JP6560319B2 - Wallet management system, wallet management method, and wallet management program - Google Patents

Description

  The present invention relates to a wallet management system, a wallet management method, and a wallet management program for performing a transaction using a mobile terminal.

  2. Description of the Related Art Nowadays, a technique for performing payment at the time of product purchase using a mobile terminal possessed by a user is being studied (for example, see Patent Documents 1 and 2). In the technique described in Patent Document 1, the mobile terminal receives the product purchase price output from the store terminal, and requests credit settlement for the product purchase price. The credit server that has received the credit settlement request from the portable terminal performs the credit settlement and instructs the electronic money server to issue the electronic money of the credit settlement amount. The electronic money server issues electronic money based on an instruction from the credit server, and transmits the electronic money of the credit settlement amount to the mobile terminal. When the mobile terminal receives the electronic money of the credit settlement amount, it outputs it to the store terminal.

  Further, in the technique described in Patent Document 2, when a customer activates a dedicated application on his / her customer terminal at the time of purchasing a product and inputs a purchase price to a POS terminal at a store cash register, the POS terminal Reads the card information registered in the customer terminal and transmits the card information and purchase information to the card payment management server. In the server, the privilege information for each card is periodically acquired, the privilege information regarding the card transmitted from the POS terminal is extracted from the privilege information of the card acquired by the server, and each card is displayed on the screen of the customer terminal. The privilege information of is displayed. At this time, the recommended order of cards is determined and displayed. When the customer selects a card to be used for payment from this screen, a two-dimensional barcode is displayed on the screen, and the payment is completed when the customer holds the screen over the POS terminal.

JP 2013-80356 A JP 2017-130092 A

  The technique described in Patent Document 1 is based on the use of a credit card. However, some users do not have a credit card. In this case, payment using a portable terminal cannot be performed. Further, in the technique described in Patent Document 2, since a card is selected while communicating with a POS terminal, efficient settlement cannot be performed.

  A wallet management system that solves the above problem includes a control unit that is connected to a financial institution server that manages a user's account established in a financial institution. And when the said control part acquires a user's positional information, specifies an available medium based on the said positional information, and specifies a several available medium, the utilization condition of the said available medium is shown. Acquire and specify a payment medium to be used for payment based on the usage status in the available medium and execute a payment request process for the financial institution server when a payment medium using an account is specified. To do.

  ADVANTAGE OF THE INVENTION According to this invention, it can trade efficiently using a portable terminal.

Explanatory drawing of the wallet management system of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the process sequence of other embodiment.

In the following, an embodiment embodying a wallet management system, a wallet management method, and a wallet management program will be described with reference to FIGS. In the present embodiment, it is assumed that a wallet (electronic payment medium) for making payment using a mobile terminal to a customer (user) of a financial institution is assumed. A plurality of settlement media can be recorded in this wallet. As the settlement medium, electronic money, a cash card (debit card), a credit card, or the like can be used.
Here, as shown in FIG. 1, a mobile terminal 10, a store terminal 20, a relay server 30, and a bank server 40 connected via a network are used.

  The mobile terminal 10 is a computer terminal used by a customer who has opened an account with a financial institution. The portable terminal 10 is connected to the store terminal 20 via wireless communication. For this wireless communication, for example, an NFC (Near field radio communication) system can be used. The mobile terminal 10 includes a control unit 11, a memory 12, a position information acquisition unit 13, and a touch panel display 14.

  The control unit 11 includes control means (CPU, RAM, ROM, etc.), and performs processing (each processing such as settlement processing stage, evaluation processing stage, accounting processing stage, etc.) described later. Therefore, the mobile terminal 10 stores a wallet application and an accounting application. By starting the wallet application, the control unit 11 functions as the settlement processing unit 111. Further, by starting the accounting application, the control unit 11 functions as the evaluation processing unit 112 and the accounting processing unit 113.

The settlement processing unit 111 executes settlement processing such as payment for payment when the user conducts a transaction. For this settlement, a settlement medium stored in the wallet is selected and used.
The evaluation processing unit 112 executes a process for evaluating the user's deposit / withdrawal status. This evaluation processing unit 112 holds data relating to a reference amount for determining whether money is overused. This reference amount is a limit amount that can be used to achieve a target amount of money desired to be stored in a predetermined period (target period) with respect to periodic deposits and withdrawals. In this case, a deposit / withdrawal pattern corresponding to the time is used for periodic deposit / withdrawal. For example, the periodical payment is a payment pattern of salary or bonus, and the periodical payment is, for example, a deposit / withdrawal pattern such as storage of public charges, tax payment or year-end and new year.

  The accounting processing unit 113 performs accounting management processing based on the deposit / withdrawal information. The accounting processing unit 113 holds an expense item table for categorizing items according to payees and payment items for deposits and withdrawals.

