JP6027711B1 - Information processing apparatus, information processing method, and information processing program - Google Patents

Abstract

The information processing apparatus includes a plurality of first histories indicating that points have been acquired by using the target point acquisition object, and includes a plurality of first identification information associated with the target point acquisition object. The first history of is acquired. The information processing apparatus indicates that each of the plurality of acquired first histories is provided with points by using the settlement object in the same transaction as the transaction in which the target point acquisition object is used. A second history that is history and includes second identification information associated with the used settlement object is acquired. The information processing device compares the second identification information included in the second history with the first identification information for each acquired second history. As a result of the comparison, the information processing device is illegal to acquire points using the target point acquisition object based on the fact that the second identification information included in at least two second histories does not match the first identification information. Judge that there is.

Description

  The present invention relates to a technical field of a system for detecting illegal acquisition of points using a point acquisition object such as a point card when a product or service is purchased in an actual store.

  Conventionally, when a customer purchases a product or service at a store, a system is known in which the customer is given points by presenting a point card or the like to the store clerk. In such a system, it is common that the points the customer currently has are recorded on the point card. The store clerk updates the points recorded on the point card received from the customer by using the card reader / writer to give points.

  In a system for updating points recorded on a point card, there is a falsification or fraudulent fraud by a store clerk. In view of this problem, Patent Document 1 discloses a point management system including an IC card reader / writer having tamper resistance and a host server. The IC card reader / writer transmits data related to the points generated by the settlement to the upper server, and the upper server manages the points.

JP 2008-077756 A

  However, the customer may not present the point card at the time of purchase at the store. In this case, points are not given to the customer. Instead, it is possible for a store clerk to obtain points illegally using a point card owned by the store clerk. The system disclosed in Patent Document 1 cannot detect such fraud.

  The present invention has been made in view of the above points. When a customer does not acquire a point using a point acquisition object at a store, the store clerk uses the point acquisition object for his / her fraud. It is an object of the present invention to provide an information processing apparatus, an information processing method, and the like that can detect an act of acquiring points.

  In order to solve the above-mentioned problems, the invention according to claim 1 is a service to which points are given based on a transaction, and is for settlement linked to identification information for identifying any account in the service. Points are given based on the settlement using the object, and the point acquisition object linked to the identification information for identifying any account in the service is presented in the transaction in which the settlement was performed A plurality of first histories indicating that points are acquired by using a target point acquisition object in a service to which points are given, and are associated with the target point acquisition object First acquisition means for acquiring a plurality of first histories including the same first identification information, and the acquisition For each of the plurality of first histories, based on the first history, it is indicated that points have been awarded by using the settlement object in the same transaction as the transaction using the target point acquisition object A second history that is a second history, the second obtaining means for obtaining a second history including the second identification information associated with the used settlement object, and a second history for each of the obtained second history. Comparing means for comparing the second identification information included in the first identification information with the first identification information, and as a result of the comparison, the second identification information included in at least two second histories is inconsistent with the first identification information. And determining means for determining that the point acquisition using the target point acquisition object is illegal.

  In this invention, the settlement object and the point acquisition object are associated with the identification information of the point service account. A member who has an account of a point service can acquire points by paying the purchase price of the transaction object with a settlement object in a certain transaction, and presenting the point acquisition object to the store, You can get points. Therefore, the member can acquire points twice in the same transaction. According to this invention, the information processing apparatus can settle the same transaction as the transaction in which points are acquired using the target point acquisition object based on a plurality of first histories including the same first identification information. A plurality of second histories each indicating acquisition of points using the used settlement object are acquired. The information processing device compares the second identification information with the first identification information for each second history. Usually, the member settles the purchase price for the transaction with the settlement object linked to the second identification information of the account of the member and is linked to the first identification information identical to the second identification information. Use the point acquisition object to acquire points. In the same transaction, if a target point acquisition object and a settlement object associated with different identification information are used, the acquisition of points using the target point acquisition object may be illegal. . For example, the customer settles the price with the settlement object associated with the second identification information of the customer account. However, the customer did not present the point acquisition object associated with the second identification information to the store clerk. Therefore, the store clerk acquires points with the target point acquisition object linked to the first identification information of the account of the store clerk. This store clerk is illegal. As a result of the comparison, the information processing apparatus, based on the fact that the second identification information included in at least two second histories does not match the first identification information, the acquisition of the points using the target point acquisition object is It is determined to be illegal. If a transaction using the target point acquisition object and the settlement object associated with different identification information is performed multiple times, there is a probability that the point acquisition using the target point acquisition object is illegal. Rise. Therefore, the information processing apparatus detects an act in which a store clerk illegally acquires points using his / her own point acquisition object when the customer does not acquire points using the point acquisition object at the store. Can do.

  According to a second aspect of the present invention, in the information processing apparatus according to the first aspect, the comparing means includes the second of the plurality of second histories acquired based on the plurality of first histories acquired. Counting the number of second histories that satisfy a predetermined condition including at least a condition that second identification information that does not match the first identification information is included, and the determination unit determines that the target is included when the counted number is greater than or equal to a reference value The point acquisition using the point acquisition object is determined to be illegal.

  As the number of transactions using the target point acquisition object and the settlement object associated with different identification information increases, the probability that the point acquisition using the target point acquisition object is illegal increases. According to this invention, the information processing apparatus includes the number of transactions satisfying a predetermined condition including at least a condition that a target point acquisition object and a settlement object associated with different identification information are used, and a reference value Based on the comparison, it can be determined whether or not fraud has been performed.

  According to a third aspect of the present invention, in the information processing apparatus according to the second aspect, the comparison unit counts the number of second histories including second identification information that does not match the first identification information. And

  According to this invention, the information processing device determines whether fraud has been performed based on the number of transactions in which the target point acquisition object and the settlement object associated with different identification information are used. can do.

  According to a fourth aspect of the present invention, in the information processing apparatus according to the second or third aspect, the comparison unit counts the number of second histories including second identification information that does not match the first identification information, If there are a predetermined number or more of third histories including the same second identification information among the plurality of acquired second histories, the third histories should not be included in the second histories counted. It is characterized by.

  Even if a settlement object associated with second identification information different from the first identification information associated with the target point acquisition object is used, the settlement object associated with the same second identification information is used. The more transactions in which an object is used, the higher the probability that it is legitimate to acquire points using the target point acquisition object in these transactions. For example, a member acquires points using the target point acquisition object linked to the first identification information of the member's own account, and the second identification information of another account of the member or the account of the family or the like In some cases, the payment can be settled using the settlement object associated with the second identification information. In such a case, although it is different from the first identification information, there are many transactions in which settlement is performed using the settlement object linked to the same second identification information. According to this invention, when there is a predetermined number of third histories that include the same second identification information in the plurality of second histories, the information processing apparatus counts the number of these third histories. 2 Exclude from history. As a result, the information processing apparatus can determine whether fraud has been performed by excluding transactions with a probability that points have been legitimately acquired.

  According to a fifth aspect of the present invention, in the information processing device according to any one of the second to fourth aspects, the comparison unit includes a second history information including second identification information that does not match the first identification information. When there are a plurality of fourth histories that include the same second identification information among the plurality of acquired second histories, only one of the fourth histories is counted. Included in the second history.

  In a plurality of transactions in which points are acquired using the target point acquisition object, the probability that fraud has been performed is higher as the number of accounts in which the payment object is used for payment is larger. The reason is that, when a store clerk performs fraud, there is a probability that various customers at the store will use the payment of the price to acquire points. According to this invention, when there are a plurality of fourth histories that include the same second identification information among the plurality of second histories, the information processing apparatus counts only one of the fourth histories. To be included in the second history. As a result, the information processing apparatus can count the number of accounts in which the settlement object is used for settlement, and thus can determine whether fraud has been performed.

  According to a sixth aspect of the present invention, in the information processing apparatus according to any one of the second to fifth aspects, the second acquisition unit identifies the second identification information and the store where the transaction was performed. The first reference value determining means for acquiring the second history including store identification information and determining the reference value, wherein the plurality of second histories are included in the plurality of second histories based on the plurality of second histories. If it is determined that there is a store in which only the settlement object associated with the second identification information matching the first identification information is used for settlement among the stores indicated by the store identification information, First reference value determining means for making the reference value smaller than when there is not, the determination means, when the counted number is equal to or greater than the determined reference value, the target point acquisition object Use points at the target store Obtained that it is characterized by determining that an illegal.

  While payment is performed using a payment object associated with second identification information different from the first identification information at a specific store, second identification information that matches the first identification information at other stores. In the case where the settlement is performed using only the settlement object linked to the item, there is a high probability that fraud has been performed. The reason for this is that if the store clerk cheats, the store clerk can acquire points using the fact that another person made a payment using the settlement object only at the store where the store clerk works. This is because the clerk of a specific store must make a payment using the clerk's own payment object. According to this invention, the information processing apparatus is configured such that only the settlement object associated with the second identification information that matches the first identification information among the stores from which points are acquired using the target point acquisition object. When there is a store used for settlement, the reference value is made smaller than when it is not. Therefore, the information processing apparatus can appropriately determine whether fraud has been performed.

