JP6518996B1 - INFORMATION PROCESSING APPARATUS, SYSTEM, AND PROGRAM - Google Patents

Abstract

An information processing apparatus, system, and program capable of realizing a prepaid card that is easy to use even for expensive settlement processing. According to the present invention, an information processing apparatus, which manages use of a prepaid card, includes a communication unit, a storage unit, and a calculation unit, and the communication unit performs payment from a payment terminal. The storage unit is configured to be able to receive information, the storage unit stores balance information and postpaid information in association with the user, and the calculation unit stores the value of the payment information when the communication unit receives the payment information. If the value of the settlement information does not exceed the threshold, a value obtained by subtracting the value of the settlement information from the threshold is a new value. At least one of the balance information and the postpaid information stored in the storage unit is updated to be a threshold value, and the communication unit is further configured to be able to transmit the postpaid settlement information to the outside. Information processing device . [Selected figure] Figure 1

Description

  The present invention relates to an information processing apparatus, system, and program for managing use of a prepaid card.

  Prepaid cards (traffic electronic money, etc.) conforming to legal currency have become widespread. In the prepaid card, when the card is charged in advance with an amount according to legal currency, and payment is made at a member store of such a prepaid card, the charged points are reduced by the amount of payment. It can be implemented not only in the form in which a card physically exists, but also as an application of a smartphone. Also, such prepaid cards can be charged by paying cash to a member store, or from a dedicated website linked to the user's bank account. A management device that manages the use of such prepaid card is disclosed (for example, Patent Document 1).

JP 2018-200717

  By distributing the prepaid card to the employees, it is conceivable that the expense processing of the company can be simplified. Although there is an advantage that credit management to individual employees is unnecessary like a credit card, there is also the inconvenience that it is necessary to estimate and charge the necessary charge amount in advance. In particular, due to the nature of the charge, it is difficult to pre-charge a large amount of money, for example, it is considered unsuitable for a large amount of settlement such as tens of thousands of yen.

  The present invention has been made in view of such circumstances, and an object thereof is to provide an information processing apparatus, system, and program capable of realizing a prepaid card which is easy to use even for expensive settlement processing.

According to the present invention, the information processing apparatus manages use of a prepaid card, and includes a communication unit, a storage unit, and a calculation unit, and the communication unit can receive payment information from the payment terminal. The payment information is information having an amount of money when the user used the prepaid card in one payment, and the storage unit stores balance information and postpaid information in association with the user. Here, the balance information is information which is charged on the prepaid card and has a balance of points conforming to legal currency, and the postpaid information means that a person other than the user has the points in the settlement of the user. It is information having a limit amount that can be replaced, and the calculation unit is configured to be able to determine whether the value of the settlement information exceeds a threshold when the communication unit receives the settlement information. Here, the threshold is a value obtained by adding the value of the postpaid information to the value of the balance information, and when the value of the settlement information does not exceed the threshold, the settlement from the threshold is performed. The communication unit is further configured to update at least one of the balance information and the postpaid information stored in the storage unit such that a value obtained by subtracting the value of the information becomes the new threshold value. The postpaid settlement information is configured to be transmittable to the outside, and the postpaid settlement information is information indicating that the user corresponding to the points redeemed by a person other than the user is to be subsequently charged to the user der is, the calculating unit, the value of the payment information to determine whether more than the value of the post-pay information, when it exceeds the value obtained by subtracting the value of the post-pay information from the value of the payment information If you subtract from the value of balance information By setting the value of the postpaid information to 0, the balance information and the postpaid information stored in the storage unit are updated, and if not exceeded, the value of the payment information is subtracted from the value of the postpaid information. An information processing apparatus is provided, which is configured to update the postpaid information stored in the storage unit .

  According to the information processing apparatus according to the present invention, an amount that can be redeemed by a third party other than the user is set separately from the balance of the points of the prepaid card, and also temporarily for expensive settlement processing. By switching to a third party, a user-friendly prepaid card can be realized, and such a prepaid card can be managed.

The outline figure of the system concerning an embodiment. The functional block diagram of a payment terminal. FIG. 2 is a functional block diagram of an information processing apparatus. The functional block diagram of a 3rd agency server. Flow of payment using a prepaid card managed by the system (example 1). Flow of payment using a prepaid card managed by the system (example 2). Flow of payment using a prepaid card managed by the system (example 3). Flow of payment using a prepaid card managed by the system (Others).

  Hereinafter, embodiments of the present invention will be described using the drawings. The various features shown in the embodiments described below can be combined with one another. In particular, in the present specification, "part" may include, for example, a combination of hardware resources implemented by circuits in a broad sense and software information processing that can be specifically realized by these hardware resources. . In addition, although various information is handled in the present embodiment, these pieces of information are represented by high and low of signal values as binary bit groups composed of 0 or 1, and communication / operation is executed on a circuit in a broad sense. It can be done.