The memory 12 is provided with a store information storage area 121, a wallet information storage area 122, a settlement history information storage area 123, and an accounting information storage area 124.
Store management records are recorded in the store information storage area 121. This store management record is recorded when a store that can use the wallet is registered. The store management record includes data regarding store codes, store attributes, store positions, and usable media.

In the store code data area, data relating to an identifier for specifying each store that can use the wallet is recorded.
In the store attribute data area, data related to the store attribute is recorded. For the store attribute, type (restaurant, convenience store, supermarket, etc.), affiliate store information, or the like can be used.

In the store position data area, data relating to information (address, latitude / longitude, etc.) for specifying the location of the store is recorded.
Data relating to an identifier for identifying a card (payment medium) that can be used in this store is recorded in the available medium data area.

  In the wallet information storage area 122, a payment medium management record is recorded. This settlement medium management record is recorded when a settlement medium usable by the user is registered. The settlement medium record includes data regarding the medium type, issuer, medium code, and balance.

  In the medium type data area, data relating to an identifier for specifying the type of payment medium is recorded. As the settlement medium, for example, electronic money, cash card, credit card, etc. are recorded.

  In the issuer data area, data relating to an identifier for identifying the issuer of the settlement medium is recorded. For example, an issuer of electronic money, a bank name, a credit company name, and the like are recorded.

In the medium code data area, data relating to an identifier for specifying a settlement medium is recorded. For example, in the case of electronic money, user-specific information is recorded, in the case of a cash card, an account number is recorded, and in the case of a credit card, a card number or the like is recorded.
In the balance data area, data relating to the charge balance of the prepaid payment medium is recorded.

  In the settlement history information storage area 123, a settlement history management record is recorded. This settlement history management record is recorded when settlement in a transaction is completed. The payment history management record includes data regarding a payment number, a medium code, a store code, a payment date and time, and an amount.

In the settlement number data area, data relating to an identifier for specifying each settlement is recorded.
In the medium code data area, data relating to an identifier for specifying the settlement medium used for the settlement is recorded.

In the store code data area, data relating to an identifier for specifying the store that has made the settlement is recorded.
In the settlement date / time data area, data related to the date and time when settlement is completed is recorded.
In the amount data area, data relating to the settlement amount in the transaction is recorded.

  In the transaction information storage area 124, transaction management records are recorded. This accounting management record is recorded when deposit / withdrawal information used for accounting is acquired. The accounting management record includes data related to deposit / withdrawal date, payee, deposit source, amount, and journal entry.

In the deposit / withdrawal date data area, data relating to the date of deposit / withdrawal is recorded.
In each data area of the payment destination and the payment source, data relating to an identifier for specifying the payment destination and the payment source of the withdrawal is recorded.

In the money amount data area, data related to the deposit / withdrawal amount is recorded.
In the journal data area, data relating to an identifier for specifying the deposit / withdrawal classification is recorded.

  The location information acquisition unit 13 acquires location information of the mobile terminal 10 by using, for example, a GPS (Global Positioning System) function. The method for acquiring the location information is not limited to the use of the GPS function, and any method that can identify the access location may be used. For example, it is possible to use network address information (source IP address) used for access.

The touch panel display 14 functions as an output unit that outputs information on the screen and an input unit that inputs information by a touch operation or the like.
The store terminal 20 performs wireless communication with the mobile terminal 10 and acquires information necessary for settlement of a transaction (for example, product purchase). Then, the store terminal 20 acquires a token related to the payment medium from the mobile terminal 10.

  The relay server 30 is a computer system that relays communication between the store terminal 20 and a financial institution server such as a bank server 40 or a credit company server. For example, “Credit And Finance Information Switching system (CAFIS)” (registered trademark) is used. When using a cash card at the time of settlement, the relay server 30 specifies a user account based on the token acquired from the store terminal 20 and transmits a settlement request to the bank server 40. When an account withdrawal (settlement) is performed at the bank server 40, the relay server 30 acquires a settlement result notification from the bank server 40 and accumulates the transaction result assigned with the settlement number. This transaction result includes data relating to the settlement number, transaction date and time, store code, transaction amount, and financial institution code. Then, the relay server 30 returns a transaction result notification to the store terminal 20.

  The bank server 40 is a bank host system (financial institution server) that manages customer accounts. Therefore, the bank server 40 includes an account information storage unit that stores an account balance for each user account. Based on the payment request acquired from the relay server 30, the bank server 40 withdraws the payment price from the user's account. Then, the bank server 40 provides a settlement result notification to the relay server 30. The relay server 30 transfers the settlement result notification to the store terminal 20.

(Processing at the time of settlement)
The settlement process will be described with reference to FIG. When making a payment using the digital wallet of the mobile terminal 10, the wallet application is activated.

  First, the control unit 11 of the mobile terminal 10 executes a current position specifying process (step S1-1). Specifically, the settlement processing unit 111 of the control unit 11 acquires current location information from the position information acquisition unit 13.

