JP2023136476A - Information processing device, information processing method and program - Google Patents

Abstract

To provide an information processing device, an information processing method, and a program that can flexibly change settlement once occurred.SOLUTION: An information processing device that distributes initial settlement once made to different settlement receives a distribution destination from registered distribution destination candidates, and generates sales information corresponding to the received distribution destination and cancellation information for canceling the initial settlement. Then, the generated sales information is transmitted to a distribution destination processing terminal that processes settlement for the received distribution destination, and transmits the generated cancellation information to an initial settlement processing terminal that processes the initial settlement. Accordingly, the settlement once occurred is flexibly changed.SELECTED DRAWING: Figure 6

Description

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

Conventionally, various payments have been made using credit cards. For example, Patent Document 1 discloses that the credit limit can be increased by immediately settling the usage amount of a credit card using a payment method such as electronic payment, and adding the total amount related to the payment to the available usage amount of the credit card. A system is disclosed that allows the use of a credit card exceeding a predetermined credit limit within a certain period of time without increasing the amount. Further, Patent Document 2 discloses a system that allows immediate electronic money payment to be changed to another payment method after the fact.

Patent No. 5400219 Patent No. 6228618

However, with the technology described in Patent Document 1 and Patent Document 2, once an issue occurs, for example, when you want to make a payment using a different credit card for each amount or type of purchased item, or when you want to divide payments between a husband and wife. There was room for improvement in terms of flexibly changing payment methods.

The present invention has been made in view of the above-mentioned circumstances, and an object of the present invention is to provide an information processing device, an information processing method, and a program that can flexibly change a payment once it has occurred.

In order to achieve the above object, an information processing device according to a first aspect of the present invention includes:
An information processing device that allocates an initial payment once made to a different payment,
an allocation destination reception means for accepting an allocation destination from registered candidates for allocation destinations;
Sales information generation means for generating sales information corresponding to the distribution destination received by the distribution destination reception means;
Cancellation information generation means for generating cancellation information for canceling the initial payment;
Sales information transmitting means for transmitting the sales information generated by the sales information generating means to an allocation destination processing terminal that processes the payment for the allocation destination accepted by the allocation destination reception means;
Cancellation information transmitting means for transmitting the cancellation information generated by the cancellation information generating means to an initial payment processing terminal that processes the initial payment;
Equipped with

The distribution destination receiving means further accepts the distribution amount corresponding to the distribution destination,
The sales information generating means generates sales information corresponding to the distribution destination received by the distribution destination receiving means based on the distribution amount.
You can do it like this.

The distribution destination receiving means is capable of accepting a plurality of distribution destinations including the same payment as the initial payment, and the distribution amount corresponding to each of the plurality of distribution destinations.
You can do it like this.

The registered distribution destination includes a distribution destination that is a payment in a second name different from the first name that is the payment name in the initial payment, and that has been approved in advance by the person in the second name.
You can do it like this.

The distribution destination receiving means is capable of accepting the payment in the second name as the distribution destination when the distribution amount corresponding to the distribution destination is less than a predetermined upper limit amount.
You can do it like this.

In order to achieve the above object, an information processing method according to a second aspect of the present invention includes:
An information processing method using an information processing device that allocates an initial payment once made to a different payment,
a distribution destination reception step for accepting distribution destinations from registered distribution destination candidates;
a sales information generation step of generating sales information corresponding to the distribution destination received in the distribution destination reception step;
a cancellation information generation step of generating cancellation information for canceling the initial payment;
a sales information transmitting step of transmitting the sales information generated in the sales information generation step to an allocation destination processing terminal that processes the payment for the allocation destination accepted in the allocation destination reception step;
a cancellation information transmission step of transmitting the cancellation information generated in the cancellation information generation step to an initial payment processing terminal that processes the initial payment;
Equipped with.

In order to achieve the above object, a program according to a third aspect of the present invention,
A program that allocates the initial payment once made to different payments,
computer,
an allocation destination reception means for accepting an allocation destination from registered candidates for allocation destinations;
Sales information generation means for generating sales information corresponding to the distribution destination received by the distribution destination reception means;
Cancellation information generation means for generating cancellation information for canceling the initial payment;
Sales information transmitting means for transmitting the sales information generated by the sales information generating means to an allocation destination processing terminal that processes the payment for the allocation destination accepted by the allocation destination reception means;
Cancellation information transmitting means for transmitting the cancellation information generated by the cancellation information generating means to an initial payment processing terminal that processes the initial payment;
function as

According to the present invention, it is possible to flexibly change a payment once it has occurred.

FIG. 1 is a block diagram illustrating an example of an information processing system. FIG. 1 is a block diagram illustrating an example of an information processing device. It is an explanatory diagram showing an example of registered card information. FIG. 2 is a block diagram illustrating an example of an issuer server and a sub-issuer server. It is a flowchart which shows an example of card registration processing. 3 is a flowchart illustrating an example of distribution instruction processing. It is an explanatory diagram when a payment of 10,000 yen with the main card is allotted to the sub 1 card, (A) is an explanatory diagram showing the payment of 10,000 yen with the main card, and (B) is an explanatory diagram showing the payment of 10,000 yen with the main card. It is an explanatory diagram when allocating the total amount to the card. It is an explanatory diagram when a payment of 10,000 yen with the main card is distributed to the main and sub 1 cards, (A) is an explanatory diagram showing the payment of 10,000 yen with the main card, and (B) is an explanatory diagram showing the payment of 10,000 yen with the main card. This is an explanatory diagram when 8,000 yen is distributed to the card of 2,000 yen and 2,000 yen is distributed to the sub-1 card. It is an explanatory diagram when a payment of 10,000 yen with the main card is distributed to sub 1 and sub 2 cards, (A) is an explanatory diagram showing the payment of 10,000 yen with the main card, and (B) is It is an explanatory diagram when 6000 yen is allocated to the sub-1 card and 4000 yen is allocated to the sub-2 card.

(Embodiment)
An information processing device, an information processing method, and a program according to embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same reference numerals are given to the same or corresponding parts in the figures. In the following, the information processing apparatus according to the present invention will be explained using an example in which the information processing apparatus according to the present invention is applied to the information processing system 1 shown in FIG.

In the information processing system 1, as shown in FIG. 1, a store terminal 20, an acquirer server 7, an information processing device 100, an issuer server 300a, and a sub-issuer server 300b are communicably connected via a network 210. . In the illustrated example, each of the store terminal 20, acquirer server 7, information processing device 100, issuer server 300a, and sub-issuer server 300b is singular, but there are a plurality of them.