  The invention according to claim 7 is the information processing apparatus according to any one of claims 2 to 6, wherein the second acquisition means identifies the second identification information and a transaction object purchased in the transaction. The second reference value determining means for acquiring the second history including transaction object identification information to be determined and determining the reference value, based on a plurality of transaction object identification information included in the plurality of second histories. The second reference value determining means for making the reference value smaller when the purchase frequency of the transaction target having the same attribute is equal to or higher than the reference frequency than when the purchase frequency is less than the reference frequency, If the counted number is equal to or greater than the determined reference value, the determining means determines that it is illegal to acquire a point at the target store using the target point acquisition object. Characterize

  Assuming that a member using the target point acquisition object purchases a transaction target, if the purchase frequency of the transaction target having the same attribute is unnaturally high, the member has a high probability of fraud. In other words, the member has a high probability of acquiring points by using the fact that the member himself / herself did not purchase the transaction object but purchased another transaction object using the settlement object. According to this invention, the information processing apparatus makes the reference value smaller when the purchase frequency of the transaction target having the same attribute is equal to or higher than the reference frequency than when it is not. Therefore, the information processing apparatus can appropriately determine whether fraud has been performed.

  The invention according to claim 8 is a service in which points are given based on a transaction in an information processing method executed by a computer, and is associated with identification information for identifying any account in the service The point acquisition object associated with the identification information for identifying any account in the service, which is given points based on the settlement using the settlement object, is the transaction in which the settlement was performed. A plurality of first histories indicating that points are acquired by using a target point acquisition object in a service to which points are given by being presented in the above, and are associated with the target point acquisition object A plurality of first histories including the same first identification information attached to each other are acquired. For each of the one acquisition step and the plurality of acquired first histories, points are obtained by using the settlement object in the same transaction as the transaction using the target point acquisition object based on the first history. A second acquisition step of acquiring a second history including the second identification information associated with the used settlement object, and the acquired second For each history, a comparison step of comparing the second identification information included in the second history with the first identification information, and as a result of the comparison, the second identification information included in at least two second histories is the first identification information. A determination step that determines that the acquisition of the points using the target point acquisition object is illegal based on the fact that the identification information does not match. The features.

  The invention according to claim 9 is a service using a payment object linked to identification information for identifying any account in the service, which is a service to which points are given based on transactions. Points are awarded based on the fact that the point acquisition object associated with the identification information for identifying any account in the service is presented in the transaction in which the settlement was made. Is a plurality of first histories indicating that points have been acquired by using the target point acquisition object, and the same first records associated with the target point acquisition object A first acquisition means for acquiring a plurality of first histories including one identification information; For each of the first histories, based on the first history, a second history indicating that points are given by using the settlement object in the same transaction as the transaction using the target point acquisition object. A second acquisition means for acquiring a second history including the second identification information associated with the used settlement object, and a second history included in the second history for each acquired second history. Comparing means for comparing the two identification information and the first identification information, and as a result of the comparison, the second identification information included in at least two second histories is inconsistent with the first identification information, An information processing program that functions as a determination unit that determines that acquisition of a point using the target point acquisition object is illegal.

  According to the present invention, the information processing apparatus settles the same transaction as the transaction in which points are acquired using the target point acquisition object based on a plurality of first histories including the same first identification information. A plurality of second histories each indicating acquisition of points using the used settlement object are acquired. The information processing device compares the second identification information with the first identification information for each second history. As a result of the comparison, the information processing apparatus, based on the fact that the second identification information included in at least two second histories does not match the first identification information, the acquisition of the points using the target point acquisition object is It is determined to be illegal. Therefore, the information processing apparatus detects an act in which a store clerk illegally acquires points using his / her own point acquisition object when the customer does not acquire points using the point acquisition object at the store. Can do.

It is a figure showing an example of outline composition of information processing system S concerning one embodiment. It is a figure which shows an example of a mode that a point is provided. It is a figure which shows another example of a mode that a point is provided. It is a block diagram which shows an example of schematic structure of the point server 1 which concerns on one Embodiment. It is a figure which shows an example of the content registered into the database memorize | stored in the memory | storage part 12 of the point server 1. FIG. It is a block diagram which shows an example of schematic structure of the management terminal 2 which concerns on one Embodiment. It is a figure which shows an example of the functional block of the system control part 26 of the management terminal 2 which concerns on one Embodiment. It is a figure showing an example of a situation of acquisition of point grant history. It is a figure which shows an example of the count of the number of the 2nd point provision log | history which satisfy | fills count conditions. It is a flowchart which shows an example of the fraud determination process of the system control part 26 of the management terminal 2 which concerns on one Embodiment. It is a flowchart which shows an example of the count process of the system control part 26 of the management terminal 2 which concerns on one Embodiment. It is a figure which shows an example of the count of the number of the 2nd point provision log | history which satisfy | fills count conditions. It is a flowchart which shows an example of the count process of the system control part 26 of the management terminal 2 which concerns on one Embodiment. It is a flowchart which shows an example of the count process of the system control part 26 of the management terminal 2 which concerns on one Embodiment. It is a figure which shows an example of the count of the number of the 2nd point provision log | history which satisfy | fills count conditions. It is a flowchart which shows an example of the count process of the system control part 26 of the management terminal 2 which concerns on one Embodiment. It is a flowchart which shows an example of the threshold value setting process of the system control part 26 of the management terminal 2 which concerns on one Embodiment. It is a flowchart which shows an example of the threshold value setting process of the system control part 26 of the management terminal 2 which concerns on one Embodiment.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The embodiment described below is an embodiment when the present invention is applied to an information processing system.

[1. First Embodiment]
[1-1. Overview of information processing system configuration and functions]
First, the configuration and functional overview of the information processing system S according to the present embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of a schematic configuration of an information processing system S according to the present embodiment.

  As illustrated in FIG. 1, the information processing system S includes a point server 1, a management terminal 2, a plurality of cash registers 3, and a plurality of user terminals 4. The point server 1 and the management terminal 2 can exchange data with each other via the network LN. The network LN is, for example, a LAN (Local Area Network). The point server 1, each cash register 3, and each user terminal 4 can exchange data with each other via the network NW. The network NW is constructed by, for example, the Internet, a dedicated communication line (for example, a CATV (Community Antenna Television) line), a mobile communication network (including a base station), a gateway, and the like. The protocol used for data transmission / reception is, for example, TCP / IP as a communication protocol.

  The point server 1 is a server device that manages points in a point service provided by a predetermined service provider. This point service may be one of various services provided on a website operated by the business operator, for example. In this case, the member who has the account of the point service can use the accumulated points for the price for purchasing the transaction object sold on these websites. The transaction target may be a product or a service.

  At the actual store that is a member of the point service, the member of the point service pays the price for purchasing the transaction object. At this time, when the member presents the point card issued by the business operator, the cash register 3 reads the card number from the point card and transmits the point receipt data including the card number to the point server 1. When the member settles the purchase price with an IC card or credit card of electronic money issued by the business operator or its affiliated company, the cash register 3 reads the card number from the IC card or credit card, and includes the card number The receipt data is transmitted to the point server 1. The point server 1 executes a process for giving points to members based on the point receipt data transmitted from the cash register 3. Only one of electronic money and a credit card may be used to obtain points. The point server 1 executes processing for applying the points held by the member to a part or all of the purchase price paid by the member at the store.

  The management terminal 2 is an example of an information processing apparatus of the present invention. The management terminal 2 is a terminal device used by a point service administrator. Based on the operation of the administrator, the management terminal 2 accesses the point server 1 and acquires information from the point server 1. Further, the management terminal 2 detects unauthorized acquisition of points by a member based on the information acquired from the point server 1.

  The cash register 3 is installed in a store that is affiliated with the point service. Examples of stores include convenience stores, supermarkets, drug stores, book stores, department stores, gas stations, restaurants, and hotels. One or more cash registers 3 are installed in each store. The cash register 3 includes, for example, a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), a keyboard, a charge indicator, a drawer, a receipt printer, and the like. The cash register 3 further includes a barcode reader 31, an IC card reader / writer 32, a magnetic card reader 33, and the like. The barcode reader 31 reads the product code from the barcode attached to the product. The bar code reader 31 reads the card number of the point card from the bar code attached to the point card. A point service application program may be installed in a mobile terminal such as a mobile phone or a smartphone. When the member starts the application program, a barcode indicating the card number is displayed on the display of the portable terminal. The barcode reader 31 may read the card number from the display of the mobile terminal. A portable terminal in which a point card and an application are installed is an example of the point acquisition object of the present invention. The IC card reader / writer 32 transmits and receives data to and from an IC chip embedded in an electronic money IC card. The cash register 3 executes processing for paying the purchase price of the transaction object with electronic money by transmitting and receiving data to and from the IC chip. At this time, the cash register 3 acquires the card number of the IC card from the IC chip. Note that an IC chip for electronic money may be incorporated in the mobile terminal. The magnetic card reader 33 reads the credit card number from the magnetic stripe of the credit card. Based on the read data, the cash register 3 executes a process for paying the purchase price to be traded with a credit card in cooperation with a predetermined payment server device. Electronic money IC cards and credit cards are collectively referred to as payment cards. An electronic money IC card, a portable terminal in which an electronic money IC chip is incorporated, and a credit card are examples of the settlement object of the present invention.

