JP6453601B2 - Settlement information display device and settlement information display method - Google Patents

Description

  The present invention relates to a payment information display device and a payment information display method for displaying payment information corresponding to a payment method associated with a user.

  Conventionally, balances of electronic currency such as credits, points and coupons having a monetary value are managed in a computer, and a user can grasp the balance of electronic currency and the like via the computer. As such a management system, for example, Patent Document 1 discloses a method of displaying information related to settlement using a card when the card is read.

Japanese Patent Application Laid-Open No. 07-073247

  By the way, various cards such as credit cards, prepaid cards, debit cards and the like are known as cards used for commercial transactions. Since these cards have different payment methods, when displaying information related to payment to the user, In addition, it is preferable to display information suitable for each settlement method. In this regard, the conventional method displays information without considering the payment method, and thus has a problem that the payment information suitable for the user cannot be displayed appropriately. In recent years when cards have become widespread, since the types of cards owned by users differ, such a problem appears more prominently.

  The present invention has been made in view of such problems, and an object of the present invention is to provide a settlement information display device and a settlement information display method that appropriately display settlement information suitable for a user.

  In the first aspect of the present invention, a first display screen for displaying information relating to the first settlement method, or a display unit for displaying a second display screen for displaying information relating to the second settlement method, and identification for identifying the user A login control unit that performs login authentication based on information; and when the login authentication is performed, the display unit displays the first display screen or the second display screen based on a payment method associated with the identification information. A payment information display device comprising: a display control unit that displays

  The display control unit displays, as the first display screen, display items corresponding to the first settlement method and the number of points given to the user, and the second settlement screen as the second settlement screen. Display items according to the method and the number of points may be displayed. At this time, the number of points displayed on the first display screen and the second display screen is given based on both the settlement based on the first settlement method and the settlement based on the second settlement method, The number of points common to the first settlement method and the second settlement method can be used.

  In addition, when only one of the first settlement method and the second settlement method is associated with the identification information of the user who has performed login authentication, the display control unit associates the associated settlement When a display screen corresponding to a method is displayed on the display unit, and both the first payment method and the second payment method are associated with the identification information of the user who has performed login authentication, the display is accepted from the user The first display screen or the second display screen may be displayed on the display unit so as to be switchable according to an operation input.

  Moreover, it is good also as providing the touch panel provided in the said display part, and using slide operation with respect to the said touch panel as said operation input.

  In addition, when both the first settlement method and the second settlement method are associated with the identification information of the user who has performed login authentication, the display control unit displays the second information displayed on the display unit. The display screen is switched from the first display screen to the second display screen based on the slide operation on the one display screen, and the display screen is switched based on the slide operation on the second display screen displayed on the display unit. The second display screen may be switched to the first display screen.

  The information processing apparatus further includes an acquisition unit that acquires the contract information associated with the identification information from a management server that manages the user contract information for each user, and the display control unit includes the identification of the user who performed login authentication When both the first payment method and the second payment method are associated with information, a display screen corresponding to the payment method determined based on the acquired contract information may be displayed on the display unit. Good.

  In addition, when both the first payment method and the second payment method are associated with the identification information of the user who has performed login authentication, the display control unit is configured to display the first display screen and the second display. Of the screens, the display screen that was displayed on the display unit at the previous end may be displayed on the display unit.

  Further, the display control unit uses the first settlement method in a predetermined period when both the first settlement method and the second settlement method are associated with the identification information of the user who has performed login authentication. The first display screen or the second display screen may be displayed on the display unit based on the settlement usage status and the settlement usage status using the second settlement method.

  Further, the predetermined period may be a period from the end of the previous time to the login authentication, and the predetermined period may be a period of a predetermined length before the timing when the login authentication is performed.

  The display control unit may display a display screen according to a payment method used for the latest payment among the payments in the predetermined period on the display unit, and the display control unit Of the payment using the first payment method and the payment using the second payment method, a display screen corresponding to a payment method having a large fluctuation amount in the predetermined period may be displayed on the display unit. The display control unit displays, on the display unit, a display screen corresponding to a payment method having a large number of payments in the predetermined period among payments using the first payment method and payments using the second payment method. It is good as well.

  In addition, when both the first payment method and the second payment method are associated with the identification information of the user who has performed login authentication, the display control unit is configured to display the first display screen and the second display. A third display screen different from the screen may be displayed on the display unit.

  In the second aspect of the present invention, a step of performing login authentication based on identification information for identifying a user, and a step of performing login authentication on the display unit based on a payment method associated with the identification information. And a step of displaying a second display screen for displaying information relating to the second payment method, or a first display screen for displaying information relating to the first payment method.

  According to the present invention, payment information suitable for the user can be appropriately displayed.

It is a figure which shows the outline | summary of the electronic currency management system of this invention. It is a figure which shows the system configuration | structure of an electronic currency management system. It is a figure which shows the information managed by a card management server and a carrier server. It is a figure which shows the information managed with a point management server. It is a figure which shows the example of a display screen of a user terminal. It is a figure which shows the operation | movement at the time of card | curd issuing. It is a figure which shows the flow of the process at the time of card | curd issuing. It is a figure which shows the operation | movement at the time of charging a card | curd. It is a figure which shows the operation | movement at the time of purchasing goods using a card | curd. It is a figure which shows the operation | movement at the time of giving a point with respect to a user. It is a figure which shows the operation | movement at the time of providing a user specific service with respect to a user. It is a block diagram which shows the function structure of a user terminal and an electronic currency management apparatus. It is a figure which shows the example of a display screen of a user terminal. It is a figure which shows the operation example at the time of switching the display screen of a user terminal.

[Outline of Electronic Currency Management System S]
First, an outline of the electronic currency management system S will be described with reference to FIG. The electronic currency management system S is a system that manages the balance of electronic currency that can be used by the user using the card 11 and enables the management of the card 11 from the user's mobile phone (hereinafter referred to as user terminal 12). . An electronic currency is an intangible currency having a monetary value, such as credits, points, and coupons. The card is, for example, a credit card or a prepaid card that can be used when purchasing goods or services using electronic currency.