The store terminal 20 is an information terminal connected to a network 210, as shown in FIG. The store terminal 20 is, for example, an information terminal (so-called computer) such as a mobile phone, smartphone, tablet, or PC (Personal Computer) in a store (including an online shop), and is connected to the information processing device 100 or an acquirer server via the network 210. 7 and various data can be sent and received. The store terminal 20 has a function of generating payment information such as sales and returns made using credit cards (including those built into the information processing device 100) and transmitting the information to the acquirer server 7. There is. Note that the network 210 is a payment network through which payment messages are distributed, and is a closed network independently constructed by a communication carrier.

Specifically, the store terminal 20 collects authorization information for credit inquiries, including information such as transaction date, card ID, card expiration date, member store identifier, transaction amount, etc., and when the authorization information is approved. In this case, sales information including information for actually making a payment, such as transaction date, card ID, card expiration date, member store identifier, transaction amount, etc., is generated and sent to the acquirer server 7. do.

As shown in FIG. 1, the acquirer server 7 is an information terminal connected to a network 210 such as the Internet. The acquirer server 7 is an information terminal such as a mobile phone, smartphone, tablet, or PC of a business operator that transfers payments to stores for credit card payment transactions, for example. It is possible to send and receive various data to and from the sub-issuer server 300a and the sub-issuer server 300b.

The acquirer server 7 has a function of transmitting authorization information and sales information received from the store terminal 20 to the issuer server 300a. Further, the acquirer server 7 transmits the authorization approval/disapproval information and payment completion information received from the issuer server 300a to the store terminal 20. Further, the acquirer server 7 performs advance payment to the store.

The information processing device 100 is an information terminal such as a mobile phone, a smartphone, a tablet, or a PC, and is capable of transmitting and receiving various data to and from the store terminal 20, the issuer server 300a, and the sub-issuer server 300b via the network 210. The information processing device 100 provides a service that allocates transactions once settled using a credit card to other settlements. For ease of understanding, this embodiment will be explained using an example where a transaction that has been settled once with a credit card is transferred to another credit card, but this is not limited to credit cards; for example, electronic It is also possible to allocate payments to payments, debit card payments, or other payment methods.

As will be described in detail later, when a transaction that has already been settled is distributed to another transaction, the information processing device 100 collects information such as cancellation information for canceling the payment that has already been made, authorization information for credit inquiries at the distribution destination, and information on the distribution destination. It has a function of generating sales information indicating sales information and transmitting this to the issuer server 300a and the sub-issuer server 300b.

As shown in FIG. 1, the issuer server 300a and the sub-issuer server 300b are information terminals connected to a network 210 such as the Internet. The issuer server 300a and the sub-issuer server 300b are, for example, information terminals such as mobile phones, smartphones, tablets, and PCs of credit card issuers. It is also possible to send and receive various data to and from the sub-issuer server 300b. Although the issuer server 300a and the sub-issuer server 300b are both information terminals of credit card issuers, in this embodiment, they are information terminals of different credit card issuers. Specifically, the issuer server 300a is an information terminal of a main credit card issuer, and the sub-issuer server 300b is an information terminal of a sub-credit card issuer different from the main credit card. do. Further, the issuer server 300a and the sub-issuer server 300b can communicate with each other.

The issuer server 300a and the sub-issuer server 300b have a function of charging the member (holder) of the credit card on which the payment was made for the payment amount. In addition, the issuer server 300a and the sub-issuer server 300b deposit the billed amount collected from the member (name holder) into the designated account of the issuer or acquirer, and send a notification to that effect to the issuer server 300a or acquirer server 7. It has a function to settle the payment amount.

The issuer server 300a and the sub-issuer server 300b also have a function of determining whether or not to approve a payment that has occurred based on the authorization information received from the acquirer server 7 or the information processing device 100. It has a function of recording or canceling sales based on sales information and cancellation information received from the information processing device 100.

Next, the configuration of the information processing device 100 will be described with reference to FIG. 2. Note that, as described above, since there are a plurality of information processing apparatuses 100, the other information processing apparatuses 100 also have at least the same configuration.

As shown in FIG. 2, the information processing device 100 includes a storage section 110, a control section 120, an input/output section 130, a communication section 140, and a system bus (not shown) that interconnects these sections. ing.

The storage unit 110 includes a ROM (Read Only Memory), a RAM (Random Access Memory), and the like. The ROM stores a program 111 executed by a CPU (Central Processing Unit) of the control unit 120, various data (not shown) required in advance to execute the program 111, and registered card information 112.

The program 111 is a program that executes card registration processing and distribution instruction processing, which will be described later, and is stored in the storage unit 110 in advance.

The registered card information 112 is a list of information on the main credit card used and the credit card to which the money will be distributed (see FIG. 3), and is stored in the storage unit 110 by executing the card registration process described later. . As shown in FIG. 3, the registered card information 112 includes the "type" indicating whether the card is the main one used (the card used at initial settings and used for payment), and the international brand name. "International brand" indicating information, "Expiration date" indicating the expiration date of the credit card, "Issuer" indicating the name of the issuing company, "Card number" indicating the credit card number, Credit card member (name) Contains "name" information indicating the name. Note that the registered card information 112 may include information other than the information shown in the figure, such as family card information, a personal identification number, the name of a debit financial institution, and an account number.

The control unit 120 includes a CPU, an ASIC (Application Specific Integrated Circuit), and the like. The control unit 120 operates according to the program 111 stored in the storage unit 110 and executes processing according to the program 111. The control unit 120 includes a card registration unit 121, a distribution information generation unit 122, and a distribution information transmission unit 123 as main functional units provided by the program 111 stored in the storage unit 110.

The card registration unit 121 is a functional unit that registers a credit card to be used as a main card (main card) and a credit card to be used as a recipient (sub card) based on a user's operation on the input/output unit 130. be. Specifically, the card registration unit 121 registers the credit card information input to the input/output unit 130 in the storage unit 110 as the registered card information 112.

The distribution information generation unit 122 is a functional unit that generates information necessary for distributing a once-settled transaction to another payment based on the user's operation on the input/output unit 130. Specifically, the distribution information generation unit 122 generates authorization information for credit inquiries at the distribution destination and sales information indicating the sales of the distribution destination based on the information input to the input/output unit 130. , generates cancellation information to cancel the payment once made. These authorization information, sales information, and cancellation information are also referred to as distribution information.

The distribution information transmitting unit 123 is a functional unit that transmits the authorization information, sales information, and cancellation information generated by the distribution information generating unit 122 to the issuer server 300a and the sub-issuer server 300b via the communication unit 140. Note that the cancellation information will be sent only to the issuer server 300a, which will be described in detail later.

