JP2022089204A - Management device, management system, and program - Google Patents

Abstract

To provide a management device, a management method, and a management system, enabling even a person who has no settlement authority to perform settlement in an industrial advantage.SOLUTION: In a management system, a management device for settlement of a first member B belonging to an affiliation organization includes: first storage means which stores a first member number of a first member and the affiliation organization identification information of the affiliation organization; second storage means which stores a second member number of a second member A belonging to the affiliation organization and different from the first member as a person who has the authority to settle payments in association with the first member number; and means for putting an application in a pending state until accepting settlement approval from the second member after accepting the application of settlement from the first member.SELECTED DRAWING: Figure 3

Description

The present invention relates to a management device for payment, a management method, a management system, or a program applied thereto.

Conventionally, credit cards, debit cards, and prepaid cards have been widely used. In recent years, payment systems such as credit cards, debit cards, and prepaid cards have been studied, and electronic payments have been actively performed. There is. However, while convenience has improved, it has become easier for children to handle various payment cards, and along with this, for example, children purchase high-priced products and make payments without their parents' knowledge. There is also the problem of getting rid of it, and in response to this problem, family cards and the like have been studied and introduced for payment of children. With family cards, it is generally possible to set a limit amount, but recently, it has been further studied to set a limit amount for each item of use (Patent Document 1).

However, even if the limit is set for each usage item, if the limit is set too small, the purchase options will be extremely narrowed, and there is a problem that the necessary items cannot be purchased. On the other hand, the limit is set. Setting it too large would be a waste of money, which was also a problem. In addition, the family card also has a problem that it is difficult to prevent spoofing settlement by other children due to bullying, for example, and the conventional system is not always satisfactory. Therefore, unlike the conventional system such as family cards, new measures such as solving the above problems and supporting the proper use of cards by children, instead of simply setting the limit amount including items to be used, etc. Was long-awaited.

JP-A-2017-16891

It is an object of the present invention to provide a management device, a management method and a management system capable of making an industrially advantageous settlement even by a person who does not have the authority to approve the settlement.

As a result of diligent studies to achieve the above object, the present inventors are a management device for a first member belonging to an organization to make a payment, and the first member number of the first member. And the first storage means for storing the affiliation organization identification information of the affiliation organization, and the first member number, which belongs to the affiliation organization and is different from the first member. It has a second storage means that stores the second member number of the second member as the person who has the authority to approve the settlement, and further, the first member applies for the settlement. After acceptance, until the approval of the settlement is accepted from the second member, the management device having the means to put the application in a pending state makes the settlement industrially advantageous even for a person who does not have the authority to approve the settlement. We found that we could do it, and found that such a management device could solve the above-mentioned conventional problems at once.
In addition, after obtaining the above findings, the present inventors have further studied and completed the present invention.