  The user terminal 4 is a terminal device used by a member having a point service account. Based on the operation of the member, the user terminal 4 accesses the point server 1. The member registers data such as at least one card number of the issued point card, IC card and credit card. As a result, the point server 1 associates the card number with the member ID. By this association, the member can collect points using a card with a registered card number. The member ID is identification information for identifying a point service account. As the user terminal 4, for example, a personal computer, a PDA (Personal Digital Assistant), a smartphone, a mobile phone, or the like is used.

[1-2. Unauthorized acquisition of point system and points]
In the point system of this embodiment, when a member purchases a transaction target at a store, the member presents a point card to the store clerk so that the member is given points. Furthermore, when the member pays the purchase price for the transaction with the payment card linked to the member ID, points are given to the member. Therefore, the member can acquire points twice by using both the point card and the settlement card in one transaction. One transaction is completed by settlement of the purchase price of the transaction target and delivery of the transaction target. Therefore, one settlement of payment corresponds to one transaction. Multiple transactions may be purchased in a single transaction. The member may acquire points using only one of the point card and the settlement card. Points may be awarded according to the purchase price. For example, the point grant rate is predetermined. The point grant rate may be different between the case of a point card or the case of a payment card, or may be the same.

  FIG. 2 is a diagram illustrating an example of how points are awarded. It is assumed that a certain purchaser A possesses a point card with a card number “1111 1111 1111 1111” and an electronic money IC card with a card number “2222 2222 2222 2222”. These card numbers are registered in the card DB 12b of the point server 1 in association with the member ID of the purchaser A. The purchaser A purchases a product of 1000 yen at a certain store X. At that time, the purchaser A presented a point card. Assuming that the point grant rate of the point card is 0.01, the purchaser A acquires 10 points. Next, the purchaser A settles the purchase price with electronic money. Assuming that the electronic money point grant rate is 0.005, the purchaser A obtains 5 points. Thus, the purchaser A can obtain 15 points in total. In addition, even if the member presents a point card after paying the purchase price first using the payment card, the member can acquire points twice.

  By the way, when purchasing a transaction target at a store, a member may not present a point card while paying a purchase price using a payment card. For example, a member may not have a point card or may forget to present a point card. In this case, points can be acquired using a point card owned by the store clerk. However, the store clerk has not paid for the purchase. Accordingly, the acquisition of such points by the store clerk is illegal.

  FIG. 3 is a diagram illustrating another example of how points are awarded. Assume that the store clerk B of the store X owns the point card with the card number “3333 3333 3333 3333”. When purchaser A purchases a product of 1000 yen at store X, the purchase price is settled with electronic money. Thereby, the purchaser A acquires 5 points. However, Buyer A did not present a point card. Therefore, the store clerk B obtains 10 points by causing the barcode reader 31 to read his / her point card.

  The management terminal 2 executes processing for detecting such fraud. As shown in FIG. 3, when fraud is performed, the member ID associated with the settlement card used for settlement is associated with the point card used in the same transaction as the transaction where the settlement was performed. The member IDs given do not match. The same transaction means that the accounting is the same. Therefore, the management terminal 2 uses the point card based on the fact that the member ID associated with the payment card used in the same transaction and the member ID associated with the point card do not match. Is determined to be illegal. Note that not the management terminal 2 but the point server 1 may execute processing for detecting fraud. In this case, the point server 1 is an example of the information processing apparatus of the present invention.

[1-3. Point server configuration]
Next, the configuration of the point server 1 will be described with reference to FIGS. 4 and 5.

  FIG. 4 is a block diagram illustrating an example of a schematic configuration of the point server 1 according to the present embodiment. As shown in FIG. 4, the point server 1 includes a communication unit 11, a storage unit 12, an input / output interface 13, and a system control unit 14. The system control unit 14 and the input / output interface 13 are connected via a system bus 15.

  The communication unit 11 is connected to the network NW and controls the communication state with the cash register 3 and the like.

  The storage unit 12 is configured by, for example, a hard disk drive. The storage unit 12 stores databases such as a member DB 12a, a card DB 12b, a transaction target DB 12c, a point grant history DB 12d, and a point DB 12e. “DB” is an abbreviation for database. FIG. 5 is a diagram illustrating an example of contents registered in the database stored in the storage unit 12 of the point server 1.

  In the member DB 12a, member information related to members of the point service is registered for each member. Specifically, member attributes such as member ID, password, nickname, name, date of birth, gender, zip code, address, telephone number, and e-mail address are registered in the member DB 12a in association with each other. The

  Information on the card associated with the member ID is registered in the card DB 12b. Specifically, a card type, a card number, and a member ID are registered in the card DB 12b for each linked card. The card type indicates the type of the linked card. One of “point card”, “electronic money”, and “credit card” is set as the card type. The card number is identification information for identifying a linked card. The member ID indicates the owner of the linked card.

  Information relating to a transaction target that can be purchased at a store is registered in the transaction target DB 12c. Specifically, for each transaction target, a transaction target ID, a transaction target attribute, and the like are registered in the transaction target DB 12c in association with each other. The transaction target ID is identification information for identifying the transaction target. The transaction target attribute indicates an attribute of the transaction target. The trading target attribute may be a trading target category. For example, when the store is a convenience store, the transaction target attributes include “bento”, “rice ball”, “bread”, “drinking water”, “magazine”, “confectionery”, and the like.

  In the point grant history DB 12d, a point grant history for members is registered as a point grant history. Specifically, in the point grant history DB 12d, as a point grant history, a sequence number, a point grant date and time, a store ID, a register ID, a transaction target ID, a card type, a card number, a member ID, the number of points given, and the like are supported. Attached and registered. The sequence number is an identification number of the point grant history. The point grant date / time is the date / time when the point was granted. The store ID is identification information for identifying a store in which a transaction for which points are to be granted has been performed. The register ID is identification information for identifying the cash register 3 on which an operation for giving points is performed. The transaction target ID indicates a transaction target purchased in a transaction to which points are given. When a plurality of transaction targets are purchased in one transaction, a transaction target ID may be registered in the point grant history DB 12d for each transaction target. The card type and card number are the type and number of the card used for acquiring points. The member ID indicates an account associated with the card used for acquiring points.

  When the cash register 3 acquires a card number from a point card or settlement card used for acquiring points, the cash register 3 generates point receipt data. The point receipt data may include, for example, point grant date / time, store ID, register ID, transaction target attribute, card type, card number, and point number. The cash register 3 may determine the date and time when the card number is read from the card as the point grant date and time. The cash register 3 adds the store ID and the register ID associated with the cash register 3 to the point receipt data. The cash register 3 adds the card number read from the card and the card type of the card to the cash register 3. The cash register 3 calculates the number of points based on the grant rate corresponding to the card type and the purchase price. The point server 1 may calculate the number of points when the point server 1 receives the point receipt data from the cash register 3 instead of the cash register 3. In this case, the point receipt data may include a purchase price. The cash register 3 transmits the point receipt data to the point server 1. The system control unit 14 of the point server 1 acquires a member ID corresponding to the card type and card number included in the point receipt data from the card DB 12b. The system control unit 14 adds the member ID and the sequence number to the point receipt data. Then, the system control unit 14 registers the point receipt data in the point grant history DB 12d as a point grant history. Note that the register ID, the transaction target ID, the card number, and the number of points are not essential information for the point grant history. Moreover, transaction object DB may be memorize | stored in the memory | storage part 12 according to the kind of card | curd.

  In the point DB 12e, the number of points currently held by the member is registered. Specifically, the member ID and the number of points are registered in the point DB 12e in association with each member.

  The storage unit 12 stores various programs such as an operating system and a DBMS (Database Management System).

  The input / output interface 13 performs interface processing between the communication unit 11 and the storage unit 12 and the system control unit 14.

  The system control unit 14 includes a CPU 14a, a ROM 14b, a RAM 14c, and the like. The system control unit 14 controls the entire point server 1 by executing a program stored in the storage unit 12.

[1-4. Management terminal configuration]
Next, the configuration of the management terminal 2 will be described with reference to FIG. 6A.

  FIG. 6A is a block diagram illustrating an example of a schematic configuration of the management terminal 2 according to the present embodiment.

  As illustrated in FIG. 6A, the management terminal 2 includes a communication unit 21, a storage unit 22, an input unit 23, a display unit 24, an input / output interface 25, and a system control unit 26. The system control unit 26 and the input / output interface 25 are connected via a system bus 27.

  The communication unit 21 is connected to the network NW and controls the communication state with the point server 1 and the like.

  The storage unit 22 is configured by, for example, a hard disk or a flash memory. The storage unit 22 stores an operating system, a fraud detection program, and the like. The fraud detection program is an example of an information processing program in the present invention. The fraud detection program is a program for causing the system control unit 14 to detect illegal acquisition of points by a member. The fraud detection program may be downloaded from a server device such as the point server 1 via the network NW, for example. Further, for example, the fraud detection program may be recorded on a recording medium such as an optical disk, a magnetic tape, or a memory card and read via a drive device. The fraud detection program may be a program product.