  Further, the circuit in a broad sense is a circuit realized by at least appropriately combining a circuit, a circuit, a circuitry, a processor, a memory, and the like. Application specific integrated circuits (ASICs), programmable logic devices (e.g., simple programmable logic devices (SPLDs), complex programmable logic devices (CPLDs), and fields). It includes a programmable gate array (field programmable gate array: FPGA) and the like.

1. Overall Configuration In the first section, the overall configuration of the system 1 according to the present embodiment will be described. FIG. 1 is a schematic view of a system 1 according to an embodiment. The system 1 is a system including a payment terminal 2, an information processing device 3, and a third organization server 4, which are connected via a telecommunication line (network). The system 1 is used to control the use of the prepaid card C.

  In particular, the prepaid card C managed by the system 1 according to the present embodiment is temporarily settled by a third party other than the user U (for example, the place of work of the user U or another company contracted with the place of work). It is characterized in that part of the points necessary for the money amount can be redeemed. That is, up to a prescribed amount, a third party charges the user U's prepaid card C account immediately at the time of settlement to the same amount as the settlement amount, whereby the settlement is made. The amount corresponding to the redeemed points is subsequently charged to the user U. Hereinafter, each component of such a system 1 will be described in more detail.

1.1 Settlement terminal 2
FIG. 2 is a functional block diagram showing a configuration outline of the settlement terminal 2. The settlement terminal 2 is a terminal installed in a store, and is a terminal for performing settlement with the prepaid card C presented by the user U. Specifically, the settlement terminal 2 includes a communication unit 21, a storage unit 22, and an arithmetic unit 23, and these components are electrically connected via the communication bus 20. Each component will be further described below.

<Communication unit 21>
The communication unit 21 preferably uses wired communication means such as USB, IEEE 1394, Thunderbolt, wired LAN network communication, etc., but wireless LAN network communication, mobile communication such as LTE / 3G, Bluetooth (registered trademark) communication etc. may be used as necessary. May be included. That is, it is more preferable to implement as a set of these several communication means. In particular, when the user U desires payment using the prepaid card C in the store, when the prepaid card C is read by the payment terminal 2, the communication unit 21 in the payment terminal 2 processes the payment information IF0 to the information processing device described later. 3 is configured to be transmittable. Here, the settlement information IF0 is information having at least an amount of money for which the user U used the prepaid card C in one-time settlement. Further, it is configured to be able to receive approval information IF3 indicating that the payment by the prepaid card C has been approved or that the payment has not been approved since the information processing device 3 described later has been approved.

<Storage unit 22>
The storage unit 22 stores various information defined by the description at the beginning of the invention. This is, for example, a storage device such as a solid state drive (SSD) or a random access memory (Random Access Memory) for storing temporarily necessary information (arguments, arrays, etc.) relating to the computation of a program. It can be implemented as a memory such as a RAM). Moreover, these combinations may be sufficient. In particular, the storage unit 22 stores various programs and the like related to the settlement terminal 2 which are executed by the calculation unit 23. For example, the storage unit 22 stores a program that causes the information processing device 3 to transmit payment information IF0 related to the payment of the user U's prepaid card C.

<Operation part 23>
Arithmetic unit 23 performs processing and control of the entire operation related to payment terminal 2. The arithmetic unit 23 is, for example, a central processing unit (CPU) (not shown). Arithmetic unit 23 implements various functions related to payment terminal 2 by reading a predetermined program stored in storage unit 22. That is, specific functions can be executed by the information processing by software (stored in the storage unit 22) being specifically realized by the hardware (calculation unit 23). For example, the calculation unit 23 can realize a function of causing the information processing device 3 to transmit the payment information IF0 related to the payment of the prepaid card C of the user U. In addition, in FIG. 2, although described as the single calculating part 23, in fact, it does not restrict to this and you may implement so that several calculating parts 23 may be provided for every function. It may be a combination of them.

1.2 Information processing device 3
FIG. 3 is a functional block diagram showing an outline of the configuration of the information processing device 3. The information processing device 3 includes a communication unit 31, a storage unit 32, and an operation unit 33, and these constituent elements are electrically connected via the communication bus 30 in the information processing device 3. Each component will be further described below.