  Next, the control unit 11 of the mobile terminal 10 performs a store specifying process based on the position information (step S1-2). Specifically, the settlement processing unit 111 of the control unit 11 specifies a visited store by extracting a store management record in which the current location information is registered as the store position from the store information storage area 121 of the memory 12. .

  Next, the control part 11 of the portable terminal 10 performs the specific process of the available medium in a shop (step S1-3). Specifically, the settlement processing unit 111 of the control unit 11 acquires the available medium type recorded in the specified store management record.

  Next, the control part 11 of the portable terminal 10 performs the payment medium candidate specific process (step S1-4). Specifically, the settlement processing unit 111 of the control unit 11 settles all the medium types included in the available medium types in the settlement medium management record recorded in the wallet information storage area 122 of the memory 12. Specify as a media candidate.

  Next, the control unit 11 of the mobile terminal 10 executes a payment medium selection process (step S1-5). Specifically, the payment processing unit 111 uses the payment history information storage area 123 of the memory 12 to acquire a payment history record in which the store code has been used for the most recent predetermined period. Then, the payment processing unit 111 assigns a high priority to the cards that are frequently used based on the acquired payment history record, and arranges them in this order. Then, the payment processing unit 111 outputs a payment medium candidate to the touch panel display 14. In this case, the user uses the touch panel display 14 to select a desired card from among the payment medium candidates. Here, it is assumed that a cash card is selected. In this case, the settlement processing unit 111 acquires the medium code of the selected medium type from the wallet information storage area 122 of the memory 12.

  Next, the control part 11 of the portable terminal 10 performs a payment request process (step S1-6). Specifically, the settlement processing unit 111 of the control unit 11 transmits a transaction request to the store terminal 20 using wireless communication. This transaction request includes a token including the medium code (account number) of the selected settlement medium (cash card). In this case, the store terminal 20 transmits a settlement request to the relay server 30. This settlement request includes the transaction amount at the store, the store code, and the token acquired from the mobile terminal 10. In this case, the relay server 30 acquires an account number from the token. Then, the relay server 30 transmits a settlement request to the bank server 40. This settlement request includes data relating to the account number and transaction amount.

  The bank server 40 that has acquired the settlement request from the relay server 30 executes an account balance acquisition process (step S1-7). Specifically, the bank server 40 acquires account balance information of the account number included in the settlement request.

  Next, the bank server 40 executes a determination process as to whether payment is possible (step S1-8). Specifically, the bank server 40 compares the transaction amount with the account balance. If there is an account balance greater than the transaction amount, it is determined that payment is possible.

  If it is determined that payment is possible (“YES” in step S1-8), the bank server 40 executes an account withdrawal process (step S1-9). Specifically, the bank server 40 deducts the transaction amount from the account balance of the user and deposits it in another account. Then, in response to an instruction from the relay server 30, the bank server 40 deposits the funds deposited in the separate account into an account corresponding to the store code.

When it is determined that the account balance is less than the transaction amount and payment is not possible (in the case of “NO” in step S1-8), the bank server 40 skips the account withdrawal process (step S1-9).
Then, the bank server 40 executes a settlement result notification reply process (step S1-10). Specifically, the bank server 40 transmits a settlement result notification to the relay server 30. When the account withdrawal process (step S1-9) is performed, a settlement completion flag is included in this settlement result notification. On the other hand, when the account withdrawal process (step S1-9) is skipped, a settlement incomplete flag is included in this settlement result notification. The relay server 30 that has acquired the settlement result notification including the settlement completion flag assigns the settlement number, and records the store code and the transaction amount. Then, the relay server 30 assigns a settlement number and transmits a settlement completion notification to the store terminal 20. This settlement completion notification includes the settlement number, store code, transaction date and time, and transaction amount. On the other hand, the relay server 30 that has acquired the settlement result including the settlement incomplete flag transmits an error notification to the store terminal 20. The store terminal 20 transfers a payment completion notification or an error notification to the mobile terminal 10.

  The control unit 11 of the mobile terminal 10 executes a settlement result acquisition process (step S1-11). Specifically, the settlement processing unit 111 of the control unit 11 displays the settlement result (settlement completion notification or error notification) acquired from the relay server 30 on the touch panel display 14.

  Next, the control part 11 of the portable terminal 10 performs the determination process about whether payment is completed (step S1-12). Specifically, the payment processing unit 111 of the control unit 11 determines that the payment is completed when a payment completion notification is acquired.

  When it is determined that the payment is completed (in the case of “YES” in step S1-12), the control unit 11 of the mobile terminal 10 executes a payment history recording process (step S1-13). Specifically, the settlement processing unit 111 of the control unit 11 generates a settlement history record that records a settlement number, a store code, a transaction amount, and a transaction date and time, and records it in the settlement history information storage area 123.