That is, the present invention relates to the following invention.
[1] It is a management device for the first member belonging to the affiliated organization to make a payment, and stores the first member number of the first member and the organization identification information to which the affiliated organization belongs. The second member number of the second member who belongs to the affiliated organization and is different from the first member in association with the first storage means and the first member number. It has a second storage means that is stored as the person who has the authority to approve the settlement, and after receiving the application for the settlement from the first member, the second member makes the settlement. A management device characterized by having a means for putting the application in a pending state until the approval is accepted.
[2] The management device according to the above [1], wherein the payment is a card payment.
[3] The third member number of the third member belonging to the organization to which the second storage means belongs and different from the first member or the second member is settled. The management device according to the above [1] or [2], which is stored as a congressor or an information sharer.
[4] The management device according to any one of [1] to [3], wherein the affiliated organization is a family member, the first member is a child, and the second member is a parent.
[5] The management according to any one of the above [1] to [3], wherein the affiliated organization is a company, the first member is an employee, and the second member is a management supervisor. Device.
[6] A management method for the first member belonging to the affiliated organization to settle, and storing the first member number of the first member and the organization identification information to which the affiliated organization belongs. The second member number of the second member who belongs to the affiliated organization and is different from the first member in association with the first member number in the storage step of 1 is settled. The second storage step to be stored as a decision-making authority, and after receiving the payment application from the first member, the application is in a pending state until the payment is approved by the second member. A management method characterized by including pending steps.
[7] The management method according to the above [6], wherein the payment is a card payment.
[8] The third member number of the third member belonging to the organization to which the second storage step belongs and different from the first member or the second member is settled. The management method according to the above [6] or [7], which is stored as a congressor.
[9] The management method according to any one of [6] to [8], wherein the affiliated organization is a family member, the first member is a child, and the second member is a parent.
[10] The management according to any one of the above [6] to [8], wherein the affiliated organization is a company, the first member is an employee, and the second member is a management supervisor. Method.
[11] A management device for a first member belonging to the affiliated organization to make a payment, a first member terminal of the first member, and the first member belonging to the affiliated organization. Is a management system in which a second member terminal of a different second member is communicably connected via a communication line, and the management device is a first member of the first member. The first member who belongs to the affiliated organization and is associated with the first storage means for storing the member number and the organization identification information to which the affiliated organization belongs, and the first member number. It has a second storage means for storing the second member number of the second member different from the above as the person who has the authority to approve the settlement, and further, from the first member terminal, the said After receiving the payment application, the payment approval request is transmitted to the second member terminal, and then the application is pending until the payment approval information is received from the second member terminal. A management system characterized by having a means of making it state.
[12] The management system according to the above [11], wherein the payment is a card payment.
[13] The third member number of the third member belonging to the organization to which the second storage means belongs and different from the first member or the second member is settled. The management system according to the above [11] or [12], which is remembered as a congressor.
[14] The management system according to any one of [11] to [13], wherein the affiliated organization is a family member, the first member is a child, and the second member is a parent.
[15] The management according to any one of the above [11] to [13], wherein the affiliated organization is a company, the first member is an employee, and the second member is a management supervisor. system.
[16] It is a management device for the first member belonging to the affiliated organization to make a payment, and stores the first member number of the first member and the organization identification information to which the affiliated organization belongs. The second member number of the second member who belongs to the affiliated organization and is different from the first member in association with the first storage means and the first member number. After receiving the application for the settlement from the first member of the management device having the second storage means stored as the person who has the authority to approve the settlement, the second member approves the settlement. A program that functions as a means to put the application in a pending state until it is accepted.
[17] A management device for a first member belonging to the affiliated organization to make a payment, a first member terminal of the first member, and the first member belonging to the affiliated organization. In a management system in which a second member terminal of a different second member is communicably connected via a communication line, the first member number of the first member and the organization to which the first member belongs. A second configuration that belongs to the affiliated organization and is different from the first member in association with the first storage means that stores the organization identification information of the affiliation and the first member number. The management device having the second storage means for storing the second member number of the member as the person who has the authority to approve the payment received the payment application from the first member terminal. After that, it functions as a means for putting the application in a pending state until the payment approval request is transmitted to the second member terminal and then the payment approval information is received from the second member terminal. Program to let you.

The management device, management method, and management system of the present invention can make an industrially advantageous settlement even by a person who does not have the authority to approve the settlement.

It is a schematic block diagram which shows typically an example of a preferable embodiment of the management system of this invention. It is a schematic block diagram schematically showing an example of another preferable embodiment of the management system of this invention. It is a figure which shows typically an example of the information processing flow preferably carried out in the management system of this invention. It is a figure which shows typically the flow chart of the settlement settlement which is preferably carried out in the management system of this invention. It is a figure which shows typically an example of the payment request screen displayed on the member terminal of the payment authority person which is preferably carried out in this invention. It is a figure which shows typically an example of the pending screen displayed on the member terminal which does not have the settlement authority, which is preferably carried out in this invention. It is a figure which shows an example of the member information database which is preferably used in this invention. It is a figure which shows an example of the settlement authority information database which is preferably used in this invention. It is a figure which shows another example of the settlement authority information database which is preferably used in this invention. It is a figure which shows an example of the settlement basic information database which is preferably used in this invention. It is a figure explaining an example of the structure of the block chain which is preferably used in this invention. It is a figure explaining an example of the transaction structure of the blockchain which is preferably used in this invention. It is a figure explaining an example of the data structure of the transaction of the blockchain which is preferably used in this invention. It is a figure explaining an example of the script of a blockchain transaction preferably used in this invention.

