JP2023034185A - Processing device, processing method, and processing program - Google Patents

Abstract

To support a user who is going to make settlement.SOLUTION: A processing device according to the present application includes: an accepting unit which accepts settlement information regarding settlement performed by prescribed settlement means while using an account associated with a user; a determination unit which determines whether the settlement information accepted by the accepting unit satisfies the prescribed condition; and a processing unit which executes a settlement process bases on the settlement information by using a second account being an account which is different from a first account owned by the user and owned by another user associated with the user when the determination unit has determined that the prescribed condition is satisfied.SELECTED DRAWING: Figure 1

Description

The present invention relates to a processing device, a processing method, and a processing program.

2. Description of the Related Art Conventionally, techniques for providing various services for assisting users in electronic payment are known. One example of such a technique is identifying when a potential recipient encounters a payment event to which the sender may reasonably wish to send a payment, and, based on the detection of the payment event, directing a particular recipient to a payment event. Top-of-the-list techniques for electronic funds transfers have been proposed.

Japanese Patent Publication No. 2017-534972

However, the conventional technology described above cannot always support a user who is trying to make a payment.

For example, in the conventional technology described above, the recipient candidate merely identifies birthdays, weddings, anniversaries, and graduations from school, and electronic money transfers are not sent to the recipient candidate who is about to make a payment. Because they cannot do so, they may not be able to assist users who are trying to make payments.

The present application has been made in view of the above, and an object thereof is to provide a processing device, a processing method, and a processing program capable of supporting a user who is about to make a payment.

The processing device according to the present application includes a reception unit that receives payment information related to payment by a predetermined payment method using an account associated with a user, and whether the payment information received by the reception unit satisfies a predetermined condition. and a determination unit that determines whether or not, if the determination unit determines that a predetermined condition is satisfied, an account different from the first account held by the user and associated with the user and a processing unit that executes payment processing based on the payment information using a second account that is an account owned by another user.

According to one aspect of the embodiment, there is an effect that it is possible to support a user who is about to make a payment.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 3 is a diagram showing an example of an account database according to the embodiment. FIG. 4 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 5 is a flowchart illustrating an example of an information processing procedure according to the embodiment. FIG. 6 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments for implementing the processing apparatus, processing method, and processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the processing apparatus, processing method, and processing program according to the present application are not limited by this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
Information processing realized by the processing apparatus and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. In FIG. 1, the information processing and the like according to the embodiment are assumed to be realized by the settlement server 10, which is an example of the processing device according to the embodiment.

As shown in FIG. 1, an information processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, and a shop terminal 200. The payment server 10, the user terminal 100, and the store terminal 200 are connected by wire or wirelessly via a network N (see FIG. 2, for example) so that they can communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The information processing system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, and a plurality of store terminals 200. FIG.

A settlement server 10 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the user terminal 100 . For example, the settlement server 10 manages the account of the provider (operator) of the transaction object and the account of the user to whom the transaction object is provided, and transfers electronic money between accounts according to the payment request from the user. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

A user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

When the user terminal 100 receives control information for implementing predetermined information processing from the settlement server 10, the user terminal 100 implements the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

A store terminal 200 shown in FIG. 1 is an information processing device used by a store clerk or the like who provides a transaction target to a user. The store terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the store terminal 200 displays information distributed by the settlement server 10 using a web browser or an application.

In the example shown in FIG. 1, it is assumed that the store terminal 200 is a POS terminal installed in the store and manages product information related to products offered at the store. For example, the store terminal 200 manages the price of a product by associating it with information indicated by a barcode attached to the product (identification information (product ID) for identifying the product).

[1-1. Payment using the user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to notification processing executed by the payment server 10 . In the following description, a two-dimensional code (QR code (registered trademark)) placed at the store A, which indicates the store identification information C1 for identifying the store A, is used by the user. An example of settlement using the personal terminal 100 will be described, but the embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Moreover, the store identification information C1 may be not only a QR code, but also a bar code, a predetermined mark, a number, or the like.