The input/output unit 130 is a device for inputting/outputting various data, and includes a keyboard, a mouse, a camera, a microphone, a liquid crystal display, an organic EL (Electro-Luminescence) display, and the like.

The communication unit 140 is a device that allows the information processing apparatus 100 to communicate with other information terminals such as the store terminal 20, the issuer server 300a, the sub-issuer server 300b, etc. via the network 210.

By working together, these functional units generate distribution information and send it to the issuer server 300a and the sub-issuer server 300b, thereby providing the information processing device 100 with the ability to distribute once settled transactions to other payments. make it happen.

The above is the configuration of the information processing device 100. Next, the configurations of the issuer server 300a and the sub-issuer server 300b will be explained with reference to FIG. 4. As shown in FIG. 4, the issuer server 300a and the sub-issuer server 300b include a storage unit 310, a control unit 320, an input/output unit 330, a communication unit 340, and a system bus (not shown) that interconnects them. They have the same thing in common: Note that the terminal of the issuing company of the credit card registered by the user as the main card is the issuer server 300a, and the terminal of the issuing company of the credit card registered as the sub-card is the sub-issuer server 300b. Therefore, depending on the user's settings, the sub-issuer server 300b may become the issuer server 300a.

The storage unit 310 includes ROM, RAM, and the like. The ROM executes a program 311 executed by the CPU of the control unit 320, a sales information list 312 showing a list of sales that have occurred, and a credit information list 313 showing credit information of the credit card member (holder). Various types of data (not shown) necessary for the process are stored in advance.

The program 311 includes a program for executing a process for determining whether to approve a payment that has occurred based on authorization information, and a process for recording and canceling sales based on sales information and cancellation information. , a program for executing a process of billing the member (holder) of the credit card on which the payment was made, and a process of settling the billed amount collected from the member (holder). Specifically, the program 311 is a program for realizing the functions of an authorization sales processing section 321, a settlement processing section 322, and a billing processing section 323, which will be described later, and is stored in the storage section 310 in advance.

The sales information list 312 is information showing a list of transactions conducted in the past. That is, the sales information list 312 is accumulated data of sales information transmitted from the acquirer server 7 and the information processing device 100. As described above, the sales information includes information such as the transaction date, card ID, card expiration date, member store identifier, and transaction amount. Note that the sales information may also include information indicating the type of purchased product, such as food, home appliances, medicine, etc., in addition to this. The sales information list 312 is accumulated in the storage unit 310 every time sales information is received.

The credit information list 313 is a list of information indicating credit of credit card members (holders), and is a list of information in which at least each user's information and credit amount are associated with each other. The credit information list 313 is stored in the storage unit 310, for example, when a credit card is issued or when an examination is completed.

The control unit 320 is composed of a CPU, an ASIC, and the like. The control unit 320 operates according to a program 311 stored in the storage unit 310 and executes processing according to the program 311. The control unit 320 includes an authorization sales processing unit 321, a settlement processing unit 322, and a billing processing unit 323 as main functional units provided by the program 311 stored in the storage unit 310.

The authorization sales processing unit 321 is a functional unit that executes processing for determining whether or not to approve a payment that has occurred based on authorization information, and processing for recording and canceling sales based on sales information and cancellation information. It is. Specifically, the authorization sales processing unit 321 refers to the credit information list 313 stored in the storage unit 310 for the user specified by the authorization information transmitted from the acquirer server 7 or the information processing device 100, and processes the payment. Determine whether to approve or not. Further, the authorization sales processing unit 321 records sales based on the sales information transmitted from the acquirer server 7 and the information processing device 100, and accumulates the sales information in the sales information list 312. Furthermore, the authorization sales processing unit 321 records the cancellation of sales based on the cancellation information transmitted from the acquirer server 7 or the information processing device 100, and accumulates the cancellation information in the sales information list 312. Note that in this embodiment, when cancellation information is received, the corresponding transaction registered in the sales information list 312 is canceled by registering the cancellation information, but unlike this, Sales information corresponding to cancellation information may be deleted from the sales information list 312.

The settlement processing unit 322 is a functional unit that deposits the billed amount collected from the credit card member (name holder) into a designated account of the issuer or acquirer, and transmits a notification to that effect to the issuer server 300a or acquirer server 7. Specifically, since the settlement processing unit 322 of the sub-issuer server 300b, which is the terminal of the sub-card issuing company, is the terminal for distribution, the amount collected from the member (holder) is transferred to the issuer's designated account, i.e. The payment is made to the designated account of the main card issuing company, and the issuer server 300a is notified of this. That is, the sub-issuer server 300b, which is a terminal of the sub-card issuing company, performs settlement with the main card-issuing company. On the other hand, the settlement processing unit 322 of the issuer server 300a, which is the terminal of the main card issuing company, collects the amount collected from the member (name holder) and the amount settled from the sub-issuer server 300b, which is the distribution destination, as specified by the acquirer. Deposit money into the account and notify the acquirer server 7 of the fact. That is, the issuer server 300a, which is a terminal of the main card issuing company, performs settlement with the acquirer. As a result, even if an allocation is made, the issuer server 300a, which is the terminal of the main card issuer, transfers the transaction amount to the acquirer's designated account, in the same way as when no allocation is made. Payment will be made by depositing the full amount. Therefore, regardless of whether allocation has been made or not, the issuer server 300a of the main card issuing company performs the same process of paying the full amount to the acquirer.

The billing processing unit 323 is a functional unit that bills the member (holder) of the credit card on which the payment has been made for the payment amount and collects the payment amount. The billing processing unit 323 of the issuer server 300a bills the member (holder) of the main credit card for the payment amount and collects the payment amount. On the other hand, the billing processing unit 323 of the sub-issuer server 300b bills the member (holder) of the sub-credit card for the payment amount and collects the payment amount.

The input/output unit 330 is a device for inputting/outputting various data, and includes a keyboard, a mouse, a camera, a microphone, a liquid crystal display, an organic EL display, and the like.

The communication unit 340 is a device that allows the issuer server 300a and the sub-issuer server 300b to communicate with other information terminals such as the information processing device 100 and the acquirer server 7 via the network 210.

By working together, these functional units provide the issuer server 300a and the sub-issuer server with the function of requesting the payment amount from the member (holder) of the credit card on which the payment was made, and the function of settling the payment amount. 300b.

The above is the configuration of the issuer server 300a and the sub-issuer server 300b. Next, the operation of the information processing system 1 will be explained. First, the operation of the information processing device 100 will be explained. FIG. 5 is a flowchart illustrating an example of a card registration process executed in the information processing device 100. The card registration process is started when the user performs an operation on the input/output unit 130. It is assumed that the information processing device 100 in the illustrated example is a smartphone owned by “Yama A man” shown in FIG. 3, and information about the owner is stored in the storage unit 110 in advance.

