JP2023151246A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

To improve user convenience.SOLUTION: An information processing device disclosed herein comprises an acquisition unit configured to acquire payment histories of multiple balances available to a user using a terminal device when payment is made using the terminal device, a selection unit configured to select a balance to be settled from among the multiple balances according to the payment histories, and a payment processing unit configured to perform payment processing using the selected balance to be settled.SELECTED DRAWING: Figure 1

Description

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

2. Description of the Related Art Conventionally, technologies related to digital prepaid cards (sometimes referred to as "electronic prepaid cards" or simply "prepaid cards") have been disclosed.

Japanese Patent Application Publication No. 2020-149717 Japanese Patent Application Publication No. 2020-177443 Japanese Patent Application Publication No. 2014-048917

However, the above-mentioned conventional technology performs reception processing including payment of fees at car wash machines by outputting a QR code (registered trademark) etc. that encodes not only payment settings but also car wash settings to the user's application. It's just a mechanism. In order to realize a prepaid card that can be used for payment (electronic payment) using a terminal device, a mechanism for handling balances exclusively for prepaid cards is required.

The present application has been made in view of the above, and aims to improve convenience for users.

The information processing device according to the present application includes, when a payment is made using a terminal device, an acquisition unit that acquires the payment history of a plurality of balances available to a user using the terminal device, and The present invention is characterized in that it includes a selection section that selects a balance to be settled from among the plurality of balances, and a settlement processing section that performs settlement processing using the selected balance to be settled.

According to one aspect of the embodiment, user convenience can be improved.

FIG. 1 is an explanatory diagram showing an overview of an information processing method according to an embodiment. FIG. 2 is an explanatory diagram showing an overview of management of the balance of a prepaid card according to the embodiment. FIG. 3 is an explanatory diagram showing an overview of application of the prepaid card according to the embodiment. FIG. 4 is a diagram showing an example of a display screen of candidate information. FIG. 5 is a diagram showing an example of a display screen of candidate information. FIG. 6 is a diagram illustrating a configuration example of an information processing system according to an embodiment. FIG. 7 is a diagram illustrating a configuration example of a terminal device according to an embodiment. FIG. 8 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 9 is a diagram showing an example of a user information database. FIG. 10 is a diagram showing an example of a history information database. FIG. 11 is a diagram showing an example of a card information database. FIG. 12 is a diagram showing an example of a payment information database. FIG. 13 is a flowchart showing a processing procedure for prepaid card management according to the embodiment. FIG. 14 is a flowchart showing a processing procedure for using a prepaid card according to the embodiment. FIG. 15 is a flowchart showing the processing procedure for physical prepaid card management according to the embodiment. FIG. 16 is a flowchart showing a prepaid card selection processing procedure according to the embodiment. FIG. 17 is a flowchart showing a processing procedure for displaying selection information regarding a prepaid card according to the embodiment. FIG. 18 is a diagram showing an example of a hardware configuration.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing apparatus, an information processing method, and an information 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 information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. In addition, in the following embodiments, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Overview of information processing method]
First, with reference to FIG. 1, an overview of an information processing method performed by an information processing apparatus according to an embodiment will be described. FIG. 1 is an explanatory diagram showing an overview of an information processing method according to an embodiment. In FIG. 1, an example will be described in which a limited-use balance is managed as a balance that can be used for electronic payment.

As shown in FIG. 1, the information processing system 1 includes a terminal device 10 and a payment server 100. The terminal device 10 and the payment server 100 are connected to each other via a network N (see FIG. 6) so that they can communicate with each other by wire or wirelessly. In this embodiment, the terminal device 10 cooperates with the payment server 100. In addition, in the following description, an example will be shown in which the terminal device 10 is used by a user U (user). Furthermore, in the following description, the terminal device 10 may be equated with the user U. That is, below, the user U can also be read as the terminal device 10.

The terminal device 10 is a smart device such as a smartphone or a tablet used by the user U, and can communicate with any server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). This is a mobile terminal device that can Further, the terminal device 10 has a screen such as a liquid crystal display, which has a touch panel function, and allows a user to perform a tap operation, a slide operation, a scroll operation, etc. using a finger or a stylus, etc. to respond to display data such as content. Accepts various operations. Note that an operation performed on an area of the screen where content is displayed may be an operation on the content. Further, the terminal device 10 may be not only a smart device but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC.

The payment server 100 is an information processing device that manages a balance for limited use as a balance that can be used for electronic payment, and is realized by a server device, a cloud system, or the like. For example, the payment server 100 provides an electronic payment service regarding payment (electronic payment) using the terminal device 10. In addition, the payment server 100 manages accounts of businesses that provide transaction objects such as products and services, and accounts of users to whom transaction objects are provided, and in accordance with payment requests from users, transfers between accounts. Various payments will be realized by transferring electronic money, etc. Note that electronic money may be, for example, points or currency used independently by various companies, or may be currency provided by a country such as Japanese yen or dollars that can be electronically transacted. good. In this embodiment, the payment server 100 separately manages the balance for normal electronic payment and the balance for payment of each prepaid card in the user's account. That is, the payment server 100 manages the balance individually for each prepaid card. Actually, an account for each prepaid card may be managed as a purpose-specific account attached to the user's account.

In this embodiment, the payment server 100 provides a service for issuing, managing, and operating prepaid cards. For example, the payment server 100 is a prepaid card sales corner of a payment (electronic payment) application (hereinafter sometimes simply referred to as a "payment application") using the terminal device 10 of the user U. When U purchases a prepaid card that can be used at a member store, a prepaid card that can be used within a payment application is provided. For example, the payment server 100 provides a prepaid card application as an application (mini application) launched within the payment application.

Then, when the user U purchases and uses the desired transaction object (product, service) at a member store where the prepaid card can be used, the user U makes a payment (electronic payment) using the terminal device 10 using the payment application. . At the time of electronic payment, the payment server 100 automatically allocates the charge balance of the prepaid card to the payment amount of the target product/service. In other words, the charged balance of the prepaid card is deducted by the amount of payment for the target product/service. If the charge balance of the prepaid card is insufficient, the entire charge balance of the prepaid card will be used and the charge balance will be deducted from the payment amount for the applicable product/service.

This prepaid card can be used at member stores of electronic payment services. In this embodiment, a prepaid card is issued for each member store. For example, prepaid cards are issued for each member store brand (corporate brand, product brand, etc.). If a member store has multiple brands (for example, a main brand and sub-brands), a prepaid card may be issued for each individual brand, or a prepaid card may be issued for each brand of the same member store. Prepaid cards may be issued. Each member store can design its own prepaid card. The terminal device 10 of the user U displays the UI (User Interface) of the prepaid card according to the design of each member store. Additionally, prepaid cards can have a premium added to them using funds from participating merchants. For example, user U can purchase a prepaid card loaded with 5,500 yen by paying 5,000 yen.

User U also charges the prepaid card by pressing (tap or clicking) the "Charge" button displayed for each prepaid card on the screen that displays a list of prepaid cards held by the user. be able to.

Additionally, this prepaid card can be given as a gift through person-to-person transfers. That is, the user U can use the terminal device 10 to give the prepaid card to another person as a gift. For example, a user U operates the terminal device 10 and presses a "gift" button displayed for each prepaid card on a screen displaying a list of prepaid cards that the user owns, thereby allowing the user to use the You can use the remittance function to gift prepaid cards to other users. Note that, when a prepaid card is presented to the user and the user already owns the prepaid card, the amount to be charged on the presented prepaid card will be charged to the prepaid card that the user already owns. At this time, the terminal device 10 on the side to which the prepaid card was presented displays a message that the prepaid card has been presented and information regarding the giver. For example, the terminal device 10 on the receiving side displays a message such as "Mr. XX has given me a prepaid card of XX yen worth of □□."

Furthermore, if the user U has a prepaid card that can be used at a target member store, the user can use the prepaid card in conjunction with the payment when making a payment at the member store. In the case of a payment in which the payment amount exceeds the charge balance, the payment server 100 allows the user to select whether to charge the charge again.

Note that the payment server 100 may acquire various information regarding the user U. For example, the payment server 100 acquires information regarding user U's attributes such as user U's gender, age, and area of residence. The payment server 100 stores and manages identification information indicating the user U (user ID, etc.) as well as information regarding attributes of the user U.

Further, the payment server 100 may acquire various kinds of history information (log data) indicating the actions of the user U from the terminal device 10 of the user U or from various servers based on the user ID, etc. . For example, the payment server 100 acquires a location history that is a history of the location, date and time of the user U from the terminal device 10. The payment server 100 also acquires a search history, which is a history of search queries input by the user U, from a search server (search engine). The payment server 100 also acquires a viewing history, which is a history of content viewed by the user U, from the content server. The payment server 100 also acquires a purchase history, which is a history of product purchases by the user U, from the electronic commerce server and the payment server. Further, the payment server 100 may acquire the listing history and the sales history, which are the listing history of the user U on the marketplace, from the electronic commerce server or the payment server. The payment server 100 also acquires a posting history, which is a history of postings by the user U, from a posting server or SNS server that provides a word-of-mouth posting service.

Note that the payment server 100 may recommend the purchase of a prepaid card suitable for the user U based on the user U's attribute information and the above-mentioned various history information. For example, the payment server 100 analyzes the preferences and purchasing trends of the user U from the above various historical information, estimates a prepaid card suitable for the user U, and provides a link to the purchase screen of the prepaid card. A push notification may be sent to the terminal device 10 of the user U. In addition, through collaborative filtering, the payment server 100 obtains information regarding prepaid cards held by other users with similar attribute information, history information, or tastes to user U, and uses a link to the purchase screen of the prepaid card. A push notification may be sent to the terminal device 10 of person U.

Alternatively, the payment server 100 may use machine learning to create a prepaid card estimation model (learned model) that outputs an estimation result of a prepaid card suitable for the user U when the attribute information of the user U is input. That is, the payment server 100 generates an estimation model using the attribute information of the user U and the prepaid card used by the user U as correct data. Then, the payment server 100 inputs the attribute information of the user U into the prepaid card estimation model, and based on the output prepaid card estimation result, provides the user U with a link to the purchase screen of the prepaid card. Push notification may also be sent to the terminal device 10. Note that, in reality, history information may be input together with user U's attribute information. That is, the payment server 100 may generate the estimation model using the attribute information and history information of the user U and the prepaid card used by the user U as correct data.

Regarding the creation of a trained model, for example, the payment server 100 performs learning to estimate a prepaid card suitable for user U by machine learning using RNN (Recurrent Neural Network), LSTM (Long short-term memory), etc. Create a completed model. Note that any type and format of the model can be employed. For example, the payment server 100 may adopt SVM (Support Vector Machine) or DNN (Deep Neural Network) as a model. Here, the DNN may be a CNN (Convolutional Neural Network) or an RNN. Further, the model may be a model realized by combining a plurality of models, such as a model combining CNN and RNN. Note that the RNN and LSTM may be neural networks based on an attention mechanism. Further, the payment server 100 may use a similar natural language processing model. Data mining and other machine learning algorithms may also be used. The payment server 100 can perform model learning using the various learning methods described above.

[1-1. Regarding payment using the terminal device 10]
Here, prior to information processing according to the embodiment, an example of payment (electronic payment) using the terminal device 10 will be described. In the following explanation, the user U uses the two-dimensional code (QR code (registered trademark)) placed at the store and indicates store identification information to identify the store, to access the terminal device 10. An example in which payment is made using the following will be described, but the embodiment is not limited to this. An example of a payment described below can be applied to a case where any user uses any terminal device 10 to make a payment at any store. Further, the store identification information may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, etc.

For example, when user U makes a payment for the use or purchase of payment objects (transaction objects) such as various products and services at a store, user U uses a payment application (payment application) installed on the terminal device 10. app). Then, the user U photographs the store identification information installed at the store via the payment application. In such a case, the terminal device 10 displays a screen for inputting the price to be paid, and accepts input of the payment amount from the user U or the store clerk. Then, the terminal device 10 receives the user identification information that identifies the user U, the store identification information (or the information indicated by the store identification information, that is, the information indicating the store (for example, member store ID)), and the payment amount. Payment information indicating this is sent to the payment server 100.

In such a case, the payment server 100 transfers the amount of electronic money indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the store indicated by the store identification information. The payment server 100 then sends a notification to the terminal device 10 that the payment has been completed. In such a case, the terminal device 10 notifies that the payment has been made using electronic money by displaying a screen or outputting a predetermined sound indicating that the payment has been completed.

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

In addition, the payment using the terminal device 10 is not limited to the process of transferring electronic money from the account to which the user U has previously charged electronic money to the store's account. It may be a payment made using In such a case, for example, the terminal device 10 may transfer the electronic money of the payment amount to the store's account and request the payment amount from the company that operates the credit card of the user U.

[1-2. About information processing according to embodiment]
As shown in FIG. 1, the payment server 100 is a prepaid card sales corner within the payment application for making payments (electronic payments) using the terminal device 10 of the user U, and is available to the user U at member stores. When a prepaid card is purchased, a prepaid card that can be used within the payment application is issued (step S1).

