. In this case, 1000 yen may be paid from the payment source indicated by the payment source information included in the settlement table 531. According to this modification, even if the balance is insufficient, the parent does not have to perform an operation for depositing money, so that the burden on the parent is reduced.

  In the above-described embodiment, when other conditions for performing automatic payment are satisfied, a predetermined amount may be automatically received from a previously specified payment source without the intervention of a parent or guardian. Here, it is assumed that the predetermined amount is 1,000 yen. Another condition may be, for example, that the child has returned home. In this case, when the child moves to the house, 1000 yen may be paid from the payment source indicated by the payment source information included in the settlement table 531. By this processing, for example, the balance is 0 yen until the child returns home from school, but the balance is automatically 1000 yen when the child returns home. Therefore, for example, even if the school prohibits bringing in money, this can be dealt with. That is, the child does not have any money while going to school and can go out with money after returning home. In this case, the parent does not have to check whether the child has returned home or perform an operation for depositing money, so that the burden on the parent is reduced.

  In the above-described embodiment, if the condition is continuously satisfied for a predetermined period, a privilege may be given to the child. This privilege may be, for example, an increase in the balance or a relaxation of the condition. For example, a predetermined amount may be paid from a pre-designated payment source. For example, if the condition is always satisfied for one month, 1000 yen may be paid from the payment source indicated by the payment source information included in the settlement table 531. In this case, the time condition may be deleted from the route condition and the time condition included in the condition for permitting use of the prepaid card 10. According to this modification, it is possible to increase the motivation of the child to perform an action satisfying the condition.

  In the above-described embodiment, a new condition may be generated by machine learning the movement history information of the child and the operation history information indicating the history of the permission or refusal operation of the guardian. For example, if a payment request using the prepaid card 10 is made a plurality of times at a convenience store while going from a school to a cram school, and the parent / guardian has permitted all payment processing in accordance with these payment requests, the house, A new route condition that a school and a convenience store have been moved along a moving route that travels in this order may be generated. Also, for example, between 17:30 and 18:00, a payment request using the prepaid card 10 is made multiple times at a convenience store, and if the parent has permitted all the payment processing in accordance with these payment requests, A new time condition may be generated that a payment request was made within the time from 17:30 to 18:00. The new conditions generated in this way are stored in the settlement table 531. According to this modification, the conditions are automatically optimized, so that it is not necessary for the parent to register the conditions, and the number of times the parent performs the operation of permitting or rejecting the settlement processing is reduced, and The burden is reduced.

  In the above-described embodiment, the condition is not limited to the condition for permitting use of the prepaid card 10 as long as the condition relates to the use restriction of the prepaid card 10. For example, a condition for refusing use of the prepaid card 10 may be used, or both a condition for permitting use of the prepaid card 10 and a condition for refusing use may be used.

  In the above-described embodiment, when the condition is not satisfied, it is not always necessary to inquire the management terminal 40. For example, when the condition is not satisfied, the execution of the settlement process may be prohibited as it is.

  In the embodiment described above, the method of measuring the position of the child is not limited to the method using GPS. The position of the child may be measured in a non-GPS manner. For example, the position of the child may be specified from radio waves received from an access point or a base station near the position information terminal 20.

  In the embodiment described above, the medium used for settlement is not limited to the prepaid card 10. For example, any medium may be used as long as it is a medium used for settlement, such as a credit card and a debit card.

  In the above-described embodiment, at least a part of the functions of the location information terminal 20, the payment terminal 30, the management terminal 40, or the server device 50 may be implemented in another device. Further, the location information terminal 20, the settlement terminal 30, and the management terminal 40 may each have a hardware configuration similar to the hardware configuration of the server device 50 illustrated in FIG.

  The present invention may be provided as a method including steps of processing performed in the payment system 1, the location information terminal 20, the payment terminal 30, the management terminal 40, or the server device 50. Further, the present invention may be provided as a program executed in the location information terminal 20, the settlement terminal 30, the management terminal 40, or the server device 50.