<Communication unit 31>
The communication unit 31 is preferably wired communication means such as USB, IEEE 1394, Thunderbolt, wired LAN network communication, etc., but wireless LAN network communication, mobile communication such as LTE / 3G, Bluetooth (registered trademark) communication etc. may be used as necessary. May be included. That is, it is more preferable to implement as a set of these several communication means. In particular, it is preferable to be configured to be able to receive the above-mentioned settlement information IF0 from the settlement terminal 2, and to be able to transmit the approval / non-approval information IF3 to the settlement terminal 2. Furthermore, the communication unit 31 is configured to be able to transmit the postpayment adjustment information IF4 to an external server or terminal (details will be described later).

<Storage unit 32>
The storage unit 32 stores various information defined by the description at the beginning of the invention. This is, for example, a storage device such as a solid state drive (SSD) or a random access memory (Random Access Memory) for storing temporarily necessary information (arguments, arrays, etc.) relating to the computation of a program. It can be implemented as a memory such as a RAM). Moreover, these combinations may be sufficient. In particular, the storage unit 32 stores the payment information IF0, the balance information IF1, the postpaid information IF2, the approval / non-approval information IF3, and the postpaid payment information IF4 in association with an ID representing the user U.

  The storage unit 32 stores various programs as described below. For example, the storage unit 32 stores a program for causing the postpayable amount determination unit 330 in the calculation unit 33 to determine the value of the postpay information IF2 based on the work place information IF5 of the user U or the account information IF6 related to the user U. The storage unit 32 further stores a program that causes the usage approval unit 331 in the calculation unit 33 to determine that the payment of the user U is approved or disapproved. The storage unit 32 further stores a program for causing the payment unit 332 in the calculation unit 33 to execute payment by the prepaid card C. The storage unit 32 is a program that causes the settlement amount determination unit 333 in the calculation unit 33 to issue a notification that subsequently charges the user U for the amount corresponding to the points of the prepaid card C transferred by a third party other than the user U. Remember the

<Operation unit 33>
The arithmetic unit 33 performs processing and control of the entire operation related to the information processing device 3. The arithmetic unit 33 is, for example, a central processing unit (CPU) (not shown). Arithmetic unit 33 implements various functions related to information processing device 3 by reading a predetermined program stored in storage unit 32. That is, the information processing by software (stored in the storage unit 32) is specifically realized by the hardware (calculation unit 33), whereby the postpayable amount determination unit 330, the usage approval unit 331, the settlement unit 332, And, it can be executed as the settlement amount determination unit 333. Hereinafter, the postpayable amount determination unit 330, the usage approval unit 331, the settlement unit 332, and the settlement amount determination unit 333 will be described in more detail.

[Available amount of post payment determination unit 330]
The postpayable amount determination unit 330 is one in which information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). The postpaid amount determination unit 330 can determine or change the postpaid amount (upper limit) as the postpaid information IF2 based on the account information IF6 related to the user U when the user U issues the prepaid card C or at any timing. Configured Here, the account information IF 6 regarding the user U may be information of an account possessed by the user U individual, but may be information of a corporate account of a work place to which the user U belongs.

  By the way, as an example different from the prepaid card C, with a credit card, it is necessary for the card company issuing this to check the credit of the cardholder individual (user U), but the system 1 according to the present embodiment manages Since what is to be done is the prepaid card C to the last, the credit check of the user U individual is unnecessary. If the person making the transfer is the user U's work place, it may be treated as a deduction of the salary between the user U and the work place, and if it is a third organization that is affiliated with the work place, the work place It is enough if there is a trust and a contract with In other words, the postpayable amount determination unit 330 is configured to determine whether or not the prepaid card C can be issued or not, or to determine or change the value of the postpaid information IF2 based on the work place information IF5 (credit of work place) of the user U. Please note that.

[Use approval section 331]
The use approval unit 331 is one in which information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). When the user U tries to make a payment using the prepaid card C, the usage approval unit 331 determines whether to approve the payment based on the payment information IF0 transmitted from the payment terminal 2. Here, the settlement information IF0 is information having an amount of money for which the user U used the prepaid card C in one-time settlement. Specifically, the use approval unit 331 determines whether the value of the settlement information IF0 exceeds the threshold value T. Here, threshold T is the value of balance information IF1 indicating the balance of points charged to prepaid card C, the value of postpaid information IF2 indicating the remaining amount of money that can be redeemed by a person other than user U. When the value of the payment information IF0 does not exceed the threshold T, the payment is approved. Conversely, when the value of the settlement information IF0 exceeds the threshold T, the settlement is rejected. The communication unit 31 transmits the result of the approval as the approval / non-approval information IF3 to the settlement terminal 2 of the store where the user U uses the prepaid card C.