  The user can use the electronic currency stored in the account using the card 11 when the electronic currency is stored in an account associated with the card 11 in advance and purchase of goods or services. In the electronic currency management system S, the user terminal 12 is used by linking the card 11 and the user terminal 12 in the electronic currency management apparatus 10 that can be accessed via, for example, a base station of a mobile phone network. Card management is realized. Specifically, the electronic currency management system S centrally manages the usage history of user terminals and cards used by the user, and centralizes the points given to the users as the user terminals and cards are used. To manage. Further, in the electronic currency management system S, the user terminal 12 is used to charge a prepaid card (payment), check the card balance, points given, usage history, and the like.

The user can store electronic currency in various ways. For example, the user can save electronic money by transferring and charging cash to an account designated by a card number set in the card 11. The user can also store electronic currency by shopping at a physical store or online store using the card 11 and receiving points according to the purchase amount. Since the user can check the balance of the electronic currency associated with the card 11 from the user terminal 12, the user's willingness to accumulate electronic currency and use it for various purposes is increased.
Hereinafter, an example of a specific configuration for realizing the electronic currency management system S will be described.

[System configuration of electronic currency management system S]
FIG. 2 is a diagram showing an example of the system configuration of the electronic currency management system S. As shown in FIG. As shown in FIG. 2, the electronic currency management system S includes a user device 1 and an electronic currency management device 10 accessible by the user device 1. The electronic currency management apparatus 10 includes a card management server 2, a carrier server 3, and a point management server 4.

  The user device 1 is a device used by each user who uses a service provided by the electronic currency management system S, and includes a card 11 and a user terminal 12.

  The card 11 is a card that performs payment using an international brand payment NW50, a credit card that can be used for payment after credit card payment, and payment of the usage amount based on a pre-charged amount. It is a prepaid card that can be made, or a postpay card that postpays the amount of charge. As the card 11, an integrated card that can select any of these payment methods may be used.

  The user terminal 12 is a communication device that performs communication (call) via a communication NW provided by a communication carrier, and is, for example, a mobile phone, a smartphone, a tablet PC, or the like. A predetermined application program is installed in the user terminal 12, and the card 11 can be managed from the user terminal 12 through an application executed based on the program.

  The card management server 2 is a server that manages, for each user, a usage history corresponding to a prepaid payment and a usage history corresponding to a credit card payment method as a usage history of the card 11 and functions as a card management means. . The card management server 2 stores information regarding the card 11. Here, FIG. 3A and FIG. 3B show examples of various information stored in the card management server 2. As shown in FIG. 3A, the card management server 2 stores various information such as a prepaid card number, a balance, and a usage history in association with the management number. Further, as shown in FIG. 3B, the card management server 2 stores various information such as a credit card number, a usage amount, and a usage history in association with the management number. Hereinafter, when both the prepaid card number and the credit card number are indicated, they are simply referred to as “card number”.

  The card number is a number consisting of approximately 16 digits of alphanumeric characters set in the card 11 and is identification information for identifying the card 11. The management number is a number uniquely corresponding to the card number, and is used to identify the card 11 instead of the card number when linking with another server.

  The balance is information indicating the balance of the amount charged in the account designated by the prepaid card number set in the card 11. The usage amount is information indicating the total amount of money settled within a predetermined period (for example, one month from the closing date) by the credit card number set in the card 11. The use history is a history of shopping using the card 11 and includes purchase date and time, products / services to be purchased, purchase price, purchase place (store name), and the like.

  The carrier server 3 is a server used by a communication carrier, and functions as a billing unit that manages a bill amount billed when the user terminal 12 is used. The use of the user terminal includes, for example, use of content or product purchase using a mobile phone and use associated with a communication fee. The carrier server 3 manages the usage history of the user terminal 12 of the service provided by the communication carrier for each user. The carrier server 3 calculates the amount charged to the user based on the usage history. In addition, the carrier server 3 functions as a service providing unit that provides a service that can use points to the user terminal 12. That is, the carrier server 3 functions as an entrance (portal) for providing the service provided by the communication carrier to the user terminal 12. In response to a request from the user terminal 12, the carrier server 3 acquires the balance of the electronic currency stored in the account corresponding to the card number associated with the user ID from the point management server 4, and sends the electronic currency to the user terminal 12. The balance of can be notified. The carrier server 3 may acquire points associated with the user ID from the point management server 4 and notify the user terminal 12 of the point balance.

Here, FIG. 3C illustrates an example of various information managed in the carrier server 3. As shown in FIG. 3C, the carrier server 3 stores various information such as the telephone number of the user terminal 12, the billing amount, the contract ID, and the contractor name in association with the user ID.
The user ID is identification information for identifying the user terminal 12 or a user who uses the user terminal 12. The telephone number is a telephone number set for the user terminal 12 that is a communication terminal. The charged amount is an amount charged to the user when the user terminal 12 is used, and includes, for example, a communication fee and a usage fee for the content used on the user terminal 12. Depending on the communication carrier, not only a mobile phone but also a complex service such as a fixed telephone or cable TV may be provided to the user. Therefore, the billed amount is provided to the user indicated by the user ID. You may include charges for the services you have. The contract ID is identification information for identifying a contract made with a communication carrier, and is information indicating that the contractor has made the contract. Communication carriers sometimes charge communication charges collectively within the same person or family. The contract ID and the contractor name are information for discriminating a range in which charges for communication charges are collected and a target for charging the collected communication charges.

  Although not shown, the carrier server 3 has paid information related to the contract such as the contract deadline and contract date and time of the user terminal 12 and the amount charged according to the use of the user terminal 12 in association with the user ID. Information on payment of communication charges such as being delayed may be stored.