The management device of the present invention is a management device for the first member belonging to the affiliated organization to make a payment, and includes the first member number of the first member and the organization identification information to which the affiliated organization belongs. A second configuration of a second member that belongs to the affiliated organization and is different from the first member in association with the first storage means that stores the information and the first member number. It has a second storage means for storing the member number as the person who has the authority to approve the settlement, and further, after receiving the application for the settlement from the first member, the second member. It is characterized by having a means for putting the application in a pending state from the time until the approval of the settlement is received.

In the present invention, it is preferable that the payment is a card payment. The card for card payment is not particularly limited as long as it is a payment card, and may be a known payment card. As the payment card, for example, any payment card such as a credit card, a debit card, a prepaid card, and a point card can be preferably used, but in the present invention, the credit card is more preferable.

The assets used for settlement are not particularly limited as long as the object of the present invention is not impaired, and examples thereof include analog currency, digital currency, points, etc., but in the present invention, legal tender, digital currency, or points are preferable.

The “legal tender” usually refers to a currency defined by law or the like, but in the present invention, it may be a legal tender approved or issued by the government. Examples of the legal tender include currencies specified in ISO 4217.

The "digital currency" is not particularly limited as long as it is a unit of value that can be used as a currency for payment for transactions including financial transactions. The digital currency is usually a currency that is electronically generated and stored in it, but it may be a legal tender or the like approved or issued by the government, or it may be a cryptocurrency. The digital currency includes electronic money and virtual currency.

The "point" is not limited and may be a known point as long as the object of the present invention is not impaired. Examples of the points include known benefits and the like given in the goods or services, and examples of the benefits include benefits used in exchange for prizes and the like and benefits used for payment to the goods or services. Be done. The points may or may not have an expiration date.

The number of "affiliated organizations" is not particularly limited as long as it is an organization to which the members belong. The organization to which the employee belongs preferably includes a private organization, a public institution, or the like. Examples of the private organization include companies, financial institutions, private organizations, circles, clubs, relatives, clans, families and the like. Examples of the public institution include local public organizations, public financial institutions, national organizations, national organizations, non-profit organizations, international organizations and the like. In the present invention, it is preferable that the affiliated organization is a family because it can make the settlement of children and the like who do not have the settlement authority more appropriate and easy. Further, in the present invention, it is preferable that the affiliated organization is a company because it further contributes to the utilization of the management device. The "affiliated organization identification information" may be composed of alphanumericals and / or symbols for identifying the affiliated organization, and may be a known affiliated organization ID, affiliated organization number, affiliated organization code, or the like. ..

The "member" may be any person who constitutes the organization to which the member belongs, and the status, qualification, etc. are not particularly limited. In the present invention, when the organization to which the employee belongs is a company, an employee or the like may be mentioned as a preferable example of the member, but a stakeholder such as a shareholder may be included, and the employment relationship or the like is not particularly limited. The "member number" is not particularly limited as long as it is a number that identifies the member, and may include not only numbers but also alphabetic characters and / or symbols, but in the present invention, the numbers are used. It is preferable that it is a member number, and it is more preferable that it constitutes a part or all of the card number of the card indicating that the member is a member of the organization to which the member belongs. According to such a preferable range, it becomes easier to utilize not only in payment processing but also in various paperwork and the like.

In the present invention, when the affiliated organization is a family, it is preferable that the first member is a child and the second member is a parent. When the affiliated organization is a company, it is preferable that the first member is an employee and the second member is a management supervisor. According to such a preferable range, it is possible to make the settlement more efficiently and appropriately in a form more in line with the organizational system.

In the present invention, it is preferable that the payment method for the settlement is one or more types selected from the prepaid method, the postpaid method and the immediate payment method.

Hereinafter, the present invention will be described in more detail with reference to the drawings, but the present invention is not limited to these specific aspects.