[Payment Unit 332]
The settlement unit 332 is one in which information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). If the value of the settlement information IF0 does not exceed the threshold T (if it is approved by the usage approval unit 331), the settlement unit 332 determines that the value obtained by subtracting the value of the settlement information IF0 from the threshold T is a new threshold. At least one of balance information IF1 and postpaid information IF2 stored in the storage unit 32 is updated so as to be T. Specifically, the following processing is performed to execute settlement.

~ When the value of payment information IF0 exceeds the value of postpaid information IF2 ~
(A) Deriving a value obtained by subtracting the value of postpaid information IF2 from the value of payment information IF0.
(B) The value derived in (a) is subtracted from the value of the balance information IF1.
(C) The value of postpaid information IF2 is set to 0.

  In other words, when the communication unit 31 receives the settlement information IF0, the usage approval unit 331 is configured to be able to determine whether the value of the settlement information IF0 exceeds the threshold value T, where the threshold value T is If the value of the payment information IF0 does not exceed the threshold value T, the value of the payment information IF0 is the value of the payment information IF2 from the value of the payment information IF0 with a value obtained by adding the value of the postpaid information IF2 to the value of the balance information IF1. By subtracting the subtracted value from the value of the balance information IF1 and setting the value of the postpaid information IF2 to 0, the balance information IF1 and the postpaid information IF2 stored in the storage unit 32 are updated.

~ When the value of payment information IF0 does not exceed the value of postpaid information IF2 ~
(D) The value of payment information IF0 is subtracted from the value of postpaid information IF2.

  In other words, the use approval unit 331 determines whether the value of the payment information IF0 exceeds the value of the postpaid information IF2, and if not, the payment unit 332 determines the value of the payment information IF0 from the value of the postpaid information IF2. , And is configured to update the postpaid information IF2 stored in the storage unit 32.

[Settlement amount determination unit 333]
The settlement amount determination unit 333 is one in which information processing by software (stored in the storage unit 32) is specifically realized by hardware (calculation unit 33). As described above, when the settlement is approved by the settlement unit 332, part or all of the value (settlement amount) of the settlement information IF0 is transferred to the value of the postpaid information IF2. The settlement amount fixing unit 333 is configured to be able to generate the post-payment settlement information IF4. Here, the postpaid settlement information IF4 is information indicating that an amount corresponding to the point redeemed by a person other than the user U or that the amount is subsequently charged to the user in the settlement process of the settlement unit 332. .

  Then, the settlement amount determination unit 333 causes the post-payment adjustment information IF 4 to be transmitted to an external server or terminal via the communication unit 31 as needed. For example, considering a terminal (PC, tablet, smart phone, etc.) possessed by the user U, the user U can receive the postpayment adjustment information IF4 as an alert using an E-mail by the terminal possessed by the user U. Alternatively, the user U can browse the post-payment adjustment information IF4 via a dedicated website or the like using a terminal owned by the user U. Further, by transmitting the postpaid settlement information IF 4 to the third organization server 4 described later, the account related to the user U belonging to the third organization or the account of points conforming to legal currency (hereinafter referred to as an account etc.) is replaced You may carry out the money transfer equivalent to the amount of money that corresponds to the

1.3 Third agency server 4
FIG. 4 is a functional block diagram showing a configuration outline of the third engine server 4. The third institution server 4 is a server managed by a financial institution such as a bank, for example, or a provider that provides points according to legal currency, and the third institution server 4 can manage account information IF 6 indicating an account etc. regarding the user U Is configured. Specifically, the third engine server 4 includes a communication unit 41, a storage unit 42, and a settlement processing unit 43, and these components are electrically connected via the communication bus 40. Each component will be further described below.

<Communication unit 41>
The communication unit 41 is preferably wired communication means such as USB, IEEE 1394, Thunderbolt, wired LAN network communication, etc., but wireless LAN network communication, mobile communication such as LTE / 3G, Bluetooth (registered trademark) communication etc. may be used as necessary. May be included. That is, it is more preferable to implement as a set of these several communication means. In particular, the communication unit 41 is configured to be able to transmit the work place information IF 5 and the account information IF 6 necessary to determine the value of the postpaid information IF 2 of the prepaid card C to the information processing device 3. Further, the communication unit 41 is configured to be able to receive, from the information processing device 3, the postpaid settlement information IF4 indicating the amount of money corresponding to the points redeemed within the predetermined period.

<Storage unit 42>
The storage unit 42 stores various information defined by the description at the beginning of the invention. This is, for example, a storage device such as a solid state drive (SSD) or a random access memory (Random Access Memory) for storing temporarily necessary information (arguments, arrays, etc.) relating to the computation of a program. It can be implemented as a memory such as a RAM). Moreover, these combinations may be sufficient. In particular, the storage unit 42 stores programs and the like that are executed by the settlement processing unit 43 described later.