The point management server 4 acquires the usage history of the card managed by the card management server 2, acquires the billing amount of the user terminal 12 managed by the carrier server 3, and performs integrated management managed in association with the user of the user terminal 12 Functions as a means. Further, the point management server 4 provides a service provided to the user indicated by the user terminal 12 or the user ID according to the points given based on the history of use of the card 11 (for example, shopping using the card). It is a server that integrates the points given based on the billing amount generated by the use of, and manages them in association with the user. Here, examples of various information managed in the point management server 4 are shown in FIGS. 4 (A) and 4 (B).
As shown in FIG. 4A, the point management server 4 stores various information such as points and detailed information in association with the management number and the user ID. The user ID is identification information for identifying a user who uses the user terminal 12, and is used when linking with the carrier server 3. The management number is a number uniquely corresponding to the card number, and is used when linking with the card management server 2. The points are the number of points given to the corresponding user based on the billed amount acquired from the carrier server 3 and the usage history of the card 11 acquired from the card management server 2 (that is, the settlement amount of the purchased product). It is information to show. The detailed information is information including the usage history of the card 11 and points and the amount charged by the user terminal 12 managed by the carrier server 3, and the history of shopping using the card 11 and the history of points given to the user. Indicates.

  Further, as shown in FIG. 4B, the point management server 4 stores a point grant rate for calculating points to be granted based on the purchase amount and the charge amount in association with the usage form. As a usage form, the use of the card 11 or the user terminal 12 can be considered, but besides these, depending on whether the store using the card 11 is a normal store or a point preferential store, the rate It is good also as making it differ. Information indicating a store using the card 11 can be acquired by receiving a use history from the card management server 2.

  The point management server 4 may store the balance of the electronic currency managed by the card management server 2 in association with the prepaid card number in association with the user ID. In this case, the point management server 4 updates the stored electronic currency balance in synchronization with the update timing of the electronic currency balance in the card management server 2. In response to a request from the user terminal 12, the point management server 4 reads the balance of the electronic currency stored in association with the user ID corresponding to the user terminal 12 from the storage unit, and via the carrier server 3, The balance can be notified to the user terminal 12. The point management server 4 acquires the electronic currency balance associated with the prepaid card number corresponding to the user ID from the card management server 2 at the timing when the balance of the electronic currency is requested from the user terminal 12. The balance may be notified to the user terminal 12.

  As described above, in the electronic currency management system S, the card management server 2, the carrier server 3, and the point management server 4 cooperate to manage the card number and the user ID in association with each other. That is, the electronic currency management system S associates and manages card identification information and user identification information for identifying a user who uses the user terminal. Specifically, in the electronic currency management system S, the point management server 4 associates the card number with the user ID via the management number associated with both the card number and the user ID.

  And the electronic currency management system S manages the balance of the electronic currency which can be settled with a prepaid card in the card management server 2 in association with the prepaid card number. In response to a request from the user terminal 12, the carrier server 3 sends an electronic currency balance stored in an account corresponding to the prepaid card number associated with the user ID from the card management server 2 via the point management server 4. It is possible to acquire and notify the user terminal 12 of the balance of the electronic currency. By doing in this way, in the electronic currency management system S, it is as if the user manages the electronic currency in association with the user terminal 12 without inputting information on the electronic currency account to the user terminal 12. It is possible to grasp the balance of electronic currency with a sense.

  In the electronic currency management system S having the above configuration, the point management server 4 integrates the usage status of the card 11 managed by the card management server 2 and the usage status of the user terminal 12 managed by the carrier server 3. And achieve point integration. Specifically, the point management server 4 integrates the usage status of the card 11 and the usage status of the user terminal 12 by linking the management number and the user ID.

Since the point management server 4 manages the integrated information in association with the user ID, the usage status of the card 11 and the usage status of the user terminal 12 of the corresponding user can be acquired using the user ID as a key.
Therefore, in the electronic currency management system S, when a user using the user terminal 12 designates a user ID and makes a request, the user can grasp various information managed by the point management server 4. Specifically, when the user terminal 12 transmits predetermined information including a user ID to the carrier server 3, the carrier server 3 acquires various pieces of related information from the point management server 4 using the user ID as a key, and the user Provided to the terminal 12. Note that the point management server 4 and the carrier server 3 may provide the user terminal 12 with difference information with respect to the information provided at the previous request.

[Display screen example of user terminal 12]
Here, an example of a display screen displayed on the user terminal 12 based on various information provided from the carrier server 3 is shown in FIG. FIG. 5A is a display screen 200 showing an example of a top screen displayed during execution of the above-described application, and FIG. 5B is a display showing an example of a menu screen displayed during execution of the application. This is a screen 210.

As shown in FIG. 5A, the display screen 200 includes a card balance display 201, a point number display 202, a charge button 203, and a menu button 204.
The card balance display 201 is a display showing the balance of the prepaid card 11, and the point number display 202 is a display showing the number of points given to the user. The display contents of the card balance display 201 and the point number display 202 are controlled based on the balance and the number of points of the card 11 acquired from the point management server 4 using the user ID as a key.

The charge button 203 is used when the user charges the card 11 with a desired amount. When the charge button 203 is operated and the user performs a predetermined charging operation, a charge request is made to the card management server 2 in cooperation with the user ID and the management number.
The menu button 204 is used when calling up menu screens of various services provided by the carrier server 3. When the menu button 204 is operated, a display screen 210 shown in FIG. 5B is displayed on the user terminal 12.

As shown in FIG. 5B, the display screen 210 includes a point menu 211, a shopping menu 212, and a card menu 213.
The point menu 211 includes a menu that prompts the user to use points, such as “Purchase a product using points” and “Get a privilege (coupon) using points”. Thereby, since various services that can use the points are provided to the user, the user can use the given points in various scenes.

The shopping menu 212 includes a menu that prompts the user to use the card 11 such as “Introduction of point preferential stores” and “Introducing stores that can shop using the card 11”. When the card 11 is used, points according to the purchase amount are given in the point management server 4, and by providing such a menu, it is possible to increase the opportunities for giving points.
The card menu 213 includes a menu for confirming the usage details of the card 11. By selecting this menu, the user can check the usage history of the card 11.