FIG. 1 shows an example of a preferred embodiment of the management system of the present invention. The management system of FIG. 1 belongs to the management device 12 for the first member belonging to the belonging organization, the first member terminal 11a of the first member, and the belonging organization, and said. The second member terminal 11b of the second member, which is different from the first member, is connected to the second member terminal 11b so as to be communicable via the communication line.

As the member terminals 11a and 11b, for example, a terminal including a storage unit, a processing unit, an input unit, an output unit, a display unit, and a communication unit can be mentioned as a suitable example. That is, the member terminals 11a and 11b are not particularly limited as long as they have a basic configuration of a server or a computer, and may be known terminals. In the present invention, the member terminals 11a and 11b may function as SPV clients that partially receive blockchain data from the management device 12 and the like and perform processing.

A suitable example of the management device 12 is a device including a storage unit, a processing unit, an input unit, an output unit, a display unit, and a communication unit. Although it may be configured, it is preferable that the storage unit of the management device 12 stores a database of member information, a database of settlement authority information, and a database of settlement basic information. The database of the member information is not particularly limited, but for example, as shown in FIG. 7, a database in which the member number, affiliation identification information, relationship / title, name, password, date of birth, address, etc. are stored is stored. A suitable example is given. The database of the settlement authority information is not particularly limited, but a database in which a member number, a settlement authority 1, a settlement authority 2, a settlement condition, and the like are stored is a preferable example, as shown in FIG. 8, for example. It is mentioned as. Further, as a database of the settlement authority information, for example, as shown in FIG. 9, a database in which an information sharer or the like is stored is also a suitable example. By setting detailed payment authority using the member number in this way, it is possible to realize more efficient management and operation of the entire organization to which the member belongs. The database of the basic settlement information is not particularly limited, but as shown in FIG. 10, a database in which a member number, a legal tender balance, a credit line, a point balance, and the like are stored is a preferable example.

The "communication line" is not particularly limited and may be a wireless line or a wired line as long as communication is possible, but it is preferable to include a telephone network or an internet network because bidirectional communication can be performed. .. Further, the communication line may be a dedicated line provided with communication restrictions.
In the present invention, the blockchain may be used for the transaction related to the settlement.

The management system of FIG. 2 is further connected to a payment terminal 15 of a payee such as a store to which a member receives a product or service so as to be able to communicate via the communication line. Is different. The basic configuration of the payment terminal 15 may be the same as the basic configuration of the member terminal.

FIG. 3 is a diagram schematically showing an information processing flow preferably carried out in the management system of FIG. 2.

For example, in order to register the use of a payment card having a family member as an organization, the member A manages the usage registration, the information of the member A, and the card issuance request of the member A from the member terminal of the member A. (S101).

The management device 12 assigns numbers such as affiliation organization identification information and member numbers as necessary, and stores the member information together with these (S102).

The management device 12 stores the member information in association with the affiliated organization identification information, and then issues a member card in association with the member number based on the member information (S103).

After issuing the member card, the management device 12 transmits the member card issuance completion information to the member terminal 11a (S104).

The member to whom the member card is issued uses the member terminal 11a to issue a member card that can be used for payment by, for example, a member B who is a child without payment authority, so that the member B information and configuration The issue request of the member B card is transmitted to the management device 12 (S105).

Upon receiving the member B card issuance request, the management device 12 stores the member information and sets the settlement authority (S106). After that, the management device 12 issues a member B card (S107).

When the member B card issuance process is completed, the management device 12 transmits the member B card issuance completion information to the member terminal 11a of the member A (S108). When the member B card arrives at hand, the member B performs a predetermined procedure and transmits a usage registration request for settlement from the member terminal 11b of the member B to the management device 12 (S109). After the usage registration of the member B, the management device 12 transmits the usage registration result to the member terminal 11b (S110).

The user terminal 11b transmits a product purchase request from the member terminal 11b to the payment destination payment terminal 15 together with the card information for the purpose of receiving the product or service of the store or the like (S111).