<Settlement processing unit 43>
The settlement processing unit 43 is one in which information processing by software (stored in the storage unit 42) is specifically realized by hardware (a calculation unit (not shown)). Here, the operation unit (not shown) performs processing and control of the entire operation related to the third engine server, and may be present in the third engine server 4 or may exist separately. An operation unit (not shown) is, for example, a central processing unit (CPU) (not shown). A computing unit (not shown) can realize the settlement processing function by reading a predetermined program stored in the storage unit 42. Specifically, the settlement processing unit 43 executes a process of subtracting an amount corresponding to the points redeemed by a person other than the user from the account etc. regarding the user U and adding the amount to the account etc. of the person other than the user Configured to be possible.

2. Settlement Method In the second section, a settlement method using the prepaid card C managed by the system 1 described above will be described. 5 to 7 respectively show Examples 1 to 3 in such a case. In each figure, steps S01 to S03 show the flow until the value of the postpaid information IF2 in the prepaid card C is determined, and steps S11 to S13 indicate whether payment approval using the prepaid card C is possible, and balance information IF1. And the flow of updating of the value of postpaid information IF2 is shown, and steps S21 to 23 are a flow of settlement of the amount of money corresponding to the total of points redeemed by a third party other than user U for a predetermined period (for example, one month) It shows.

[Determinable amount of postpaid]
(Step S01)
As shown in FIGS. 5 to 7, the calculation unit 33 (the postpayable amount determination unit 330) in the information processing device 3 receives from the third organization server 4 the work place information IF 5 or the account information IF 6 (for example, the work place of the user U The corporate account is acquired (following step S02).

(Step S02)
Subsequently, the calculation unit 33 (the postpayable amount determination unit 330) in the information processing device 3 determines the value of the postpaid information IF2 in the prepaid card C of the user U (the postpaid limit) based on the work place information IF5 or the account information IF6. To determine). Such a determination can be made at any timing, and the amount of money can be changed not only when the prepaid card C is issued for the first time but also at the timing desired by the user U or the working place of the user U (following step S03) ).

(Step S03)
Subsequently, the user U can browse the determined value of the post-payment information IF2 via the terminal that the user U has. Alternatively, the postpaid information IF2 determined via e-mail or the like may be alerted from the communication unit 31 in the information processing device 3.

[Settlement approval availability etc]
(Step S11)
As shown in FIGS. 5 to 7, when the user U tries to make a payment at the store using the prepaid card C, the payment information IF0 is transmitted from the payment terminal 2 at the store to the information processing device 3 (step Continue to S12).

(Step S12)
Subsequently, when the information processing device 3 receives the payment information IF0, the computing unit 33 (the usage approval unit 331) in the information processing device 3 determines that the value (purchase amount) of the payment information IF0 is the value of the balance information IF1 and the postpaid information IF2 It is determined whether it does not exceed the sum (threshold T) with the value of. If not exceeded, the approval / disapproval information IF3 relating to the approval is transmitted to the settlement terminal 2 (following FIG. 5 and FIG. 6 / step S13). On the contrary, when it exceeds, the approval propriety information IF3 concerning rejection is transmitted to the settlement terminal 2 (FIG. 7). In addition, when rejected, it is preferable that the user U can perform charge of a point on the spot by cash etc. via the payment terminal 2 in a shop.

  Regarding this approval, the balance information IF1 and the postpaid information IF2 are stored as the same database in the storage unit 32 of the information processing device 3, so that management of the directly charged balance points and management of the postpayable points are performed. Note that it is done centrally and the time taken for approval is very short.

(Step S13)
Subsequently, the settlement unit 332 executes settlement. That is, the settlement unit 332 updates at least one of the values of the balance information IF1 and the postpaid information IF2. First, consider the case where the value of payment information IF0 is less than or equal to the value of postpaid information IF2. For example, if the value of the settlement information IF0 is 10,000 (yen), the value of the balance information IF1 is 10,000 (yen), and the value of the postpaid information IF2 is 40,000 (yen), the postpayment information IF2 is generated by this settlement. The value of is updated to 30,000 (yen) obtained by subtracting the value of payment information IF0 from the current value of postpaid information IF2. Further, the value of the balance information IF1 remains at 10,000 (yen) (FIG. 5). Next, consider the case where the value of payment information IF0 exceeds the value of postpaid information IF2. For example, if the value of the settlement information IF0 is 48,000 (yen), the value of the balance information IF1 is 10,000 (yen), and the value of the postpaid information IF2 is 40,000 (yen), the postpayment information IF2 is generated by this settlement. The value of is updated to 0 (yen), and the value of the balance information IF1 is updated to 2,000 (yen) after the shortage of 8,000 (yen) is subtracted (FIG. 6).