Subsequently, when the user U wants to present a prepaid card to another user F, the user U uses the terminal device 10 to provide the prepaid card as a gift through interpersonal remittance (step S2). Note that, on the contrary, user U can also receive a prepaid card as a gift from another user F by personal remittance. That is, prepaid cards can be given as gifts to each other by users. In addition, after purchasing a prepaid card, User U can select the prepaid card that he or she owns within the payment app and press the "Gift" button to send the prepaid card as a gift to another User F. may be provided to Further, when purchasing a prepaid card, user U may purchase the prepaid card with another user F as the recipient of the prepaid card.

Subsequently, the terminal device 10 cooperates with the payment server 100 and notifies the user U of information regarding the prepaid card held in order to prevent forgetting to use the prepaid card (step S3). For example, based on the user U's location information, the terminal device 10 provides a push notification or displays prepaid cards that can be used at stores near the user U's location or within the travel range. At this time, if the user U is within a predetermined range (for example, within a radius of 500 meters) from a store where the user U can use the prepaid card, the terminal device 10 will push or display the prepaid card that can be used at the store. You may. Further, when the user U enters a store where prepaid cards can be used, the terminal device 10 provides a push notification or displays the prepaid cards that can be used at the store. Further, the terminal device 10 may push notification or display prepaid cards that can be used at the store when the user U starts a payment application to perform payment (electronic payment) using the terminal device 10. . For example, the terminal device 10 may push notification or display prepaid cards that can be used at the store when the payment application is started in the store or when the "pay" button of the payment application is pressed.

Subsequently, the terminal device 10 notifies the payment server 100 of information regarding the usage status of the prepaid card held by the user U (step S4). For example, the terminal device 10 purchases and uses a desired transaction object (product, service) at a member store where the prepaid card owned by the user U can be used, and the terminal device 10 is used to make a payment (electronic payment) using a payment app. ), the payment information is notified to the payment server 100 via the network N (see FIG. 6) or the store terminal of the member store. In addition, when the prepaid card held by user U is presented as a gift to another user F, the terminal device 10 notifies the payment server that the prepaid card has been transferred from user U to other user F. Notify 100.

Subsequently, the payment server 100 manages prepaid card information for each user (step S5). Specifically, the payment server 100 manages the remaining amount of the prepaid card for each user. For managing the balance of your prepaid card, see [1-3. Regarding the management of prepaid card balances].

On the other hand, the payment server 100 can manage the balance of not only electronic prepaid cards but also physical prepaid cards ("physical prepaid cards" as appropriate). Specifically, first, the user U uses the terminal device 10 to read card information such as a two-dimensional code printed on the physical prepaid card PC (step S6). Next, the payment server 100 accepts the card information of the physical prepaid card PC (step S7), and transfers the remaining amount (value) of the balance of the physical prepaid card PC to an account or data area that manages the balance dedicated to the prepaid card. (Step S8). Regarding the processing of the physical prepaid card PC, see [1-5. Physical prepaid card processing] for details.

Further, the payment server 100 selects a prepaid card to be used for payment from the payment history such as payment information of user U (step S9). Specifically, if there are multiple prepaid cards that can be used for payment, the payment server 100 automatically selects the prepaid card to be used for payment based on the number of past payments made by user U, the current balance, etc. , and make the payment using the selected prepaid card. For automatic selection of prepaid cards, see [1-6. Regarding automatic selection of prepaid cards].

The payment server 100 also displays a selection screen for using up the remaining amount of the prepaid card (step S10). Specifically, if the balance of the prepaid card used at the time of payment is insufficient, or if the remaining amount of the prepaid card becomes less than a predetermined amount after payment, the payment server 100 will charge the card at the time of payment or perform the payment process. The terminal device 10 of the user U displays selection information on the method for using the remaining amount, the method for using up the remaining amount, or whether or not to throw away the used up prepaid card. For displaying selected information regarding prepaid cards, see [1-7. Regarding display of selection information].

[1-3. Regarding management of prepaid card balance]
Hereinafter, management of the balance of the prepaid card will be explained using FIG. 2. FIG. 2 is an explanatory diagram showing an overview of management of the balance of a prepaid card according to the embodiment.

As shown in FIG. 2, when a user U purchases a prepaid card created for each member store (or receives a present from another person), the terminal device 10 and payment server 100 save the balance for normal electronic payment. Separately, an account or data area is set up to manage the balance exclusively for the prepaid card (limited-use balance). In other words, the balance for normal electronic payments and the balance dedicated to prepaid cards are independent. It is possible to charge the prepaid card balance in the same way as a normal electronic payment balance, and it is also possible to charge from a normal electronic payment balance. Please note that it is not possible to charge a prepaid card balance to a regular electronic payment balance.

Further, a balance dedicated to a prepaid card is set for each prepaid card. That is, the balance dedicated to prepaid cards is independent for each prepaid card. It is not possible to transfer or charge balances between prepaid cards owned by the same user. In other words, balances cannot be exchanged between prepaid cards.

In addition, the balance reserved for prepaid cards can be transferred to other users through person-to-person remittances in the same way as balances for regular electronic payments. For example, if user U presents prepaid card A as a gift to another user F, the entire amount of the balance reserved for user U's prepaid card A will be transferred to other user F. , the entire amount is deposited into the balance reserved for prepaid card A of another user F. Furthermore, when a predetermined amount is remitted from the balance reserved for the prepaid card A of the user U, the predetermined amount is transferred to the balance reserved for the prepaid card A of another user F.

Furthermore, since prepaid cards are created for each member store, the balance dedicated to the prepaid card can also be referred to as the balance dedicated to the member store that created the card. If a prepaid card of the member store that created the product is applied to the purchase of the product, the payment will be made from the balance dedicated to the prepaid card. For example, when a prepaid card A of member store A is applied, payment is made from the balance dedicated to the prepaid card A.

In addition, prepaid cards can be used not only for payments at merchant stores (e.g., flagship stores, directly managed stores, tenant stores, etc.), but also for products sold by merchants at other retail stores (mass retailers, etc.). It can also be used for For example, at a retail store, user U purchases a product from member store A, a product from member store B, and other products, and makes payment (electronic payment) using user U's terminal device 10. If you hold prepaid card A from member store A, you can pay for products at member store A using the balance of prepaid card A, and if you have prepaid card B from member store B, you can pay for the products at member store A using the balance of prepaid card A. Payment for products at store B is made from the balance of prepaid card B. In addition, other products will be paid from the normal electronic payment balance. That is, to pay for a product of a specific brand, payment is made from the balance of the prepaid card corresponding to the brand.

Note that affiliated stores are not limited to branded stores selling apparel, shoes, cosmetics, toys, etc., but may also be retail stores, restaurants, etc. For example, member stores may be retail stores such as convenience stores, supermarkets, drug stores, discount stores, home centers, mass retailers, specialty stores, etc., or restaurants, fast food stores, coffee chain stores, coffee shops, bars, etc. It may be a restaurant. Further, the affiliated store may be a bookstore, a gas station, or the like.

Furthermore, the affiliated store is not limited to a store that handles transactions for which prepaid cards can be used, but may also be a facility where prepaid cards can be used. In reality, these include large commercial facilities (department stores/shopping centers/outlet malls/underground malls), large leisure facilities (theme parks/amusement parks/playgrounds/zoos/aquariums/pools/bathing facilities/parks/gardens/scenic spots), and cultural facilities. (halls/theaters/cinemas/art galleries/museums), sports facilities (playgrounds/baseball fields/tennis courts/gymnasiums/stadiums/indoor pools), accommodation facilities (hotels/inns), public transportation (railroads/ bus/taxi/ship/airline route), railway station, airport, port (boarding area), parking lot, etc. It may also be an educational institution such as a school or a medical institution such as a hospital.

Furthermore, the affiliated store may be a manufacturer that manufactures products. For example, if the products purchased by the user include products manufactured by a member store, the payment server 100 may apply a prepaid card to the payment for the product manufactured by the member store. . Furthermore, the affiliated store may be a business that owns a specific product brand. For example, if a product of a specific product brand is included in the products purchased by the user, the payment server 100 may apply a prepaid card to the payment for the product of the product brand.

In other words, the business types of member stores are wide-ranging as long as they can use prepaid cards.

[1-4. Regarding application of prepaid cards]
The prepaid card application process executed by the payment server 100 will be described below with reference to FIG. FIG. 3 is an explanatory diagram showing an overview of application of the prepaid card according to the embodiment. However, this overview is just an example.

First, in response to an operation from the user U, the terminal device 10 starts a payment application preinstalled on the device itself, and displays a screen for the user U to purchase a prepaid card in the electronic payment service ( Step S11). Subsequently, the terminal device 10 receives a prepaid card purchase operation from the user U (step S12). For example, the terminal device 10 accepts a prepaid card purchase operation on the screen displayed in step S11, and transmits information indicating the prepaid card on which the purchase operation was performed to the payment server 100.

Note that when user U receives a prepaid card as a gift from another user F, the terminal device 10 transmits information indicating the prepaid card received from the other user F to the payment server 100.

Subsequently, the payment server 100 receives information (prepaid card ID) indicating the prepaid card on which the purchase operation was performed (or the prepaid card received from another user) from the terminal device 10 (step S13). Subsequently, the payment server 100 links and manages the user U and the prepaid card (step S14). For example, the payment server 100 manages the user ID of the user U and the prepaid card ID received from the terminal device 10 in a linked manner.

Here, in the example of FIG. 3, the user U wishes to make the above-mentioned payment to the store A by having the business terminal 200 read the user identification information (user ID). shall be. In this case, the business terminal 200 reads the product ID of each product purchased by the user U and the user ID of the user U displayed on the terminal device 10 (step S15). For example, the business terminal 200 reads a barcode (product ID) attached to a product using a barcode reader or the like at the time of checkout, and a user ID displayed on the terminal device 10.

Subsequently, the payment server 100 receives payment information regarding the payment made by the user U to the store A from the business terminal 200 (step S16). For example, the payment server 100 stores the store ID of store A, the product ID read by the business terminal 200 in step S15, the total price of each product linked to the product ID (payment amount), and the user U's Payment information including user ID etc. is received from the business terminal 200.

Subsequently, the payment server 100 identifies a prepaid card applicable to the user U based on the payment information (step S17). For example, the payment server 100 checks the prepaid card information corresponding to the prepaid card that the user U has already obtained (purchased or received from another person) with the payment information, and then checks the prepaid card information that the user U has already obtained. Among the cards, the prepaid card linked to the store ID indicated by the payment information is identified.

Subsequently, the payment server 100 executes payment processing based on the payment information, and performs payment using the specified prepaid card (step S18). For example, the payment server 100 executes a process of transferring electronic money in an amount indicated by the payment amount from the account of the user U to the account of the store A. Then, the payment server 100 performs payment using the specified prepaid card.

Subsequently, the payment server 100 notifies the user U that the prepaid card has been applied (step S19). For example, the payment server 100 causes the terminal device 10 to display a payment completion screen C1 indicating that the payment to store A has been completed, and displays information indicating the prepaid card applied on the payment completion screen C1 and the amount used for the prepaid card. (Payment amount), the balance of the prepaid card, etc. will be notified.

As described above, the payment server 100 according to the embodiment specifies a prepaid card applicable to a member store, and performs payment using the specified prepaid card. Thereby, the payment server 100 according to the embodiment can automatically apply an applicable prepaid card without the user performing an operation to select a prepaid card to be used. That is, the payment server 100 according to the embodiment can improve convenience for users in payment.

(Payment linked prepaid card)
At this time, in steps S17 and S18, the payment server 100 acquires the member store information along with the payment information, and automatically applies a prepaid card that can be used for payment at the member store among the prepaid cards held by the user U. You may. In other words, prepaid cards are automatically applied in conjunction with payment for each store (each member store).

(linked to payment by product)
Further, in steps S17 and S18, the payment server 100 may utilize the product data in cooperation with the member store's POS (Point of Sale System) to automatically apply a prepaid card corresponding to the product data. In this case, in step S17, the payment server 100 checks the payment information with the prepaid card information corresponding to the prepaid card that the user U has already obtained (purchased or received from another person). Among the prepaid cards already obtained, the prepaid card linked to the product ID indicated by the payment information is identified. Actually, a prepaid card linked to a store ID of an affiliated store that is the manufacturer (provider) of the product corresponding to the product ID indicated by the payment information may be specified. In addition, it is possible to specify not only a corporate brand such as a product manufacturer, but also a prepaid card linked to a product brand. In addition, when the user U purchases a plurality of products, it is sufficient that at least one of the plurality of purchased products is eligible for a prepaid card. In other words, prepaid cards are automatically applied in conjunction with payment for each product (for each product).

(Reading the dedicated prepaid card code installed)
Alternatively, in step S15, the user U uses the terminal device 10 to scan the in-store ( A prepaid card may be used when a two-dimensional code for prepaid card payment (prepaid card exclusive code) installed at a cash register, etc. is read.