The payment terminal 15 transmits a payment request to the management device 12 (S112), and the management device 12 checks the payment authority (S113).

The management device 12 determines that the member B does not have the settlement authority, and transmits a settlement request together with the settlement request information to the member terminal 11a of the member A who is the settlement authority (S114). For the member terminal 11a that has received the approval request, for example, as shown in FIG. 5, the approval request screen 21a is displayed together with the settlement request information on the display screen of the member terminal 11a. FIG. 5 schematically shows an example of a payment request screen displayed on a member terminal of a payment authority. The approval request screen 21a is displayed on the member terminal 11a of the member A of FIG. On the approval request screen 21a, along with the settlement request information, an acceptance button 22a for accepting and approving the settlement request, a cancel button for denying the settlement request, and the like are displayed. Further, at this time, on the member terminal 11b of the member B, for example, as shown in FIG. 6, a standby screen indicating that the payment is in the pending state is displayed on the display screen of the member terminal 11b. .. FIG. 6 schematically shows an example of a pending screen displayed on a member terminal without payment authority. A standby screen 21b is displayed on the member terminal 11b of the member B of FIG. 6, informing the member B that the payment is pending. When the member A approves the payment, for example, the member A presses the consent button 22a as shown in FIG. 5, confirms the payment, and then sends the payment approval to the management device 12 using the member terminal 11a (S115).

When the management device 12 receives the payment approval from the member terminal 11a, the management device 12 performs the payment processing (S116) and transmits the payment processing result to the payment terminal 15 (S117).

The payment terminal 15 that has received the payment processing result transmits the payment completion to the member terminal 11b of the member B (S118).

In the above example according to the embodiment of the present invention, a family card is assumed, but in the present invention, the payment card is preferably an employee ID card in a company, and the above embodiment is the employee ID card. It is not only possible to make payments more systematically and more efficiently in multiple affiliated organizations (for example, company and family), but also to manage and operate payment information more appropriately. It is more preferable because it can be made more useful. When applied as a family card of the employee ID card, the affiliated organization is a company, the first member number is an employee number, and the second member number is the first configuration. A preferable example is a number having family identification information such as a branch number indicating that the family is added to the employee number, which is a member number, at the end.

The flow of settlement settlement will be described in more detail, but the present invention is not limited to these specific examples. FIG. 5 schematically shows a settlement settlement flowchart in the management device 12.

When the management device receives the payment request together with the member number from the member terminal of the applicant applying for payment (S201), the management device checks the content of the payment request (S202). If there is a problem as a result of the check, a payment error display is transmitted to the member terminal (S208). If there is no problem as a result of the check, it is confirmed from the member number whether or not the applicant has the settlement authority (S203). If the applicant has the settlement authority, the settlement process is carried out (S207). If the applicant does not have the settlement authority, the settlement pending display is transmitted to the member terminal of the applicant (S204), and the contact information of the settlement authority is transmitted from the member number of the settlement authority. (Address) is extracted, and a settlement request for settlement is transmitted to the member terminal of the settlement authority (S205).

When the management device receives the approval or denial of approval from the member terminal of the settlement authority (S206), the management device executes the settlement process when the settlement is approved (S207), and when the settlement is denied, the settlement error. The display is transmitted to the member terminal of the applicant (S208).

Further, in the present invention, the blockchain can be preferably used. Hereinafter, a blockchain that is preferably used will be described. In the present invention, the block functions as a transaction database containing transaction information regarding settlement. Specifically, each block contains a list of transactions that are digest data and information about the transaction. The digest data includes a new hash value calculated from the previous block. That is, as shown in FIG. 11, by including the hash value calculated from the information contained in the previous block, each block is stored as a transaction database (blockchain) in a state of being connected like a chain. Will be done. The transaction history database is not only managed by the server, but also verified and added to each terminal and the like.

A transaction is data that records the exchange of points, digital currencies, and the like. Transactions include input and output information. The input information is the output information of the transaction when the user who is the exchange source receives the exchange of the point to be traded, the digital currency, etc. (identification information for specifying the transaction (transaction hash value, sequence number, etc.)) And information for proving that the user owns the points, digital currency, etc. (scripts that satisfy the conditions for using the output, etc.) are included. The output information includes information such as the type and number of exchanged points and digital currencies, and scripts for using the exchanged currencies and points at the address specifying the exchange destination.