  On the other hand, when the error notification is acquired and it is determined that the payment is not completed (in the case of “NO” in step S1-12), the control unit 11 of the mobile terminal 10 performs a determination process as to whether there is an alternative medium ( Step S1-14). Specifically, the settlement processing unit 111 of the control unit 11 checks whether or not there are other settlement medium candidates, and determines that there is an alternative medium if other settlement medium candidates remain.

  When it is determined that there is an alternative medium (in the case of “YES” in step S1-14), the control unit 11 of the mobile terminal 10 repeats the process after the payment medium selection process (step S1-5). In this case, a payment request process (step S1-6) corresponding to the type of payment medium is performed.

  On the other hand, when it is determined that no other settlement medium candidates remain and there is no alternative medium (in the case of “NO” in step S1-14), the control unit 11 of the mobile terminal 10 executes error processing (step S1-14). S1-15). Specifically, the settlement processing unit 111 of the control unit 11 outputs a message indicating that the wallet cannot be used to the touch panel display 14 and ends the settlement process. In this case, for example, cash payment is performed.

(Post-settlement processing)
The post-settlement processing will be described with reference to FIG.
First, the control unit 11 of the mobile terminal 10 executes usage details acquisition processing (step S2-1). Specifically, the evaluation processing unit 112 of the control unit 11 transmits a usage statement request to the bank server 40 via the Internet. This usage statement request includes data relating to the account number of the cash card. Then, the evaluation processing unit 112 acquires usage details information from the bank server 40. The usage details information includes data relating to the usage details of the account.

  Next, the control part 11 of the portable terminal 10 performs the deposit / withdrawal status evaluation process (step S2-2). Specifically, the evaluation processing unit 112 of the control unit 11 compares the difference obtained by subtracting the withdrawal amount from the deposit amount during the evaluation period with the reference amount during the evaluation period.

  Next, the control part 11 of the portable terminal 10 performs the determination process about whether it is overuse (step S2-3). Specifically, the evaluation processing unit 112 of the control unit 11 determines that it is overused when the difference is lower than the reference amount.

  When it determines with overuse (in the case of "YES" in step S2-3), the control part 11 of the portable terminal 10 performs an alerting process (step S2-4). Specifically, the evaluation processing unit 112 of the control unit 11 outputs a warning screen to the touch panel display 14. This warning screen includes a message indicating that the amount of money to be paid is large.

On the other hand, when it determines with not using too much (in the case of "NO" in step S2-3), the control part 11 of the portable terminal 10 skips alerting processing (step S2-4).
Next, the control part 11 of the portable terminal 10 performs a transaction recording process (step S2-5). Specifically, the evaluation processing unit 112 of the control unit 11 provides the usage details information acquired from the bank server 40 to the accounting processing unit 113. In this case, the accounting processing unit 113 uses the expense item table to classify the expense item according to the payment destination or payment item of the deposit or withdrawal, and creates a household account book.

As described above, according to the present embodiment, the following effects can be obtained.
(1) In the present embodiment, the control unit 11 of the mobile terminal 10 determines the current position specifying process (step S1-1), the store specifying process based on the position information (step S1-2), and the available media in the store. Identification processing (step S1-3) and settlement medium candidate identification processing (step S1-4). Thereby, the payment medium which can be used in a store can be selected efficiently.

  (2) In this embodiment, the control part 11 of the portable terminal 10 performs the payment medium selection process (step S1-5). Thereby, the payment medium according to the use frequency can be selected in the store.

  (3) In this embodiment, the control part 11 of the portable terminal 10 performs a payment request process (step S1-6). The bank server 40 executes an account balance acquisition process (step S1-7). If it is determined that payment is possible (“YES” in step S1-8), the bank server 40 executes an account withdrawal process (step S1-9). Thereby, it is possible to perform settlement using the account opened in the bank via the mobile terminal 10.

  (4) In this embodiment, when it is determined that the payment is completed (in the case of “YES” in step S1-12), the control unit 11 of the mobile terminal 10 executes a payment history recording process (step S1-13). . Thereby, the payment history can be grasped in the mobile terminal 10.

  (5) In this embodiment, when it is determined that the payment is not completed (in the case of “NO” in step S1-12), the control unit 11 of the mobile terminal 10 performs a determination process as to whether there is an alternative medium ( Step S1-14). Thereby, when the account balance is insufficient, the settlement can be performed using another settlement medium.

  (6) In the present embodiment, the control unit 11 of the mobile terminal 10 executes usage details acquisition processing (step S2-1) and deposit / withdrawal status evaluation processing (step S2-2). When it determines with overuse (in the case of "YES" in step S2-3), the control part 11 of the portable terminal 10 performs an alerting process (step S2-4). Thereby, the deposit / withdrawal management according to the accumulation target can be supported.

This embodiment can be implemented with the following modifications. The present embodiment and the following modifications can be implemented in combination with each other within a technically consistent range.
In the above embodiment, the control unit 11 of the mobile terminal 10 performs a payment medium selection process (step S1-5). In this case, the payment processing unit 111 arranges the cards in the order of cards that are used frequently based on the acquired payment history record. Here, when a selected card and a card with high use frequency differ, you may make it alert a user. In this case, the control unit 11 of the mobile terminal 10 outputs a warning message to the touch panel display 14.