(Presentation of prepaid card code by user)
In addition, in step S15, the user U displays a prepaid card dedicated code such as a barcode or two-dimensional code for prepaid card payment on the terminal device 10 and presents it to the store clerk, who reads it with the store terminal. In such cases, a prepaid card may be used.

That is, the prepaid card may be used only when the user U actively expresses an intention to use the prepaid card.

Further, the automatic application of the prepaid card described above and the reading of the two-dimensional code for prepaid card payment (prepaid card exclusive code) may be used together (they are compatible). For example, if the two-dimensional code for prepaid card payment is not read, the prepaid card may be automatically applied in conjunction with payment (electronic payment) using the terminal device 10.

(Confirm recharging)
In addition, when the payment server 100 performs payment processing for the product purchased by the user U, if the balance of the prepaid card held by the user U is insufficient, the payment server 100 determines whether or not to recharge the prepaid card. You may check. For example, the payment server 100 inquires of the user U whether to reload the prepaid card or pay by normal electronic payment regarding the insufficient balance of the prepaid card. Further, the prepaid card may be recharged by payment using the terminal device 10 (electronic payment). Furthermore, if the prepaid card is not recharged when the balance is insufficient, the payment server 100 uses the balance for normal electronic payment to pay the shortfall in the balance of the prepaid card. Good too.

Further, confirmation of recharging the prepaid card may be performed at the time of entering the store. At this time, the terminal device 10 may cooperate with the payment server 100 to specify a store based on the location information, and may specify a prepaid card that can be used at the store. For example, when user U enters a store that accepts prepaid cards, if the balance of the prepaid card that can be used at that store is less than a predetermined amount, the terminal device 10 determines whether or not to recharge the prepaid card. Inquire. Alternatively, when the user U starts a payment application to make a payment (electronic payment) using the terminal device 10, the terminal device 10 determines that the balance of the prepaid card that can be used at the store is less than or equal to a predetermined amount. If so, inquire whether to recharge or not.

According to this embodiment, the balance of a prepaid card is managed individually for each card, and is managed independently from the balance for normal electronic payments, so that it can be used for payments at member stores that accept prepaid cards. It is possible to secure an electronic money balance with limited use. In addition, prepaid cards are managed within the payment app and are automatically applied when making a payment using the payment app at a member store that accepts prepaid cards, so there is no need to perform any operations to use the prepaid card. The user's convenience is improved because there is no need to miss out on using the service.

[1-5. Regarding processing of physical prepaid cards]
Below, the processing of the physical prepaid card will be explained in the order of card information reception processing and balance transfer processing.

(Card information reception processing)
First, the user U uses the camera function of the terminal device 10 to read the two-dimensional code (QR code (registered trademark)) printed on the physical prepaid card PC, thereby obtaining the identification information of the physical prepaid card PC. Obtain card identification information (card ID). Note that the card information may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, etc. Further, the user U may read a QR code (registered trademark) or the like using a scanning function attached to the payment application to obtain card identification information.

Subsequently, the payment server 100 receives card identification information of the physical prepaid card PC from the terminal device 10. At this time, the payment server 100 receives a "user ID" which is user identification information for identifying the user U from the terminal device 10. Then, the payment server 100 identifies a management device (management server) that manages the physical prepaid card PC from the card identification information, inquires the identified management server about the card information of the physical prepaid card PC, and acquires the card information. do. Here, the card information includes items such as "affiliated store ID", "card ID", "balance", and "expiration date".

"Affiliate store ID" indicates identification information for identifying a member store that can use the physical prepaid card PC. Note that the affiliated store ID may be identification information for identifying a chain store. Moreover, "card ID" indicates identification information (prepaid card ID) for identifying the physical prepaid card PC held by the user U. In this embodiment, a physical prepaid card PC is issued for each member store. Moreover, "balance" indicates the balance of the account held by the management server linked to the physical prepaid card PC. This balance can only be used to purchase products (or use services) at member stores where the physical prepaid card PC can be used. Moreover, the "expiration date" indicates the expiration date of the physical prepaid card PC held by the user U. For example, the expiration date is indicated by year, month, and day.

(Remaining amount transfer processing)
The payment server 100 performs a process of transferring the balance of the physical prepaid card PC based on the user identification information received from the terminal device 10 and the card information acquired from the management server. First, the payment server 100 deposits the entire amount of the "balance" included in the card information into the prepaid card exclusive account corresponding to the user ID of the user U.

At this time, if the prepaid card dedicated account corresponding to the user ID of user U does not exist, payment server 100 creates a new account and deposits the money. Furthermore, if a prepaid card dedicated account corresponding to the user ID of user U exists, payment server 100 deposits money into the account. Further, if there is a prepaid card dedicated account that corresponds to the user ID of user U and can be used in common regardless of member stores, the payment server 100 deposits money into the account. That is, the payment server 100 may set a dedicated account for each card ID as an account for the physical prepaid card PC, or may set a dedicated account including an electronic prepaid card for each member store ID. , an account that can be commonly used on physical prepaid card PCs may be set regardless of member store ID.

Next, after the above deposit, the payment server 100 transmits a deposit completion notification for the physical prepaid card PC corresponding to the card ID to the management server of the physical prepaid card PC. At this time, the payment server 100 notifies the user to set the remaining amount of the physical prepaid card PC corresponding to the card ID to zero. Further, after the above deposit, the payment server 100 transmits a deposit completion notification for the physical prepaid card PC to the terminal device 10 of the user U.

(others)
The payment server 100 may accept user U's selection when performing the above balance transfer process. For example, the payment server 100 may perform a process of transferring an amount specified by the user U instead of the entire amount to be transferred from the physical prepaid card PC. At this time, the payment server 100 notifies the management server to subtract the transferred amount from the account held by the management server. The payment server 100 also provides, as accounts for the physical prepaid card PC, a dedicated account set for each card ID, a dedicated account set for each member store ID, and an account that can be used in common with the physical prepaid card PC. You may also accept user U's designations such as . Furthermore, the payment server 100 may accept from the user U the designation of a physical prepaid card PC or account to be used at the time of payment, and may perform the payment using the physical prepaid card PC or account specified by the user U.

Furthermore, the payment server 100 may set up a dedicated account to be shared with the management server. In other words, even if the user U uses the physical prepaid card PC to make a payment, the payment server 100 performs the payment using the terminal device 10 from a dedicated account to which a portion of the balance of the physical prepaid card PC is transferred. However, you can also set up a dedicated account that allows you to manage the balance of your physical prepaid card PC.

[1-6. About automatic selection of prepaid cards]
The automatic selection of a prepaid card will be described below in the order of payment history acquisition processing and payment target account selection processing.

(Payment history acquisition process)
The payment server 100 acquires payment information indicating the payment history of the user U from the payment information database 124. Here, the payment information is various information related to payment (electronic payment) using the terminal device 10, including the "user ID", "store ID", "transaction object ID", "unit price", It has items such as "quantity", "card ID", "usage amount", and "payment amount". For payment information, see [4. Configuration example of information processing device] (Payment information database 124) will be described in detail.

Further, the payment server 100 may obtain user information of the user U, history information of the user U, card information of a prepaid card, etc. from various databases as information indicating the payment history of the user U. For example, the payment server 100 can acquire user U's "interest" as user information, user U's "location history" as history information, and "expiration date" as card information.

(Settlement target account selection process)
The payment server 100 selects a prepaid card to be used for the next payment based on the acquired payment information. For example, if multiple electronic prepaid cards (including those transferred from a physical prepaid card PC) are available at a store, the payment server 100 uses them for payment without accepting user U's selection. Select a prepaid card and make the payment using the selected prepaid card. In the following, an example will be described in which electronic prepaid cards that can be used for payment by user U in payment at "store A" are "card A" and "card B."

The payment server 100 selects a card with a large number of payments as a prepaid card to be used for payments. For example, when making payments at "Store A," the number of times that "Card A" has been used for payments in the past year is "5 times," and the number of times that "Card B" has been used for payments in the past year is "3 times." If so, "Card A", which has been used many times, is selected as the prepaid card used for payment at "Store A".

The payment server 100 selects a card with a large total payment amount as a prepaid card to be used for payment. For example, when making payments at "Store A," the total amount of payments made using "Card A" in the past year is "5,000 yen," and the amount of payments made using "Card B" in the past year is "5,000 yen." If the total amount of payment is "10,000", "Card B", which has a large total payment amount, is selected as the prepaid card to be used for payment at "Store A".

The payment server 100 selects the card with which the most recent payment was made as the prepaid card used for payment. For example, when making a payment at "Store A", the last date and time when "Card A" was used for payment is "2021/8/20 10:00", and the last date and time when "Card B" was used for payment is "2021/8/20 10:00". 10/10 13:30," the most recently used "Card B" is selected as the prepaid card used for payment at "Store A."

The payment server 100 selects a card with a large balance as a prepaid card to be used for payment. For example, when making a payment at "Store A," if the remaining amount on "Card A" is "2,000 yen" and the remaining amount on "Card B" is "10,000 yen," then the payment at "Store A" is Select "Card B" with a large balance as the prepaid card to be used.

The payment server 100 selects a card with a near expiration date as a prepaid card to be used for payment. For example, when making a payment at "Store A," if the expiration date of "Card A" is "2022/1/21" and the expiration date of "Card B" is "2022/1/30," then "Store Select "Card A" whose expiration date is early as the prepaid card to be used for payment of "Card A".

(others)
When the payment server 100 performs the above-mentioned payment target account selection process, it may accept a designation from the user U and perform the payment based on the designation. For example, the payment server 100 accepts the designation of "Card A" to be used preferentially by User U at "Store A", and based on the designation, the payment server 100 performs payment using "Card A" at "Store A". It can be carried out. Furthermore, when performing the above-described payment target account selection process, the payment server 100 may receive information on member stores, etc., and perform payment based on the information. For example, the payment server 100 accepts information about "Store A" where the use of "Card B" is eligible for a discount, and based on the information, it is possible to make a payment using "Card B" at "Store A". can.

[1-7. Regarding display of selected information]
Below, the display of selection information for user U will be explained in the order of payment history acquisition processing and selection information display processing.

(Payment history acquisition process)
The payment server 100 acquires payment information indicating the payment history of the user U from the payment information database 124. Here, the payment information is various information related to payment (electronic payment) using the terminal device 10, including the "user ID", "store ID", "transaction object ID", "unit price", It has items such as "quantity", "card ID", "usage amount", and "payment amount". For payment information, see [4. Configuration example of information processing device] (Payment information database 124) will be described in detail.

Further, the payment server 100 may obtain user information of the user U, history information of the user U, card information of a prepaid card, etc. from various databases as information indicating the payment history of the user U. For example, the payment server 100 can acquire user U's "interest" as user information, user U's "location history" as history information, and "expiration date" as card information.

(Selection information display processing)
The payment server 100 displays selection information (candidate information) to be presented to the user U in order to use up the prepaid card, based on the acquired payment information. For example, if the remaining amount of the prepaid card is insufficient for a payment using the terminal device 10, or if the remaining amount of the prepaid card after the payment is less than a predetermined amount, the payment server 100 As candidate information that can be selected by user U, charging at the time of payment, means of payment, means of using up the remaining amount, etc. are displayed on user U's terminal device 10. Further, when the remaining amount of the prepaid card becomes 0, that is, when the prepaid card is used up, the payment server 100 sends candidate information to the terminal device 10 of the user U that allows the user to select whether or not to discard the used up prepaid card. indicate.

Here, candidate information displayed by the payment server 100 will be explained using FIGS. 4 and 5. 4 and 5 are diagrams showing examples of candidate information display screens.

With reference to FIG. 4, a display screen when the remaining amount of the prepaid card is insufficient for payment using the terminal device 10 will be described. As shown in FIG. 4 (1), the display screen of user U's terminal device 10 displays messages such as ``Payment amount: 418 yen Prepaid card balance: 300 yen'' and ``Insufficient balance on prepaid card. What should I do? ?” is displayed.

At this time, the payment server 100 displays candidate information suggesting a payment process to be performed using the balance for payment using the terminal device 10, that is, the balance for normal electronic payment. In the example of FIG. 4(1), a selection button is presented that says "Pay the full amount using the P payment balance." If the user U selects the above-mentioned option, the payment server 100 performs the payment process using the normal electronic payment balance.

Further, the payment server 100 displays candidate information that proposes payment processing to be performed by charging the prepaid card balance from the payment balance using the terminal device 10, that is, from the normal electronic payment balance. In the example of FIG. 4(1), a selection button is presented that says "Settle the shortfall using the P payment balance." If the user U selects the above-mentioned option, the payment server 100 transfers the balance for normal electronic payment to the balance of the prepaid card, and then performs payment processing using the terminal device 10.

In addition, if the total amount of the balance for normal electronic payment and the balance of the prepaid card is insufficient for the payment amount, the payment server 100 charges any of the above balances and processes the payment. It is also possible to display candidate information for selecting one. When the user U selects the above-mentioned option, the payment server 100 charges the balance selected by the user U, and then performs payment processing using the terminal device 10.