  The input unit 23 receives an operation by the administrator and outputs a signal corresponding to the operation content to the system control unit 26. Examples of the input unit 23 include a keyboard, a mouse, and a touch panel. The management terminal 2 may not include the input unit 23. For example, the management terminal 2 may be connected to the input unit 23 by wire or wireless.

  The display unit 24 displays information such as images and characters under the control of the system control unit 26. Examples of the display unit 24 include a liquid crystal display, a CRT display, and an LED. The management terminal 2 may not include the display unit 24. For example, the management terminal 2 may be connected to the display unit 24 by wire or wireless.

  The input / output interface 25 performs interface processing between the communication unit 21 to the display unit 245 and the system control unit 26.

  The system control unit 26 includes a CPU 26a, a ROM 26b, a RAM 26c, and the like.

[1-5. Overview of functions of system control unit of management terminal]
Next, the functional outline of the system control unit 26 will be described with reference to FIGS. 6B to 8. FIG. 6B is a diagram illustrating an example of functional blocks of the system control unit 26 of the management terminal 2 according to the present embodiment. The system control unit 26 functions as a first history acquisition unit 261, a second history acquisition unit 262, a comparison unit 263, a determination unit 264, and the like as illustrated in FIG. 6B by the CPU 26a reading and executing the fraud detection program. To do. The first history acquisition unit 261 is an example of a first acquisition unit of the present invention. The second history acquisition unit 262 is an example of a second acquisition unit of the present invention. The comparison unit 263 is an example of comparison means of the present invention. The determination unit 264 is an example of determination means, first reference value determination means, and second reference value determination means of the present invention.

  The 1st history acquisition part 261 is a plurality of point grant history which shows that a point was acquired by using a target point card, and acquires a plurality of point grant history containing the same target member ID. The point grant history acquired by the first history acquisition unit 261 is referred to as a first point grant history. The target member ID is a member ID of a member for which it is determined whether or not the point has been illegally acquired. The target point card is a point card associated with the target member ID. The member indicated by the target member ID is called the target member. For example, the administrator may input the target member ID. Alternatively, the system control unit 26 may determine whether or not unauthorized acquisition of points has been performed for each of all members. In this case, the first history acquisition unit 261 acquires the member ID of the member as the target member ID every time determination is made for one member. The first history acquisition unit 261 acquires a plurality of point grant histories each including the target member ID via the point server 1. For example, the first history acquisition unit 261 transmits a query including the target member ID and “point card” as a search condition to the point server 1. The point server 1 searches the point grant history DB 12 d for a point grant history including the target member ID and the card type indicating “point card”, and transmits the point grant history to the management terminal 2. At this time, the point server 1 may search for a point grant history including the target member ID, or search for a point grant history having a point grant date and time within a predetermined period from the point grant history including the target member ID. May be. FIG. 7 is a diagram illustrating an example of how the point grant history is acquired. In FIG. 7, the target member ID is “0001”. Five first point grant histories including the target member ID “0001” are acquired.

  The second history acquisition unit 262 points the point card associated with the target member ID based on the first point grant history for each of the plurality of first point grant histories acquired by the first history acquisition unit 261. A point granting history indicating that points have been granted by using a payment card in the same transaction as that used to acquire the transaction is acquired. The point grant history acquired by the second history acquisition unit 262 is referred to as a second point grant history. Specifically, the second history acquisition unit 262 acquires at least the point grant date and the store ID from the first point grant history. The second history acquisition unit 262 determines the period from the reference time before the point grant date to the reference time after the point grant date as the condition period. The reference time is set in advance. For example, the administrator may determine the reference time. The second history acquisition unit 262 transmits a query including the condition period, the store ID, and “electronic money or credit card” as search conditions to the point server 1. The point server 1 gives a point grant history whose point grant date / time is within a condition period among point grant histories including a store ID of a search condition and a card type indicating “electronic money” or “credit card”. Search from the history DB 12d. Then, the point server 1 transmits the point grant history to the management terminal 2. In other words, in the same store where the point card was used, the point card was used when the point was given using the payment card within the reference time from the date and time when the point was given using the point card. It is presumed that points were awarded by using a settlement card in the same transaction as the transaction.

  Depending on the store, a plurality of cash registers 3 may be installed. Therefore, the second history acquisition unit 262 may add the register ID included in the first point grant history to the search condition. The point server 1 searches the point grant history including the register ID included in the search condition. As shown in FIG. 7, the second point grant history is acquired corresponding to each of the five first point grant histories. FIG. 7 shows an example when the reference period is 10 seconds. For example, the first point grant history including the member ID “0001”, the point grant date and time “2015/1/15 14:23:58”, the store ID “0035”, and the register ID “003” is acquired. On the other hand, the second point grant history including the member ID “0003”, the point grant date and time “2015/1/15 14:24:02”, the store ID “0035”, and the register ID “003” is acquired. The store ID and the register ID match between these point grant histories. Also, the difference in point grant date is 4 seconds. Therefore, it is presumed that these point grant histories indicate that points are acquired using the point card and the settlement card in the same transaction. These point grant histories are recognized as a pair.

  When the first point grant history does not include the register ID, the second history acquisition unit 262 may acquire the number of points from the first point grant history. The second history acquisition unit 262 calculates the purchase price range based on the acquired number of points and the point grant rate by the point card. The second history acquisition unit 262 calculates the range of the number of points acquired using the payment card based on the range of the purchase price and the point grant rate by the payment card. It is assumed that the number of points included in the first point grant history is 30 points. It is assumed that the point grant rate by the point card is 0.01. In this case, the range of purchase price is 3000-3099 yen. It is assumed that the point grant rate by the payment card is 0.005. In this case, the range of the number of points corresponding to the purchase price range is 15 to 15 points. It is assumed that the number of points included in the first point grant history is 30 points, the point grant rate by the point card is 0.005, and the point grant rate by the settlement card is 0.01. In this case, the range of the number of points corresponding to the purchase price range is 60 to 61 points. The second history acquisition unit 262 may add the calculated range of the number of points to the search condition. The point server 1 searches the point grant history including the number of points within the range of the number of points included in the search condition. The second history acquisition unit 262 may add both the register ID and the point range to the search condition.

  There may be a case where a plurality of point grant histories by a payment card are acquired for one first point grant history. In that case, the 2nd history acquisition part 262 determines the point grant history containing the point grant date and time nearest to the point grant date and time of the 1st point grant history among a plurality of point grant history as the 2nd point grant history. Also good.

  The comparison unit 263 compares the member ID included in the second point grant history with the target member ID for each second point grant history acquired by the second history acquisition unit 262. Specifically, the comparison unit 263 determines whether the member ID included in the second point grant history matches the target member ID. If the member IDs do not match, the target member may have obtained points illegally. The comparison unit 263 counts the number of second point grant histories satisfying the determination condition among the plurality of second point grant histories acquired by the second history acquisition unit 262. The determination condition includes at least a condition that the second point grant history includes a member ID that does not match the target member ID. The larger the number of second point grant histories that satisfy the count condition, the higher the probability that the target member has illegally obtained points. The comparison unit 263 may calculate the appearance frequency as the number of second point grant histories that satisfy the count condition. For example, the 1st history acquisition part 261 acquires the 1st point grant history whose point grant date is within a predetermined period. The comparison unit 263 calculates the divisor by dividing the predetermined period by the unit period. The comparison unit 263 calculates the average of the number of appearances of the second point grant history per unit period as the appearance frequency by dividing the total number of second point grant histories that satisfy the count condition by the divisor. This appearance frequency indicates the frequency at which point acquisition is performed in a mode that satisfies the count condition. The unit period may be, for example, 1 hour, predetermined time, 1 day, 1 week, 1 month, or the like. In the example illustrated in FIG. 7, the member IDs of the first, second, fourth, and fifth second point grant histories in the order of the point grant date / time do not match the target member ID “0001”. Therefore, these second point grant histories may satisfy the count condition.

  The count condition may be that the second point grant history includes a member ID that does not match the target member ID. FIG. 8 is a diagram illustrating an example of counting the number of second point grant histories that satisfy the count condition. As illustrated in FIG. 8, the first history acquisition unit 261 acquires nine first point grant histories including the target member ID “0001”. The 2nd history acquisition part 262 acquired the 2nd point grant history corresponding to each 1st point grant history. The member ID of the first second point grant history in the order of the point grant date is “0001”. Therefore, this member ID matches the target member ID. The member IDs of the second to ninth point grant histories are “0002”, “0003”, “0003”, “0003”, “0003”, “0004”, “0005”, “0004”. Therefore, these member IDs do not match the target member ID. Therefore, the number of second point grant histories satisfying the count condition is eight.