[Operation of Electronic Currency Management System S]
The configuration of the electronic currency management system S has been described above. Next, the operation of the electronic currency management system S will be described with reference to FIGS.

[Operation when issuing a card]
First, the operation at the time of card issuance will be described with reference to FIGS. In the electronic currency management system S, the card 11 is issued in a locked state so that it cannot be used, and the card 11 and the user terminal 12 are linked to release the lock of the card 11. The locked state is, for example, a state in which a request for payment or charge is disabled on the card management server 2 side.
Specifically, as shown in FIG. 6, an IC (Integrated Circuit) chip 111 that can be read by the user terminal 12 is provided in the card 11, and the card is obtained when the user terminal 12 reads the IC chip 111. 11 is unlocked and the card 11 becomes usable. In the present embodiment, an IC chip 111 corresponding to NFC (Near Field Communication) is provided in the card 11, and the user terminal 12 reads the IC chip 111 using its own NFC communication function.

Here, with reference to FIG. 7, an example of processing at the time of card issuance will be described.
First, in step S <b> 1, the card issuer (card management server 2) stores information usable for unlocking in the IC chip 111, and sets the information on the card 11. Note that the information stored in the IC chip 111 is arbitrary information. In this embodiment, for example, a user ID for identifying the user terminal 12 is used. When information usable for unlocking is set in the card 11, the card management server 2 issues the card 11 to the user in step S2.

  When the card 11 issued from the card management server 2 arrives, the user reads the IC chip 111 of the card 11 using the user terminal 12 in step S3. That is, when the user brings the user terminal 12 into contact with the card 11, the NFC function of the user terminal 12 is exhibited, and information usable for unlocking stored in the IC chip 111 is read from the card 11. Subsequently, in step S4, the user terminal 12 determines whether or not the information held by itself matches the read information. If both pieces of information (user ID) match at this time, the user terminal 12 makes a use permission request in step S5, and the card management server 2 releases the lock of the issued card 11 in step S6. , Allow use. On the other hand, if the two pieces of information do not match in step S4, the user terminal 12 performs predetermined error processing in step S7.

In the foregoing, an example of processing at the time of issuing a card has been described. Information that can be used for unlocking the card 11 may be encrypted by a predetermined method. In this case, it is determined whether or not both pieces of information match in the user terminal 12 by holding information obtained by encrypting the user ID of the user terminal 12 or storing encryption key information. be able to.
In the example illustrated in FIG. 7, determination for unlocking is performed in the user terminal 12. In this regard, the determination may be performed not by the user terminal 12 but by any of the card management server 2, the carrier server 3, and the point management server 4.

  When the user terminal 12 reads the IC chip 111 provided on the card 11 after unlocking the card 11, a display screen (for example, the display screen shown in FIG. 5A) displayed during the execution of the above-described application. 200) may be automatically displayed on the user terminal 12. That is, when the user terminal 12 reads the IC chip 111, the user terminal 12 requests various information from the carrier server 3, and displays the information acquired in response to the request.

[Operation when charging]
Next, with reference to FIG. 8, an operation when charging an amount when the card 11 is a prepaid card will be described. In the electronic currency management system S of the present embodiment, a plurality of charging method candidates are provided to the user terminal 12, and the user ID for identifying the user using the user terminal 12 is determined based on the charging method selected in the user terminal 12. It functions as a charging means for charging the balance of the corresponding prepaid electronic currency. FIG. 8A is a display screen 230 showing a charge menu screen displayed when the charge button 203 is operated on the display screen 200 showing the top screen (see FIG. 5A).

  As shown in FIG. 8A, the electronic currency management system S of the present embodiment includes at least a charging method 231, a charging method 232, and a charging method 233 as a method of charging the amount of money to the card 11. The charging method 231 is a charging method in which an amount of money is charged to the card 11 using at least a part of the given points, and charging is performed by converting the points into money at a predetermined rate. The charging method 232 is a charging method for charging using carrier settlement. Carrier payment is to make a payment together with the communication fee of the user terminal 12. In this charging method 232, the charged amount is added to the amount charged by the user terminal 12 and charged. The charging method 233 is a charging method in which charging is performed using a credit card settlement using a credit card different from the card 11. In the charging method 233, when the electronic currency management system S receives an instruction to charge using the credit card settlement from the user terminal 12, the electronic money management system S charges the balance corresponding to the card 11 and the usage amount corresponding to the amount to be charged. Is added to the credit card usage amount, and the usage history corresponding to the amount is added to the credit card usage history. In the present embodiment, only the charging methods 231, 232, and 233 will be described, but the charging method for the card 11 is not limited to these, and may be realized by other methods. For example, a bank account used by the user may be set in advance, and the card 11 may be charged via this bank account.

  FIG. 8B shows a flow of operations of the charging method 231, the charging method 232, and the charging method 233. As shown in FIG. 8B, in step S11, the user terminal 12 makes a charge request to the carrier server 3. In this charge request, the user terminal 12 notifies the carrier server 3 of the charge method and the charge amount together with the user ID.

  Upon receiving the charge request, the carrier server 3 notifies the point management server 4 that the charge request has been received from the user terminal 12 in step S12. Specifically, the carrier server 3 notifies the point management server 4 using the user ID that identifies the user terminal 12 that has received the charge request.

  In step S13, the point management server 4 specifies a management number corresponding to the user ID, and the card associated with the card number set in the card 11 corresponding to the management number with respect to the card management server 2. To charge the requested amount. Upon receiving this notification, the card management server 2 deposits the amount notified to the account corresponding to the card number set in the card 11 of the prepaid card number corresponding to the management number. In detail, the process of step S13 is performed after the processes of steps S14A and B are performed.