For example, when the user uses or purchases a payment target (transaction target) such as various products and services at the store A, the user must install an electronic payment application installed in the user terminal 100 in advance. Start the application (hereinafter sometimes simply referred to as "payment application"). Then, the user photographs the store identification information C1 installed at the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user or store A clerk. Then, the user terminal 100 receives the user identification information for identifying the user and the store identification information C1 (or information indicated by the store identification information C1, that is, information indicating the store A (or the business operator M1 of the store A). (for example, store ID)) and payment information indicating the payment amount are transmitted to the payment server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user indicated by the user identification information to the account of the store A indicated by the store identification information C1. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, settlement using the user terminal 100 may be performed using the store terminal 200 installed in the store A. For example, the user terminal 100 displays user identification information for identifying the user on the screen. In such a case, the store terminal 200 installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or information indicated by the user identification information, that is, the user (for example, a user ID)), the amount of payment, and information identifying the store A are transmitted to the payment server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user indicated by the user identification information to the account of the store A, and The terminal 100 may be notified that the payment has been made by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the user terminal 100 includes not only the process of transferring electronic money from an account charged with electronic money in advance by the user to the account of store A, but also a credit card pre-registered by the user, for example. Payment may be made using In such a case, for example, the payment server 10 transfers the electronic money of the payment amount to the account of the store A, and requests the payment amount from the operating company (card company) of the user's credit card. good too.

Moreover, the settlement using the user terminal 100 is not limited to actual stores, and may be online settlement through API cooperation between the electronic settlement service provided by the settlement server 10 and any service, for example. In such a case, for example, the user terminal 100 stores user identification information that identifies the user, provider identification information that identifies the provider of the service, and the price (settlement amount) of the transaction object in the service. The indicated payment information is transmitted to the payment server 10 . Then, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user indicated by the user identification information to the account of the provider indicated by the provider identification information. The settlement is notified by outputting a screen indicating that the settlement has been completed or by outputting a predetermined voice.

[1-2. Overview of Embodiment]
Here, conventionally, as an example of technology for providing various services for assisting users in electronic payment, a payment event for which a sender may reasonably desire to send a payment is sent to a recipient candidate. Techniques have been proposed to identify whether a recipient will receive a payment and to make a particular recipient top of the list for wire transfers based on the detection of payment events. However, such technology merely identifies the recipient's birthday, marriage, anniversary, or graduation from school, and does not allow electronic money transfer to the recipient who is about to make a payment. Because they cannot do so, they may not be able to assist users who are trying to make payments.

Therefore, the settlement server 10 executes information processing according to the embodiment. Information processing executed by the settlement server 10 will be described below with reference to FIG. In the following description, the user terminals 100 are assumed to be user terminals 100-1 to 100-N (N is an arbitrary natural number) according to the users who use the user terminals 100. FIG. For example, the user terminal 100-1 is the user terminal 100 used by the user (user U1) identified by the user ID "UID#1". Further, hereinafter, the user terminals 100-1 to 100-N will be referred to as the user terminal 100 when they are not distinguished from each other. Also, in the following description, the user terminal 100 may be regarded as the same as the user. That is, hereinafter, the user U1 can also be read as the user terminal 100-1.

Also, in the following description, an example in which the store terminal 200 is used by the business operator M1 is shown. Also, in the following description, the store terminal 200 may be identified with the business operator M1. That is, hereinafter, the business operator M1 can be read as the store terminal 200 as well.

Also, in the following description, it is assumed that user U1 is a child and user U2 is a parent of user U1. Also, in the following description, it is assumed that user U1 has account #1 and user U2 has account #2 as accounts used in the above-described payment method using the payment application.

First, the payment server 10 receives from the user U2 a condition for permitting another user to make a payment using the account #2 in the above-described payment method using the payment application (step S1). Here, in the example of FIG. 1, it is assumed that the settlement server 10 has received condition #1 for permitting user U1 to make settlement using account #2. To give a specific example, the payment server 10 stores information indicating the user ID of user U1, the time zone for payment, the category of payment recipients (stores, etc.) for payment, and the category of products for which payment is made. is accepted as condition #1.

Here, in the example of FIG. 1, it is assumed that user U1 desires to make a payment to store A using a payment application. In this case, the store terminal 200 reads the product ID of the product that the user U1 wishes to purchase and the user identification information (user ID) of the user U1 (step S2). For example, the store terminal 200 reads the product ID indicated by the barcode attached to the product that the user U1 wishes to purchase and the user ID of the user U1 displayed on the user terminal 100-1. etc. to read.

Subsequently, the payment server 10 receives from the store terminal 200 the payment information regarding the payment for the store A by the user U1 (step S3). For example, the payment server 10 stores product information (for example, category) related to the product indicated by the product ID read by the store terminal 200, the total price (settlement amount) linked to the product ID, the user U1's ID, store ID of store A, settlement information indicating the date and time of settlement, etc. are acquired.