When starting the card registration process shown in FIG. 5, the control unit 120 first acquires card information to be registered using the function of the card registration unit 121 (step S101). Specifically, in step S101, card information is acquired based on a user's input operation on the keyboard or touch panel included in the input/output unit 130 or an image of the card captured by a camera included in the input/output unit 130. In step S101, as shown in FIG. 3, information such as "type", "international brand", "expiration date", "issuer", "card number", and "name" is acquired as card information.

After executing the process in step S101, the control unit 120 uses the function of the card registration unit 121 to determine whether or not there is an error in the acquired card information (step S102). Specifically, in the process of step S102, if something other than a number is entered in an input field where a number should be entered, if an item that requires input is left blank, or if the number of digits in the input field is If the number is missing or too large, and if the "name" is different from the owner of the information processing device 100 even though the "type" is the main one, an input error is determined.

If it is determined in step S102 that there is no error (step S102; No), the control unit 120 uses the function of the card registration unit 121 to determine whether the card to be registered is in the user's name (step S103). ). Specifically, in the process of step S103, the "name" information included in the card information acquired in the process of step S101 is changed from the information of the owner stored in advance in the storage unit 110 (in this example, " ``A man''). For example, when registering the "Main" and "Sub 1" cards shown in Figure 3, the "Name" information included in the acquired card information is the owner's information (in this example, "○yama A-man"). Since they match, it is determined as Yes in the process of step S103. On the other hand, when registering the "Sub 2" card shown in Figure 3, the "Name" information included in the acquired card information (in this example, "Yama B-ko") is changed to the owner's information (in this example, " ○Mountain A Man"), so the determination in step S103 is No.

If it is determined in the process of step S103 that the card to be registered is not in the user's name (step S103; No), that is, as in the case of registering the "sub 2" card shown in FIG. 3, the acquired card information If the “name” information included in the card registration unit 121 (in this example, “○yama, child B”) does not match the owner information (in this example, “○yama, male A”), the control unit 120 controls the card registration unit 121. The function notifies the member (holder) of the credit card to request authentication as to whether registration is permitted (step S104). For example, in the process of step S104, the telephone number of the individual identified by the "name" included in the card information (in this example, "Yama B-ko") is prompted to be input into the input/output unit 130, and the input Send a code such as a one-time password to your phone number. When the individual identified by the "name" included in the card information (in this example, "○yama B-ko") receives the notification (one-time password) and approves the registration, he/she owns the information processing device 100. If the user does not approve the one-time password, the one-time password may not be disclosed to the person (in this example, "Yama A-man").

After executing the process in step S104, the control unit 120 uses the function of the card registration unit 121 to determine whether or not the card registration has been approved (step S105). Specifically, in step S105, if the same code as the notified one-time password is input to the input/output unit 130, it is determined that the card registration has been approved. In this example, if the same one-time password as the one-time password notified to "Yama B-ko" is input to the input/output unit 130, it is determined that the card registration has been approved. On the other hand, if a different one-time password is entered than the notified one-time password, or if the validity period of the notified one-time password has passed without any input, the card registration will not be approved. In other words, it is determined that the request has been rejected.

If it is determined in the process of step S105 that the card registration has been approved (step S105; Yes), or if the card to be registered is in the user's name in the process of step S103 (in the example shown in FIG. 3, it is "main"). and "Sub 1" card) (step S103; Yes), the card information acquired in step S101 is registered in the storage unit 110 as registered card information 112 (step S107).

On the other hand, if it is determined in the process of step S105 that the approval for card registration is rejected (step S105; No), or if it is determined that there is an error in the process of step S102 (step S102; Yes), the control unit 120: The function of the card registration section 121 displays an error on the input/output section 130 (step S106). Specifically, in the process of step S106, the content of the error is displayed on the display included in the input/output unit 130.

After executing the process of step S106 or step S107, the control unit 120 uses the function of the card registration unit 121 to determine whether all the cards to be registered have been registered (step S108), and if all the cards have been registered ( Step S108; Yes), the card registration process ends. On the other hand, if there are other cards to be registered (step S108; No), the process returns to step S101 and the process is repeated until all cards are registered. Note that in the process of step S108, for example, before the process of step S101, the user inputs the number of cards to be registered as a counter value, and each time the process of step S106 or step S107 is performed, the value of the counter is changed. It can be determined that all cards have been registered by subtracting 1 from the counter value and the value of the counter becomes "0". Also, different from this, in the process of step S108, a message such as "Do you have any other cards to register?" is displayed to the user, and if "Yes" is selected, the process of step S101 is performed. You may return and end the card registration process if "No" is selected.

By executing the card registration process in this way, as shown in FIG. 3, the information of the credit card that will be used primarily and the credit card that will be the recipient of the payment will be registered as the registered card information 112. . As described above, the main card is a card used at the time of initial setting, a card used once at the time of payment, and a card used before distribution. Furthermore, by executing the card registration process, it becomes possible to register a credit card with a name different from that of the owner of the information processing device 100 as a sub-card. Payment can be made using each credit card.

Next, the distribution instruction process executed in the information processing device 100 will be described with reference to FIG. 6. FIG. 6 is a flowchart illustrating an example of a distribution instruction process executed by the information processing apparatus 100. The distribution instruction process is started when the user performs an operation on the input/output unit 130 after payment is once made with the main card. In this embodiment, the following description will be made on the assumption that the user has selected in advance which payment to be distributed among a plurality of payments. Further, it is assumed that when a payment to be distributed is selected, sales information corresponding to the payment is transmitted from the issuer server 300a and stored in the storage unit 110. Based on this sales information, authorization information and sales information in step S202, which will be described later, and cancellation information in step S203 are generated.

When the distribution instruction process shown in FIG. 6 is started, the control unit 120 receives the distribution destination and amount using the function of the distribution information generation unit 122 (step S201). Specifically, in the process of step S201, the registered card information 112 stored in the storage unit 110 is read, and the cards registered as main and sub cards are displayed so as to be selectable as allocation destinations, and the input field for the allocation amount is displayed. Display to user. Then, the recipient and the amount to be allocated are accepted through input operations by the user. In the example shown in FIG. 3, the distribution destination is selected from among three, "main", "sub 1", and "sub 2". Note that the control unit 120 that executes the process of step S201 and step S201 correspond to an allocation destination reception means and an allocation destination reception step.