FIG. 12 shows an example of a blockchain transaction configuration preferably used in the present invention. Points, digital currencies, etc. are expressed as a transaction history, that is, a group of transactions through which points, digital currencies, etc. have passed. Each transaction (transactions such as points and digital currencies) is digitally signed with the original owner's encryption key, including the hash value of the previous transaction and the new owner's public key. Information about all transactions is shared throughout the P2P network. By expressing the transaction in this way, there is an advantage that the currency etc. cannot be transferred by anyone other than the person without the permission of the original owner, and the third party can objectively confirm the transfer of the currency. Has.

FIG. 13 shows an example of a blockchain transaction data structure preferably used in the present invention. The transaction data structure has "output (points to be withdrawn, digital currency, etc.)" and "input (points used for deposit, digital currency, etc.)". Remittance requires points to be passed to the other party, digital currency, etc. and a destination (address), and the output is a representation of these. In order to use points, digital currency, etc. addressed to you, or to send money to someone, you must refer to the output of past transactions, which corresponds to the input in this transaction. Multiple outputs and inputs can be specified in one transaction. In order to send an arbitrary amount of money, it is necessary to collect the output of transactions addressed to you in the past and specify it as the input of the transaction to be performed.

FIG. 14 shows an example of a blockchain transaction script preferably used in the present invention. In the points and digital currencies of FIG. 14, a transaction including an input source address and an output source address is described by a script. The transaction shown in the figure means that points, digital currency, etc. with a predetermined face value are sent to other users using points, digital currency, etc. that were sent to you by the user in the past. ing. A transaction is given a transaction identifier unique to the transaction, and the hash value of the transaction is usually used. Where multiple outputs can be specified in "Output Script", "Output 2" is a normal description for verifying the digital signature of the input, while "Output 1" is a description for adding a byte array. be. The script provides a code called "OP_RETURN", which, like a typical programming return, stops the script when it comes to it and does not allow references to its output. Then, if a byte array is added using "OP_PUSHDATA" following "OP_RETURN", "output 1" can be used as a byte array description field without adversely affecting the digital signature. Since there is an upper limit to the number of bytes in the byte array that can be added using "OP_PUSHDATA", it is a condition that the hash value is used for files and the upper limit is not exceeded for text messages.

By configuring as described above, it is a management device for the first member belonging to the affiliated organization to settle, and the first member number of the first member and the organization identification to which the affiliated organization belongs. A second member of a second member who belongs to the organization to which the information belongs and is different from the first member in association with the first storage means for storing information and the first member number. The management device having the second storage means that stores the member number of the above as the person who has the authority to approve the settlement, after receiving the application for the settlement from the first member, the second configuration. Until the approval of the settlement is received from the member, the application can function as a means for putting the application in a pending state. Further, the management device for the first member belonging to the affiliated organization to make a payment, the first member terminal of the first member, and the first member belonging to the affiliated organization are In a management system in which a second member terminal of a different second member is communicably connected via a communication line, the first member number of the first member and the organization to which the first member belongs. A second member who belongs to the affiliated organization and is different from the first member in association with the first storage means for storing the affiliated organization identification information and the first member number. After receiving the payment application from the first member terminal of the management device having the second storage means that stores the second member number of the above as the person who has the authority to approve the payment. To the second member terminal, the payment approval request is transmitted, and then the application is made to function as a pending state until the payment approval information is received from the second member terminal. be able to.

The management device, management method and management system of the present invention are useful for various payments.