  Note that the block diagram used in the description of the above-described embodiment shows blocks in functional units. These functional blocks (components) are realized by an arbitrary combination of at least one of hardware and software. In addition, a method of implementing each functional block is not particularly limited. That is, each functional block may be realized using one device physically or logically coupled, or directly or indirectly (for example, two or more devices physically or logically separated from each other). , Wired, wireless, etc.), and may be implemented using these multiple devices. The functional block may be realized by combining one device or the plurality of devices with software.

  Functions include judgment, decision, judgment, calculation, calculation, processing, derivation, investigation, search, confirmation, reception, transmission, output, access, resolution, selection, selection, establishment, comparison, assumption, expectation, deemed, Broadcasting, notifying, communicating, forwarding, configuring, reconfiguring, allocating, mapping, assigning, but not limited to these I can't. For example, a functional block (configuration unit) that causes transmission to function is called a transmitting unit (transmitting unit) or a transmitter (transmitter). In any case, as described above, the realization method is not particularly limited.

  The server device 50 includes hardware such as a microprocessor, a digital signal processor (DSP), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array). Alternatively, some or all of the functional blocks of the server device 50 may be realized by the hardware. For example, the processor 51 may be implemented by at least one of these hardware.

  The notification of information is not limited to the aspects / embodiments described in the present disclosure, and may be performed using another method. For example, the notification of information includes physical layer signaling (eg, DCI (Downlink Control Information), UCI (Uplink Control Information)), higher layer signaling (eg, RRC (Radio Resource Control) signaling, MAC (Medium Access Control) signaling, Broadcast information (MIB (Master Information Block), SIB (System Information Block))), other signals, or a combination thereof may be used. Further, the RRC signaling may be called an RRC message, and may be, for example, an RRC connection setup message, an RRC connection reconfiguration message, or the like.

  Each aspect / embodiment described in the present disclosure is applicable to LTE (Long Term Evolution), LTE-A (LTE-Advanced), SUPER 3G, IMT-Advanced, 4G (4th generation mobile communication system), 5G (5th generation mobile communication system). system), FRA (Future Radio Access), NR (new Radio), W-CDMA (registered trademark), GSM (registered trademark), CDMA2000, UMB (Ultra Mobile Broadband), IEEE 802.11 (Wi-Fi (registered trademark) )), Systems utilizing IEEE 802.16 (WiMAX®), IEEE 802.20, UWB (Ultra-WideBand), Bluetooth (registered trademark), and other suitable systems, and extensions based thereon. It may be applied to at least one of the next generation systems. Further, a plurality of systems may be combined (for example, a combination of at least one of LTE and LTE-A with 5G) and applied.

  The processing procedure, sequence, flowchart, and the like of each aspect / embodiment described in the present disclosure may be rearranged as long as there is no inconsistency. For example, for the methods described in this disclosure, elements of various steps are presented in an exemplary order, and are not limited to the specific order presented.

  Information and the like can be output from an upper layer (or lower layer) to a lower layer (or upper layer). Input and output may be performed via a plurality of network nodes.

  The input and output information and the like may be stored in a specific place (for example, a memory) or may be managed using a management table. Information that is input and output can be overwritten, updated, or added. The output information or the like may be deleted. The input information or the like may be transmitted to another device.

  The determination may be made based on a value represented by 1 bit (0 or 1), a Boolean value (Boolean: true or false), or a comparison of numerical values (for example, a predetermined value). Value).

  Each aspect / embodiment described in the present disclosure may be used alone, may be used in combination, or may be switched and used with execution. Further, the notification of the predetermined information (for example, the notification of “X”) is not limited to being explicitly performed, and is performed implicitly (for example, not performing the notification of the predetermined information). Is also good.

  Software, regardless of whether it is called software, firmware, middleware, microcode, a hardware description language, or any other name, instructions, instruction sets, codes, code segments, program codes, programs, subprograms, software modules , Applications, software applications, software packages, routines, subroutines, objects, executables, threads of execution, procedures, functions, and the like.