After executing the process in step S201, the control unit 120 uses the function of the distribution information generation unit 122 to generate authorization information regarding the distribution destination received in step S201 and sales information corresponding to the received amount. (Step S202). Specifically, in the process of step S202, authorization information and sales information are generated to be transmitted to the issuer server 300a or sub-issuer server 300b of the issuing company of the card designated as the distribution destination. For example, if "Main" and "Sub 1" are selected as the distribution destinations accepted in step S201, in the process of step S202, the authorization information and sales information to be sent to the issuer server 300a, and the sub-issuer Authorization information and sales information to be transmitted to the server 300b will be generated. Note that in the process of step S202, an example is shown in which sales information is generated in addition to the authorization information. Sales information may be generated only when Further, if the sales information is the same as the authorization information, the authorization information may be transmitted as the sales information. Furthermore, when sales information is generated separately, as described above, unlike the authorization information, information indicating the type of purchased product, such as a purchased item, home appliance, or medicine, may be included. Note that the control unit 120 that executes the process of step S202 and step S202 correspond to a sales information generation means and a sales information generation step.

After executing the process in step S202, the control unit 120 uses the function of the distribution information generation unit 122 to generate cancellation information corresponding to the payment once made with the main card (step S203). Similar to the sales information, the cancellation information includes information such as the transaction date, card ID, card expiration date, member store identifier, and transaction amount. Cancellation information differs from sales information in that transaction amount information is a negative value. Also, different from this, for example, sales information and cancellation information may be provided with a "sales type" item, and "sales" may be set for sales information, and "returns" may be set for cancellation information. It should be noted that the cancellation information may not include some information, such as information on the identifier of the member store, as long as the corresponding sales information can be specified. Note that the control unit 120 that executes the process of step S203 and step S203 correspond to a cancellation information generation means and a cancellation information generation step.

After executing the process in step S203, the control unit 120 uses the function of the distribution information transmitting unit 123 to transmit the authorization information generated in the process in step S202 to the distribution destination (step S204). For example, if "main" and "sub 1" are selected as the distribution destinations accepted in step S201, in the process of step S204, the issuer server 300a corresponding to "main" and the sub Authorization information for each designated amount is transmitted to the issuer server 300b.

After executing the process in step S204, the control unit 120 uses the function of the distribution information transmitting unit 123 to check whether the authorization information is approved by checking the authorization approval/disapproval information received from the issuer server 300a and the sub-issuer server 300b. The determination is made by doing so (step S205). For example, when authorization information is transmitted to the issuer server 300a corresponding to "main" and the sub-issuer server 300b corresponding to "sub 1" in the process of step S204, the information processing apparatus 100 sends the authorization information as an approval result of the transmitted authorization information. , receives authorization approval/disapproval information from the issuer server 300a and the sub-issuer server 300b. In step S205, the received authorization approval/disapproval information is checked, and it is determined whether all the received authorization approval/disapproval information indicates approval. That is, in step S205, if any part of the received authorization approval/disapproval information indicates rejection, it is determined that the authorization has been rejected (determined as No).

If the authorization information is not approved in the process of step S205 (step S205; No), that is, if some of the received authorization approval/disapproval information indicates rejection, the control unit 120 The function of the distribution information transmitting section 123 displays a distribution error indicating that distribution has failed on the display included in the input/output section 130 (step S206), and then the distribution instruction process ends.

On the other hand, if the authorization information is approved in the process of step S205 (step S205; Yes), that is, if all the received authorization approval/disapproval information indicates approval, the control unit 120 controls the distribution information transmitting unit 123. The function transmits the sales information generated in the process of step S202 to the distribution destination (step S207). For example, if "main" and "sub 1" are selected as the distribution destinations accepted in step S201, in the process of step S207, the issuer server 300a corresponding to "main" and the sub Sales information of each designated amount is transmitted to the issuer server 300b. Note that the control unit 120 that executes the process of step S207 and step S207 correspond to a sales information transmitting means and a sales information transmitting step.

After executing the process in step S207, the control unit 120 uses the function of the distribution information transmitting unit 123 to transmit the cancellation information generated in the process in step S203 to the issuer server 300a (step S208). Specifically, since the payment has already been made with the main card, in the process of step S208, the cancellation information generated in the process of step S203 is sent to the issuer server 300a, which is the terminal of the issuing company of the main card. . Note that the control unit 120 that executes the process of step S208 and step S208 correspond to a cancel information transmitting means and a cancel information transmitting step.

Although this embodiment has shown an example in which cancellation information is generated in the process of step S203, it may be generated and transmitted in the process of step S208. Further, although this embodiment shows an example in which cancellation information is sent after sending authorization information and sales information, cancellation information may be sent before authorization information and sales information. According to this, if you select "Main" and "Sub 1" as the distribution destination after making a payment with your main card, this will prevent the situation where the limit of the main card is exceeded and the authorization information is not approved. can. Separately, if a selection including "main" is made as the distribution destination, the transaction amount included in the cancellation information is subtracted from the transaction amount included in the authorization information, and then the authorization information is transferred in step S204. You can also send it. That is, after transmitting the authorization information that takes into account the cancellation amount included in the cancellation information, the cancellation information may be transmitted in the process of step S208. According to this, even though "main" and "sub 1" were selected as distribution destinations by transmitting the cancellation information first, the authorization received from the sub-issuer server 300b corresponding to "sub 1" was not accepted. It is possible to reduce recovery processing when the availability information indicates refusal.

After executing the process in step S208, the control unit 120 uses the function of the distribution information transmitting unit 123 to display a message indicating that the distribution has been completed on the display included in the input/output unit 130 (step S209), the distribution instruction process ends.

By executing the distribution instruction process in this way, confirmation of the authorization information of the distribution destination is instructed, and a transaction once settled can be distributed to other cards including the same card. In addition, as mentioned above, in this example, we will explain the case where a transaction that has been settled once with a credit card is transferred to another payment with a credit card. In other words, it is also possible to allocate payment to other payment methods. In this case, for example, in the card registration process shown in FIG. 5, not only credit cards but also other payment methods such as electronic payment and debit cards may be registered. Then, in the process of step S201 in FIG. 6, the distribution destination may be selected. According to this, it becomes possible to change a transaction that has already been settled to another payment method, and it is possible to flexibly change a transaction that has already occurred.

Next, with reference to FIGS. 7 to 9, the operation of the information processing system 1 when sorting is performed will be specifically described.