  In the above embodiment, the control unit 11 of the mobile terminal 10 executes a payment medium candidate specifying process (step S1-4) and a payment medium selection process (step S1-5). Here, a default medium may be set. In this case, the default medium flag is recorded in the wallet information storage area 122 in association with the medium code, or the medium code of the default medium is recorded in the store information storage area 121 based on the designation by the user. Then, in the process for specifying an available medium in the store (step S1-3), the settlement processing unit 111 of the control unit 11 acquires the available medium type recorded in the specified store management record. In this case, when the medium code of the default medium is recorded in the store information storage area 121, this settlement medium is specified as an available medium. If the medium code of the default medium is not recorded in the store information storage area 121, the settlement processing unit 111 checks the default medium flag in the wallet information storage area 122. When the default medium flag is recorded, the settlement medium of the medium code associated with the default medium flag is specified as an available medium. When the default medium information is not recorded in the wallet information storage area 122 and the store information storage area 121, or when the default medium in the wallet information storage area 122 cannot be used, the settlement medium candidate is specified according to the current position. Processing is executed (step S1-4). Thereby, it is possible to make a payment using a default store in a specific store or normal use.

  In the above embodiment, the control unit 11 of the mobile terminal 10 executes a payment medium candidate specifying process (step S1-4). Here, you may consider the privilege information of an available medium. In this case, an access destination for acquiring privilege information is recorded in the wallet information storage area 122. And the control part 11 of the portable terminal 10 performs the acquisition process of the privilege information of an available medium after performing the specific process (step S1-3) of the available medium in a shop. Specifically, the payment processing unit 111 of the control unit 11 acquires privilege information for each payment medium candidate from the access destination recorded in the wallet information storage area 122. Next, the control unit 11 of the mobile terminal 10 displays the benefit information acquired for each settlement medium candidate in the settlement medium selection process (step S1-5). Thereby, an advantageous transaction can be performed in the visited store.

  In the above embodiment, the control unit 11 of the mobile terminal 10 executes a payment medium candidate specifying process (step S1-4). In this case, the settlement processing unit 111 arranges the settlement media in the order of the most frequently used transactions based on the settlement history record. Here, the priority order may be determined using a settlement history other than the number of times of use. For example, the priority order may be determined based on the usage time zone. In this case, the payment processing unit 111 identifies a payment history record in a time zone including the current time in the payment history information storage area 123, and gives a high priority to a payment medium having a large number of uses. As a result, the priority order of payment medium candidates can be determined according to the commonality of the usage time zones.

  Further, the priority order may be determined based on the location area of the store. In this case, the settlement processing unit 111 uses the store information storage area 121 to specify the area of the visited store. Next, the settlement processing unit 111 specifies a store management record in which the store position is included in this area. And the payment process part 111 determines a priority based on the payment history record in the specified shop. Thereby, the priority order of the payment medium candidates can be determined according to the commonality of the usage regions.

  Moreover, you may determine a priority based on a store attribute. In this case, the settlement processing unit 111 uses the store information storage area 121 to specify a store management record that is common with the store attribute of the visited store. And the payment process part 111 determines a priority based on the payment history record in the specified shop. Thereby, the priority order of payment medium candidates can be determined according to the commonality of store attributes.

In addition, the usage status of the available media of the payment medium may be compared, and the available media with less usage may be specified as the payment media. In this case, the control unit 11 of the mobile terminal 10 specifies the payment history management record for the most recent predetermined period in the payment history information storage area 123 and totals the payment amount for each payment medium. Priorities are determined in ascending order of total amount. Thereby, the usage amount of the payment medium candidate can be made uniform.
Further, future withdrawal schedule information may be acquired, and a settlement medium may be specified according to a balance prediction based on this withdrawal schedule information. In this case, payment information (periodic payment amount) recorded in the transaction information storage area 124 can be used as withdrawal schedule information. Further, the withdrawal schedule information in the account of each settlement medium may be acquired from the bank server 40 and the balance prediction may be performed. When the predicted balance is equal to or larger than a predetermined reference amount, the medium is specified as an available medium.

  In the above embodiment, the control unit 11 of the mobile terminal 10 executes a payment medium candidate specifying process (step S1-4). Here, the priority order of the payment medium candidates may be determined based on the payment medium usage conditions. In this case, data related to the access destination for acquiring the payment medium usage conditions and the payment medium usage status is recorded in the payment medium record recorded in the wallet information storage area 122. For example, payment conditions for annual membership fees determined by the usage status of the payment medium can be used as the payment medium usage conditions.