Furthermore, as shown in FIG. 4(1), the payment server 100 may present a selection button displaying "Charge to prepaid card" as candidate information when you wish to use the prepaid card further after it has been used up. good. If the user U selects the above-mentioned option, the payment server 100 charges the balance of the prepaid card and then performs payment processing using the terminal device 10. Furthermore, as shown in FIG. 4(1), the payment server 100 may present a selection button displaying "Cancel payment" as candidate information when payment processing is not performed. The payment server 100 does not perform payment processing using the terminal device 10 when the user U selects the above response.

On the other hand, as shown in FIG. 4 (2), the payment server 100 provides candidate information when the prepaid card is used up, such as "The balance of the prepaid card has become 0. Do you want to throw away this prepaid card?" and presents buttons for the user U to select "Yes" or "No". If the user U selects "Yes", the payment server 100 deletes the prepaid card account.

A display screen when the remaining amount of the prepaid card after payment using the terminal device 10 becomes less than or equal to a predetermined amount will be described with reference to FIG. 5. As shown in FIG. 5(1), the payment server 100 displays "Payment amount: 418 yen Prepaid card balance: 82 yen", "Payment completed", and "Prepaid" on the display screen of the terminal device 10 of user U. "Your card balance is low. What do you want to do?" is displayed.

At this time, the payment server 100 displays candidate information to be presented to the user U in order to use up the prepaid card. In the example of FIG. 5(1), the payment server 100 presents a selection button labeled "Use up prepaid card." When the user U selects the above-mentioned action, the payment server 100 displays the display screen of FIG. 5(2) showing the action to use up the prepaid card.

For example, the payment server 100 displays candidate information that suggests to the user U products and services that can be purchased at a store. In the example shown in FIG. 5(2), the payment server 100 presents a selection button displaying "Search for items that can be purchased at this store." If the user U selects the above response, the payment server 100 displays a list of products and services that can be purchased at the store for less than 82 yen, and makes payment for the product or service selected by the user U. Perform processing.

In addition, the payment server 100 displays candidate information that proposes payment processing to be performed by charging the balance of the prepaid card to the balance for normal electronic payment. In the example of FIG. 5(2), the payment server 100 presents a selection button labeled "Move to P Wallet". If the user U selects the above-mentioned option, the payment server 100 transfers the balance of the prepaid card to the balance for normal electronic payment, and then performs payment processing using the terminal device 10. Note that the payment server 100 may perform control such that the balance for normal electronic payment, which is not limited to any purpose, can be charged only when the remaining amount of the prepaid card becomes less than or equal to a predetermined amount.

Furthermore, the payment server 100 displays candidate information suggesting donation of the balance of the prepaid card. In the example of FIG. 5(2), the payment server 100 presents a selection button labeled "Donate." When the user U selects the above response, the payment server 100 displays a list of donation destinations and makes a donation to the donation destination selected by the user U.

On the other hand, if the prepaid card is used up by the above-mentioned measures, the payment server 100 displays candidate information for selecting whether to discard the prepaid card as shown in FIG. 4(2). If the user U chooses to discard the prepaid card, the payment server 100 deletes the account of the prepaid card.

Furthermore, as shown in FIG. 5(1), the payment server 100 may present a selection button displaying "Charge to prepaid card" as candidate information when the user wants to further use the prepaid card. The payment server 100 charges the balance of the prepaid card when the user U selects the above response. Furthermore, as shown in FIG. 5(1), the payment server 100 may present a selection button displaying "Do nothing for now" as candidate information when not taking steps to use up the prepaid card. good. If the user U selects the above response, the payment server 100 terminates the payment process without taking any action.

[2. Configuration example of information processing system]
Next, the configuration of the information processing system 1 including the payment server 100 according to the embodiment will be described using FIG. 6. FIG. 6 is a diagram illustrating a configuration example of the information processing system 1 according to the embodiment. As shown in FIG. 6, the information processing system 1 according to the embodiment includes a terminal device 10 and a payment server 100. These various devices are connected via a network N so that they can communicate by wire or wirelessly. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

Furthermore, the number of devices included in the information processing system 1 shown in FIG. 6 is not limited to what is illustrated. For example, in FIG. 6, only one terminal device 10 is shown to simplify the illustration, but this is just an example and is not limited, and there may be two or more terminal devices.

The terminal device 10 is an information processing device used by the user U. For example, the terminal device 10 may be a smart device such as a smartphone or a tablet terminal, a feature phone, a PC (Personal Computer), a PDA (Personal Digital Assistant), a game console with a communication function, a car navigation system, a smart watch, or a head-mounted display. wearable devices, smart glasses, etc.

The terminal device 10 also supports wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation), Bluetooth (registered trademark), and wireless LAN (Local The payment server 100 can be connected to the network N via short-range wireless communication such as a network (Area Network), and can communicate with the payment server 100.

Further, the terminal device 10 may be a store terminal of a member store, a terminal device used by a clerk (employee) of the member store, or the like. That is, a store terminal of a member store or a terminal device used by a clerk of the member store may be a device similar to the terminal device 10 described above.

The payment server 100 is, for example, a PC, a server device, a mainframe, a workstation, or the like. Note that the payment server 100 may be realized by cloud computing.

[3. Configuration example of terminal device]
Next, the configuration of the terminal device 10 will be explained using FIG. 7. FIG. 7 is a diagram showing an example of the configuration of the terminal device 10. As shown in FIG. As shown in FIG. 7, the terminal device 10 includes a communication section 11, a display section 12, an input section 13, a positioning section 14, a sensor section 20, a control section 30 (controller), and a storage section 40. Be prepared.

(Communication Department 11)
The communication unit 11 is connected to a network N (see FIG. 6) by wire or wirelessly, and transmits and receives information to and from the payment server 100 via the network N. For example, the communication unit 11 is realized by a NIC (Network Interface Card), an antenna, or the like.

(Display section 12)
The display unit 12 is a display device that displays various information such as position information. For example, the display unit 12 is a liquid crystal display (LCD) or an organic electro-luminescent display (EL display). Further, the display unit 12 is a touch panel type display, but is not limited to this.

(Input section 13)
The input unit 13 is an input device that receives various operations from the user U. Furthermore, the input unit 13 includes, for example, buttons for inputting characters, numbers, and the like. Further, when the display section 12 is a touch panel display, a part of the display section 12 functions as the input section 13. Note that the input unit 13 may be a microphone or the like that receives voice input from the user U. The microphone may be wireless.

(Positioning unit 14)
The positioning unit 14 receives a signal (radio wave) sent from a GPS (Global Positioning System) satellite, and based on the received signal, determines position information (for example, latitude and longitude). That is, the positioning unit 14 positions the terminal device 10 . Note that GPS is just one example of GNSS (Global Navigation Satellite System).

Further, the positioning unit 14 can measure the position using various methods other than GPS. For example, the positioning unit 14 may use various communication functions of the terminal device 10 to measure the position as an auxiliary positioning means for position correction and the like, as described below.

(Wi-Fi positioning)
For example, the positioning unit 14 positions the terminal device 10 using the Wi-Fi (registered trademark) communication function of the terminal device 10 or the communication network provided by each communication company. Specifically, the positioning unit 14 performs Wi-Fi communication, etc., and determines the position of the terminal device 10 by measuring the distance to nearby base stations and access points.

(Beacon positioning)
Further, the positioning unit 14 may use the Bluetooth (registered trademark) function of the terminal device 10 to measure the position. For example, the positioning unit 14 measures the position of the terminal device 10 by connecting to a beacon transmitter connected by a Bluetooth (registered trademark) function.

(geomagnetic positioning)
Furthermore, the positioning unit 14 positions the terminal device 10 based on the geomagnetic pattern of the structure measured in advance and the geomagnetic sensor included in the terminal device 10 .

(RFID positioning)
Further, for example, if the terminal device 10 has an RFID (Radio Frequency Identification) tag function equivalent to a contactless IC card used at station ticket gates, stores, etc., or has a function to read an RFID tag. In this case, the location where the terminal device 10 used the terminal device 10 is recorded together with the information that the payment was made. The positioning unit 14 may measure the position of the terminal device 10 by acquiring such information. Further, the position may be determined by an optical sensor, an infrared sensor, or the like provided in the terminal device 10.

The positioning unit 14 may position the terminal device 10 using one or a combination of the above-mentioned positioning means, if necessary.

(sensor section 20)
The sensor unit 20 includes various sensors mounted on or connected to the terminal device 10. Note that the connection may be a wired connection or a wireless connection. For example, the sensors may be a detection device other than the terminal device 10, such as a wearable device or a wireless device. In the example shown in FIG. 7, the sensor unit 20 includes an acceleration sensor 21, a gyro sensor 22, an atmospheric pressure sensor 23, an air temperature sensor 24, a sound sensor 25, an optical sensor 26, a magnetic sensor 27, and an image sensor ( camera) 28.

Note that each of the sensors 21 to 28 described above is merely an example and is not limited to the above. That is, the sensor section 20 may be configured to include a portion of each of the sensors 21 to 28, or may include other sensors such as a humidity sensor in addition to or instead of each of the sensors 21 to 28. .

The acceleration sensor 21 is, for example, a three-axis acceleration sensor, and detects the physical movement of the terminal device 10, such as the moving direction, speed, and acceleration of the terminal device 10. The gyro sensor 22 detects physical movements of the terminal device 10 such as tilt in three axes directions based on the angular velocity of the terminal device 10 and the like. The atmospheric pressure sensor 23 detects the atmospheric pressure around the terminal device 10, for example.

Since the terminal device 10 is equipped with the above-mentioned acceleration sensor 21, gyro sensor 22, atmospheric pressure sensor 23, etc., it is possible to implement technologies such as pedestrian autonomous navigation (PDR) using these sensors 21 to 23, etc. It becomes possible to measure the position of the terminal device 10 using the . This makes it possible to obtain indoor position information that is difficult to obtain using positioning systems such as GPS.

For example, a pedometer using the acceleration sensor 21 can calculate the number of steps, walking speed, and distance walked. Furthermore, by using the gyro sensor 22, it is possible to know the direction of travel of the user U, the direction of the line of sight, and the inclination of the user's body. Further, from the atmospheric pressure detected by the atmospheric pressure sensor 23, it is also possible to know the altitude and the number of floors where the terminal device 10 of the user U is located.

The temperature sensor 24 detects, for example, the temperature around the terminal device 10. The sound sensor 25 detects, for example, sounds around the terminal device 10. The optical sensor 26 detects the illuminance around the terminal device 10 . The magnetic sensor 27 detects, for example, the earth's magnetism around the terminal device 10. The image sensor 28 captures an image of the surroundings of the terminal device 10.

The above-mentioned atmospheric pressure sensor 23, temperature sensor 24, sound sensor 25, optical sensor 26, and image sensor 28 each detect atmospheric pressure, temperature, sound, and illuminance, and capture images of the surroundings, so that the terminal device 10 It is possible to detect the surrounding environment and situation. Furthermore, it is possible to improve the accuracy of the location information of the terminal device 10 based on the environment and situation around the terminal device 10.

(Control unit 30)
The control unit 30 includes, for example, a microcomputer having a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM, an input/output port, etc., and various circuits. Further, the control unit 30 may be configured with hardware such as an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control section 30 includes a transmitting section 31, a receiving section 32, and a processing section 33.

(Transmission unit 31)
The transmitting unit 31 receives, for example, various information input by the user U using the input unit 13, various information detected by the sensors 21 to 28 mounted on or connected to the terminal device 10, and information measured by the positioning unit 14. The location information of the terminal device 10 and the like can be transmitted to the payment server 100 via the communication unit 11.

(Receiving unit 32)
The receiving unit 32 can receive various information provided from the payment server 100 and requests for various information from the payment server 100 via the communication unit 11 .

(Processing unit 33)
The processing unit 33 controls the entire terminal device 10, including the display unit 12 and the like. For example, the processing unit 33 can output various information transmitted by the transmitting unit 31 and various information received from the payment server 100 by the receiving unit 32 to the display unit 12 for display.

(Reading unit 34)
The reading unit 34 has a camera function and reads various information. For example, the reading unit 34 reads card information such as a two-dimensional code printed on the physical prepaid card PC based on the user U's operation.

(Storage unit 40)
The storage unit 40 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as an HDD (Hard Disk Drive), an SSD (Solid State Drive), or an optical disk. Ru. The storage unit 40 stores various programs, various data, and the like.

[4. Configuration example of information processing device]
Next, the configuration of the payment server 100 according to the embodiment will be described using FIG. 8. FIG. 8 is a diagram showing a configuration example of the payment server 100 according to the embodiment. As shown in FIG. 8, payment server 100 includes a communication section 110, a storage section 120, and a control section 130.

(Communication Department 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). Further, the communication unit 110 is connected to the network N (see FIG. 6) by wire or wirelessly.

(Storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element 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. 8, the storage unit 120 includes a user information database 121, a history information database 122, a card information database 123, and a payment information database 124.

(User information database 121)
The user information database 121 stores various information regarding the user U. For example, the user information database 121 stores various information such as user U's attributes. FIG. 9 is a diagram showing an example of the user information database 121. In the example shown in FIG. 9, the user information database 121 includes items such as "user ID (identifier),""age,""gender,""home,""worklocation," and "interest."

“User ID” indicates identification information for identifying user U. Moreover, "age" indicates the age of the user U identified by the user ID. Note that the "age" may be a specific age of the user U identified by the user ID, such as 35 years old. Furthermore, “gender” indicates the gender of the user U identified by the user ID.

Moreover, "home" indicates the location information of the home of the user U identified by the user ID. In the example shown in FIG. 9, "home" is illustrated as an abstract code such as "LC11", but it may also be latitude and longitude information. Furthermore, for example, "home" may be a region name or address.

Moreover, "work place" indicates the location information of the work place (school in the case of a student) of the user U identified by the user ID. In the example shown in FIG. 9, the "work location" is illustrated as an abstract code such as "LC12," but it may also be latitude and longitude information. Further, for example, the "work location" may be a region name or address.

Moreover, "interest" indicates the interest of the user U identified by the user ID. That is, "interest" indicates an object in which the user U identified by the user ID has a high interest. For example, "interest" may be a search query (keyword) that the user U inputs into a search engine. In the example shown in FIG. 9, one "interest" is shown for each user U, but there may be a plurality of "interests".

For example, in the example shown in FIG. 9, the age of the user U identified by the user ID "U1" is "20s", and the gender is "male". Further, for example, the user U identified by the user ID "U1" indicates that his home is "LC11". Further, for example, the user U identified by the user ID "U1" indicates that the work location is "LC12". Further, for example, the user U identified by the user ID "U1" indicates that he is interested in "sports."

Here, in the example shown in FIG. 9, abstract values such as "U1", "LC11", and "LC12" are used for illustration, but "U1", "LC11", and "LC12" have specific values. It is assumed that information such as character strings and numerical values is stored. Below, abstract values may be illustrated in diagrams related to other information as well.

Note that the user information database 121 is not limited to the above, and may store various information depending on the purpose. For example, the user information database 121 may store various information regarding the terminal device 10 of the user U. In addition, the user information database 121 includes information such as demographic (demographic attributes), psychographic (psychological attributes), geographic (geographical attributes), behavioral (behavioral attributes), etc. of user U. Information regarding attributes may also be stored. For example, the user information database 121 includes name, family composition, place of birth (locality), occupation, position, income, qualifications, type of residence (single-family house, condominium, etc.), presence or absence of a car, commuting/commuting time, commuting/commuting, etc. Memorizes information such as routes, commuter pass sections (stations, lines, etc.), frequently used stations (other than the stations closest to your home or work), lessons (location, time zone, etc.), hobbies, interests, lifestyle, etc. It's okay.

(History information database 122)
The history information database 122 stores various information related to history information (log data) indicating the actions of the user U. FIG. 10 is a diagram showing an example of the history information database 122. In the example shown in FIG. 10, the history information database 122 has items such as "user ID", "location history", "search history", "browsing history", "purchase history", and "posting history".

“User ID” indicates identification information for identifying user U. Further, “position history” indicates a position history that is a history of the user U's position and movement. Further, “search history” indicates a search history that is a history of search queries input by the user U. In addition, “browsing history” indicates a browsing history that is a history of contents that the user U has viewed. Further, “purchase history” indicates a purchase history that is a history of purchases by user U. Moreover, "posting history" indicates a posting history that is a history of postings by user U. Note that the "posting history" may include questions regarding user U's belongings.

For example, in the example shown in FIG. 10, user U identified by user ID "U1" moves as per "location history #1", searches as per "search history #1", and searches as per "view history #1". This indicates that the content was viewed according to "history #1", a predetermined product, etc. was purchased at a predetermined store etc. according to "purchase history #1", and the content was posted according to "posting history".

Here, in the example shown in FIG. 10, abstracts such as "U1", "location history #1", "search history #1", "browsing history #1", "purchase history #1" and "posting history #1" are used. Although the figures are shown using typical values, "U1", "location history #1", "search history #1", "browsing history #1", "purchase history #1" and "posting history #1" are It is assumed that information such as specific character strings and numerical values is stored.

Note that the history information database 122 is not limited to the above, and may store various information depending on the purpose. For example, the history information database 122 may store the user U's usage history of a predetermined service. Further, the history information database 122 may store the user U's visit history to a physical store, visit history to a facility, or the like. Further, the history information database 122 may store the payment history of user U's electronic payment.

(Card information database 123)
The card information database 123 stores various information regarding prepaid cards. FIG. 11 is a diagram showing an example of the card information database 123. In the example shown in FIG. 11, the card information database 123 includes information such as "user ID,""member store ID,""cardID,""accountID,""balance,""maximumamount," and "expiration date." Has items.

"User ID" indicates identification information for identifying the user U who purchased the prepaid card. Further, "affiliated store ID" indicates identification information for identifying a member store where the prepaid card can be used. Note that the affiliated store ID may be identification information for identifying a chain store. Moreover, "card ID" indicates identification information (prepaid card ID) for identifying the prepaid card held by user U. In this embodiment, a prepaid card is issued for each member store. Further, "account ID" indicates identification information for identifying an account linked to a prepaid card. Note that the account ID may be identification information for identifying an account common to a plurality of prepaid cards. Further, "balance" indicates the balance of the account linked to the prepaid card. This balance can only be used to purchase products (or use services) at participating stores where prepaid cards can be used. Further, the "upper limit amount" indicates the upper limit amount to be charged to the account linked to the prepaid card. In addition, the upper limit amount may be the upper limit amount that the user U himself/herself sets as the usage limit per day or month. Moreover, the "expiration date" indicates the expiration date of the prepaid card held by the user U. For example, the expiration date is indicated by year, month, and day.

For example, in the example shown in FIG. 11, the user U identified by the user ID "U1" uses the card ID "Card #A" that can be used with the brand identified by the member store ID "Store #A". Indicates possession of the identified card. In addition, this card is linked to the account ID "Account #A", the balance is "2,000 yen", the upper limit is "200,000 yen", and the expiration date is "2021/1/21". Indicates that it is valid until

Here, in the example shown in FIG. 11, abstract values such as "U1", "store #A", "card #A", and "account #A" are used for illustration, but "U1", "store # A,” “Card #A,” and “Account #A” store information such as specific character strings and numerical values.

Note that the card information database 123 is not limited to the above, and may store various information depending on the purpose. For example, the card information database 123 may store the usage history of the user U's prepaid card. Further, the card information database 123 may store information regarding prepaid cards that the user U has purchased so far (in the past) (eg, prepaid card purchase history). The card information database 123 may also store information regarding benefits (bonuses, premiums, etc.) depending on the frequency of use, number of purchases, etc. of the user U's prepaid card.

(Payment information database 124)
The payment information database 124 stores various information regarding payments (electronic payments) using the terminal device 10. FIG. 12 is a diagram showing an example of the payment information database 124. In the example shown in FIG. 12, the payment information database 124 includes "user ID", "store ID", "transaction object ID", "unit price", "quantity", "card ID", "usage amount", " It has items such as "settlement amount".

“User ID” indicates identification information for identifying the user U who used a prepaid card in payment (electronic payment) using the terminal device 10. Further, the "store ID" indicates identification information for identifying the member store (store) where the prepaid card was used in payment using the terminal device 10 (electronic payment). Note that the store ID may be identification information for identifying a chain store. Further, the "transaction object ID" indicates identification information for identifying a transaction object such as a product or service that is a target of a prepaid card in payment using the terminal device 10 (electronic payment). Moreover, the "unit price" indicates the unit price of a transaction object such as a product or service that is an object of a prepaid card. Further, the "quantity" indicates the quantity of the transaction object such as the product or service that is the object of the prepaid card. That is, the quantity indicates the number of products covered by the prepaid card (the number of purchases), the number of times the service is used, and the like.

Moreover, "card ID" indicates identification information for identifying the prepaid card used by user U. Further, the “amount spent” indicates the amount used for the prepaid card in payment using the terminal device 10 (electronic payment). For example, if the balance of the prepaid card is greater than the total amount of transaction objects to be settled, the amount used will be the same as the total amount of transaction objects. Further, if the balance of the prepaid card is less than the total amount of the transactions to be settled, the amount used will be the entire balance of the prepaid card. Furthermore, for the shortfall, the user may be able to choose between recharging the prepaid card or paying by regular electronic payment. Furthermore, the "payment amount" indicates the payment amount after using the prepaid card. For transactions for which a prepaid card can be used, the transaction fee will be free (0 yen) by using a prepaid card.

For example, in the example shown in FIG. 12, the user U identified by the user ID "U1" is identified by the transaction object ID "transaction object #A1" at the store identified by the store ID "store #A". This indicates that the transaction object was purchased in a quantity of "1" at a unit price of "1,200 yen". In addition, the above user U uses the prepaid card identified by the card ID "Card #A" for the above transaction object for a usage amount of "1,200 yen", and the payment amount is "0" yen. Indicates that

Here, in the example shown in FIG. 12, abstract values such as "U1", "store #A", "transaction target #A1", and "card #A" are used for illustration, but "U1", "store #A,” “Transaction object #A1,” and “Card #A” store information such as specific character strings and numerical values.

Note that the payment information database 124 is not limited to the above, and may store various information depending on the purpose. For example, the payment information database 124 may store identification information for identifying payment means such as payment using the terminal device 10 (electronic payment) and payment providers.

Furthermore, the history information database 122, the card information database 123, and the payment information database 124 may be linked with the user information database 121, or may be integrated. For example, the user information database 121, history information database 122, card information database 123, and payment information database 124 may be relational databases (RDBs).

(Control unit 130)
Returning to FIG. 8, the explanation will be continued. The control unit 130 is a controller, and controls the payment server 100 using, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), or an FPGA (Field Programmable Gate Array). This is realized by executing various programs (corresponding to an example of an information processing program) stored in an internal storage device using a storage area such as a RAM as a work area. In the example shown in FIG. 8, the control unit 130 includes an acquisition unit 131, an issuing unit 132, a setting unit 133, a management unit 134, a payment processing unit 135, an estimating unit 136, a providing unit 137, and a receiving unit. 138, a transfer section 139, a selection section 140, and a display section 141.

(Acquisition unit 131)
The acquisition unit 131 acquires various information regarding the user U via the communication unit 110. For example, the acquisition unit 131 acquires location information of the user U, attribute information of the user U, etc. based on information indicating the user U who uses the payment application (user ID, etc.). The acquisition unit 131 then registers it in the user information database 121 of the storage unit 120.

Further, the acquisition unit 131 acquires various types of history information (log data) indicating the behavior of the user U via the communication unit 110. The acquisition unit 131 then registers it in the history information database 122 of the storage unit 120.

Further, the acquisition unit 131 acquires, via the communication unit 110, the payment history of the balance used for the payment when the payment is made using the terminal device 10. In addition, the acquisition unit 131 acquires, via the communication unit 110, the payment history of a plurality of balances available to the user U who uses the terminal device 10, when a payment is made using the terminal device 10. For example, the acquisition unit 131 acquires payment information, user information, history information, card information, etc. as information indicating payment history.

Further, the acquisition unit 131 receives a prepaid card purchase request (issuance request), charge request, and provision request (gift request) from the user U via the communication unit 110. For example, if the user U performs an operation to purchase a prepaid card for a desired transaction object (product, service) at a desired store at a prepaid card sales corner within a payment application, the acquisition unit 131 may purchase a prepaid card. Accept as a request. Furthermore, when the user U specifies an amount and performs an operation to charge the balance of the prepaid card within the payment application, the acquisition unit 131 charges the balance of the prepaid card with the amount specified by the user U. . In addition, if the user U specifies someone other than himself or herself as the receiver when purchasing a prepaid card within the payment application, or performs an operation to transfer the prepaid card to another person after purchasing the prepaid card, the acquisition unit 131 may receive the prepaid card. Accepted as a card provision request (gift request). That is, the acquisition unit 131 also functions as a reception unit that receives a purchase request (issuance request), charge request, and provision request (gift request) for a prepaid card.

(Publishing Department 132)
The issuing unit 132 issues a prepaid card in response to a prepaid card purchase request (issuance request) from the user U. For example, the issuing unit 132 issues a prepaid card to the user U at a prepaid card sales corner within the payment application. At this time, the issuing unit 132 issues a prepaid card that is linked to payment using the terminal device 10 (electronic payment). From another perspective, the issuing unit 132 issues a prepaid card that can be used for payment (electronic payment) using the terminal device 10. Further, the issuing unit 132 issues a prepaid card for each member store. For example, the issuing unit 132 issues prepaid cards for each corporate brand. Further, the issuing unit 132 may issue prepaid cards for each product brand.