First, the case where the payment of 10,000 yen with the main card is allotted in full to the "sub 1" card shown in FIG. 3 will be explained with reference to FIG. 7. FIG. 7(A) is an explanatory diagram showing a payment of 10,000 yen using the main card. When the user makes a payment of 10,000 yen at a store using the main card, the store terminal 20 generates authorization information and sales information and transmits them via the acquirer server 7 to the issuer server 300a. The issuer server 300a confirms the user's authorization information, generates authorization approval/disapproval information, generates payment completion information, and transmits it to the store terminal 20 via the acquirer server 7. Note that sales information is sent after authorization information is approved, which is similar to general payment. Furthermore, when a return is made at a store, cancellation information instead of sales information is generated and sent to the issuer server 300a via the acquirer server 7. Other points are the same as in the case of transmitting sales information. Normally, a 10,000 yen payment made using the main card is transferred to the acquirer and then paid to the store. Then, the issuer charges 10,000 yen to "Yama A-man" who is the member (holder) of the main card, based on the function of the billing processing unit 323, and collects the amount from the designated account. Then, based on the function of the settlement processing unit 322, the collected 10,000 yen is deposited into the designated account of the acquirer, and a notification that the deposit is completed is transmitted to the acquirer server 7. As a result, payment will be made from the issuer to the acquirer. Note that the payment made once using the main card corresponds to the initial payment.

Next, a case will be described in which a payment of 10,000 yen with the main card shown in FIG. 7(A) is distributed to the "sub 1" card shown in FIG. 3. FIG. 7(B) is an explanatory diagram when allocating the entire amount to the sub-1 card. Note that in the illustrated example, generation and transmission of authorization information are omitted for simplification (the same applies to FIGS. 8 and 9). As shown in the figure, the user "○yama A-man" operates the input/output unit 130 of the information processing device 100 to start the distribution instruction process, and when the operation to distribute 10,000 yen to the sub 1 card is performed, In the process of step S201 in FIG. 6, an instruction to allocate 10,000 yen to the sub-1 card is accepted.

Thereafter, authorization information, sales information, and cancellation information are generated by the processing in steps S202 and S203 in FIG. 6, and when the authorization information is approved, the processing in step S206 is performed as shown in FIG. 7(B). Then, sales information of 10,000 yen is sent to the sub-issuer server 300b, and through the process of step S207, cancellation information of 10,000 yen is sent to the issuer server 300a. Note that the sub-issuer server 300b corresponds to an allocation destination processing terminal, and the issuer server 300a corresponds to an initial payment processing terminal.

The sub-issuer server 300b, which has received the sales information from the information processing device 100, pays 10,000 yen based on the function of the billing processing unit 323 to “○yama A-man” who is the member (holder) of the “sub-1” card. and collect the amount from the designated account. Then, based on the function of the settlement processing unit 322, the collected 10,000 yen is deposited into the designated account of the issuer, and a notification that the deposit is completed is transmitted to the issuer server 300a. As a result, settlement is performed from the sub-issuer to the issuer.

Upon receiving the notification of deposit from the sub-issuer server 300b, the issuer server 300a deposits the 10,000 yen into the acquirer's designated account based on the function of the settlement processing unit 322, and notifies the acquirer that the deposit has been completed. Send to server 7. As a result, payment will be made from the issuer to the acquirer. As described above, a process is performed in which the entire amount of the 10,000 yen payment made with the main card is distributed to the sub-1 card. As shown in the figure, even when distribution processing is performed, the issuer makes the deposit into the acquirer's designated account, and the issuer server 300a also sends a notification that the deposit has been completed to the acquirer server 7. . In other words, even when distribution processing is performed, the issuer makes the payment to the acquirer. Therefore, distribution can be achieved through the same process as when no distribution process is performed, and it is possible to prevent the process from becoming complicated and affecting the acquirer.

Next, the case where a payment of 10,000 yen with the main card is distributed to the "main" card and the "sub 1" card shown in FIG. 3 will be explained with reference to FIG. 8. FIG. 8(A) is an explanatory diagram showing a payment of 10,000 yen using the main card, and since it is the same as FIG. 7(A), the explanation will be omitted.

Next, a case will be described in which a payment of 10,000 yen with the main card shown in FIG. 8(A) is distributed to the "main" card and the "sub 1" card shown in FIG. 3. FIG. 8(B) is an explanatory diagram when 8,000 yen is allocated to the main card and 2,000 yen is allocated to the sub-1 card. As shown in the figure, the user "○yama A-man" operates the input/output unit 130 of the information processing device 100 to start the distribution instruction process, and distributes 8,000 yen to the main card and 2,000 yen to the sub-1 card. When the operation is performed, an instruction to allocate 8,000 yen to the main card and 2,000 yen to the sub-1 card is received in the process of step S201 in FIG. 6.

Thereafter, through the processing in steps S202 and S203 in FIG. 6, authorization information and sales information for an amount of 8,000 yen are generated, which are sent to the issuer server 300a, and cancellation information for 10,000 yen is generated. Further, through the processing in steps S202 and S203, authorization information and sales information for the amount of 2000 yen to be sent to the sub-issuer server 300b are also generated. Then, the authorization approval/disapproval information received from the issuer server 300a and the sub-issuer server 300b is confirmed, and when each authorization information is approved, the processing of step S206 results in an amount of 8,000 yen, as shown in FIG. 8(B). The sales information of 2000 yen is sent to the issuer server 300a, and the sales information of 2000 yen is sent to the sub-issuer server 300b. Further, through the process of step S207, cancellation information of 10,000 yen is transmitted to the issuer server 300a.

The sub-issuer server 300b receives the sales information of 2000 yen from the information processing device 100, and based on the function of the billing processing unit 323, the sub-issuer server 300b sends a message to “○yama A-man” who is the member (holder) of the “sub-1” card. 2,000 yen will be charged and the amount will be collected from the designated account. Then, based on the function of the settlement processing unit 322, the collected 2000 yen is deposited into the designated account of the issuer, and a notification that the deposit is completed is transmitted to the issuer server 300a. As a result, settlement is performed from the sub-issuer to the issuer.

The issuer server 300a receives the sales information of 8,000 yen from the information processing device 100, and based on the function of the billing processing unit 323, the issuer server 300a sends the sales information of 8,000 yen to "○yama A-man" who is the member (name holder) of the "main" card. yen and collect the amount from the designated account. Further, upon receiving the notification of payment from the sub-issuer server 300b, the issuer server 300a, based on the function of the settlement processing unit 322, pays 10,000 yen of the total amount of the collected 8,000 yen and the 2,000 yen deposited from the sub-issuer. , deposits the money into the designated account of the acquirer, and transmits to the acquirer server 7 that the deposit has been completed. As a result, payment will be made from the issuer to the acquirer. As described above, a process is performed in which the payment of 10,000 yen with the main card is distributed to the main card and the sub-1 card. Note that even in the case where the funds are divided into two, main and sub, the issuer makes the deposit into the acquirer's designated account, and the issuer server 300a also sends a notification that the deposit has been completed to the acquirer server 7. The same is true.