Subsequently, the payment server 10 determines whether or not the received payment information satisfies condition #1 (step S4). For example, the payment server 10 identifies condition #1 based on the user ID of user U1 indicated by the payment information, and determines whether or not the payment information satisfies condition #1.

Here, in the example of FIG. 1, it is assumed that the payment server 10 determines that the payment information satisfies condition #1. In this case, the payment server 10 uses the account #2 to execute payment processing based on the payment information (step S5). For example, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account #2 to the store A account.

Subsequently, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100-1 (step S6). For example, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100, and outputs a screen or a predetermined voice indicating that the settlement has been completed, thereby indicating that the settlement has been made using electronic money. User U1 is notified.

Subsequently, the settlement server 10 transmits to the user terminal 100-2 a notification that the settlement process using the account #2 has been executed (step S7). For example, the settlement server 10 causes the user terminal 100-2 to display a push notification to the effect that the settlement process related to the settlement of the user U1 using the account #2 has been executed.

As described above, the payment server 10 according to the embodiment permits payment using the parent's account when the child makes a payment that satisfies the conditions set by the parent. As a result, the payment server 10 according to the embodiment can, for example, go to a store where the parent sells the equipment and purchase the equipment when the child goes to school or purchases the equipment required for the child's lessons. To enable a child to voluntarily purchase fixtures even if the parent does not remit the cost for the purchase to the child. That is, the payment server 10 according to the embodiment can assist the user who is trying to make a payment.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; As shown in FIG. 2, the settlement server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(Regarding communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the store terminal 200, and the like.

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage section 30 has an account database 31 and a user information database 32 .

(Regarding account database 31)
The account database 31 stores various information related to accounts owned by users, stores (businesses), etc. in the electronic payment service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 3 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner who owns (holds) the account, and stores, for example, identification information for identifying the owner. "Account balance" indicates the balance of the account.

That is, FIG. 3 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "user #1" and the account balance is "7,800 yen".

(Regarding the user information database 32)
The user information database 32 stores various types of information regarding users of electronic payment services provided by the payment server 10 . An example of information stored in the user information database 32 will now be described with reference to FIG. FIG. 4 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 4, the user information database 32 has items such as "user ID", "linking information", and "condition information".

"User ID" indicates identification information for identifying a user. "Association information" indicates information relating to association between the user indicated by the user ID and another user (for example, the user indicated by "condition information"), such as the user ID of another user. information is stored. "Condition information" indicates the conditions for permitting payment using another user's account linked with the user. Information indicating the time period of payment, the category of the payment destination, information indicating the category of the transaction subject for payment, and the like are stored.

That is, FIG. 6 shows an example in which the linking information of the user identified by the user ID "UID#1" is "linking information #1" and the condition information is "condition information #1".

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment includes a reception unit 41, a determination unit 42, a provision unit 43, a payment processing unit 44, and a notification unit 45, as shown in FIG. Realize or perform the function or action of a process.

(Regarding the reception unit 41)
The accepting unit 41 accepts payment information regarding payment by a predetermined payment method using an account associated with a user. For example, in the example of FIG. 1, the receiving unit 41 receives from the shop terminal 200 payment information regarding payment for the shop A of the user U1 using the account #1 owned by the user U1. Note that the accepting unit 41 may accept payment information related to payment using any account (for example, an account held by another user different from user U1) as long as it is an account associated with user U1. good.

The reception unit 41 may also receive payment information from the user terminal 100 . For example, the reception unit 41 receives payment information indicating a store ID read by the user terminal 100, a payment amount, a user ID, and the like.

In addition, the receiving unit 41 may receive payment information related to payment using the first account. For example, in the example of FIG. 1, the reception unit 41 receives from the store terminal 200 payment information regarding payment for account #1 held by user U1.

In addition, the reception unit 41 may receive payment information including the date and time of payment. For example, in the example of FIG. 1, the accepting unit 41 accepts payment information indicating the date and time of payment.

Further, the receiving unit 41 may receive payment information including information indicating a payee for payment. For example, in the example of FIG. 1, the reception unit 41 receives payment information indicating the store ID of the store A. For example, in the example of FIG.