(Setting section 133)
The setting unit 133 sets a usage-limited balance (prepaid card balance), which has a limited usage, as a balance that can be used for payment using a terminal device, in addition to a normal balance (settlement balance), which has no usage limitations. At this time, the setting unit 133 sets a usage-limited balance for each usage. Further, the setting unit 133 sets a limited-use balance for each member store of the payment service. Further, the setting unit 133 sets a usage-limited balance for each user U.

Further, the setting unit 133 sets a balance dedicated to the prepaid card when the prepaid card is issued. Since prepaid cards are issued for each member store, it can be said that the setting unit 133 sets a balance limited to each member store. For example, if a prepaid card is issued for each corporate brand, the setting unit 133 sets a balance limited to the corporate brand. Furthermore, if a prepaid card is issued for each product brand, the setting unit 133 may set a balance specific to the product brand.

Note that the setting section 133 may cooperate with the issuing section 132 or the managing section 134, or may be integrated with the issuing section 132 or the managing section 134. That is, the setting section 133 may be part of the functions of the issuing section 132 or the managing section 134. For example, the issuing unit 132 may set a balance exclusively for the prepaid card when the prepaid card is issued. Furthermore, when starting management of the prepaid card, the management unit 134 may set a balance dedicated to the prepaid card.

(Management Department 134)
The management unit 134 separately manages a normal balance that does not limit usage and a usage-limited balance as balances that can be used for payment using a terminal device. At this time, the management unit 134 individually manages the usage-limited balances set for each usage. Furthermore, the management unit 134 individually manages limited-use balances set for each member store. For example, the management unit 134 individually manages corporate brand-limited balances set for each corporate brand. Furthermore, the management unit 134 individually manages product brand-limited balances set for each product brand. Furthermore, the management unit 134 individually manages the limited-use balance set for each user U.

In addition, when user U uses the interpersonal remittance function to remit a predetermined amount from user U's restricted balance to another user F, the management unit 134 transfers the remitted amount to user U. The limited-use balance of the other user F is transferred to the corresponding limited-use balance of the user F.

In addition, the management unit 134 manages the limited-use balance and the prepaid card in a linked manner, and when the user U transfers the prepaid card to another user F, the full amount of the limited-use balance linked to the prepaid card is is transferred from the limited-use balance of user U to the limited-use balance of another user F.

Furthermore, the management unit 134 manages the prepaid card held by the user U. For example, the management unit 134 manages the prepaid card issued to the user U by the issuing unit 132. Furthermore, the management unit 134 manages the balance of the prepaid card (limited-use balance). At this time, the management unit 134 separately manages the balance of the payment using the terminal device 10 (electronic payment) and the balance of the prepaid card. That is, the management unit 134 separately manages the balance for normal electronic payment and the balance for payment by prepaid card. Furthermore, the management unit 134 individually manages the balance of the prepaid card for each member store. That is, the management unit 134 individually manages the balance for each prepaid card.

Furthermore, when the payment processing unit 135 performs payment processing, the management unit 134 determines whether a prepaid card is applied to the transaction object to be paid. That is, the management unit 134 works in conjunction with the payment processing unit 135 to apply the prepaid card to the transaction object to be settled. Note that, in reality, the payment processing unit 135 may interlock and cooperate with the management unit 134 to apply a prepaid card to the transaction object to be settled. Furthermore, the management unit 134 manages the balance of the prepaid card when a prepaid card is applied to a transaction subject to payment. The management unit 134 also manages the expiration date of the prepaid card.

In addition, when the user U of the terminal device 10 transfers the prepaid card held by the user U to another user by using the interpersonal remittance function of the payment application, the management unit 134 controls whether the prepaid card owner is changed from user U to another user, and the balance of the prepaid card is transferred from user U to the other user. That is, when user U presents a prepaid card to another user, the management unit 134 remits the balance of the prepaid card from user U's account to the other user's account. In reality, the management unit 134 may transfer the account itself linked to the prepaid card from user U to another user. Note that in the above description, user U and other users may be interchanged. In addition, when user U is transferred a prepaid card from another user, if user U already owns the same prepaid card as the transferred prepaid card, the management unit 134 will change the balance of the prepaid card to the user U. , the balance of the transferred prepaid card may be added. Alternatively, the balance of the prepaid card already held and the balance of the transferred prepaid card may be managed separately.

(Payment processing unit 135)
The payment processing unit 135 performs payment processing when the user U uses the payment application to make a payment (electronic payment) using the terminal device 10 . For example, the payment processing unit 135 performs payment processing by remitting electronic money from the user U's account to the member store's account in accordance with a payment request from the user U.

In the present embodiment, the payment processing unit 135 uses the payment application to make a payment (electronic payment) using the terminal device 10 when the user U purchases and uses a transaction object (product, service) at a store where a prepaid card can be used. When a payment is made, a prepaid card is applied to process the payment. That is, when making a payment at a member store, the payment processing unit 135 performs the payment processing using the balance of the prepaid card corresponding to the member store.

At this time, the payment processing unit 135 acquires store information indicating the store at the time of payment using the terminal device 10, and automatically applies a prepaid card that can be used at the store among the prepaid cards held by the user U. do.

Alternatively, when a prepaid card is used by the user U when a payment (electronic payment) is performed using the payment processing unit 135 and the terminal device 10, the payment processing is performed using the prepaid card. For example, the payment processing unit 135 applies a prepaid card when the terminal device 10 reads a prepaid card dedicated code for using a prepaid card installed at a store when making a payment using the terminal device 10. payment processing. Alternatively, the payment processing unit 135 applies the prepaid card when a prepaid card dedicated code for using the prepaid card displayed on the terminal device 10 is read by the store terminal at the time of payment using the terminal device 10. to process the payment.

Furthermore, when making a payment at a member store, if the balance of the prepaid card corresponding to the member store is insufficient, the payment processing unit 135 charges the balance of the prepaid card from the balance for payment using the terminal device 10. Perform payment processing. Alternatively, when making a payment at a member store, if the balance of the prepaid card corresponding to the member store is insufficient, the payment processing unit 135 performs the payment processing using the balance for payment using the terminal device 10. In addition, if the balance of the prepaid card is insufficient, the payment processing unit 135 will either pay the shortfall through recharging or normal electronic payment, or will inquire of user U and, when permission is obtained, recharging or normal electronic payment. Electronic payment may be performed, or automatic recharging or normal electronic payment may be performed.

That is, when the payment processing unit 135 makes a payment for a usage and the limited usage balance is insufficient, the payment processing unit 135 performs the payment process by charging the usage limited balance from the normal balance. Alternatively, the payment processing unit 135 performs payment processing using the normal balance if the usage-limited balance is insufficient at the time of payment for the usage.

Further, the payment processing unit 135 executes processing corresponding to the candidate information displayed by the display unit 141 and selected by the user U. For example, if the prepaid card balance is insufficient for the payment, the payment processing unit 135 charges the prepaid card balance from the payment balance using the terminal device 10 based on the user U's designation. Perform payment processing. Further, if the prepaid card balance value is insufficient for the payment, the payment processing unit 135 performs the payment processing using the payment balance using the terminal device 10 based on the specification of the user U. . In addition, if the total value of the prepaid card balance and the payment balance is insufficient for the payment, the payment processing unit 135 changes the prepaid card balance or the payment balance based on the user U's designation. Charge and process payment.

In addition, when the value of the prepaid card balance after payment becomes less than or equal to a predetermined threshold, the payment processing unit 135 transfers the value of the prepaid card balance to the payment balance based on the user U's designation. Furthermore, if the value of the prepaid card balance after the payment is below a predetermined threshold, the payment processing unit 135 purchases the transaction object with the value of the prepaid card balance based on the user U's designation, and performs the payment processing. conduct. Further, the payment processing unit 135 donates the value of the prepaid card balance based on the user U's designation when the value of the prepaid card balance after payment becomes less than or equal to a predetermined threshold. Furthermore, when the balance of the prepaid card balance becomes 0, the payment processing unit 135 discards the prepaid card balance based on the user U's designation.

(Estimation unit 136)
The estimation unit 136 estimates a prepaid card suitable for the user U based on user U's attribute information and various history information. For example, the estimating unit 136 creates a prepaid card estimation model (learned model) that outputs information indicating a prepaid card suitable for the user U when user U's attribute information and history information are input. Then, the estimation unit 136 inputs the attribute information and various history information of the user U into the prepaid card estimation model, and estimates a prepaid card suitable for the user U based on the output information.

For example, the estimation unit 136 creates a learned model for estimating a prepaid card suitable for the user U by machine learning using RNN (Recurrent Neural Network), LSTM (Long short-term memory), or the like. Note that any type and format of the model can be employed. For example, the estimation unit 136 may employ SVM (Support Vector Machine) or DNN (Deep Neural Network) as a model. Here, the DNN may be a CNN (Convolutional Neural Network) or an RNN. Further, the model may be a model realized by combining a plurality of models, such as a model combining CNN and RNN.

Note that the RNN and LSTM may be neural networks based on an attention mechanism. Further, the estimation unit 136 may use a similar natural language processing model. Data mining and other machine learning algorithms may also be used. The estimation unit 136 can perform model learning using the various learning methods described above.

(Providing Department 137)
The providing unit 137 provides information regarding a prepaid card suitable for the user U to the terminal device 10 of the user U via the communication unit 110. For example, the prepaid card suitable for the user U estimated by the estimating unit 136 is preferentially posted in the prepaid card sales corner within the payment application used by the user U. Alternatively, the providing unit 137 provides the terminal device 10 of the user U with a link to a purchase screen for a prepaid card suitable for the user U estimated by the estimating unit 136 by push notification.

Note that the timing at which the providing unit 137 provides information regarding a prepaid card suitable for the user U may be the timing when the user U enters a store where prepaid cards can be used, or the timing when the user U enters a store that accepts prepaid cards. It may be the timing when a desired transaction object (product, service) is purchased and used a predetermined number of times at a member store where the card can be used. The predetermined number of times may be one time or multiple times.

Further, when the prepaid card is presented (transferred) from user U to another user as a gift, the providing unit 137 notifies the other user that the prepaid card has been transferred from user U. do. For example, the providing unit 137 notifies the terminal device 10 of another user of information regarding the user U who has transferred the prepaid card and information regarding the transferred prepaid card.

Further, the providing unit 137 notifies the user U of information regarding the prepaid card held at a predetermined timing in order to prevent forgetting to use the prepaid card. That is, in order to recommend the use of a prepaid card, the providing unit 137 also functions as a notification unit that notifies the user of the existence of a prepaid card.

For example, based on the user U's location information, the providing unit 137 notifies the terminal device 10 of prepaid cards that can be used at stores near the user U's location or stores within the travel range. Furthermore, when the user U enters a store where prepaid cards can be used, the providing unit 137 notifies the terminal device 10 of the prepaid cards that can be used at the store.

Further, when the expiration date of the prepaid card is approaching, the providing unit 137 notifies the terminal device 10 of the prepaid card and the expiration date at a predetermined timing, such as two weeks before the expiration date. That is, the providing unit 137 also functions as a deadline notification unit that notifies the expiration date of the prepaid card.

Note that, in reality, the providing unit 137 may notify the user U of information regarding the prepaid card held in response to a request from the terminal device 10. For example, the terminal device 10 notifies the payment server 100 of location information when it detects the user U approaching or entering an affiliated store, making a payment, or the like. Then, the providing unit 137 of the payment server 100 identifies the member store in accordance with the location information from the terminal device 10, and notifies the terminal device 10 of information regarding prepaid cards that can be used at the member store.

(Reception Department 138)
The reception unit 138 receives a photographed image including card identification information printed on the physical prepaid card PC from the terminal device. For example, the reception unit 138 accepts a photographed image taken via an application that provides payment using the terminal device 10. Here, the accepting unit 138 can also accept from the terminal device 10 a photographed image containing card identification information (card ID) displayed on the screen as a prepaid card other than the physical prepaid card PC, that is, an electronic prepaid card.

Note that the reception unit 138 may cooperate with the acquisition unit 131 or may be integrated with the acquisition unit 131. That is, the reception unit 138 may be part of the function of the acquisition unit 131.

(Relocation Department 139)
The transfer unit 139 transfers the balance of the physical prepaid card PC to the prepaid card balance linked to the user identification information of the user U who uses the terminal device 10. At this time, the transfer unit 139 can also transfer a part of the remaining amount of the physical prepaid card PC to the above-mentioned prepaid card balance. Furthermore, when the remaining amount of the physical prepaid card PC is transferred, the transfer unit 139 notifies the management device (management server) that manages the physical prepaid card PC of the completion of transfer of the remaining amount of the physical prepaid card PC. At this time, if the remaining amount or part of the balance of the physical prepaid card PC is transferred, the above-mentioned management server is notified that a subtraction will be made due to the transfer of the remaining amount of the physical prepaid card PC.