Next, the case where a payment of 10,000 yen with the main card is distributed to the "Sub 1" card and the "Sub 2" card shown in FIG. 3 will be explained with reference to FIG. 9. In this example, the issuing company of the "Sub 2" card is different from the issuing company of the "Sub 1" card, and the information terminal of the issuing company of the "Sub 2" card is the sub-issuer server 300c. shall be taken as a thing. Further, the sub-issuer server 300c includes functional units similar to those of the issuer server 300a and the sub-issuer server 300b shown in FIG. FIG. 9(A) is an explanatory diagram showing a payment of 10,000 yen with the main card, and is the same as FIG. 7(A), so the explanation will be omitted.

Next, a case will be described in which a payment of 10,000 yen with the main card shown in FIG. 9(A) is distributed to the "Sub 1" card and the "Sub 2" card shown in FIG. 3. FIG. 9(B) is an explanatory diagram when 6000 yen is allocated to the sub-1 card and 4000 yen is allocated to the sub-2 card. As shown in the figure, the user "○yama A-man" operates the input/output unit 130 of the information processing device 100 to start the distribution instruction process, and sends 6,000 yen to the sub-1 card and 4,000 yen to the sub-2 card. When the operation to allocate is performed, in the process of step S201 in FIG. 6, an instruction to allocate 6000 yen to the sub-1 card and 4000 yen to the sub-2 card is accepted.

Thereafter, through the processing of steps S202 and S203 in FIG. 6, authorization information and sales information for an amount of 6,000 yen and authorization information and sales information for an amount of 4,000 yen are sent to the sub-issuer server 300b and the sub-issuer server 300c, respectively. are generated, and at the same time, cancellation information of 10,000 yen is generated to be sent to the issuer server 300a. Then, the authorization approval/disapproval information received from the sub-issuer server 300b and the sub-issuer server 300c is confirmed, and when each authorization information is approved, the process of step S206 results in 6000 Sales information of yen is sent to the sub-issuer server 300b, and sales information of 4000 yen is sent to the sub-issuer server 300c. Further, through the process of step S207, cancellation information of 10,000 yen is transmitted to the issuer server 300a.

The sub-issuer server 300b receives the sales information of 6,000 yen from the information processing device 100, and based on the function of the billing processing unit 323, the sub-issuer server 300b sends a message to “○yama A-man” who is the member (holder) of the “sub-1” card. 6,000 yen, and the amount will be collected from the designated account. Then, based on the function of the settlement processing unit 322, the collected 6,000 yen is deposited into the designated account of the issuer, and a notification that the deposit is completed is transmitted to the issuer server 300a. On the other hand, the sub-issuer server 300c, which received the sales information of 4,000 yen from the information processing device 100, requests the billing processing unit 323's function to "○yama B-ko" who is the member (holder) of the "sub 2" card. 4,000 yen will be charged based on the above, and the amount will be collected from the designated account. Then, based on the function of the settlement processing unit 322, the collected 4,000 yen is deposited into the designated account of the issuer, and a notification that the deposit has been completed is transmitted to the issuer server 300a. Through these, payments are made from each sub-issuer to the issuer. Note that "Yama A-man", who is the owner of the information processing device 100 and is the member (holder) of the "main" and "sub 1" cards, corresponds to the first name and the first name. , "Yama B-ko", who is the member (holder) of the "Sub 2" card, corresponds to the second name and the person in the second name.

When the issuer server 300a receives the notification of deposit from the sub-issuer server 300b and the sub-issuer server 300c, based on the function of the settlement processing unit 322, the issuer server 300a sends the total amount deposited from each sub-issuer, 10,000 yen, to the acquirer. At the same time, the deposit is sent to the designated account of the customer, and a notification to the effect that the deposit is completed is sent to the acquirer server 7. As a result, payment will be made from the issuer to the acquirer. As described above, a process is performed in which the payment of 10,000 yen with the main card is distributed to the sub-1 card and the sub-2 card. As shown in the figure, even if the payment is distributed to different holders, the issuer will make the deposit into the acquirer's designated account, and the issuer will receive a notification that the deposit has been completed from the issuer server 300a. The process performed on the server 7 is similar.

In this way, in the information processing apparatus 100 according to this embodiment, a transaction once settled with a credit card can be divided into payments made with another credit card. Additionally, in addition to credit cards, it is also possible to divide payments into electronic payments and debit card payments, that is, payments with other methods, and once a transaction has been settled, it is also possible to change it to another payment method. Once a payment has occurred, it can be changed flexibly.

(Modified example)
Note that the present invention is not limited to the embodiments described above, and various modifications and applications are possible. For example, the information processing device 100 according to the embodiment described above does not need to have all the technical features shown above, and the information processing device 100 according to the embodiment described above does not have to have all the technical features shown above. It may also include some of the configurations described above. Furthermore, at least a portion of each of the following modified examples may be combined.

In the embodiment described above, in the process of step S201 in FIG. 6, an example was shown in which the allocation destination and the amount are accepted by the user's input operation. In addition, before accepting the user's input operation, for example, input/output Recommended destinations may be displayed on the display included in the section 130. Specifically, if a credit card is registered as a payment destination that will waive the annual fee if used for payment at least once, we will recommend that you send a message stating that the annual fee will be waived if you do not use it. may be displayed as a candidate for distribution. In this case, for example, the registered card information 112 may include information indicating the relationship between whether or not the credit card is used and the annual fee.

In addition, recommended allocation destination candidates may be displayed by displaying among a plurality of credit cards registered as the registered card information 112 in descending order of point return rate. Note that the point return rate may be included in the registered card information 112 in advance. Alternatively, the control unit 120 may refer to the registered card information 112 and obtain the credit card point return rate included in the registered card information 112 from an external site such as the Internet. According to this, it is possible to deal with cases where the point return rate changes for a limited time such as during a campaign, and more flexible distribution can be performed.

Further, recommended distribution destination candidates may be displayed based on the member store information included in the sales information, such as the main card for store A and the sub-1 card for store B. Furthermore, information indicating the type of purchased products (product type information) such as food, home appliances, medicine, etc. is included in the sales information.For example, if it is a product for one's hobby, the main card, if it is children's clothes, the sub-1 card is a family card, etc. Recommended destination candidates may be displayed based on the product type information, such as in the example below. Alternatively, the balance information of the bank account corresponding to the card registered as the registered card information 112 may be obtained, and recommended allocation destination candidates may be displayed according to the balance of the bank account. Specifically, if the balance of the designated account corresponding to the main card is 1 million yen, the balance of the designated account corresponding to sub 1 is 200,000 yen, and the transaction amount indicated by the sales information is 1.1 million yen, then the main card It is sufficient to display a pattern in which 1 million yen is allocated to the card and 100,000 yen to the sub-1 card, and a pattern in which 900,000 yen is allocated to the main card and 200,000 yen is allocated to the sub-1 card.