Further, the receiving unit 41 may receive payment information including information indicating a transaction target for payment. For example, in the example of FIG. 1 , the reception unit 41 receives payment information indicating product information related to the product indicated by the product ID read by the shop terminal 200 .

(Regarding the determination unit 42)
The determination unit 42 determines whether or not the payment information received by the reception unit 41 satisfies a predetermined condition. For example, in the example of FIG. 1, the determination unit 42 refers to the user information database 32 and determines whether or not the payment information satisfies condition #1.

The determination unit 42 may also determine whether or not the payment information satisfies a predetermined condition set by another user. For example, in the example of FIG. 1, the determination unit 42 determines whether or not the payment information satisfies condition #1 received from user U2.

Further, the determination unit 42 may determine whether the date and time satisfy a predetermined condition. For example, in the example of FIG. 1, the determination unit 42 determines whether or not the date and time of payment for the store A by the user U1 is included in the time zone indicated by the condition #1. , it is determined that the payment information satisfies the condition #1. To give a specific example, the determination unit 42 determines whether or not the date and time when the payment for the store A is performed is included in the usual time slot for the user U1 on his way home from his lessons, and determines that it is included. In this case, it is determined that the payment information satisfies condition #1.

Further, the determination unit 42 may determine whether or not the payee satisfies a predetermined condition. For example, in the example of FIG. 1, the determination unit 42 determines whether or not store A is included in the payee category indicated by condition #1. It is determined that the conditions are satisfied. To give a specific example, the determining unit 42 determines that the store A is a store located within a predetermined range from the home of the user U1 and belongs to a predetermined category (for example, the category “stationery store” or “stationery store”). store belonging to "convenience store"), a store located on the school route of the user U1, and a store located on the route used by the user U1 to go to lessons. If the store is a suitable store, it is determined that the payment information satisfies condition #1.

Further, the determination unit 42 may determine whether or not the transaction target satisfies a predetermined condition. For example, in the example of FIG. 1, the determination unit 42 determines whether or not the product for which payment is made is included in the product category indicated by condition #1. It is determined that #1 is satisfied. To give a specific example, the determination unit 42 determines whether or not the product for which payment is made is included in the category of equipment used in user U1's lessons (for example, goggles used at a swimming school). If it is determined that the payment information is included, it is determined that the payment information satisfies the condition #1.

It may be determined whether or not the payment information satisfies a predetermined condition based on the date and time indicated by the payment information, the payee, and the transaction object. For example, the determination unit 42 determines that the date and time of payment for the store is included in the usual time zone on the way home from the user's lessons, and the store to which the payment is made belongs to a predetermined category (for example, a store such as a swimming school). store that sells equipment) and the product for which payment is made is equipment used in lessons, it is determined that the payment information satisfies a predetermined condition.

Here, even if the payment information does not completely match the predetermined conditions, payment is made using an account (second account described later) different from the first account held by the user who makes the payment based on the payment information. There may be cases where you want to execute processing. Therefore, the determination unit 42 may determine whether or not the payment information satisfies the predetermined condition based on the similarity between the payment information and the predetermined condition. For example, if the score indicating the similarity between the payment information previously determined to satisfy a predetermined condition and the payment information newly received by the reception unit 41 is equal to or greater than a predetermined threshold, the determination unit 42 It is determined that the newly accepted payment information satisfies a predetermined condition. To give a specific example, the determination unit 42 is a model that has learned payment information that has been determined to satisfy predetermined conditions in the past, and is determined to satisfy the predetermined conditions when payment information is input. Using a model trained to output a score indicating similarity to received payment information, it is determined whether newly received payment information satisfies predetermined conditions.

Any well-known technique can be applied to model learning, and a learning method appropriately selected according to the information to be acquired may be used. For example, model learning may be performed using various conventional machine learning techniques (for example, supervised machine learning techniques such as SVM (Support Vector Machine)). In addition, deep learning technology may be used for model learning. For example, various deep learning techniques such as RNN (Recurrent Neural Network) and CNN (Convolutional Neural Network) may be used for model learning.

(Regarding the providing unit 43)
Here, even if it is determined that the predetermined condition is satisfied, the approval of the user who holds an account (second account described later) different from the first account held by the user who makes the payment is not obtained. There may be a case where you want to execute payment processing after Therefore, when the determining unit 42 determines that the payment information satisfies the predetermined condition, the providing unit 43 presents the first content to the other users in a selectable manner as to whether or not the payment processing using the second account can be performed. offer. For example, the provision unit 43 provides the user who has the second account with content that allows selection of whether or not payment processing using the second account is possible via push notification.