  Step S14A is a process executed when the charge method 231 is selected, Step S14B is a process executed when the charge method 232 is selected, and Step S14C is a process executed when the charge method 233 is selected. This process is executed when Note that step S14C is performed after the process of step S13 is performed.

In step S14A, the point management server 4 subtracts a point corresponding to the charge amount from the point associated with the user ID.
In step S14B, the carrier server 3 adds an amount corresponding to the charge amount to the charge amount associated with the user ID, and charges the user at a predetermined timing.

  In step S14C, the card management server 2 adds the charge amount to the usage amount corresponding to the credit card number associated with the management number, and adds the charge amount to the usage history corresponding to the credit card number. Add usage history corresponding to the amount.

  In carrier payment, a payment available frame may be set according to the contents of a contract with a communication carrier. As an example, there may be a case where a settlement frame is set according to the number of months of subscription to a service provided by a communication carrier. For example, a settlement frame of “5000 yen” for a user with a subscription month of “12 months” For a user with a subscription month of “36 months”, a settlement available frame “10,000 yen” is set. In such a case, in the process of step S14B, the carrier server 3 determines whether or not the sum of the charge amount of the current month is within the settleable frame, and only when the carrier server 3 is within the settleable frame. You may enable payment.

[Operation when purchasing a product]
Next, with reference to FIG. 9, an operation when purchasing a product using the card 11 will be described. The card 11 can be used in an actual store or a virtual store on the Internet.
When purchasing a product in an actual store, as shown in step S21A, by reading the card 11 through a card reader, the card number of the card 11 and information related to the product purchase are notified to the settlement NW50 provided by the international brand. The Note that the information related to product purchase is, for example, information such as the purchase price, purchased product, purchased store, and the like. Also, as shown in step S21B, when purchasing a product at a virtual store, the user terminal 12 notifies the settlement NW 50 of the card number of the card 11 and information related to the product purchase.

  When a predetermined payment process is performed in the payment NW 50, in step S22, the payment NW 50 notifies the card management server 2 of the card number and information related to product purchase. As shown in FIG. 3A and FIG. 3B, the card management server 2 manages various information in association with each of the credit card number and the prepaid card number, and is included in the plurality of card numbers. When a single card number and money amount information indicating the purchase price when purchasing a product or service are received, the usage history corresponding to the purchase price is displayed in the usage history corresponding to the payment method related to the received card number. to add.

  For example, when the prepaid card number is received in step S23A, the card management server 2 subtracts the purchase amount from the balance associated with the prepaid card number as shown in FIG. To do. When the card management server 2 receives the credit card number in step S23B, the card management server 2 adds the purchase amount to the usage amount associated with the credit card and adds the usage history as shown in FIG. To do. Subsequently, in step S24, the card management server 2 specifies a management number corresponding to the received card number.

  Subsequently, in step S25, the card management server 2 notifies the point management server 4 of information related to product purchase together with a management number corresponding to the card number. The point management server 4 updates the points associated with the user ID corresponding to the management number based on the acquired information related to product purchase.

[Operation when points are given]
Next, with reference to FIG. 10, an operation when giving points to the user will be described. As described above, in the electronic currency management system S of the present embodiment, points are given according to the purchase of a product using the card 11, and points are also given according to the use of the user terminal 12. Some users have both prepaid cards and credit cards. The points given when the card 11 is used are given based on both the prepaid card and the credit card. That is, the points given with the use of the prepaid card, the points given with the use of the credit card, and the points given with the use of the user terminal 12 are common points.

In the case where points are given according to the purchase of the product, the point management server 4 acquires information related to the product purchase from the card management server 2 together with the management number in step S31. Then, in step S32, the point management server 4 specifies a rate according to the store where the product is purchased, and calculates a point according to the purchase amount based on the rate. Note that the processes in steps S31 and S32 are performed each time the user purchases a product using the card 11.
When the points corresponding to the purchase amount are calculated, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID corresponding to the management number.

In step S <b> 33, the point management server 4 acquires the billed amount from the carrier server 3 together with the user ID. Then, in step S34, the point management server 4 calculates points according to the billed amount based on a predetermined rate. Note that the processing of step S33 and step S34 is performed at the timing when the amount charged is determined.
When the point corresponding to the amount charged is calculated, in step S35, the point management server 4 adds the calculated point to the point stored in association with the user ID.

[Operations when providing services to users]
Next, with reference to FIG. 11, an operation for providing a service unique to the user to the user who uses the electronic currency management system S will be described.

In step S41, when the user terminal 12 accesses the carrier server 3 with the user ID, the carrier server 3 notifies the point management server 4 of the user ID in step S42. In step S43, the point management server 4 acquires information related to the service corresponding to the notified user ID, and notifies the carrier server 3 of the information. In step S44, the service is provided from the carrier server 3 to the user terminal 12. Is done.
The point management server 4 manages the access history for each user ID, and based on this access history, the difference information from the previous access (use amount, charge amount, increase / decrease of points), the current balance and Get the current number of points. Then, the acquired information is provided to the user terminal 12 via the carrier server 3, so that the user terminal 12 displays a difference from the previous time, the current balance, the number of points, and the like.

The service corresponding to the user ID is, for example, a service that makes it possible to confirm the balance of the card 11 owned by the user and the points given, and introduces a product that matches the user's attributes (recommendation). Service.
As an example, the point management server 4 can purchase a product that can be purchased with the balance or points based on the balance or points associated with the user ID, or a little more than the balance or points that can be purchased. Providing services that introduce Further, the point management server 4 provides a service for introducing a product preferred by the user based on a user attribute (gender, age, date of birth, hobby preference) associated with the user ID. Such services can also be provided that have been updated since the previous access.