The settlement process will be described with reference to FIG.
First, the control unit 11 of the mobile terminal 10 repeats the following process for each payment medium.
Here, the control part 11 of the portable terminal 10 performs the acquisition process of the usage condition of a payment medium (step S3-1). Specifically, the payment processing unit 111 of the control unit 11 acquires the payment medium usage condition from the access destination recorded in the payment medium record in the wallet information storage area 122. As the payment medium usage condition, for example, a usage amount that can reduce the annual membership fee and a time limit for reaching this usage amount are acquired.

  Next, the control part 11 of the portable terminal 10 performs the acquisition process of the utilization condition of a payment medium (step S3-2). Specifically, the payment processing unit 111 of the control unit 11 transmits a payment medium usage status request including the medium code to the access destination recorded in the payment medium record. Then, the settlement processing unit 111 acquires a usage status request from the access destination.

  Next, the control unit 11 of the mobile terminal 10 performs a determination process as to whether or not the usage conditions can be achieved by the time limit (step S3-3). Specifically, the payment processing unit 111 of the control unit 11 compares the payment medium usage condition with the payment medium usage status. If the payment medium usage conditions are already satisfied, they are excluded from the payment medium usage candidates. On the other hand, if the payment medium usage conditions are not satisfied, the payment processing unit 111 makes a future prediction based on the trend of the payment medium usage status in the most recent predetermined period, and determines whether the payment medium usage conditions are satisfied by the arrival deadline. To do. For example, a slope is calculated from the usage amount for a predetermined period, and when the settlement medium is used with this slope from the current usage amount, it is determined whether or not there is a possibility of reaching the settlement medium usage condition before the deadline. If there is a possibility of satisfying the payment medium usage condition from the future prediction, it is determined that the usage condition can be achieved by the deadline.

When it is determined that the usage conditions can be achieved by the time limit (in the case of “YES” in step S3-3), the control unit 11 of the mobile terminal 10 executes a specific process as a usage candidate (step S3-4). Specifically, the settlement processing unit 111 of the control unit 11 records the use candidate flag in the settlement medium record of the wallet information storage area 122 using this settlement medium as the use candidate medium.
The above processing is repeated for all settlement media recorded in the wallet information storage area 122.

  And the control part 11 of the portable terminal 10 performs the specific process (step S1-3) of the identification method of the available position in a shop (step S1-1)-shop location. In this step S1-3, when the use candidate flag is recorded in the payment medium record, this payment medium is specified as an available medium. On the other hand, when the payment medium record in which the use candidate flag is recorded cannot be specified, the available medium is specified based on the store as in the above embodiment. Thereby, the payment medium can be selected in consideration of the payment medium usage conditions. And the process after step S1-4 is performed.

  In the above embodiment, the control unit 11 of the mobile terminal 10 performs a payment medium selection process (step S1-5). Here, a payment medium is selected from the payment medium candidates displayed on the touch panel display 14. Here, the settlement medium may be specified by voice recognition.

The settlement process will be described with reference to FIG.
First, the control unit 11 of the mobile terminal 10 executes a current position specifying process (step S1-1) to an available medium specifying process in a store (step S1-3).

  Next, the control part 11 of the portable terminal 10 performs an audio | voice acquisition process (step S4-1). Specifically, the user utters a keyword about a desired settlement medium. The settlement processing unit 111 of the control unit 11 converts the keyword into text by voice recognition. As this keyword, a medium type, an issuer, a medium code, or the like can be used.

  Next, the control part 11 of the portable terminal 10 performs the search process of the payment medium close | similar to a recognition result (step S4-2). Specifically, the settlement processing unit 111 of the control unit 11 specifies a settlement medium record in which a medium type, an issuer, a medium code, and the like that are close to the voice-recognized keyword are recorded.

  Next, the control part 11 of the portable terminal 10 performs the payment medium selection process (step S4-3). Specifically, the settlement processing unit 111 of the control unit 11 selects the settlement medium of the identified settlement medium record as an available medium.

  -In the above-mentioned embodiment, control part 11 of personal digital assistant 10 performs store specific processing based on position information (Step S1-2). Here, you may make it propose the shop which may visit. In this case, schedule information is recorded in the memory 12 of the mobile terminal 10. This schedule information includes information on the visit date and time and the place of visit.

The use store proposal process will be described with reference to FIG.
First, the control unit 11 of the mobile terminal 10 executes schedule information acquisition processing (step S5-1). Specifically, the settlement processing unit 111 of the control unit 11 specifies the current date and time, and acquires the latest future schedule information from the memory 12.

  Next, the control part 11 of the portable terminal 10 performs the movement path | route specific process by schedule information (step S5-2). Specifically, the settlement processing unit 111 of the control unit 11 predicts the user's route by accessing the map information site and performing a route search from the current location to the visited location.