Note that when the determination unit 42 determines that the payment information satisfies the predetermined condition based on the similarity between the payment information and the predetermined condition, the provision unit 43 determines whether or not the settlement process using the second account is possible. The selectably presented content may be provided to other users.

Furthermore, there are cases where it is desired to execute payment processing after receiving from the user the choice of whether or not to use an account (the second account described later) that is different from the first account held by the user making the payment. Conceivable. Therefore, when the determining unit 42 determines that the payment information satisfies the predetermined condition, the providing unit 43 presents the second content so that the user can select whether or not to perform the payment processing using the second account. may be provided to For example, the provision unit 43 is content displayed on a screen for inputting the price of a transaction target, a screen showing a judgment result that payment information related to payment to be made from now on satisfies a predetermined condition, and the like. A user who has a first account is provided with content that allows the user to select whether or not to perform settlement processing using two accounts.

(Regarding the payment processing unit 44)
The payment processing unit 44 executes payment processing according to the payment information received by the reception unit 41 . For example, the payment processing unit 44 transfers the amount of electronic money indicated by the payment amount from the account of the user indicated by the user ID to the account of the store indicated by the shop ID.

Further, when the determining unit 42 determines that the predetermined condition is satisfied, the settlement processing unit 44 uses an account different from the first account held by the user and linked to the user for another use. Payment processing based on payment information may be executed using a second account, which is an account owned by a person. For example, in the example of FIG. 1, when the payment processing unit 44 determines that the payment information satisfies the condition #1, the payment processing unit 44 uses the account #2 to execute the payment processing based on the payment information.

Further, when the determination unit 42 determines that the payment information does not satisfy the predetermined condition, the payment processing unit 44 may execute payment processing based on the payment information using the first account. For example, using FIG. 1 as an example, when it is determined that the payment information does not satisfy condition #1, the payment processing unit 44 uses account #1 to execute payment processing based on the payment information.

Moreover, the payment processing unit 44 may execute the payment processing based on the payment information using the second account when the payment processing using the second account is permitted via the first content. For example, when a request to permit payment processing is received from a user who has a second account via content provided by the providing unit 43, the payment processing unit 44 uses the second account to obtain payment information. Execute payment processing based on

In addition, the payment processing unit 44 may execute payment processing based on the payment information using the second account when it is selected to perform payment processing using the second account via the second content. When the user who owns the first account accepts, via the content provided by the providing unit 43, that the user who has the first account will perform the payment processing using the second account, the payment processing unit 44 performs the payment using the second account. Execute informed payment processing.

(Regarding the notification unit 45)
The notification unit 45 notifies the other user of the settlement process based on the settlement information using the second account. For example, in the example of FIG. 1, the notification unit 45 causes the user terminal 100-2 to display a push notification to the effect that the settlement process for the settlement of the user U1 using the account #2 has been executed.

[3. Information processing flow]
The information processing procedure of the settlement server 10 according to the embodiment will be described with reference to FIG. FIG. 5 is a flowchart illustrating an example of an information processing procedure according to the embodiment.

As shown in FIG. 5, the payment server 10 receives payment information regarding payment by a predetermined payment method using the first account held by the user (step S101). Subsequently, the payment server 10 determines whether or not the payment information satisfies a predetermined condition (step S102). If it is determined that the predetermined condition is satisfied (step S102; Yes), the settlement server 10 is an account held by another user linked with the user and different from the first account. The second account is used to execute payment processing based on the payment information (step S103). Subsequently, the settlement server 10 gives a predetermined notification to other users associated with the user (step S104), and ends the process.

On the other hand, if it is determined that the predetermined condition is not satisfied (step S102; No), the settlement server 10 executes settlement processing based on the settlement information using the first account (step S105), and terminates the processing.

[4. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

[4-1. About users]
In the above-described embodiment, user U1 is a child and user U2 is a parent of user U1. is not limited to such an example, and may be any relationship.