  In addition, software, instructions, information, and the like may be transmitted and received via a transmission medium. For example, if the software uses at least one of wired technology (coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), etc.) and wireless technology (infrared, microwave, etc.), the website, When transmitted from a server or other remote source, at least one of these wired and / or wireless technologies is included within the definition of a transmission medium.

  The information, signals, etc. described in this disclosure may be represented using any of a variety of different technologies. For example, data, instructions, commands, information, signals, bits, symbols, chips, etc., that can be referred to throughout the above description are not limited to voltages, currents, electromagnetic waves, magnetic or magnetic particles, optical or photons, or any of these. May be represented by a combination of

  Note that terms described in the present disclosure and terms necessary for understanding the present disclosure may be replaced with terms having the same or similar meaning. For example, at least one of the channel and the symbol may be a signal (signaling). Also, the signal may be a message. Further, a component carrier (CC) may be called a carrier frequency, a cell, a frequency carrier, or the like.

  The terms "system" and "network" as used in this disclosure are used interchangeably.

  Further, the information, parameters, and the like described in the present disclosure may be expressed using an absolute value, may be expressed using a relative value from a predetermined value, or may be expressed using another corresponding information. May be represented. For example, the radio resource may be indicated by an index.

  The names used for the parameters described above are not limiting in any way. Further, equations and the like using these parameters may differ from those explicitly disclosed in the present disclosure. Since the various channels (eg, PUCCH, PDCCH, etc.) and information elements can be identified by any suitable name, the various names assigned to these various channels and information elements may be limited in any way. is not.

  In the present disclosure, terms such as “Mobile Station (MS)”, “user terminal”, “User Equipment (UE)”, “terminal” and the like may be used interchangeably. . A mobile station can be a subscriber station, mobile unit, subscriber unit, wireless unit, remote unit, mobile device, wireless device, wireless communication device, remote device, mobile subscriber station, access terminal, mobile terminal, wireless terminal, by one of ordinary skill in the art. It may also be called a terminal, a remote terminal, a handset, a user agent, a mobile client, a client, or some other suitable term.

  At least one of the base station and the mobile station may be called a transmitting device, a receiving device, a communication device, or the like. Note that at least one of the base station and the mobile station may be a device mounted on the mobile unit, the mobile unit itself, or the like. The moving object may be a vehicle (for example, a car, an airplane, or the like), may be an unmanned moving object (for example, a drone, an autonomous vehicle), or may be a robot (maned or unmanned). ). Note that at least one of the base station and the mobile station includes a device that does not necessarily move during a communication operation. For example, at least one of the base station and the mobile station may be an IoT (Internet of Things) device such as a sensor.

  The terms "determining" and "determining" as used in the present disclosure may encompass a wide variety of operations. `` Judgment '', `` decision '', for example, judgment (judging), calculation (calculating), calculation (computing), processing (processing), derivation (deriving), investigating (investigating), searching (looking up, search, inquiry) (E.g., searching in a table, database, or another data structure), ascertaining may be considered "determined", "determined", and the like. Also, “determining” and “deciding” include receiving (eg, receiving information), transmitting (eg, transmitting information), input (input), output (output), and access. (accessing) (for example, accessing data in a memory) may be regarded as “determined” or “determined”. In addition, `` judgment '' and `` decision '' means that resolving, selecting, selecting, establishing, establishing, comparing, etc. are regarded as `` judgment '' and `` decided ''. May be included. In other words, “judgment” and “decision” may include deeming any operation as “judgment” and “determined”. “Judgment (determination)” may be read as “assuming”, “expecting”, “considering”, or the like.

  Reference to “based on” as used in the present disclosure does not mean “based solely on” unless otherwise indicated. In other words, the phrase "based on" means both "based only on" and "based at least on."

  Where the terms “include”, “including” and variations thereof are used in the present disclosure, these terms are as inclusive as the term “comprising” Is intended. Further, the term "or" as used in the present disclosure is not intended to be an exclusive or.

  In the present disclosure, where articles are added by translation, for example, a, an and the in English, the present disclosure may include that the nouns following these articles are plural.

  In the present disclosure, the term “A and B are different” may mean “A and B are different from each other”. The term may mean that “A and B are different from C”. Terms such as "separate", "coupled" and the like may be interpreted similarly to "different".