Further, in this embodiment, in the process of step S201 in FIG. 6, an example is shown in which the allocation destination and amount are accepted by the input operation by the user, but in addition to this, the allocation destination and amount can be received by the user. , sorting may be performed automatically (automatic sorting). Specifically, the distribution destination may be set according to the member store, or the distribution destination may be set according to the type of product indicated by the product type information. Alternatively, the recipient may be set depending on the account balance. Note that when a plurality of settings are made, such as affiliated store information, product type information, account balance, etc., it is sufficient that the user can arbitrarily set which information is to be prioritized. The same holds true when displaying recommended distribution destination candidates.

Furthermore, in the embodiment described above, an example was shown in which the recipient and the amount of money are received in the process of step S201 in FIG. 6, but this is just an example. For example, as shown in FIG. 7, when a payment of 10,000 yen made with the main card is to be distributed in full to the sub-1 card, only the recipient of the payment needs to be accepted. According to this, it is possible to save the effort of inputting the amount of money, and it is possible to further increase flexibility.

Furthermore, in this embodiment, a credit card with a name different from that of the owner of information processing device 100 can also be registered as a sub-card. For example, when a husband and wife handle accounting separately, each credit card (For example, see FIG. 9). However, for example, when allocating to a credit card whose name is different from that of the owner of the information processing device 100, the upper limit amount set in advance It may also be possible to sort only when the number is less than 1. Specifically, when registering a credit card with a name different from the owner of the information processing device 100 in the card registration process, an upper limit amount may be set. Then, in the process of step S201 in FIG. 6, it is determined whether or not the amount is less than the upper limit amount, and if the amount is greater than or equal to the upper limit amount, an error may be displayed. Separately, in the process of step S201 in FIG. 6, if a credit card whose name is different from that of the owner of the information processing device 100 is selected as the recipient, the amount to be allocated is transferred to the holder of the credit card. Distribution may be possible only when the holder is notified and approved by the holder. That is, if a credit card with a name different from that of the owner of the information processing device 100 is selected as the recipient, approval by the credit card holder may be required each time. According to these methods, it is possible to prevent the holder from feeling uneasy, such as from being arbitrarily allocated a large sum of money or from being allocated frequently even for a small amount.

Note that the information processing device 100 according to the embodiment described above can be realized using a normal computer without using a dedicated device. For example, the information processing apparatus 100 that executes any of the above-described processes may be configured by installing a program for executing any of the above-described processes into the computer from a recording medium stored thereon. Further, one information processing device 100 may be configured by a plurality of computers working together.

Further, in the case where the above-mentioned functions are realized by sharing between an OS (Operating System) and an application, or by cooperation between the OS and an application, only the parts other than the OS may be stored on the medium.

It is also possible to superimpose a program on a carrier wave and distribute it via a communication network. For example, the program may be posted on a bulletin board (BBS, Bulletin Board System) on a communication network and distributed via the network. The above-described process may be executed by starting these programs and executing them under the control of the operating system in the same way as other application programs.

1 information processing system, 7 acquirer server, 20 store terminal, 100 information processing device, 110 storage unit, 111 program, 112 registered card information, 120 control unit, 121 card registration unit, 122 distribution information generation unit, 123 distribution information transmission Department, 130, 330 Input/output section, 140, 340 Communication department, 210 Network, 300a Issuer server, 300b Sub-issuer server, 310 Storage section, 311 Program, 312 Sales information list, 313 Credit information list, 320 Control section, 321 Authorization Sales processing department, 322 Settlement processing department, 323 Billing processing department

Claims (7)

An information processing device that allocates an initial payment once made to a different payment,
an allocation destination reception means for accepting an allocation destination from registered candidates for allocation destinations;
Sales information generation means for generating sales information corresponding to the distribution destination received by the distribution destination reception means;
Cancellation information generation means for generating cancellation information for canceling the initial payment;
Sales information transmitting means for transmitting the sales information generated by the sales information generating means to an allocation destination processing terminal that processes the payment for the allocation destination accepted by the allocation destination reception means;
Cancellation information transmitting means for transmitting the cancellation information generated by the cancellation information generating means to an initial payment processing terminal that processes the initial payment;
An information processing device comprising: The distribution destination receiving means further accepts the distribution amount corresponding to the distribution destination,
The sales information generating means generates sales information corresponding to the distribution destination received by the distribution destination receiving means based on the distribution amount.
The information processing device according to claim 1. The distribution destination receiving means is capable of accepting a plurality of distribution destinations including the same payment as the initial payment, and the distribution amount corresponding to each of the plurality of distribution destinations.
The information processing device according to claim 2. The registered distribution destination includes a distribution destination that is a payment in a second name different from the first name that is the payment name in the initial payment, and that has been approved in advance by the person in the second name.
The information processing device according to any one of claims 1 to 3. The distribution destination receiving means is capable of accepting the payment in the second name as the distribution destination when the distribution amount corresponding to the distribution destination is less than a predetermined upper limit amount.
The information processing device according to claim 4. An information processing method using an information processing device that allocates an initial payment once made to a different payment,
a distribution destination reception step for accepting distribution destinations from registered distribution destination candidates;
a sales information generation step of generating sales information corresponding to the distribution destination received in the distribution destination reception step;
a cancellation information generation step of generating cancellation information for canceling the initial payment;
a sales information transmitting step of transmitting the sales information generated in the sales information generation step to an allocation destination processing terminal that processes the payment for the allocation destination accepted in the allocation destination reception step;
a cancellation information transmission step of transmitting the cancellation information generated in the cancellation information generation step to an initial payment processing terminal that processes the initial payment;
An information processing method comprising: A program that allocates the initial payment once made to different payments,
computer,
an allocation destination reception means for accepting an allocation destination from registered candidates for allocation destinations;
Sales information generation means for generating sales information corresponding to the distribution destination received by the distribution destination reception means;
Cancellation information generation means for generating cancellation information for canceling the initial payment;
Sales information transmitting means for transmitting the sales information generated by the sales information generating means to an allocation destination processing terminal that processes the payment for the allocation destination accepted by the allocation destination reception means;
Cancellation information transmitting means for transmitting the cancellation information generated by the cancellation information generating means to an initial payment processing terminal that processes the initial payment;
A program that functions as

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