[4-2. Regarding the determination unit 42]
In the above-described embodiment, the determination unit 42 determines whether or not the payment information satisfies the conditions related to the payment time period, the payment recipient category, and the product category for payment. However, the function of the determination unit 42 is not limited to such an example. For example, the determination unit 42 may determine whether or not the upper limit number of payments within a predetermined period has been exceeded. To give a specific example, when the upper limit of payments using the second account is set to once a day, the determination unit 42 determines that the payment information satisfies a predetermined condition and that payment related to the payment information is performed. is the first payment on the day using the second account, it is determined that the payment based on the payment information using the second account is permitted. Then, the payment processing unit 44 executes payment processing based on the payment information using the second account.

Further, for example, the determination unit 42 may determine whether or not the settlement amount indicated by the settlement information exceeds the upper limit amount. As a specific example, if the payment information satisfies a predetermined condition and the payment amount indicated by the payment information is equal to or less than the upper limit amount, the determination unit 42 uses the second account to determine the payment amount based on the payment information. It is determined that the settlement is permitted. Then, the payment processing unit 44 executes payment processing based on the payment information using the second account.

In addition, the determination unit 42 determines that the total amount of the payment amount indicated by the payment information and the payment amount already made using the second account within the predetermined period is the maximum amount that can be used within the predetermined period. It may be determined whether or not the Then, when it is determined that the total amount is equal to or less than the upper limit amount, the payment processing unit 44 may execute payment processing based on the payment information using the second account.

[4-3. About payment information]
In the above-described embodiment, the payment server 10 receives (acquires) payment information indicating various details of payment from the shop terminal 200, but the embodiment is not limited to this. For example, the payment server 10 may acquire payment information from the user terminal 100 when payment is made by inputting product information or photographing a barcode on the user terminal 100 .

Also, for example, the payment server 10 may acquire payment information via a POS system. As a specific example, the payment server 10 transmits a payment number that uniformly indicates a payment action to the shop terminal 200 when a payment request is made. In such a case, the store terminal 200 associates the information indicating the price, type, etc. of the purchased product with the information uniquely indicating the payment action and stores them in a predetermined external server. Then, the payment server 10 may acquire payment information from an external server using the payment number sent to the shop terminal 200 as a key.

[4-4. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, and various data and parameters shown in the above text and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment has the reception unit 41 , the determination unit 42 , the provision unit 43 , the payment processing unit 44 and the notification unit 45 . The accepting unit 41 accepts payment information regarding payment by a predetermined payment method using an account associated with a user. In addition, the reception unit 41 receives the payment information related to payment using the first account. The determination unit 42 determines whether or not the payment information received by the reception unit 41 satisfies a predetermined condition. When the determination unit 42 determines that the payment information satisfies a predetermined condition, the provision unit 43 provides the other user with the first content presenting the possibility of the payment processing using the second account in a selectable manner. . In addition, the providing unit 43 provides the user with the second content presented so that the user can select whether or not to perform settlement processing using the second account. If the determination unit 42 determines that the predetermined condition is satisfied, the payment processing unit 44 is an account different from the first account held by the user, and another user linked with the user is The second account, which is the account held, is used to execute payment processing based on the payment information. Further, when the determination unit 42 determines that the payment information does not satisfy the predetermined condition, the payment processing unit 44 executes payment processing based on the payment information using the first account. In addition, when the payment processing using the second account is permitted via the first content, the payment processing unit 44 executes the payment processing based on the payment information using the second account. Further, when the payment processing using the second account is selected via the second content, the payment processing unit 44 executes the payment processing based on the payment information using the second account. The notification unit 45 notifies the other user of the settlement process based on the settlement information using the second account.

As a result, the payment server 10 according to the embodiment enables the parents to go to the store where the equipment is sold and purchase the equipment when purchasing the equipment required for the child's school or for the child's lessons. Even if the parent does not remit the cost of the purchase to the child, the child can voluntarily purchase the equipment, so the user who is trying to make the payment can be supported.

In addition, in the payment server 10 according to the embodiment, for example, the reception unit 41 receives payment information including the date and time of payment. Then, the determination unit 42 determines whether the date and time satisfy a predetermined condition. In addition, the receiving unit 41 receives payment information including information indicating a payee for payment. Then, the determination unit 42 determines whether or not the payee satisfies a predetermined condition. In addition, the reception unit 41 receives payment information including information indicating a transaction target for payment. Then, the determination unit 42 determines whether or not the transaction target satisfies a predetermined condition.

As a result, the settlement server 10 according to the embodiment can determine whether or not to use the second account for settlement based on various conditions, thereby improving convenience.

In addition, in the payment server 10 according to the embodiment, for example, the determination unit 42 determines whether payment information satisfies a predetermined condition set by another user.