  As a result of the comparison of the member IDs by the comparison unit 263, the determination unit 264 is a point card issued to the target member based on the fact that the member IDs included in at least two second point grant histories do not match the target member ID It is determined that the acquisition of points using is illegal. Specifically, when the number counted by the comparison unit 263 is equal to or greater than the counter threshold, the determination unit 264 determines that the acquisition of points using the point card issued to the target member is illegal. The counter threshold is set to a value of 2 or more. For example, the counter threshold value may be set in advance by the administrator.

  If the member IDs are mismatched only once, it may not be considered illegal. For example, the target member may have a plurality of accounts in the point service. In this case, the target member can acquire points with a point card associated with one account and can acquire points with a payment card associated with another account. Such an act is not illegal. Further, for example, the target member's family may have a point service account. In this case, the target member or family can acquire points with the point card linked to the account of the target member, and can acquire points with the payment card linked to the account of the family. This is not illegal. As described above, if the member IDs do not match, there is a possibility that fraud has been performed. However, there is a case where it is impossible to declare that fraud has been performed only once. Therefore, the counter threshold value is set to a value of 2 or more.

  Fraud is not necessarily performed in all of a plurality of transactions in which a point card and a settlement card associated with different member IDs are used. Also, it is not important to specify which of these transactions is fraudulent. For example, the counter threshold value is set to a value corresponding to determining that fraud has been performed in at least one transaction among a plurality of transactions using a point card and a payment card associated with different member IDs. Just do it.

  In the example shown in FIG. 8, it is assumed that the counter threshold value is 6. In this case, the determination unit 264 determines that the acquisition of points using the point card linked to the target member ID “0001” is illegal.

  The determination unit 264 may calculate the total number of points acquired by the target member using a point card or the number of points acquired per unit period based on the first point history. Then, the determination unit 264 receives the point card issued to the target member only when the number counted by the comparison unit 263 is equal to or greater than the counter threshold and the number of points acquired by the target member is equal to or greater than the predetermined threshold. It may be determined that the acquisition of the used points is illegal.

  The determination unit 264 outputs a determination result. For example, the determination unit 264 may display a message indicating the determination result on the display unit 24. Further, for example, the determination unit 264 may generate a list of member IDs of the members determined to be fraudulent and store the list in the storage unit 22.

[1-6. Operation of information processing system]
Next, the operation of the information processing system S will be described with reference to FIGS. FIG. 9 is a flowchart illustrating an example of fraud determination processing of the system control unit 26 of the management terminal 2 according to the present embodiment. The system control unit 26 executes fraud determination processing according to the fraud detection program. For example, when the administrator inputs the target member ID, the system control unit 26 may start the fraud determination process. Alternatively, the system control unit 26 may activate the fraud detection program periodically or based on the operation of the administrator, and execute fraud determination processing for each of all members.

  As shown in FIG. 1, the first history acquisition unit 261 acquires the target member ID (step S1). For example, the first history acquisition unit 261 may acquire the target member ID input by the administrator using the input unit 23. When executing the fraud determination process for each of all the members, the first history acquisition unit 261 may acquire the member ID targeted for the fraud determination process this time as the target member ID. In addition, the first history acquisition unit 261 initializes the history list.

  Next, the first history acquisition unit 261 acquires a plurality of point grant histories of the point card associated with the target member ID as the first point grant history (step S2). Specifically, the first history acquisition unit 261 transmits a query including the target member ID and “point card” to the point server 1. The first history acquisition unit 261 acquires the first point grant history transmitted from the point server 1 in response to this query via the communication unit 21.

  Next, the second history acquisition unit 262 sets the number i to 1 (step S3). Next, the second history acquisition unit 262 obtains the point grant history of the payment card in the same transaction as the transaction corresponding to the first first point grant history, the second point Obtained as an assignment history (step S4). Specifically, the second history acquisition unit 262 acquires a point grant date and time, a store ID, and a register ID from the i-th first point grant history. The second history acquisition unit 262 calculates the start date and time and end date and time of the determination period by subtracting the reference time from the point grant date and adding the reference time to the point grant date and time. The second history acquisition unit 262 transmits a query including the determination period, the acquired point grant date / time, the store ID, and the register ID to the point server 1. The second history acquisition unit 262 acquires the second point grant history transmitted from the point server 1 in response to this query via the communication unit 21.

  Next, the second history acquisition unit 262 adds a pair of the i-th first point grant history and the second point grant history acquired in Step S4 to the history list (Step S5). In some cases, the payment card may not be used in the same transaction as the transaction in which points are acquired by the point card. For example, the purchase price may be settled with cash. Alternatively, payment may be made with a payment card that is not linked to the point service account or a payment card that cannot be linked to the account. In this case, the second point grant history corresponding to the first point grant history is not stored in the point grant history DB 12d. Accordingly, in this case, the second history acquisition unit 262 does not add the point grant history pair to the history list.

  Next, the second history acquisition unit 262 determines whether the number i is less than the number of first point grant history acquired in step S2 (step S6). At this time, if the second history acquisition unit 262 determines that the number i is less than the number of first point grant histories (step S6: YES), the process proceeds to step S7. In step S7, the second history acquisition unit 262 increments the value of the number i by 1, and proceeds to step S4. On the other hand, if the second history acquisition unit 262 determines that the number i is not less than the number of first point grant histories (step S6: NO), the process proceeds to step S8.

  In step S8, the determination unit 264 performs a counter threshold setting process. In the counter threshold value setting process, the determination unit 264 sets the counter threshold value to a predetermined value. Next, the determination unit 264 sets the counter N to 0 (step S9). Next, the comparison unit 263 performs a count process (step S10).

  FIG. 10 is a flowchart illustrating an example of the count process of the system control unit 26 of the management terminal 2 according to the present embodiment. As shown in FIG. 10, the comparison unit 263 sets the number i to 1 (step S21). Next, the comparison unit 263 acquires the member ID included in the second point grant history from the i-th point grant history pair in the history list as the member ID [i] (step S22). Next, the comparison unit 263 determines whether or not the member ID [i] matches the target member ID (step S23). At this time, if the comparison unit 263 determines that the member ID [i] matches the target member ID (step S23: YES), the comparison unit 263 proceeds to step S25. On the other hand, when the comparison unit 263 determines that the member ID [i] does not match the target member ID (step S23: NO), the comparison unit 263 proceeds to step S24. In step S24, the comparison unit 263 increments the value of the counter N by 1, and proceeds to step S25.

  In step S25, the comparison unit 263 determines whether the number i is less than the number of point grant history pairs included in the history list. At this time, if the comparison unit 263 determines that the number i is less than the number of pairs (step S25: YES), the comparison unit 263 proceeds to step S26. In step S26, the comparison unit 263 increments the value of the number i by 1 and proceeds to step S22. On the other hand, if the comparison unit 263 determines that the number i is not less than the number of pairs (step S25: NO), the comparison process ends.

  When the counting process ends, the determination unit 264 determines whether or not the counter N is equal to or greater than the counter threshold as illustrated in FIG. 9 (step S11). At this time, if the determination unit 264 determines that the counter N is greater than or equal to the counter threshold (step S11: YES), the determination unit 264 proceeds to step S12. In step S12, the determination unit 264 sets the determination result to “unauthorized” and proceeds to step S14. On the other hand, when the determination unit 264 determines that the counter N is not greater than or equal to the counter threshold (step S11: NO), the determination unit 264 proceeds to step S13. In step S13, the determination unit 264 sets the determination result to “valid”, and proceeds to step S14.

  In step S14, the determination unit 264 outputs a determination result. For example, the determination unit 264 may display the determination result on the display unit 24. Alternatively, the determination unit 264 may output the target member ID and the determination result to a predetermined list file. When step S14 ends, the determination unit 264 ends the fraud determination process.

  As described above, according to the present embodiment, the system control unit 26 acquires a plurality of first point grant histories including the same target member IDs linked to the target point card. In addition, the system control unit 26 uses a payment card in the same transaction as the transaction in which the target point card is used based on the first point grant history for each of the acquired first point grant histories. A second point grant history indicating that points have been granted is acquired. The system control unit 26 compares the member ID included in the second point grant history with the target member ID for each acquired second point grant history. Further, as a result of the comparison, the system control unit 26 is illegal to acquire points using the target point card based on the fact that the member IDs included in the at least two second point grant histories do not match the target member ID. It is determined that Therefore, the system control unit 26 can detect an act in which a store clerk illegally acquires points using his / her own point card when the customer does not acquire points using the point card at the store.

  Further, the system control unit 26 includes at least a condition that includes a member ID that does not match the target member ID among a plurality of second point grant histories acquired based on the plurality of acquired first point grant histories. The number of second point grant histories that satisfy the condition may be counted. Further, when the counted number is equal to or greater than the counter threshold, the system control unit 26 may determine that the acquisition of points using the target point card is illegal. In this case, the system control unit 26 is based on a comparison between the number of transactions satisfying the count condition including at least the condition that the target point card and the settlement card associated with different member IDs are used, and the counter threshold value. Thus, it can be determined whether fraud has been performed.

  In addition, the system control unit 26 may count the number of second point grant histories including a member ID that does not match the target member ID. In this case, the system control unit 26 can determine whether fraud has been performed based on the number of transactions in which the target point card and the payment card associated with different member IDs are used.