  Further, the point management server 4 may change the point management server 4 to a state where the points cannot be used when the contract with the service provider using the user terminal 12 is canceled. For example, it is assumed that a communication carrier provides a communication service using the user terminal 12 and gives a point corresponding to the communication fee to the user of the user terminal 12. In this case, when the point management server 4 acquires information from the carrier server 3 that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 deletes the points stored in association with the user terminal 12. When the point management server 4 acquires information that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 may store the point balance with a flag indicating that points cannot be used. When the point management server 4 receives a notification from the carrier server 3 that the user has resumed the contract with the communication carrier within a predetermined period after canceling the contract, the point management server 4 You may make it usable.

[First Embodiment]
The settlement information display device of the present invention is preferably used in the electronic currency management system S described above. Hereinafter, an example of an embodiment for realizing the settlement information display device of the present invention will be described.

[Functional Configuration of User Terminal 12 and Electronic Currency Management Device 10]
First, the functional configuration of the user terminal 12 and the electronic currency management apparatus 10 will be described with reference to FIG. In this embodiment, the user terminal 12 corresponds to the settlement information display device of the present invention. The electronic money management apparatus 10 may be realized by any one of the card management server 2, the carrier server 3, and the point management server 4, and the card management server 2, the carrier server 3, and It may be realized by the cooperation of the point management server 4.

  As illustrated in FIG. 12, the electronic currency management apparatus 10 includes a record storage unit 61 that stores information (contract information) about the contract of the card 11 and history information of the card 11 for each user.

The contract information of the card 11 is information indicating the type of the card 11 with which the user is contracted. For example, “prepaid” is stored as contract information for a user who contracts a prepaid card, and “credit” is stored as contract information for a user who contracts a credit card. In addition, “prepaid / credit” is stored as contract information for a user who has contracted both a prepaid card and a credit card.
Here, in the present embodiment, payment information corresponding to the type of the card 11 with which the user is contracted is displayed on the user terminal 12. Therefore, for users who have contracted with both a prepaid card and a credit card, information related to the type of card 11 giving priority to display (for example, information such as “prepaid priority” and “credit priority”) is stored as contract information. It is good to do.

The history information of the card 11 is information indicating a history (actual result) of shopping using the card 11. Such a history includes, for example, the type (prepaid or credit) of the card 11 used, the date and time when the card 11 was used, the usage amount of the card 11, and the number of points given to the user. When the type of the card 11 with which the user has a contract is “prepaid”, the history information of the card 11 may include the balance of the amount charged to the card 11.
In the payment using the payment NW50 provided by the international brand, after the use frame is secured (authorization), payment is performed by the store performing sales processing. Since it is common for a deviation of a predetermined number of days to occur after the usage frame is secured until the sales process is performed, the usage amount stored as the history information of the card 11 is provisional before the purchase amount is finalized. The purchase amount may be a fixed purchase amount or a fixed purchase amount.

  The contract information and history information of the card 11 stored in the result storage unit 61 includes various information stored in the card management server 2, the carrier server 3 and the point management server 4 constituting the electronic currency management apparatus 10 (FIG. 3 and FIG. 3). (See FIG. 4).

Subsequently, the user terminal 12 includes a display unit 51, a storage unit 52, and a control unit 53.
The display unit 51 includes a liquid crystal display, an organic EL (Electro-Luminescence) display, and the like, and displays settlement information according to the type of the card 11 used by the user based on the control of the control unit 53. The display unit 51 is provided with a touch panel 511 and receives a user operation.

  The storage unit 52 is a memory such as a ROM and a RAM, or a storage medium such as a hard disk. The storage unit 52 stores a program for operating the control unit 53 and data generated when the control unit 53 operates.

  The control unit 53 is a CPU, for example, and functions as a login control unit 531, an acquisition unit 532, and a display control unit 533 by executing a program stored in the storage unit 52.

  The login control unit 531 performs login authentication based on identification information for identifying a user. Specifically, the login control unit 531 performs login authentication based on the user ID and password received from the user. If it is determined by the login authentication that the user is a valid user, the above-described application is executed on the user terminal 12.

  The acquisition unit 532 accesses the result storage unit 61 of the electronic currency management apparatus 10 and acquires the contract information and history information of the card 11 associated with the user ID. The timing at which the acquisition unit 532 accesses the result storage unit 61 is arbitrary. For example, the acquisition unit 532 may access the result storage unit 61 at the timing when the login control unit 531 performs login authentication. Regardless, the result storage unit 61 may be accessed at predetermined time intervals.

When the login control unit 531 performs login authentication and the above-described application is executed, the display control unit 533 performs a predetermined display on the display unit 51 based on the payment method associated with the user ID that performed login authentication. Display the screen. The payment method associated with the user ID can be specified from the contract information acquired by the acquisition unit 532.
An example of the display screen displayed on the display unit 51 is shown in FIG. FIG. 13A is an example of a display screen 200 that displays information about a prepaid card, and FIG. 13B is an example of a display screen 220 that displays information about a credit card.

As shown in FIG. 13A, the display screen 200 includes a card balance display 201 indicating the balance of the amount charged to the prepaid card and a point number display 202 indicating the number of points given to the user. Further, as shown in FIG. 13B, the display screen 220 includes a billing amount display 221 indicating the billing amount for the next month accompanying the use of the credit card, and a point number display 222 indicating the number of points given to the user. Including.
When the payment method associated with the user ID is a prepaid method, the display control unit 533 displays the display screen 200 on the display unit 51, and when the payment method associated with the user ID is a credit card payment method. The display control unit 533 displays the display screen 220 on the display unit 51.

As an example, as shown in FIG. 4A, since the prepaid method is associated with the user with the user ID “JIRO112” (see FIG. 3A), the display control unit 533 displays the user of the user. A display screen 200 is displayed on the terminal 12. On the other hand, since the credit card payment method is associated with the user with the user ID “HANAKO 78” (see FIG. 3B), the display control unit 533 displays the display screen 220 on the user terminal 12 of the user. To do.
Since the display is made different based on the payment method associated with the user in this way, the user terminal 12 can appropriately display the payment information suitable for the user using the user terminal 12.