As a result, the settlement server 10 according to the embodiment can determine whether or not to make a settlement using the second account based on conditions arbitrarily set by the user who owns the second account. can improve sexuality.

Further, in the payment server 10 according to the embodiment, for example, the determination unit 42 determines whether or not the payment information satisfies a predetermined condition based on the similarity between the payment information and the predetermined condition.

As a result, the payment server 10 according to the embodiment can execute payment processing using the second account based on the payment information even if the payment information does not completely match the predetermined conditions. can improve sexuality.

[6. Hardware configuration]
Also, the settlement server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 6 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , ROM 1200 , RAM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1200 or HDD 1400 and controls each section. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs dependent on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1300 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1300 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1300 . Further, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the reception unit can be read as reception means or a reception circuit.

10 payment server 20 communication unit 30 storage unit 31 account database 32 user information database 40 control unit 41 reception unit 42 determination unit 43 provision unit 44 payment processing unit 45 notification unit 100 user terminal 200 store terminal

That is, FIG. 4 shows an example in which the linking information of the user identified by the user ID "UID#1" is "linking information #1" and the condition information is "condition information #1".

Claims (13)

a reception unit that receives payment information related to payment by a predetermined payment method using an account associated with a user;
a determination unit that determines whether the payment information received by the reception unit satisfies a predetermined condition;
If it is determined that the determination unit satisfies the predetermined condition, an account different from the first account held by the user and held by another user linked with the user and a processing unit that executes payment processing based on the payment information using a certain second account. The reception unit
2. The processing device according to claim 1, wherein said payment information relating to payment made using said first account is received. The processing unit is
3. If the determination unit determines that the payment information does not satisfy the predetermined condition, the payment processing based on the payment information is executed using the first account. Processing equipment as described. The determination unit is
The processing device according to any one of claims 1 to 3, wherein it is determined whether or not the payment information satisfies the predetermined condition set by the other user. The reception unit
Receiving the payment information including the date and time of the payment,
The determination unit is
The processing apparatus according to any one of claims 1 to 4, wherein it is determined whether or not the date and time satisfy the predetermined condition. The reception unit
Receiving the payment information including information indicating the payment destination by the payment,
The determination unit is
The processing device according to any one of claims 1 to 5, wherein it is determined whether or not the payee satisfies the predetermined condition. The reception unit
Receiving the payment information including information indicating the transaction target that is the target of the payment;
The determination unit is
The processing device according to any one of claims 1 to 6, wherein it is determined whether or not the transaction target satisfies the predetermined condition. 8. Any of claims 1 to 7, further comprising a notification unit that notifies the other user of a predetermined notification when payment processing based on the payment information is executed using the second account. or 1. The processing device according to claim 1. When the determination unit determines that the payment information satisfies the predetermined condition, the other user is provided with a first content that presents a selection as to whether or not payment processing using the second account is possible. 1 providing unit,
The processing unit is
9. The method according to any one of claims 1 to 8, characterized in that, when payment processing using said second account is permitted via said first content, payment processing based on said payment information is executed using said second account. The processing apparatus according to any one of them. further comprising a second providing unit that provides the user with second content that is presented so that the user can select whether or not to perform settlement processing using the second account;
The processing unit is
2. When the payment processing using the second account is selected through the second content, the payment processing based on the payment information is executed using the second account. 10. The processing apparatus according to any one of 10 to 9. The determination unit is
Based on similarity between the payment information and the predetermined condition, it is determined whether or not the payment information satisfies the predetermined condition. Processing equipment as described. A computer-implemented processing method comprising:
a receiving step of receiving payment information related to payment by a predetermined means of payment using an account associated with the user;
a determining step of determining whether or not the payment information received by the receiving step satisfies a predetermined condition;
If it is determined that the predetermined conditions are satisfied by the determination step, an account different from the first account held by the user and held by another user linked with the user and a processing step of executing payment processing based on the payment information using a certain second account. a reception procedure for receiving payment information related to payment by a predetermined payment method using an account associated with a user;
a determination procedure for determining whether or not the payment information received by the reception procedure satisfies a predetermined condition;
If it is determined that the predetermined conditions are satisfied by the determination procedure, an account different from the first account held by the user and held by another user linked with the user A processing program for causing a computer to execute a processing procedure for executing settlement processing based on the settlement information using a certain second account.

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