[2. Second Embodiment]
[2-1. Overview of system control functions]
Next, the functional outline of the system control unit 26 in the second embodiment will be described with reference to FIG. Except as described below, the second embodiment is basically the same as the first embodiment. In the present embodiment, the comparison unit 263 counts the number of second point grant histories including a member ID that does not match the target member ID among the plurality of second point grant histories acquired by the second history acquisition unit 262. . However, the comparison unit 263 determines whether or not there are a predetermined number or more of second point grant histories including the same member ID among the plurality of second point grant histories. When there are a predetermined number or more of the second point grant histories including the same member ID, the comparison unit 263 specifies these second point grant histories as the third point grant history. Then, the comparison unit 263 does not include the third point grant history in the second point grant history that is counted. That is, the comparison unit 263 counts the number of second point grant histories after excluding the third point grant history from the second point grant history acquired by the second history acquisition unit 262.

  The third point grant history indicates that points have been acquired more than a predetermined number of times using a payment card associated with a member ID that is different from the target member ID associated with the point card used to acquire the points. Show. In this case, the target member routinely owns a payment card linked to another account owned by the target member or an account of a family member, etc. There is a probability that points were acquired with a point card linked to the member's account. Acquiring such points is a legitimate act. Therefore, the comparison unit 263 counts the number of second point grant histories including member IDs that do not match the target member ID, excluding the acquisition of points with a legitimate probability.

  An exclusion threshold is set to determine whether or not the second point grant history including the same member ID is the third point grant history. When the number of second point grant histories including the same member ID is equal to or greater than the exclusion threshold, the comparison unit 263 determines that the second point grant history is the third point grant history. The exclusion threshold is a value of 2 or more, for example. For example, the administrator may set the exclusion threshold in advance.

  The comparison unit 263 may calculate the appearance frequency as the number of second point grant histories including the same member ID. For example, for each member ID included in a plurality of second point grant histories acquired by the second history acquisition unit 262, the comparison unit 263 is the number of times the second point grant history including the member ID appears per unit period. Is calculated as the appearance frequency. The comparison unit 263 specifies the second point grant history including the member ID whose appearance frequency is equal to or higher than the exclusion threshold as the third point grant history.

  The count condition of the present embodiment is that the second point grant history includes a member ID that does not match the target member ID, and the number of other second point grant histories that include the same member ID as the member ID is the exclusion threshold. It may be less than -1.

  FIG. 11 is a diagram illustrating an example of counting the number of second point grant histories that satisfy the count condition. As shown in FIG. 11, as in the case of the example of FIG. 8, the first point grant history and the second point grant history were acquired. Of the nine point grant history pairs, the member IDs of the second to ninth point grant histories do not match the target member ID “0001”. Each of the second to ninth point grant histories includes any of member IDs “0002” to “0005”. The number of second point grant histories including the member ID “0002” is one. The number of second point grant histories including the member ID “0003” is four. The number of the fourth point grant history including the member ID “0004” is two. The number of second point grant histories including the member ID “0005” is one. When the exclusion threshold is 3, only the second point grant history including the member ID “0003” in the second point grant history is the third point grant history. Therefore, the second point grant history that satisfies the count condition includes any one of the member IDs “0002”, “0004”, and “0005”. Therefore, the number of second point grant histories satisfying the count condition is four.

  The counter threshold value compared with the number of second point grant histories satisfying the count condition may be the same as or different from that in the first embodiment.

[2-2. Operation of information processing system]
Next, the operation of the information processing system S will be described with reference to FIG. FIG.12 and FIG.13 is a flowchart which shows an example of the count process of the system control part 26 of the management terminal 2 which concerns on this embodiment. 12, processes similar to those in FIG. 10 are given the same reference numerals.

  As shown in FIG. 12, the comparison unit 263 initializes the member ID list (step S31). Next, the comparison unit 263 executes Steps S21 to S23. If the comparison unit 263 determines in step S23 that the member ID [i] matches the target member ID (step S23: YES), the comparison unit 263 proceeds to step S25. On the other hand, when the comparison unit 263 determines that the member ID [i] does not match the target member ID (step S23: NO), the comparison unit 263 proceeds to step S32.

  In step S32, the comparison unit 263 determines whether or not the member ID [i] is included in the member ID list. At this time, if the comparison unit 263 determines that the member ID [i] is included in the member ID list (step S32: YES), the comparison unit 263 proceeds to step S35. on the other hand. If the comparison unit 263 determines that the member ID [i] is not included in the member ID list (step S32: NO), the comparison unit 263 proceeds to step S33.

  In step S33, the comparison unit 263 adds the member ID [i] to the member ID list. Next, the comparison unit 263 sets the counter n [member ID [i]] to 1 (step S34), and proceeds to step S25. In step S35, the comparison unit 263 increments the value of the counter n [member ID [i]] by 1, and proceeds to step S25.

  If the comparison unit 263 determines in step S25 that the number i is less than the number of pairs (step S25: YES), the comparison unit 263 proceeds to step S26. In step S26, the comparison unit 263 increments the value of the number i by 1 and proceeds to step S22. On the other hand, if the comparison unit 263 determines that the number i is not less than the number of pairs (step S25: NO), the comparison unit 263 proceeds to step S36.

  As shown in FIG. 13, in step S36, the comparison unit 263 sets the number j to 1. Next, the comparison unit 263 acquires the j-th member ID from the member ID list as the member ID [j] (step S37). Next, the comparison unit 263 determines whether or not the counter n [member ID [j]] is less than the exclusion threshold (step S38). At this time, if the comparison unit 263 determines that the counter n [member ID [j]] is less than the exclusion threshold (step S38: YES), the comparison unit 263 proceeds to step S39. On the other hand, when the comparison unit 263 determines that the counter n [member ID [j]] is not less than the exclusion threshold (step S38: NO), the comparison unit 263 proceeds to step S40.

  In step S39, the comparison unit 263 adds the counter n [member ID [j]] to the counter N. Next, the comparison unit 263 determines whether the number j is less than the number of member IDs included in the member ID list (step S40). At this time, if the comparison unit 263 determines that the number j is less than the number of member IDs (step S40: YES), the comparison unit 263 proceeds to step S41. In step S41, the comparison unit 263 increments the value of the number j by 1 and proceeds to step S37. On the other hand, when it is determined that the number j is not less than the number of member IDs (step S40: NO), the comparison unit 263 ends the counting process.

  As described above, according to the present embodiment, when the system control unit 26 has a predetermined number or more of the third point grant history including the same member ID among the plurality of acquired second point grant histories. These third point grant histories are not included in the second point grant history that is counted. Therefore, the system control unit 26 can determine whether fraud has been performed by excluding transactions that have a probability that points have been acquired legitimately.

[3. Third Embodiment]
[3-1. Overview of system control functions]
Next, the functional outline of the system control unit 26 in the third embodiment will be described with reference to FIG. Except as described below, the third embodiment is basically the same as the first embodiment or the second embodiment. In the present embodiment, the comparison unit 263 counts the number of second point grant histories including a member ID that does not match the target member ID among the plurality of second point grant histories acquired by the second history acquisition unit 262. . However, the comparison unit 263 determines whether or not there are a plurality of second point grant histories including the same member ID among the plurality of second point grant histories. When there are a plurality of second point grant histories including the same member ID, the comparison unit 263 specifies these second point grant histories as a fourth point grant history. And the comparison part 263 includes only one among several 4th point provision log | history in the 2nd point provision log | history by which a number is counted. That is, the comparison unit 263 performs the count only once for each different member ID included in the plurality of second point grant histories acquired by the second history acquisition unit 262. In other words, among the multiple transactions that the target member has acquired points with the point card so far, payment is performed using the payment card linked to the number of accounts different from the account of the target member. Is counted. The higher the number of other accounts for which payment cards are used to acquire points by the target member, the higher the probability that fraud has been performed. In addition, when a payment card associated with a member ID different from the target member ID is used, there is a possibility that an illegal acquisition of points using a point card has been performed. On the other hand, as described in the second embodiment, even if the member ID is different from the target member ID, if the payment card associated with the member ID has been used many times, There is a probability that the acquisition of the points used is valid. Therefore, the comparison unit 263 calculates that the transaction satisfying the count condition is performed once when the transaction in which the settlement using the settlement card associated with the same member ID is performed a plurality of times.

  The count condition of the present embodiment is that the second point grant history includes a member ID that does not match the target member ID, and other second point grant histories that include the same member ID as the member ID so far are counted. It may be that it is not the target of.

  FIG. 14 is a diagram illustrating an example of counting the number of second point grant histories that satisfy the count condition. As shown in FIG. 14, as in the case of the example of FIG. 8, the first point grant history and the second point grant history were acquired. Of the nine point grant history pairs, the first second point grant history includes the target member ID “0001”. Therefore, the counter N remains “0”. The second second point grant history includes the member ID “0002”. Since the member ID “0002” has not yet been counted, the counter N is updated to “1”. The second second point grant history includes a member ID “0003”. Since the member ID “0003” has not yet been counted, the counter N is updated to “2”. The fourth to sixth second point grant histories each include a member ID “0003”. Since the member ID “0003” has already been counted, the counter N remains “2”. The seventh second point grant history includes the member ID “0004”. Since the member ID “0004” has not yet been counted, the counter N is updated to “3”. The eighth second point grant history includes the member ID “0005”. Since the member ID “0005” has not yet been counted, the counter N is updated to “4”. The ninth second point grant history includes the member ID “0004”. Since the member ID “0004” has already been counted, the counter N remains “4”. Therefore, the number of second point grant histories satisfying the count condition is four.