The transfer unit 139 transfers the balance of the physical prepaid card PC to a prepaid card balance with a limited use (limited use balance) that is set separately from a balance with no limited use. At this time, if the prepaid card balance corresponding to the physical prepaid card PC is set, the transfer unit 139 transfers the remaining amount of the physical prepaid card PC to the set prepaid card balance. On the other hand, if the prepaid card balance corresponding to the physical prepaid card PC is not set, the transfer unit 139 sets a new prepaid card balance and transfers the remaining amount of the physical prepaid card PC to the new prepaid card balance. Relocate. Further, when the transfer unit 139 receives a captured image including card identification information from the terminal device 10, the transfer unit 139 transfers the remaining amount of the physical prepaid card PC to the common prepaid card balance.

Note that the transfer unit 139 may cooperate with the issuing unit 132, the setting unit 133, or the management unit 134, or may be integrated with the issuing unit 132, the setting unit 133, or the management unit 134. That is, the transfer unit 139 may be part of the functions of the issuing unit 132, the setting unit 133, or the management unit 134.

(Selection section 140)
The selection unit 140 selects a prepaid card balance with a large number of payments indicated by the payment history from among the plurality of prepaid card balances. Further, the selection unit 140 selects a prepaid card balance with a large total payment amount indicated by the payment history from among the plurality of prepaid card balances. Further, the selection unit 140 selects the prepaid card balance for which the most recent payment indicated by the payment history was made from among the plurality of prepaid card balances. Further, the selection unit 140 selects a prepaid card balance with a large remaining amount indicated by the payment history from among the plurality of prepaid card balances. The selection unit 140 selects a prepaid card balance whose expiration date indicated by the payment history is near from among the plurality of prepaid card balances.

Note that the selection unit 140 may cooperate with the management unit 134 or may be integrated with the management unit 134. That is, the selection unit 140 may be part of the functions of the management unit 134.

(Display section 141)
Based on the payment history, the display unit 141 displays a message indicating that a user using the terminal device 10 Candidate information regarding the responses that U can select is displayed.

To explain an example of a case where the balance value is insufficient for payment, the display unit 141 displays a value from the payment balance using the terminal device 10 when the prepaid card balance value is insufficient for payment. The candidate information that proposes payment processing to be performed by charging the prepaid card balance is displayed. Furthermore, if the prepaid card balance is insufficient for payment, the display unit 141 displays candidate information suggesting a payment process to be performed using the payment balance using the terminal device 10. In addition, if the total amount of the prepaid card balance and the payment balance is insufficient for the payment, the display unit 141 charges the prepaid card balance and the payment balance to process the payment. Candidate information is displayed that allows the user U to select whether to perform the following.

To explain an example where the value of the balance after payment becomes less than or equal to a predetermined threshold, the display unit 141 displays the value of the prepaid card balance when the value of the prepaid card balance after payment becomes less than or equal to the predetermined threshold. Candidate information is displayed that allows the user U to select whether or not to transfer to the payment balance. Furthermore, when the value of the prepaid card balance after payment is equal to or less than a predetermined threshold, the display unit 141 displays candidate information that presents the user U with transaction objects that can be purchased with the value of the prepaid card balance. Furthermore, when the value of the prepaid card balance after payment becomes less than or equal to a predetermined threshold, the display unit 141 displays candidate information that presents the user U with a destination for donating the value of the prepaid card balance.

Further, the display unit 141 displays candidate information that allows the user U to select whether or not to discard the prepaid card balance when the value of the prepaid card balance becomes 0.

Note that the display unit 141 may cooperate with the providing unit 137 or may be integrated with the providing unit 137. That is, the display section 141 may be part of the function of the providing section 137.

[5. Processing procedure]
Next, processing procedures performed by the terminal device 10 and the payment server 100 according to the embodiment will be explained using FIGS. 13 to 17.

[5-1. Processing procedure for prepaid card management]
First, the processing procedure for prepaid card management according to the embodiment will be described using FIG. 13. FIG. 13 is a flowchart showing a processing procedure for prepaid card management according to the embodiment. Note that the processing procedure shown below is repeatedly executed by the control unit 30 of the terminal device 10 and the control unit 130 of the payment server 100.

As shown in FIG. 13, the acquisition unit 131 of the payment server 100 acquires a prepaid card purchase request (issuance request) from the user U via the communication unit 110 (step S101).

Subsequently, the issuing unit 132 of the payment server 100 issues a prepaid card in response to a prepaid card purchase request from the user U (step S102). For example, the issuing unit 132 issues a prepaid card to the user U when the user purchases a prepaid card from the prepaid card sales corner within the payment application by payment (electronic payment) using the terminal device 10. . At this time, the issuing unit 132 issues a prepaid card that is linked to payment using the terminal device 10 (electronic payment). From another perspective, the issuing unit 132 issues a prepaid card that can be used for payment (electronic payment) using the terminal device 10.

Subsequently, the management unit 134 of the payment server 100 secures an area for the prepaid card balance (step S103). Here, the management unit 134 sets an account or data area for managing a balance dedicated to a prepaid card (limited-use balance), separate from a balance for normal electronic payment. In other words, the balance for normal electronic payments and the balance dedicated to prepaid cards are independent. Further, a balance dedicated to a prepaid card is set for each prepaid card. That is, the balance dedicated to prepaid cards is independent for each prepaid card.

Subsequently, the management unit 134 of the payment server 100 manages the prepaid card held by the user U (step S104). Here, the management unit 134 manages the user U and the prepaid card in a linked manner.

Subsequently, the management unit 134 of the payment server 100 determines whether the user U has been transferred a prepaid card by another person (step S105). That is, the management unit 134 determines whether the user U has received a prepaid card as a gift from another person.

If the user U is transferred a prepaid card by another person (step S105; Yes), the management unit 134 of the payment server 100 secures an area for the balance dedicated to the prepaid card (returns to step S103), and the management unit 134 of the payment server 100 Prepaid cards transferred from others are also managed (step S104). In addition, if the user U already owns the same prepaid card as the transferred prepaid card, the management unit 134 may add the balance of the transferred prepaid card to the balance of the prepaid card. . On the other hand, if the user U has not been transferred a prepaid card by another person (step S105; No), the management unit 134 of the payment server 100 moves to the next process (step S106).

Subsequently, the management unit 134 of the payment server 100 determines whether the user U of the terminal device 10 has transferred the prepaid card held by the user U to another user by using the person-to-person remittance function of the payment application. (Step S106). For example, the management unit 134 determines whether the user U operates the terminal device 10 and presses a "gift" button displayed for each prepaid card on a screen displaying a list of prepaid cards owned by the user U. judge. Note that if the prepaid card held by user U has not been transferred to another user (step S106; No), the management unit 134 of the payment server 100 continues to manage the prepaid card held by user U. , completes the series of processing.

The management unit 134 of the payment server 100 transfers the prepaid card held by the user U to another user by using the interpersonal remittance function of the payment application (step S106; Yes), the owner of the prepaid card is changed from user U to another user, and the balance of the prepaid card is transferred from user U to the other user (step S107).

Subsequently, the management unit 134 of the payment server 100 releases the prepaid card dedicated balance area that has been transferred to another user (step S108). Then, the series of processing ends.

[5-2. Processing procedure for using prepaid card]
Next, the processing procedure for using a prepaid card according to the embodiment will be described using FIG. 14. FIG. 14 is a flowchart showing a processing procedure for using a prepaid card according to the embodiment. Note that the processing procedure shown below is repeatedly executed by the control unit 30 of the terminal device 10 and the control unit 130 of the payment server 100.

As shown in FIG. 14, the providing unit 137 of the payment server 100 notifies the user U of information regarding the prepaid card held in order to prevent forgetting to use the prepaid card (step S111). For example, based on the user U's location information, the providing unit 137 notifies the terminal device 10 of prepaid cards that can be used at stores near the user U's location or stores within the travel range. Furthermore, when the user U enters a store where prepaid cards can be used, the providing unit 137 notifies the terminal device 10 of the prepaid cards that can be used at the store. Further, when the user U starts a payment application to perform payment (electronic payment) using the terminal device 10, the terminal device 10 notifies the terminal device 10 of prepaid cards that can be used at the store. Further, when the expiration date of the prepaid card is approaching, the providing unit 137 notifies the terminal device 10 of the prepaid card and the expiration date at a predetermined timing, such as two weeks before the expiration date.

Subsequently, the payment processing unit 135 of the payment server 100 determines whether the user U makes a payment regarding the member store (step S112). For example, the payment processing unit 135 determines whether or not the user U visits a member store where a prepaid card can be used, and performs payment (electronic payment) using the terminal device 10 at the store. The payment processing unit 135 or the payment processing unit 135 determines whether the product purchased by the user U is a product of a member store when the user makes a payment (electronic payment) using the terminal device 10. do. Note that, in reality, the purchase is not limited to the purchase of a product, but may also be the use of a service at a store. Here, if the user U does not make a payment regarding the member store (step S112; No), the payment processing unit 135 of the payment server 100 does not apply the prepaid card and uses the balance for normal electronic payment. Normal payment processing is performed (step S113).

Subsequently, when the user U makes a payment regarding a member store (step S112; Yes), the payment processing unit 135 of the payment server 100 determines whether the balance of the prepaid card of the member store is insufficient ( Step S114). Here, if the balance of the prepaid card of the member store is not insufficient (step S114; No), the payment processing unit 135 of the payment server 100 applies the prepaid card of the member store to the payment regarding the member store. Then, payment processing is performed using the balance of the prepaid card of the member store (step S115).

On the other hand, if the balance of the prepaid card of the member store is insufficient (step S114; Yes), the payment processing unit 135 of the payment server 100 inquires of the user U to recharge the prepaid card of the member store. It is confirmed whether or not to perform the following (step S116).

If the prepaid card of the member store is not to be recharged (step S116; No), the payment processing unit 135 of the payment server 100 does not apply the prepaid card to the payment regarding the member store and uses the normal electronic payment method. Normal payment processing is performed using the balance (step S113).

On the other hand, when recharging a member store's prepaid card (step S116; Yes), the payment processing unit 135 of the payment server 100 applies the member store's prepaid card to the payment regarding the member store, and Payment processing is performed using the balance of the member store's prepaid card (step S115).

[5-3. Processing procedure for physical prepaid card management]
Next, the processing procedure for using a prepaid card according to the embodiment will be described using FIG. 15. FIG. 15 is a flowchart showing the processing procedure for physical prepaid card management according to the embodiment. Note that the processing procedure shown below is repeatedly executed by the control unit 30 of the terminal device 10 and the control unit 130 of the payment server 100.

As shown in FIG. 15, the receiving unit 138 of the payment server 100 receives a photographed image including the card ID printed on the physical prepaid card PC, which is photographed by the reading unit 34 of the terminal device 10 (step S201). At this time, the acquisition unit 131 of the payment server 100 acquires user information including the user ID of the user U from the terminal device 10.

Next, the transfer unit 139 of the payment server 100 specifies the management server that manages the physical prepaid card PC from the card ID, and specifies the balance value of the physical prepaid card PC by making an inquiry to the management server (step S202 ).

Then, the transfer unit 139 of the payment server 100 transfers all or part of the balance value of the specified physical prepaid card PC as a prepaid card balance (step S203). At this time, the transfer unit 139 of the payment server 100 notifies the management server that the transferred balance cannot be used together with a transfer completion notification.

[5-4. Processing procedure for prepaid card selection]
Next, the processing procedure for prepaid card selection according to the embodiment will be described using FIG. 16. FIG. 16 is a flowchart showing a prepaid card selection processing procedure according to the embodiment. Note that the processing procedure shown below is repeatedly executed by the control unit 130 of the payment server 100.

As shown in FIG. 16, the selection unit 140 of the payment server 100 refers to the payment history using the prepaid card of the user U (step S211). At this time, the selection unit 140 of the payment server 100 refers to various databases (user information database 121, history information database 122, card information database 123, payment information database 124) and obtains information regarding the payment history.

Next, the selection unit 140 of the payment server 100 selects a prepaid card to be used for payment based on the payment history (step S212). For example, the selection unit 140 of the payment server 100 selects a prepaid card to be used for payment based on the payment history regarding the number of payments, total amount of payment, time of payment, remaining amount, and expiration date.

Then, the payment processing unit 135 of the payment server 100 performs payment processing using the selected prepaid card (step S213).

[5-5. Processing procedure for displaying selected information regarding prepaid cards]
Next, a processing procedure for displaying selection information regarding a prepaid card according to the embodiment will be described using FIG. 17. FIG. 17 is a flowchart showing a processing procedure for displaying selection information regarding a prepaid card according to the embodiment. Note that the processing procedure shown below is repeatedly executed by the control unit 30 of the terminal device 10 and the control unit 130 of the payment server 100.

As shown in FIG. 17, the display unit 141 of the payment server 100 refers to the balance of the prepaid card of the user U (step S231). At this time, the display unit 141 of the payment server 100 refers to various databases (user information database 121, history information database 122, card information database 123, and payment information database 124) and calculates the balance of the prepaid card from information related to payment history. get.

Subsequently, the display unit 141 of the payment server 100 generates selection information (candidate information) to be displayed (step S222), and displays the selection information on the terminal device 10 of the user U (step S223).