10 Management server of the organization to which the organization belongs 11 Member terminal 11a Member terminal of member A 11b Member terminal of member B 12 Management device 15 Payment terminal of the payee of the store, etc. 18 Communication line 21a Approval request screen 21b Standby screen 22a Consent button

Claims (17)

A first member that is a management device for settlement by a first member belonging to the affiliated organization, and stores the first member number of the first member and the organization identification information to which the affiliated organization belongs. The second member number of the second member who belongs to the organization to which the member belongs and is different from the first member in association with the storage means of the first member and the first member number of the settlement. It has a second storage means that is stored as a decision-making authority, and further receives the settlement application from the first member and then accepts the settlement decision from the second member. Up to, a management device characterized by having means for putting the application in a pending state. The management device according to claim 1, wherein the payment is a card payment. The second storage means belongs to the organization to which the second member belongs, and the third member number of the third member, which is different from the first member or the second member, is set to the councilor of the settlement or the third member number. The management device according to claim 1 or 2, which is stored as an information sharer. The management device according to any one of claims 1 to 3, wherein the affiliated organization is a family member, the first member is a child, and the second member is a parent. The management device according to any one of claims 1 to 3, wherein the affiliated organization is a company, the first member is an employee, and the second member is a management supervisor. It is a management method for the first member belonging to the affiliated organization to settle, and is a first storage for storing the first member number of the first member and the organization identification information to which the affiliated organization belongs. Step, the second member number of the second member who belongs to the affiliated organization and is different from the first member in association with the first member number, is the person who has the authority to approve the settlement. A second storage step to store the application as a pending step, and a pending step in which the application is placed in a pending state until the payment is approved by the second member after the payment application is received from the first member. A management method characterized by including. The management method according to claim 6, wherein the payment is a card payment. The third member number of the third member who belongs to the organization to which the second storage step belongs and is different from the first member or the second member is used as the councilor of the settlement. The management method according to claim 6 or 7 to be stored. The management method according to any one of claims 6 to 8, wherein the affiliated organization is a family member, the first member is a child, and the second member is a parent. The management method according to any one of claims 6 to 8, wherein the affiliated organization is a company, the first member is an employee, and the second member is a management supervisor. A management device for settlement by a first member belonging to the affiliated organization, a first member terminal of the first member, and a first member belonging to the affiliated organization and different from the first member. A management system in which the second member terminal of the second member is communicably connected via a communication line, and the management device is the first member number of the first member. And the first storage means for storing the affiliation organization identification information of the affiliation organization, and the first member number, which belongs to the affiliation organization and is different from the first member. It has a second storage means for storing the second member number of the second member as the person who has the authority to approve the settlement, and further, the application for the settlement is made from the first member terminal. Is received, the payment approval request is transmitted to the second member terminal, and then the application is placed in a pending state until the payment approval information is received from the second member terminal. A management system characterized by having means. The management system according to claim 11, wherein the payment is a card payment. The third member number of the third member who belongs to the organization to which the second storage means belongs and is different from the first member or the second member is used as the councilor of the settlement. The management system according to claim 11 or 12, which is stored. The management system according to any one of claims 11 to 13, wherein the affiliated organization is a family member, the first member is a child, and the second member is a parent. The management system according to any one of claims 11 to 13, wherein the affiliated organization is a company, the first member is an employee, and the second member is a management supervisor. A first member that is a management device for settlement by a first member belonging to the affiliated organization, and stores the first member number of the first member and the organization identification information to which the affiliated organization belongs. The second member number of the second member who belongs to the organization to which the member belongs and is different from the first member in association with the storage means of the first member and the first member number of the settlement. After receiving the payment application from the first member of the management device having the second storage means stored as the approval authority, until the payment is approved by the second member. , A program that functions as a means to put the application in a pending state. A management device for settlement by a first member belonging to the affiliated organization, a first member terminal of the first member, and a first member belonging to the affiliated organization and different from the first member. In a management system in which the second member terminal of the second member is communicably connected via a communication line, the first member number of the first member and the organization to which the affiliated organization belongs. A second member who belongs to the organization to which the identification information belongs and is different from the first member in association with the first storage means for storing the identification information and the first member number. After receiving the payment application from the first member terminal, the management device having the second storage means that stores the member number of 2 as the person who has the authority to approve the payment, the said A program that transmits the settlement approval request to the second member terminal and then causes the application to function as a pending state until the settlement approval information is received from the second member terminal.

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