Some users have both prepaid cards and credit cards. For example, referring to FIG. 4A and FIG. 3A and FIG. 3B, the user with the user ID “TARO97” is associated with both the prepaid method and the credit card payment method. I have both a prepaid card and a credit card.
For such a user, the display control unit 533 displays the display screen 200 or the display screen 220 in a switchable manner according to an operation input received from the user.

Here, FIG. 14 shows an operation example when switching between the display screen 200 and the display screen 220 in accordance with the operation input received from the user. In this embodiment, since the touch panel 511 is provided on the display unit 51, the display control unit 533 switches between the display screen 200 and the display screen 220 based on the user's slide operation.
Specifically, as illustrated in FIG. 14A, when the user performs a slide operation in the right direction in a state where the display screen 200 is displayed on the display unit 51, the display control unit 533 displays the display unit 51 is switched from the display screen 200 to the display screen 220. Further, when the user performs a slide operation in the left direction while the display screen 220 is displayed on the display unit 51, the display control unit 533 switches the display on the display unit 51 from the display screen 220 to the display screen 200. . In FIG. 14A, the display screen is switched based on the slide operation in the “right direction” on the display screen 200 and the slide operation in the “left direction” on the display screen 220. The directions are merely examples, and other directions may be used. Further, the display screens 200 and 220 do not have to be in different directions, and the display screens may be switched based on a slide operation in the same direction on both sides.

Moreover, the display screen switched according to the user's operation input is not limited to the display screen 200 and the display screen 220, and an intermediate screen may be used. FIG. 14B shows an operation example when the display screen is switched using the intermediate screen. In FIG. 14B, a display screen 210 (see FIG. 5B) showing an example of a menu screen is used as the intermediate screen.
As shown in FIG. 14B, when the user performs a slide operation in the right direction while the display screen 200 is displayed on the display unit 51, the display control unit 533 displays the display on the display unit 51. The screen 200 is switched to the display screen 210. In addition, when the user performs a slide operation in the right direction while the display screen 210 is displayed on the display unit 51, the display control unit 533 switches the display on the display unit 51 from the display screen 210 to the display screen 220. When the user performs a leftward sliding operation, the display control unit 533 switches the display on the display unit 51 from the display screen 210 to the display screen 200. Further, when the user performs a slide operation in the left direction while the display screen 220 is displayed on the display unit 51, the display control unit 533 switches the display on the display unit 51 from the display screen 220 to the display screen 210. .

Here, when the user has only one of the prepaid card or the credit card, that is, when only one of the payment methods of the prepaid method or the credit card payment method is associated with the user, the display control is performed. The unit 533 displays the corresponding display screens 200 and 220 on the display unit 51 after login authentication. On the other hand, when the user owns both the prepaid card and the credit card, that is, when the payment method of both the prepaid method and the credit card payment method is associated with the user, the display control is performed. The unit 533 displays one of the display screens 200, 210, and 220 on the display unit 51 after login authentication.
Hereinafter, a display screen provided after login authentication for a user who owns both a prepaid card and a credit card will be described.

  In the record storage unit 61 of the electronic currency management apparatus 10, as described above, when information related to the type of the card 11 that is given priority for display is stored, the display control unit 533 responds to the information acquired by the acquisition unit 532. A display screen corresponding to the determined payment method is displayed on the display unit 51. That is, the display control unit 533 displays the display screen 200 for displaying the payment information of the prepaid card for the user whose information such as “prepaid priority” is stored in the result storage unit 61, and the information such as “credit priority” is displayed. For the stored user, a display screen 220 for displaying the payment information of the credit card is displayed.

  In addition, the display control unit 533 displays, on the display unit 51, the display screen displayed on the display unit 51 at the end of the previous application among the display screens 200 and 220. For example, if the user has terminated the application while the display screen 200 is displayed, the display control unit 533 was displayed at the time of the previous termination when the user next performed login authentication and executed the application. A display screen 200 is displayed. Such control can be realized by managing the state at the end of the application in the user terminal 12.

  Note that the display control unit 533 may control the display screen displayed after login authentication based on the display count of the display screens 200 and 220 instead of the display screen at the previous end. Specifically, the display control unit 533 displays the display screens 200 and 220 having a large display count among the display screens 200 and 220. Note that the number of display times may be the total number of display times so far, or may be the number of display times in a predetermined period most recently at the timing of performing login authentication.

In addition, the display control unit 533 displays the display screens 200 and 220 that are determined based on the usage status in a predetermined period of payment using a prepaid card and the usage status in the predetermined period of payment using a credit card. The screen may be displayed on the display unit 51.
The predetermined period is an arbitrary period. For example, the predetermined period may be a period from the end of the previous time to login authentication, or may be a period of a predetermined length before the timing when login authentication is performed. . If it is the former, it becomes a different period for every user according to the timing which starts an application, and if it is the latter, it will become the same period irrespective of a user. It should be noted that the period of a predetermined length before the timing when the login authentication is performed may be a period of a predetermined length immediately before the timing, and is not limited to just before, but may be any time before the timing. It may be a period of a predetermined length starting from the front.

  Further, the determination based on the use status of the settlement can be arbitrarily made. For example, the display control unit 533 may display a display screen corresponding to the latest payment method within a predetermined period on the display unit 51. According to such a method, the display control unit 533 can display a display screen according to the type of the card 11 used last by the user. For example, the card 11 used last is a prepaid card. The display screen 200 can be displayed for the user, and the display screen 220 can be displayed for the user who is a credit card.

Further, the display control unit 533 may display on the display unit 51 a display screen corresponding to a payment method with a large fluctuation amount within the predetermined period, instead of the latest payment method within the predetermined period. The amount of change may be the amount billed to the user as the card 11 is used, or the number of points given to the user along with the amount billed. In addition, the display control unit 533 may display, on the display unit 51, a display screen corresponding to a payment method with a large number of payments within the predetermined period, instead of the fluctuation amount.
According to such a method, the display control unit 533 can display a display screen corresponding to the type of the card 11 frequently used by the user within a predetermined period.