Then, the receiving unit 138 of the payment server 100 receives the designation of selection information from the terminal device 10 of the user U (step S224).

Finally, the payment processing unit 135 of the payment server 100 executes various processes based on the specifications of the user U (step S225).

[6. Modified example]
The terminal device 10 and payment server 100 described above may be implemented in various different forms other than the above embodiments. Therefore, a modification of the embodiment will be described below.

In the above embodiment, part or all of the processing executed by the payment server 100 may actually be executed by the terminal device 10. For example, the process may be completed stand-alone (by the terminal device 10 alone). In this case, it is assumed that the terminal device 10 is equipped with the functions of the payment server 100 in the above embodiment. Furthermore, in the embodiment described above, since the terminal device 10 cooperates with the payment server 100, it appears to the user U that the processing of the payment server 100 is also executed by the terminal device 10. That is, from another perspective, it can be said that the terminal device 10 includes the payment server 100.

Furthermore, in the above embodiment, when displaying a list of prepaid cards held by user U, the terminal device 10 automatically sorts the prepaid cards held by user U in order of frequency of use. Alternatively, the items may be sorted (sorted) in descending order of expiry date. Alternatively, the terminal device 10 may sort (arrange) the prepaid cards held by the user U according to the user's U operation.

Further, in the above embodiment, when displaying a list of prepaid cards held by the user U, the terminal device 10 selects a predetermined prepaid card selected and designated by the user U from among the prepaid cards held by the user U. Only prepaid cards that meet the conditions may be displayed.

Furthermore, in the embodiment described above, the user U may further present a prepaid card presented by another user as a gift to another user. In other words, once a prepaid card gifted by another person becomes a prepaid card owned by user U, user U can then freely gift it to other users as a prepaid card owned by user U. can do.

Further, in the above embodiment, the prepaid card limited to member stores is only an example. In reality, prepaid cards may be managed in association with specific uses, rather than with member stores.

[7. effect〕
As described above, the payment server 100 according to the present application includes a reception unit 138 that receives a photographed image including card identification information printed on a prepaid card from the terminal device 10, and a reception unit 138 that receives a photographed image including card identification information printed on a prepaid card, and receives the remaining amount of the prepaid card corresponding to the card identification information. It includes a transfer unit 139 that transfers a prepaid card balance that is a balance that can be used for payment using the terminal device 10.

Further, the transfer unit 139 transfers the remaining amount of the prepaid card to the prepaid card balance linked to the user identification information of the user U who uses the terminal device 10.

Further, when the remaining amount of the prepaid card is transferred, the transfer unit 139 notifies the management device that manages the prepaid card of the completion of transferring the remaining amount of the prepaid card.

Further, the transfer unit 139 transfers the remaining amount of the prepaid card to a prepaid card balance with a limited use, which is set separately from a balance without a limited use.

Further, if a prepaid card balance corresponding to the prepaid card is set, the transfer unit 139 transfers the remaining amount of the prepaid card to the set prepaid card balance.

Further, if the prepaid card balance corresponding to the prepaid card is not set, the transfer unit 139 sets a new prepaid card balance and transfers the remaining amount of the prepaid card to the new prepaid card balance.

Further, when the transfer unit 139 receives a captured image including card identification information from the terminal device 10, the transfer unit 139 transfers the remaining amount of the prepaid card to the common prepaid card balance.

Further, the reception unit 138 receives a photographed image taken via an application that provides payment using the terminal device 10.

The reception unit 138 also receives a notification regarding an inquiry about the remaining amount of the prepaid card corresponding to the card identification information from the management device that manages the prepaid card.

By any one or a combination of the above-mentioned processes, the payment server 100 according to the present application can automatically select which one to use for payment when there are multiple prepaid cards available. , it is possible to improve the convenience for the user U.

In addition, from another perspective, when a payment is made using the terminal device 10, the payment server 100 according to the present application acquires the payment history of a plurality of balances available to the user U who uses the terminal device 10. an acquisition unit 131; a selection unit 140 that selects a balance to be settled from a plurality of balances based on the payment history; and a payment processing unit 135 that performs payment processing using the selected balance to be settled; Equipped with

Further, the selection unit 140 selects a prepaid card balance with a large number of payments indicated by the payment history from among the plurality of prepaid card balances.

Further, the selection unit 140 selects a prepaid card balance with a large total payment amount indicated by the payment history from among the plurality of prepaid card balances.

Further, the selection unit 140 selects the prepaid card balance for which the most recent payment indicated by the payment history was made from among the plurality of prepaid card balances.

Further, the selection unit 140 selects a prepaid card balance with a large remaining amount indicated by the payment history from among the plurality of prepaid card balances.

Further, the selection unit 140 selects a prepaid card balance whose expiration date indicated by the payment history is close from among the plurality of prepaid card balances.

Through any one or a combination of the above-described processes, the payment server 100 according to the present application can perform complicated management of physical prepaid card PCs all at once, thereby improving convenience for the user U. Furthermore, if the physical prepaid card PC is desired to be kept, it can be used together with an electronic prepaid card, so that a usage method that matches the user U's intention can be provided.

In addition, from another perspective, the payment server 100 according to the present application includes an acquisition unit 131 that acquires the payment history of the balance used for payment using a terminal device, and a balance value for the payment based on the payment history. A display unit 141 that displays candidate information regarding actions that can be selected by the user U using the terminal device 10 when the amount is insufficient or when the value of the balance after payment is less than or equal to a predetermined threshold value. .

In addition, if the prepaid card balance is insufficient for payment, the display unit 141 displays candidate information suggesting a payment process to be performed by charging the prepaid card balance from the payment balance using the terminal device 10. do.

Furthermore, when the prepaid card balance is insufficient for payment, the display unit 141 displays candidate information suggesting payment processing to be performed using the payment balance using the terminal device 10.

In addition, if the total amount of the prepaid card balance and the payment balance is insufficient for the payment, the display unit 141 charges the prepaid card balance and the payment balance to process the payment. Candidate information is displayed that allows the user U to select whether to perform the following.

In addition, the display unit 141 displays candidate information that allows the user U to select whether or not to transfer the value of the prepaid card balance to the payment balance when the value of the prepaid card balance after payment becomes equal to or less than a predetermined threshold. indicate.

Furthermore, when the value of the prepaid card balance after payment is equal to or less than a predetermined threshold, the display unit 141 displays candidate information that presents the user U with transaction objects that can be purchased with the value of the prepaid card balance.

Furthermore, when the value of the prepaid card balance after payment becomes less than or equal to a predetermined threshold, the display unit 141 displays candidate information that presents the user U with a destination for donating the value of the prepaid card balance.

Furthermore, when the value of the prepaid card balance becomes 0, the display unit 141 displays candidate information that allows the user U to select whether or not to discard the prepaid card balance.

Through any one or a combination of the above-mentioned processes, the payment server 100 according to the present application can sort out prepaid cards that are not used or have a balance of 0, thereby improving convenience for the user U. can.

[8. Hardware configuration]
Further, the terminal device 10 and the payment server 100 according to the embodiments described above are realized by, for example, a computer 1000 having a configuration as shown in FIG. 18. The payment server 100 will be described below as an example. FIG. 18 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and a calculation device 1030, a primary storage device 1040, a secondary storage device 1050, an output I/F (Interface) 1060, an input I/F 1070, and a network I/F 1080 are connected to a bus. 1090.

The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and performs various processes. The arithmetic device 1030 is realized by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (Random Access Memory) that temporarily stores data used by the calculation device 1030 for various calculations. Further, the secondary storage device 1050 is a storage device in which data used by the calculation device 1030 for various calculations and various databases are registered, and includes a ROM (Read Only Memory), an HDD (Hard Disk Drive), and an SSD (Solid Disk Drive). This is realized using flash memory, etc. The secondary storage device 1050 may be a built-in storage or an external storage. Further, the secondary storage device 1050 may be a removable storage medium such as a USB memory or an SD (Secure Digital) memory card. Further, the secondary storage device 1050 may be a cloud storage (online storage), a NAS (Network Attached Storage), a file server, or the like.

The output I/F 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a display, a projector, and a printer. (Digital Visual Interface) and HDMI (registered trademark) (High Definition Multimedia Interface). Further, the input I/F 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, keypad, button, scanner, etc., and is realized by, for example, a USB or the like.

Further, the output I/F 1060 and the input I/F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, output device 1010 and input device 1020 may be wireless devices.

Moreover, the output device 1010 and the input device 1020 may be integrated like a touch panel. In this case, the output I/F 1060 and the input I/F 1070 may also be integrated as an input/output I/F.

Note that the input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like.

Network I/F 1080 receives data from other devices via network N and sends it to computing device 1030, and also sends data generated by computing device 1030 to other devices via network N.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output I/F 1060 and input I/F 1070. For example, the arithmetic device 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

For example, when the computer 1000 functions as the payment server 100, the arithmetic unit 1030 of the computer 1000 realizes the functions of the control unit 130 by executing a program loaded onto the primary storage device 1040. Further, the arithmetic device 1030 of the computer 1000 may load a program obtained from another device via the network I/F 1080 onto the primary storage device 1040, and execute the loaded program. Furthermore, the arithmetic unit 1030 of the computer 1000 may cooperate with other devices via the network I/F 1080, and may call and use program functions, data, etc. from other programs of other devices.

[9. others〕
Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. Furthermore, the above-mentioned components include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those that are in a so-called equivalent range. Furthermore, the aforementioned components can be combined as appropriate. Furthermore, various omissions, substitutions, or modifications of the constituent elements can be made without departing from the gist of the embodiments described above.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or the processes described as being performed manually can be performed manually. All or part of this can also be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Furthermore, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

For example, the above-mentioned payment server 100 may be realized by a plurality of server computers, and depending on the function, it may be realized by calling an external platform etc. using an API (Application Programming Interface), network computing, etc. Can be changed flexibly.

Further, the embodiments and modifications described above can be combined as appropriate within the range that does not conflict with the processing contents.

Further, the above-mentioned "section, module, unit" can be read as "means", "circuit", etc. For example, the acquisition unit can be read as an acquisition means or an acquisition circuit.

1 Information processing system 10 Terminal device 100 Payment server 110 Communication unit 120 Storage unit 121 User information database 122 History information database 123 Card information database 124 Payment information database 130 Control unit 131 Acquisition unit 132 Issuance unit 133 Setting unit 134 Management unit 135 Payment Processing unit 136 Estimation unit 137 Providing unit 138 Reception unit 139 Transfer unit 140 Selection unit 141 Display unit

Claims (12)

an acquisition unit that acquires the payment history of multiple balances available to a user using the terminal device when a payment is made using the terminal device;
a selection unit that selects a balance to be settled from among the plurality of balances based on the settlement history;
a payment processing unit that performs payment processing using the selected balance to be settled;
An information processing device comprising: an issuing unit that issues an electronic prepaid card applicable to payment using the terminal device;
a management unit that separately manages a balance for payment using the terminal device, which is a normal balance with no limitations on usage, and a prepaid card balance, which is a balance of the electronic prepaid card with limited usage;
The information processing device according to claim 1, further comprising: The information processing device according to claim 2, wherein the selection unit selects the prepaid card balance with a large number of payments indicated by the payment history from among the plurality of prepaid card balances. The information processing device according to claim 2, wherein the selection unit selects the prepaid card balance with a large total payment amount indicated by the payment history from among the plurality of prepaid card balances. The information processing device according to claim 2, wherein the selection unit selects the prepaid card balance on which the most recent payment indicated by the payment history was made from among the plurality of prepaid card balances. The information processing device according to claim 2, wherein the selection unit selects the prepaid card balance with a large remaining amount indicated by the payment history from among the plurality of prepaid card balances. The information processing device according to claim 2, wherein the selection unit selects the prepaid card balance whose expiration date indicated by the payment history is close from among the plurality of prepaid card balances. The issuing department issues the electronic prepaid card for each member store,
The information processing device according to any one of claims 2 to 7, wherein the management unit individually manages the prepaid card balance for each member store. The payment processing unit performs payment processing by charging the prepaid card balance from the payment balance using the terminal device when the balance of the prepaid card selected as the payment target is insufficient. 9. The information processing device according to claim 8. The payment processing unit may perform payment processing using the payment balance using the terminal device if the balance of the prepaid card selected as the payment target is insufficient. The information processing device according to claim 8. An information processing method performed by a computer, the method comprising:
When a payment is made using a terminal device, an acquisition step of acquiring the payment history of multiple balances available to the user using the terminal device;
a selection step of selecting a balance to be settled from the plurality of balances based on the settlement history;
a payment processing step of performing payment processing using the selected balance to be paid;
An information processing method characterized by comprising: When a payment is made using a terminal device, an acquisition procedure for acquiring the payment history of multiple balances available to the user using the terminal device;
a selection step of selecting a balance to be settled from the plurality of balances based on the settlement history;
a payment processing procedure for performing payment processing using the selected balance to be settled;
An information processing program that causes a computer to execute.

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