  While the present disclosure has been described in detail, it will be apparent to one skilled in the art that the present disclosure is not limited to the embodiments described in the present disclosure. The present disclosure can be implemented as modified and changed aspects without departing from the spirit and scope of the present disclosure defined by the description of the claims. Therefore, the description of the present disclosure is intended for illustrative purposes, and has no restrictive meaning to the present disclosure.

1: Payment system, 10: Prepaid card, 20: Location information terminal, 30: Payment terminal, 40: Management terminal, 41: Input device, 42: Display device, 50: Server device, 501: Location acquisition unit, 502: History Acquisition unit, 503: request acquisition unit, 504: settlement control unit, 505: inquiry unit, 506: response acquisition unit, 507: settlement processing unit, 508: notification unit, 509: history transmission unit

Claims (10)

A storage unit that stores an amount that can be settled using a medium, and a condition regarding a use restriction of the medium,
A history acquisition unit that acquires travel history information indicating a travel history of the user;
A request acquisition unit that acquires a settlement request using the medium,
A payment processing unit configured to execute a payment process for performing payment from the money amount in response to the payment request depending on whether the movement history indicated by the movement history information satisfies the condition. The condition includes a route condition that the user has moved along a predetermined moving route,
The server device according to claim 1, further comprising: a payment control unit that prohibits execution of the payment process when a travel route included in the travel history does not satisfy the route condition. The condition further includes a time condition that the user has made the settlement request within a predetermined time,
The server device according to claim 2, wherein the payment control unit prohibits execution of the payment process when the time at which the payment request is made does not satisfy the time condition. The condition further includes a pass condition that the user has passed a predetermined pass point,
The server device according to claim 2, wherein the settlement control unit prohibits execution of the settlement process when the travel route does not satisfy the passage condition. The travel history includes a time at which the user was at each position on the travel route,
The condition further includes a stay condition that the time at which the user stayed at a specific place is equal to or longer than a predetermined stay time,
The said settlement control part prohibits execution of the said settlement process, when the time which the user contained in the said movement history stayed at the said specific place does not satisfy the said stay condition. Item 2. The server device according to item 1. When the movement history does not satisfy the condition, an inquiry unit that transmits a request for inquiring whether to execute the payment process to a terminal device used by another user different from the user,
A response acquisition unit that acquires a response indicating permission or rejection of execution of the payment process from the terminal device in response to the request,
The server device according to any one of claims 1 to 5, further comprising: a payment control unit that permits the execution of the payment process when the response indicates that the execution of the payment process is permitted. A server device,
A position information terminal that transmits position information indicating the position of the user to the server device,
A payment terminal that transmits a payment request using a medium to the server device,
The server device,
A storage unit that stores an amount that can be settled by using the medium and a condition related to a use restriction of the medium,
A history acquisition unit that acquires travel history information indicating the travel history of the user generated based on the position information,
A request acquisition unit for acquiring the settlement request;
A payment processing unit that performs a payment process of performing payment from the money amount in response to the payment request depending on whether the movement history indicated by the movement history information satisfies the condition. Further comprising a terminal device used by another user different from the user,
The server device,
A history transmission unit that transmits the movement history information and payment history information indicating the history of the executed payment process to the terminal device,
The terminal device,
The payment system according to claim 7, further comprising: a display unit configured to display the movement history and the history of the payment process based on the movement history information and the payment history information received from the server device. The history transmission unit transmits, to the terminal device, settlement prohibition history information indicating a history of the settlement process prohibited from being executed,
The payment system according to claim 8, wherein the display unit displays a history of the payment process whose execution has been prohibited, based on the payment prohibition history information received from the server device. On the computer,
Obtaining travel history information indicating a travel history of the user;
Obtaining a payment request using the medium;
Depending on whether or not the movement history indicated by the movement history information satisfies a condition related to a use restriction of the medium stored in a storage unit, the amount of money stored in the storage unit is settled using a medium. Executing a payment process for performing payment from the amount in response to the payment request.

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