  The counter threshold value compared with the number of second point grant histories satisfying the count condition may be the same as or different from the case of the first embodiment or the second embodiment.

[3-2. Operation of information processing system]
Next, the operation of the information processing system S will be described with reference to FIG. FIG. 15 is a flowchart illustrating an example of count processing of the system control unit 26 of the management terminal 2 according to the present embodiment. In FIG. 15, processes similar to those in FIG. 12 are denoted by the same reference numerals.

  As illustrated in FIG. 15, the comparison unit 263 executes Step S31 and Steps S21 to S23. If the comparison unit 263 determines in step S23 that the member ID [i] matches the target member ID (step S23: YES), the comparison unit 263 proceeds to step S25. On the other hand, when the comparison unit 263 determines that the member ID [i] does not match the target member ID (step S23: NO), the comparison unit 263 proceeds to step S32.

  If the comparison unit 263 determines in step S32 that the member ID [i] is included in the member ID list (step S32: YES), the comparison unit 263 proceeds to step S25. on the other hand. If the comparison unit 263 determines that the member ID [i] is not included in the member ID list (step S32: NO), the comparison unit 263 proceeds to step S33.

  In step S33, the comparison unit 263 adds the member ID [i] to the member ID list. Next, the comparison unit 263 increments the value of the counter N by 1 (step S51), and proceeds to step S25.

  If the comparison unit 263 determines in step S25 that the number i is less than the number of pairs (step S25: YES), the comparison unit 263 proceeds to step S26. In step S26, the comparison unit 263 increments the value of the number i by 1 and proceeds to step S22. On the other hand, if the comparison unit 263 determines that the number i is not less than the number of pairs (step S25: NO), the comparison process ends.

  As described above, according to the present embodiment, when there are a plurality of fourth point grant histories including the same member ID in the plurality of second point grant histories acquired, Only one of the fourth point grant histories is included in the second point grant history counted. Accordingly, the system control unit 26 can count the number of accounts used for payment by the payment card, and therefore can determine whether fraud has been performed.

[4. Fourth Embodiment]
[4-1. Overview of system control functions]
Next, the functional outline of the system control unit 26 in the fourth embodiment will be described. Except for the points described below, the fourth embodiment is basically the same as the first to third embodiments. In the present embodiment, the determination unit 264 variably sets a counter threshold value that is compared with the number counted by the comparison unit 263. Specifically, the determination unit 264 includes, in the store where the point card associated with the target member ID is used, based on the plurality of second point grant histories acquired by the second history acquisition unit 262. It is determined whether or not there is a store where only the payment card associated with the member ID that matches the member ID is used for payment. When there is at least one store where only the payment card associated with the member ID matching the target member ID is used for payment, the determination unit 264 makes the counter threshold value smaller than that.

  For example, if a store clerk is cheating, the store clerk can use the point card to obtain points illegally by multiplying payment using another person's payment card only at a specific store such as the store where the store clerk works. There is a probability of doing. In a store other than a specific store, a store clerk cannot usually multiply payment using another person's payment card. In a store other than the specific store, the store clerk performs payment using the store clerk's own payment card and legitimately acquires points using the point card. Accordingly, in the second point grant history at the specific store, there is a second point grant history including a member ID that does not match the target member ID. On the other hand, only the second point grant history including the member ID that matches the target member ID exists in the second point grant history at stores other than the specific store. When there is such a difference between a specific store and other stores, the probability of fraud is increased. If the target member uses the payment card associated with the member ID that does not match the target member ID on a daily basis for payment, the point member can use the point card to acquire the points legally. There is also a second point grant history including a member ID that does not match the target member ID.

[4-2. Operation of information processing system]
Next, the operation of the information processing system S will be described with reference to FIG. FIG. 16 is a flowchart illustrating an example of threshold setting processing of the system control unit 26 of the management terminal 2 according to the present embodiment. The threshold setting process is the process of step S8 in the fraud determination process shown in FIG.

  As illustrated in FIG. 16, the determination unit 264 sets the counter threshold value to a preset initial value (step S61). Next, the determination unit 264 divides the point grant history pairs included in the history list into one or more groups based on the store ID (step S62). That is, the determination unit 264 performs grouping so that the point grant history included in each group includes only the same store ID. Next, the determination unit 264 selects one of the plurality of groups (Step S63). Next, the determination unit 264 acquires a member ID from each second point grant history included in the selected group (step S64). Next, the determination unit 264 determines whether or not all of the acquired member IDs match the target member ID (step S65). At this time, if the determination unit 264 determines that all of the acquired member IDs match the target member ID (step S65: YES), the determination unit 264 proceeds to step S66. On the other hand, if the determination unit 264 determines that at least one of the acquired member IDs does not match the target member ID (step S65: NO), the determination unit 264 proceeds to step S67.

  In step S66, the determination unit 264 subtracts a predetermined value from the counter threshold value, and ends the threshold value setting process.

  In step S67, the determination unit 264 determines whether there is a group that has not yet been selected among the plurality of groups identified in step S62. At this time, if the determination unit 264 determines that there is a group that has not yet been selected (step S67: YES), the process proceeds to step S68. In step S68, the determination unit 264 selects one of the groups not yet selected, and proceeds to step S64. On the other hand, if the determination unit 264 determines that all the groups have been selected (step S67: NO), the threshold setting process ends.

  As described above, according to the present embodiment, the system control unit 26 acquires the second point grant history including the member ID and the store ID for identifying the store where the transaction was performed. In addition, the system control unit 26 matches the target member ID in the stores indicated by the plurality of store IDs included in the plurality of second point grant histories based on the acquired second point grant histories. When it is determined that there is a store where only the payment card associated with the member ID to be used is used for payment, the counter threshold value is made smaller than when there is no such store. Therefore, the system control unit 26 can appropriately determine whether fraud has been performed.

[5. Fifth Embodiment]
[5-1. Overview of system control functions]
Next, an outline of functions of the system control unit 26 in the fifth embodiment will be described. Except for the points described below, the fifth embodiment is basically the same as the first to fourth embodiments. Also in the present embodiment, the determination unit 264 variably sets a counter threshold value that is compared with the number counted by the comparison unit 263. Specifically, the determination unit 264 calculates the purchase frequency of the transaction target with respect to the transaction target attribute of each transaction target purchased in the transaction in which points are acquired by the point card associated with the target member ID. The purchase frequency of a transaction target is, for example, the average number of transactions in which a transaction target having a target transaction target attribute is purchased per unit period. The unit period may be, for example, 1 hour, predetermined time, 1 day, 1 week, 1 month, or the like. When the purchase frequency of the transaction target having the same transaction target attribute is equal to or higher than the predetermined transaction target threshold value, the determination unit 264 makes the counter threshold value smaller than that when it is not. When a transaction target having the same transaction target attribute is purchased at a high frequency that cannot normally be performed, there is a high probability that points are illegally acquired using a point card. For example, it is unnatural for the same person to purchase a lunch box 10 times a day, and there is a possibility that fraud has been performed. When the customer uses the payment card to pay the purchase price, and the store clerk has illegally obtained the focus using the point card, the purchase frequency of the transaction target with the same transaction target attribute is unnatural. To be high.

  The determination unit 264 may decrease the counter threshold as the purchase frequency increases. That is, the determination unit 264 may decrease the counter threshold value step by step. Moreover, purchase frequency may become more than a transaction object threshold value about each of several transaction object attributes. In this case, the determination unit 264 may decrease the counter threshold as the number of transaction target attributes whose purchase frequency is equal to or higher than the transaction target threshold. Moreover, the determination part 264 may use a common transaction target threshold value about all the transaction target attributes, and may change a transaction target threshold value according to a transaction target attribute. The determination unit 264 may set the counter threshold value by combining the method of the fourth embodiment and the method of the present embodiment.

[5-2. Operation of information processing system]
Next, the operation of the information processing system S will be described with reference to FIG. FIG. 17 is a flowchart illustrating an example of threshold setting processing of the system control unit 26 of the management terminal 2 according to the present embodiment.

  As shown in FIG. 17, the determination unit 264 sets the counter threshold value to a preset initial value (step S71). Next, the determination unit 264 initializes the attribute list (step S72). Next, the determination unit 264 sets the number i to 1 (step S73). Next, the determination unit 264 specifies an i-th point grant history pair included in the history list. Next, the determination unit 264 acquires the transaction target ID from the second point grant history included in the identified pair. And the determination part 264 acquires the transaction object attribute corresponding to acquired transaction object ID from transaction object DB12c (step S74). Next, the determination unit 264 determines whether or not the acquired transaction target attribute is included in the attribute list (step S75). At this time, if the determination unit 264 determines that the acquired transaction target attribute is included in the attribute list (step S75: YES), the process proceeds to step S78. On the other hand, when the determination unit 264 determines that the acquired transaction target attribute is not included in the attribute list (step S75: NO), the process proceeds to step S76.