[Settlement of Postpaid Amount]
(Step S21)
The settlement as in step S11 to step S13 is repeated, and when the predetermined period has elapsed, the settlement of the total amount of money corresponding to the points transferred to a person other than the user U is performed. First, the post-payment settlement information IF4 is transmitted to the user U in order to notify the user U of the accumulated value of the points redeemed in the current term by the calculation unit 33 (the settlement amount determination unit 333) in the information processing device 3. This may be implemented so as to allow confirmation voluntarily from the user U side by browsing a predetermined website or the like.

(Step S22)
Similarly, the post-payment adjustment information IF 4 is sent to the third-organization server 4 in order to notify the third organization of the accumulated value of the points that the current unit 3 (the settlement amount determination unit 333) in the information processing device 3 has transferred.

(Step S23)
Subsequently, the settlement processing unit 43 in the third organization server 4 subtracts the amount of money corresponding to the points redeemed by a person other than the user from the account related to the user U, and adds the amount to the account of the person other than the user Execute the process to In addition, the account transfer by a third party organization such as a bank is merely an example of point settlement, and for example, if the third party who is transferring points is the user U's work place itself, the form of payroll deduction for user U You may carry out the settlement in

3. Others The system 1 according to the present embodiment may be implemented in the following manner.

  First, the place of business may be implemented so as to limit the use of the prepaid card C to the user U. The prepaid card C managed by the system 1 according to the present embodiment is assumed to be distributed to employees by the place of work, so that its use can be limited if it is used for expense adjustment and the like.

  A more specific flow is shown in FIG. Here, the storage unit 32 of the information processing device 3 stores payment rule information IF7 indicating a predetermined payment rule, assuming that the payment information IF0 is information having payment items of the user U. When the communication unit 31 receives the payment information IF0 when the user U executes payment, the computing unit 33 (the use approval unit 331) determines the payment items included in the payment information IF0 and the payment stored in the storage unit 32. The rule information IF7 is compared, and if the settlement rule information IF7 does not include the settlement item, the approval / disapproval information IF3 (an example of “rejection information” in the patent claim) relating to rejection is generated, and the communication unit 31 transmits this to the settlement terminal 2 (see step S12 'in FIG. 8).

  Secondly, the prepaid card C may be issued for each limited group of projects, departments, department activities, etc. which the work place is implementing. For example, by issuing the prepaid card C for each project and performing the above-described limitation of usage, it becomes possible to easily carry out sorting as to which project costs a certain amount of money.

  Third, in the system 1 according to the present embodiment, it is assumed that the balance information IF1 is updated after the value of the postpaid information IF2 becomes 0, that is, the value of the postpaid information IF2 is preferentially updated. However, the value of the balance information IF1 may be updated preferentially. Specifically, the value of balance information IF1 is preferentially subtracted, and the value of postpaid information IF2 is updated only when the value of balance information IF1 is less than 0 (when the points charged are insufficient) ( It may be implemented to have a third party execute a replacement). In such a case, the usage approval unit 331 determines whether the value of the settlement information IF0 exceeds the value of the balance information IF1, and in the case of exceeding, the value obtained by subtracting the value of the balance information IF1 from the value of the settlement information IF0 is postpaid By subtracting the value of balance information IF1 from the value of information IF2 and setting the value of balance information IF1 to 0, balance information IF1 and postpaid information IF2 stored in storage unit 32 are updated, and if not exceeded, settlement is performed from the value of balance information IF1 The balance information IF1 stored in the storage unit 32 is updated by subtracting the value of the information IF0.

4. Conclusion As described above, according to the present embodiment, it is possible to implement the information processing device 3 capable of realizing the prepaid card C which is easy to use even for expensive payment processing.

  The information processing apparatus 3 manages the use of the prepaid card C, and includes a communication unit 31, a storage unit 32, and an operation unit 33. The communication unit 31 receives the payment information IF0 from the payment terminal 2. In the present embodiment, the payment information IF0 is information having an amount of money for which the user U used the prepaid card C in one payment, and the storage unit 32 includes balance information IF1 and postpaid information IF2. The balance information IF1 is information that is charged to the prepaid card C and has a balance of points according to legal currency, and the postpaid information IF2 is the user U. The information processing unit 33 may use the payment information IF if the communication unit 31 is the information having a limit amount by which a person other than the user U can replace the points in the settlement of When it is received, it is possible to determine whether the value of the settlement information IF0 exceeds the threshold T, where the threshold T means the value of the postpaid information IF2 to the value of the balance information IF1. If the value of the settlement information IF0 does not exceed the threshold value T by a value obtained by adding the value of the settlement information IF0 to the threshold value T, the new threshold value T is obtained. And at least one of the balance information IF1 and the postpaid information IF2 stored in the storage unit 32 is updated, and the balance information IF1 and the postpaid information IF2 stored in the storage unit 32 are updated. The communication unit 31 is further configured to be able to transmit the postpaid settlement information IF4 to the outside, and the postpaid settlement information IF4 is the port where the person other than the user U resigned. An amount equal to the cement is information indicating to charge retroactively the user U.