  Next, the control unit 11 of the mobile terminal 10 executes time sale information acquisition processing in the vicinity of the movement route (step S5-3). Specifically, the settlement processing unit 111 of the control unit 11 identifies a store on the route from the map information site. Then, the settlement processing unit 111 collates the medium type recorded in the wallet information storage area 122 with the usable medium of each store, and specifies a store that can use the user's settlement medium. Next, the settlement processing unit 111 accesses the store site of each identified store, and acquires information regarding the time sale currently being held and the time sale scheduled within a predetermined period from the current date and time. Next, the settlement processing unit 111 predicts the time to reach the store on the route, and specifies time sale information included in the time sale period.

Next, the control unit 11 of the mobile terminal 10 executes time sale information proposal processing (step S5-4). Specifically, the settlement processing unit 111 of the control unit 11 outputs the specified time sale information to the touch panel display 14.
Thereby, an advantageous transaction can be performed in consideration of the schedule.

  In the above embodiment, the control unit 11 of the mobile terminal 10 executes a settlement request process (Step S1-6). Here, the user information stored in the mobile terminal 10 may be provided to the store terminal 20. In this case, personal information is recorded for each item in the memory 12 of the mobile terminal 10 and items that can be provided to the store are recorded.

  The store terminal 20 holds information items (store needs) of personal information required by the store. Furthermore, the store terminal 20 stores information on the privilege provided to the user for each information item when the personal information of the user is acquired. Further, the store terminal 20 records transaction information using the mobile terminal 10 in association with the personal information acquired from the mobile terminal 10. This transaction information is used for sales promotion.

The settlement process will be described with reference to FIG.
First, the control unit 11 of the mobile terminal 10 executes a current position specifying process (step S1-1) to a settlement medium selecting process (step S1-5).

  Next, the control part 11 of the portable terminal 10 performs the store side needs acquisition process (step S6-1). Specifically, the settlement processing unit 111 of the control unit 11 acquires information items of personal information of store side needs from the store terminal 20.

  Next, the control part 11 of the portable terminal 10 performs the collation process of store side needs and the personal information which can be provided (step S6-2). Specifically, the settlement processing unit 111 of the control unit 11 compares the personal information recorded in the memory with the information items of the store side needs.

  Next, the control part 11 of the portable terminal 10 performs the determination process about whether there exists personal information suitable for shop side needs (step S6-3). Specifically, the settlement processing unit 111 of the control unit 11 determines that there is personal information that meets the store-side needs when the personal information of the store-side needs information item is recorded as a provisionable item. .

  When it is determined that there is personal information that meets the store-side needs (in the case of “YES” in step S6-3), the control unit 11 of the mobile terminal 10 executes personal information provision processing (step S6-4). Specifically, the settlement processing unit 111 of the control unit 11 transmits personal information meeting the store side needs to the store terminal 20. In this case, the store terminal 20 temporarily records personal information.

Next, the control part 11 of the portable terminal 10 performs privilege acquisition processing from the store side (step S6-5). Specifically, the store terminal 20 provides a privilege according to the acquired information item to the mobile terminal 10. The settlement processing unit 111 of the control unit 11 acquires a privilege from the store terminal 20.
Next, the control part 11 of the portable terminal 10 performs a payment request | requirement process similarly to step S1-6 (step S6-6). In this case, the settlement processing unit 111 of the control unit 11 transmits a transaction request to the store terminal 20 using the privilege acquired from the store terminal 20. The store terminal 20, the temporarily recorded personal information, and the transaction contents (sales products and use services) are recorded in association with each other. Thereby, it can utilize for sales promotion by associating personal information and transaction content.

  In the above embodiment, the bank server 40 executes a determination process as to whether payment is possible (step S1-8). Specifically, the bank server 40 compares the transaction amount with the account balance. If there is an account balance greater than the transaction amount, it is determined that payment is possible. Here, if an account opened in a financial institution is used, the account balance is not limited. For example, in a transaction with a user, it may be determined whether settlement is possible based on credit (overdraft). In this case, the account information storage unit of the bank server 40 records the overdraft limit amount and the overdraft loan amount for each account. Then, when the amount obtained by adding the transaction amount to the overdraft loan amount is equal to or less than the overdraft upper limit amount, it is determined that settlement is possible.

  In the above embodiment, the control unit 11 of the mobile terminal 10 executes a settlement request process (Step S1-6), and the bank server 40 executes an account balance acquisition process (Step S1-7). In addition, the mobile terminal 10 may acquire balance information from the bank server 40 when the wallet application is activated. In this case, balance information is acquired from the bank server 40 via the Internet. In the payment medium selection process (step S1-5), the balance is displayed on the payment medium candidate (cash card) output to the touch panel display 14.

  DESCRIPTION OF SYMBOLS 10 ... Portable terminal, 11 ... Control part, 111 ... Settlement processing part, 112 ... Evaluation processing part, 113 ... Accounting processing part, 12 ... Information storage part, 13 ... Location information acquisition part, 14 ... Touch panel display, 30 ... Relay server 40 ... Bank server.