  In step S76, the determination unit 264 adds the acquired transaction target attribute to the attribute list. Next, the determination unit 264 sets the number of purchases bn [acquired transaction target attribute] to 1 (step S77), and proceeds to step S79. In step S78, the determination unit 264 increments the value of the number of purchases bn [acquired transaction target attribute] by 1, and proceeds to step S79.

  When a plurality of types of transaction targets are purchased in one transaction, the second point grant history may include a plurality of different transaction target IDs. In this case, the determination unit 264 executes Steps S74 to S78 for each different transaction target ID.

  In step S79, the determination unit 264 determines whether the number i is less than the number of point grant history pairs included in the history list. At this time, if the determination unit 264 determines that the number i is less than the number of pairs (step S79: YES), the process proceeds to step S80. In step S80, the determination unit 264 increments the value of the number i by 1 and proceeds to step S74. On the other hand, if the comparison unit 263 determines that the number i is not less than the number of pairs (step S79: NO), the comparison unit 263 proceeds to step S81.

  In step S81, the comparison unit 263 sets the number k to 1. Next, the comparison unit 263 acquires the kth transaction target attribute from the attribute list as the transaction target attribute [k] (step S82). Next, the comparison unit 263 calculates the purchase frequency of the transaction target having the transaction target attribute [k] (step S83). In the case of the present embodiment, in step S2 in the fraud determination process shown in FIG. Therefore, the determination unit 264 calculates the divisor by dividing the length of the predetermined period by the length of the unit period. The determination unit 264 calculates the purchase frequency by dividing the purchase count bn [transaction target attribute [k]] by the divisor.

  Next, the determination unit 264 determines whether or not the calculated purchase frequency is greater than or equal to the transaction target threshold (step S84). At this time, if the determination unit 264 determines that the purchase frequency is greater than or equal to the transaction target threshold (step S84: YES), the determination unit 264 proceeds to step S85. On the other hand, if the determination unit 264 determines that the purchase frequency is not greater than or equal to the transaction target threshold (step S84: NO), the determination unit 264 proceeds to step S86.

  In step S85, the determination unit 264 subtracts a predetermined value from the counter threshold value, and ends the threshold value setting process.

  In step S86, the determination unit 264 determines whether the number k is less than the number of transaction target attributes included in the attribute list. At this time, if the determination unit 264 determines that the number k is less than the number of transaction target attributes (step S86: YES), the process proceeds to step S87. In step S87, the determination unit 264 increments the value of the number k by 1 and proceeds to step S82. On the other hand, if the determination unit 264 determines that the number k is not less than the number of transaction target attributes (step S86: NO), the threshold setting process is terminated.

  As explained above, according to this embodiment, system control part 26 acquires the 2nd point grant history containing member ID and transaction object ID which identifies the transaction object purchased by transaction. When the system control unit 26 purchases a transaction target having the same attribute based on a plurality of transaction target IDs included in the acquired plurality of second point grant histories, the purchase frequency is equal to or higher than a transaction target threshold. The counter threshold value is made smaller than when it is less than the transaction target threshold value. Therefore, the system control unit 26 can appropriately determine whether fraud has been performed.

1 point server 11 communication unit 12 storage unit 12a member DB
12b Card DB
12c Transaction Target DB
12d point grant history DB
12e point DB
13 Input / output interface 14 System controller 14a CPU
14b ROM
14c RAM
15 System bus 2 Management terminal 21 Communication unit 22 Storage unit 23 Input unit 24 Display unit 25 Input / output interface 26 System control unit 26a CPU
26b ROM
26c RAM
28 System bus 261 First history acquisition unit 262 Second history acquisition unit 263 Comparison unit 264 Determination unit 3 Cash register 31 Bar code reader 32 IC card reader / writer 33 Magnetic card reader 4 User terminal NL, NW Network S Information processing system

Claims (9)

A service is provided with points based on transactions, and points are given based on the fact that payment is performed using a payment object associated with identification information for identifying any account in the service, In addition, the point acquisition object associated with the identification information for identifying one of the accounts in the service is provided for points in the transaction in which the settlement is performed. A plurality of first histories indicating that points have been acquired by using an object, and a plurality of first histories including the same first identification information associated with the target point acquisition object First acquisition means for
For each of the plurality of acquired first histories, points are given by using the settlement object in the same transaction as the transaction using the target point acquisition object based on the first history. Second acquisition means for acquiring a second history including the second identification information associated with the used settlement object,
Comparison means for comparing the first identification information with the second identification information included in the second history for each acquired second history;
As a result of the comparison, based on the fact that the second identification information included in at least two second histories does not match the first identification information, the point acquisition using the target point acquisition object is illegal. Determining means for determining
An information processing apparatus comprising: The information processing apparatus according to claim 1,
The comparison means includes a predetermined condition including at least a condition that the second identification information that does not match the first identification information is included among the plurality of second histories acquired based on the acquired plurality of first histories. Count the number of second histories that meet,
The information processing apparatus according to claim 1, wherein the determination unit determines that the point acquisition using the target point acquisition object is illegal when the counted number is equal to or greater than a reference value. The information processing apparatus according to claim 2,
The information processing apparatus according to claim 1, wherein the comparison unit counts the number of second histories including second identification information that does not match the first identification information. The information processing apparatus according to claim 2 or 3,
The comparing means counts the number of second histories including second identification information that does not match the first identification information, and includes second identification information that is identical to each other in the plurality of acquired second histories. An information processing apparatus characterized in that when there are three or more histories, the third histories are not included in the second histories counted. The information processing apparatus according to any one of claims 2 to 4,
The comparing means counts the number of second histories including second identification information that does not match the first identification information, and includes second identification information that is identical to each other in the plurality of acquired second histories. When there are a plurality of four histories, only one of the fourth histories is included in the second history in which the number is counted. The information processing apparatus according to any one of claims 2 to 5,
The second acquisition means acquires the second history including the second identification information and store identification information for identifying a store where the transaction has been performed,
1st reference value determination means which determines the said reference value, Comprising: The 1st reference value determination means based on these 2nd log | history in the shop which the some shop identification information contained in this 2nd log | history shows When it is determined that there is a store in which only the settlement object associated with the second identification information that matches the identification information is used for settlement, the first reference value that makes the reference value smaller than when there is no store Further comprising a determining means,
The determination means determines that it is illegal to acquire a point at the target store using the target point acquisition object when the counted number is equal to or greater than the determined reference value. An information processing apparatus characterized by the above. The information processing apparatus according to any one of claims 2 to 6,
The second acquisition means acquires the second history including the second identification information and transaction target identification information for identifying a transaction target purchased in a transaction,
A second reference value determining means for determining the reference value, wherein a purchase frequency of a transaction target having the same attribute is equal to or higher than a reference frequency based on a plurality of transaction target identification information included in the plurality of second histories; When it is determined that there is a second reference value determining means for making the reference value smaller than when the purchase frequency is less than the reference frequency,
The determination means determines that it is illegal to acquire a point at the target store using the target point acquisition object when the counted number is equal to or greater than the determined reference value. An information processing apparatus characterized by the above. In an information processing method executed by a computer,
A service is provided with points based on transactions, and points are given based on the fact that payment is performed using a payment object associated with identification information for identifying any account in the service, In addition, the point acquisition object associated with the identification information for identifying one of the accounts in the service is provided for points in the transaction in which the settlement is performed. A plurality of first histories indicating that points have been acquired by using an object, and a plurality of first histories including the same first identification information associated with the target point acquisition object A first acquisition step,
For each of the plurality of acquired first histories, points are given by using the settlement object in the same transaction as the transaction using the target point acquisition object based on the first history. A second acquisition step of acquiring a second history including the second identification information associated with the used settlement object,
A comparison step of comparing the second identification information included in the second history with the first identification information for each of the acquired second histories;
As a result of the comparison, based on the fact that the second identification information included in at least two second histories does not match the first identification information, the point acquisition using the target point acquisition object is illegal. A determination step for determining
An information processing method comprising: Computer
A service is provided with points based on transactions, and points are given based on the fact that payment is performed using a payment object associated with identification information for identifying any account in the service, In addition, the point acquisition object associated with the identification information for identifying one of the accounts in the service is provided for points in the transaction in which the settlement is performed. A plurality of first histories indicating that points have been acquired by using an object, and a plurality of first histories including the same first identification information associated with the target point acquisition object First acquisition means for
For each of the plurality of acquired first histories, points are given by using the settlement object in the same transaction as the transaction using the target point acquisition object based on the first history. Second acquisition means for acquiring a second history including the second identification information associated with the used settlement object,
Comparison means for comparing the first identification information with the second identification information included in the second history for each acquired second history;
As a result of the comparison, based on the fact that the second identification information included in at least two second histories does not match the first identification information, the point acquisition using the target point acquisition object is illegal. Determining means for determining
An information processing program that functions as a computer program.

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