  In addition, it is possible to implement the system 1 capable of realizing the prepaid card C which is easy to use even for expensive payment processing.

  The system 1 manages the use of the prepaid card C, and includes a payment terminal 2, an information processing device 3, and a third institution server 4, which are communicably connected to each other via a telecommunication line. The settlement terminal 2 is configured to be able to transmit settlement information IF0 to the information processing device 3, and here, the settlement information IF0 has an amount of money for which the user U used the prepaid card C in one-time settlement. In information, the information processing apparatus 3 is as described above, and the third engine server 4 includes a storage unit 42 and a settlement processing unit 43, and the storage unit 42 of the third engine server 4 includes: The account information IF 6 is stored, where the account information IF 6 is information having the balance of the account related to the user U, and the settlement processing unit 43 receives the postpaid settlement received from the information processing device 3. Based on the information IF4, a process is executed to subtract the amount of money corresponding to the points redeemed by persons other than the user U from the account regarding the user U or the account of points according to legal currency stored in the storage unit 42 Configured to be possible.

  Also, software for implementing the information processing apparatus 3 capable of realizing the prepaid card C that is easy to use for expensive payment processing as hardware can be implemented as a program. Then, such a program may be provided as a non-transitory recording medium readable by a computer, may be provided downloadable from an external server, or the program may be launched by an external computer. Thus, so-called cloud computing may be performed in which each function can be implemented at the client terminal.

  The program causes the computer (information processing device 3) to manage the use of the prepaid card C, causes the computer to execute the communication function, the storage function, and the arithmetic function, and the payment is made according to the communication function. Payment information IF0 is received from the terminal 2, where the payment information IF0 is information having the amount of money the user U used for the prepaid card C in one payment, and according to the storage function, the balance information IF1 And the postpaid information IF2 in association with the user U, where the balance information IF1 is information which is charged on the prepaid card C and has a balance of points conforming to legal currency, and the postpaid information IF2 Is information having a limit to which a person other than the user U can redeem the points in the settlement of the user U. According to the calculation function, it is determined whether the value of the settlement information IF0 exceeds the threshold value T, where the threshold value T means the value of the postpaid information IF2 to the value of the balance information IF1. If the value of the settlement information IF0 does not exceed the threshold value T by the added value, a value obtained by subtracting the value of the settlement information IF0 from the threshold value T becomes the new threshold value T. And at least one of the balance information IF1 and the postpaid information IF2 is updated, and according to the communication function, the postpaid settlement information IF4 is transmitted to the outside, and the postpaid settlement information IF4 is other than the user U. Is information indicating that the user U is to be charged for the amount of money corresponding to the points that have been transferred to the user U later.

  Finally, while various embodiments according to the present invention have been described, these are presented as examples and are not intended to limit the scope of the invention. The novel embodiments can be implemented in other various forms, and various omissions, substitutions, and modifications can be made without departing from the scope of the invention. The embodiments and the modifications thereof are included in the scope and the gist of the invention, and are included in the invention described in the claims and the equivalent scope thereof.

1: System 2: Settlement terminal 20: Communication bus 21: Communication unit 22: Storage unit 23: Calculation unit 3: Information processing device 30: Communication bus 31: Communication unit 32: Storage unit 33: Calculation unit 330: Determination of possible amount for later payment Unit 331: Usage approval unit 332: Settlement unit 333: Settlement amount determination unit 4: Third institution server 40: Communication bus 41: Communication unit 42: Storage unit 43: Settlement processing unit C: Prepaid card IF0: Settlement information IF1: Balance Information IF2: Postpaid information IF3: Approvability information IF4: Postpaid settlement information IF5: Work place information IF6: Account information IF7: Settlement rule information T: Threshold U: User

Claims (6)