  The display control unit 533 may display the display screen 210 as an intermediate screen instead of the display screens 200 and 220 after login authentication.

[Effects of user terminal 12]
The functional configurations of the user terminal 12 and the electronic currency management apparatus 10 have been described above. According to the user terminal 12 having such a configuration, when login authentication is performed and an application is executed, the display control unit 533 displays the display screens 200 and 210 according to the type of the card 11 used by the user who performed login authentication. Is displayed. As a result, the user terminal 12 can appropriately display the payment information suitable for the user.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. In particular, the specific embodiments of the distribution / integration of the devices are not limited to those illustrated above, and all or a part thereof may be added in arbitrary units according to various additions or according to functional loads. It can be configured functionally or physically distributed and integrated.

DESCRIPTION OF SYMBOLS S ... Electronic currency management system, 1 ... User equipment, 11 ... Card, 12 ... User terminal, 10 ... Electronic currency management apparatus, 2 ... Card management server, 3 ... Carrier server, 4 ... point management server, 51 ... display unit, 511 ... touch panel, 52 ... storage unit, 53 ... control unit, 531 ... login control unit, 532 ... Acquisition unit, 533 ... display control unit, 50 ... settlement NW

Claims (15)

A first display screen that displays information related to payment contents using the first payment method and the number of integrated points given to the user , or information related to payment contents using the second payment method and an integration point given to the user A display unit for displaying a second display screen for displaying the number ;
A login control unit that performs login authentication based on identification information for identifying the user;
When the login authentication is performed, a display control unit that displays the first display screen or the second display screen on the display unit based on a payment method associated with the identification information;
With
The number of integrated points is the number of points given based on the payment related to the purchase of the product using the first payment method and the number of points given based on the payment related to the purchase of the product using the second payment method. And the number of points given based on the amount of bills generated by using the communication service provided to the user indicated by the identification information, and the user terminal used by the user When the contract between the service provider providing the communication service using the user and the user is canceled, the settlement information display device is changed to a state where the points indicated by the number of integrated points cannot be used . The display control unit
As the first display screen, display items according to the first settlement method and the number of points given to the user are displayed.
As the second display screen, display items according to the second settlement method and the number of points are displayed,
The number of points is a number of points common to the first payment method and the second payment method, which is given based on both payment based on the first payment method and payment based on the second payment method.
The settlement information display device according to claim 1. The display control unit
When only one of the first payment method and the second payment method is associated with the identification information of the user who has performed login authentication, a display screen corresponding to the associated payment method is displayed. Displayed on the display,
When both the first settlement method and the second settlement method are associated with the identification information of the user who has performed login authentication, the first display screen can be switched according to an operation input received from the user. Or displaying the second display screen on the display unit,
The settlement information display device according to claim 1 or 2. A touch panel provided on the display unit;
The operation input is a slide operation on the touch panel.
The settlement information display device according to claim 3. The display control unit, when both the first payment method and the second payment method are associated with the identification information of the user who has performed login authentication,
Based on the slide operation on the first display screen displayed on the display unit, the display screen is switched from the first display screen to the second display screen,
Switching the display screen from the second display screen to the first display screen based on a slide operation on the second display screen displayed on the display unit;
The settlement information display device according to claim 4. An acquisition unit that acquires the contract information associated with the identification information from a management server that manages user contract information for each user;
The display control unit, when both the first settlement method and the second settlement method are associated with the identification information of the user who has performed login authentication, is determined based on the acquired contract information Display the display screen according to the display unit,
The settlement information display device according to any one of claims 1 to 5. When both the first settlement method and the second settlement method are associated with the identification information of the user who has performed login authentication, the display control unit displays the first display screen and the second display screen. Among them, the display screen that was displayed on the display unit at the end of the previous time is displayed on the display unit.
The settlement information display device according to any one of claims 1 to 5. When the display control unit associates both the first settlement method and the second settlement method with the identification information of the user who has performed login authentication, the display control unit uses the first settlement method for a predetermined period of time. Displaying the first display screen or the second display screen on the display unit based on the usage status of the payment and the usage status of the payment using the second payment method,
The settlement information display device according to any one of claims 1 to 5. The predetermined period is a period from the previous end to the login authentication.
The settlement information display device according to claim 8. The predetermined period is a period of a predetermined length before the timing when the login authentication is performed.
The settlement information display device according to claim 8. The display control unit displays on the display unit a display screen corresponding to a payment method used for the latest payment among payments in the predetermined period.
The settlement information display device according to any one of claims 8 to 10. The display control unit displays, on the display unit, a display screen corresponding to a payment method having a large fluctuation amount in the predetermined period of the payment using the first payment method and the payment using the second payment method. ,
The settlement information display device according to any one of claims 8 to 10. The display control unit displays, on the display unit, a display screen corresponding to a payment method having a large number of payments in the predetermined period among payments using the first payment method and payments using the second payment method. ,
The settlement information display device according to any one of claims 8 to 10. When both the first settlement method and the second settlement method are associated with the identification information of the user who has performed login authentication, the display control unit includes the first display screen and the second display screen. Displays a different third display screen on the display unit,
The settlement information display device according to any one of claims 1 to 5. The computer runs,
Performing login authentication based on identification information identifying the user;
When the login authentication is performed, based on the payment method associated with the identification information, the display unit displays information related to the payment contents using the first payment method and the number of integrated points given to the user . Displaying a display screen or a second display screen for displaying information relating to payment contents using the second payment method and the number of integrated points given to the user ;
A settlement information display method, including,
The number of integrated points is the number of points given based on the payment related to the purchase of the product using the first payment method and the number of points given based on the payment related to the purchase of the product using the second payment method. And the points given based on the bills generated by using the communication service provided to the user indicated by the identification information, and using the user terminal used by the user A settlement display method in which when the contract between the service provider providing the communication service and the user is canceled, the points indicated by the number of integrated points are changed to a state where the points cannot be used .

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