An information processing apparatus that manages use of a prepaid card,
A communication unit, a storage unit, and an operation unit;
The communication unit is configured to be able to receive payment information from a payment terminal, wherein the payment information is information having an amount of money that the user used the prepaid card in one payment,
The storage unit stores balance information and postpaid information in association with the user, and
The balance information is information which is charged on the prepaid card and which has a balance of points conforming to legal currency.
The postpaid information is information having a limit to which a person other than the user can redeem the points in the settlement of the user.
The arithmetic unit is
When the communication unit receives the settlement information, it is possible to determine whether the value of the settlement information exceeds a threshold, where the threshold is the value of the postpaid information to the value of the balance information. Plus the value of,
When the value of the settlement information does not exceed the threshold value, the balance stored in the storage unit such that a value obtained by subtracting the value of the settlement information from the threshold value becomes the new threshold value. Configured to update at least one of information and the postpaid information;
The communication unit is further configured to be able to transmit postpaid settlement information to the outside, wherein the postpaid settlement information is used to post the amount of money equivalent to the points redeemed by a person other than the user. Ri information der indicating to charge,
The calculation unit determines whether the value of the payment information exceeds the value of the postpaid information,
When it exceeds, the balance stored in the storage unit is obtained by subtracting the value obtained by subtracting the value of the postpaid information from the value of the payment information from the value of the balance information and setting the value of the postpaid information to 0. Update the information and the prepaid information,
If not exceeded, the value of the payment information is subtracted from the value of the postpaid information, and the postpaid information stored in the storage unit is updated.
Information processing device. In the information processing apparatus according to claim 1,
The communication unit is configured to be able to receive account information from the outside, wherein the account information is information having a balance of an account related to the user or an account of points according to legal currency,
The calculation unit is configured to be capable of determining or changing the value of the postpaid information based on the account information.
Information processing device. In the information processing apparatus according to claim 1 or 2 ,
The storage unit associates work location information with the user and stores the work location information, wherein the work location information is information indicating a work location to which the user belongs.
The calculation unit is configured to determine whether or not to issue the prepaid card, or to determine or change the value of the postpaid information, based on the work place information.
Information processing device. The information processing apparatus according to any one of claims 1 to 3 .
The payment information is information further including payment items of the user,
The storage unit stores payment rule information defined in advance.
When the communication unit receives the payment information, the operation unit compares the payment item included in the payment information with the payment rule information stored in the storage unit, and the payment rule information is transferred to the payment rule information. When the item is not included, rejection information can be generated, and the rejection information is information indicating that the settlement related to the settlement item can not be performed using the prepaid card,
The communication unit is configured to be able to transmit the rejection information to the payment terminal.
Information processing device. A system that manages the use of prepaid cards,
A payment terminal, an information processing device, and a third institution server, which are communicably connected to each other via a telecommunication line,
The settlement terminal is configured to be able to transmit settlement information to the information processing apparatus, wherein the settlement information is information having a monetary amount at which the user used the prepaid card in a single settlement.
The information processing apparatus according to any one of claims 1 to 4 .
The third organization server includes a storage unit and a settlement processing unit.
The storage unit of the third institution server stores account information, where the account information is information having a balance of an account related to the user or an account of points according to legal currency.
The settlement processing unit, based on the postpaid settlement information received from the information processing apparatus, an amount corresponding to the points redeemed by persons other than the user from the account stored in the storage unit or the account. Configured to be executable for subtraction processing
system. A program that lets a computer manage the use of prepaid cards,
Causing the computer to execute a communication function, a storage function, and an arithmetic function;
According to the communication function, the settlement information is received from the settlement terminal, wherein the settlement information is information having the amount by which the user used the prepaid card in one settlement.
According to the storage function, balance information and postpaid information are associated with the user and stored, where
The balance information is information which is charged on the prepaid card and which has a balance of points conforming to legal currency.
The postpaid information is information having a limit to which a person other than the user can redeem the points in the settlement of the user.
According to the arithmetic function,
It is determined whether the value of the settlement information exceeds a threshold, where the threshold is a value obtained by adding the value of the postpaid information to the value of the balance information,
When the value of the settlement information does not exceed the threshold, at least the balance information and the postpaid information so that a value obtained by subtracting the value of the settlement information from the threshold becomes a new threshold. Let one update
According to the communication function, the postpaid settlement information is further transmitted to the outside, and here, the postpaid settlement information charges the user to a postage amount corresponding to the points redeemed by a person other than the user. information der indicating that is,
It is determined by the calculation function whether the value of the payment information exceeds the value of the postpaid information,
When it exceeds, the balance information stored in the storage unit is obtained by subtracting the value obtained by subtracting the value of the postpaid information from the value of the payment information from the value of the balance information and setting the value of the postpaid information to 0. And update the postpaid information,
If not exceeded, the value of the payment information is subtracted from the value of the postpaid information, and the postpaid information stored in the storage unit is updated.
program.