Claims (8)

A wallet management system comprising a control unit connected to a financial institution server that manages a user account opened at a financial institution,
The control unit is
Get user location information,
Based on the location information, an available medium is specified,
If the available medium includes a default medium designated in advance, the default medium is specified as a payment medium used for payment;
If the usable medium does not include a default medium designated in advance and a plurality of usable media are specified, the usage status of the usable medium is acquired,
In the available medium, based on the usage situation, identify a payment medium to be used for payment,
Identify the store-side needs of the store identified based on the location information,
Provide personal information that meets the store side needs to the store terminal of the store, and obtain a privilege according to the provision,
A wallet management system, wherein when a payment medium using an account is specified , a payment request process using the privilege is executed on the financial institution server.   A wallet management system comprising a control unit connected to a financial institution server that manages a user account opened at a financial institution,
  The control unit is
  Get user location information,
  Based on the location information, an available medium is specified,
  If the available medium includes a default medium designated in advance, the default medium is specified as a payment medium used for payment;
  If the usable medium does not include a default medium designated in advance and a plurality of usable media are specified, the usage status of the usable medium is acquired,
  In the usable medium, when a payment medium to be used for payment is specified based on the usage status and a payment medium using an account is specified, a payment request process is executed for the financial institution server,
  From the financial institution server, obtain usage details information regarding deposits and withdrawals in the account that has performed the settlement request processing,
  Based on the usage details information, the difference between the deposit amount and the withdrawal amount in the evaluation period is compared with a reference amount, and if the difference is lower than the reference amount, it is determined that the amount is overused and alerts are issued. ,
  Wallet management characterized in that an accounting processing unit that holds an expense table for classifying the deposits and withdrawals into expenses executes an accounting process for classifying the usage details information using the expense item table system. The control unit is
Compare usage of multiple available media,
The wallet management system according to claim 1 or 2 , wherein an available medium with little use is specified as a settlement medium. The control unit is
Obtain future withdrawal schedule information for multiple available media,
The wallet management system according to any one of claims 1 to 3 , wherein a settlement medium is specified based on the withdrawal schedule information. A method for performing wallet management using a wallet management system having a control unit connected to a financial institution server that manages a user account opened in a financial institution,
The control unit is
Get user location information,
Based on the location information, an available medium is specified,
If the available medium includes a default medium designated in advance, the default medium is specified as a payment medium used for payment;
If the usable medium does not include a default medium designated in advance and a plurality of usable media are specified, the usage status of the usable medium is acquired,
In the available medium, based on the usage situation, identify a payment medium to be used for payment,
Identify the store-side needs of the store identified based on the location information,
Provide personal information that meets the store side needs to the store terminal of the store, and obtain a privilege according to the provision,
A wallet management method, wherein when a payment medium using an account is specified , a payment request process using the privilege is executed on the financial institution server.   A method for performing wallet management using a wallet management system having a control unit connected to a financial institution server that manages a user account opened in a financial institution,
  The control unit is
  Get user location information,
  Based on the location information, an available medium is specified,
  If the available medium includes a default medium designated in advance, the default medium is specified as a payment medium used for payment;
  If the usable medium does not include a default medium designated in advance and a plurality of usable media are specified, the usage status of the usable medium is acquired,
  In the usable medium, when a payment medium to be used for payment is specified based on the usage status and a payment medium using an account is specified, a payment request process is executed for the financial institution server,
  From the financial institution server, obtain usage details information regarding deposits and withdrawals in the account that has performed the settlement request processing,
  Based on the usage details information, the difference between the deposit amount and the withdrawal amount in the evaluation period is compared with a reference amount, and if the difference is lower than the reference amount, it is determined that the amount is overused and alerts are issued. ,
  Wallet management characterized in that an accounting processing unit that holds an expense table for classifying the deposits and withdrawals into expenses executes an accounting process for classifying the usage details information using the expense item table system. A program for performing wallet management using a wallet management system including a control unit connected to a financial institution server that manages a user account opened in a financial institution,
The control unit
Get user location information,
Based on the location information, an available medium is specified,
If the available medium includes a default medium designated in advance, the default medium is specified as a payment medium used for payment;
If the usable medium does not include a default medium designated in advance and a plurality of usable media are specified, the usage status of the usable medium is acquired,
In the available medium, based on the usage situation, identify a payment medium to be used for payment,
Identify the store-side needs of the store identified based on the location information,
Provide personal information that meets the store side needs to the store terminal of the store, and obtain a privilege according to the provision,
A wallet management program that causes the financial institution server to function as a means for executing a payment request process using the privilege when a payment medium using an account is specified.   A program for performing wallet management using a wallet management system including a control unit connected to a financial institution server that manages a user account opened in a financial institution,
  The control unit
  Get user location information,
  Based on the location information, an available medium is specified,
  If the available medium includes a default medium designated in advance, the default medium is specified as a payment medium used for payment;
  If the usable medium does not include a default medium designated in advance and a plurality of usable media are specified, the usage status of the usable medium is acquired,
  In the usable medium, when a payment medium to be used for payment is specified based on the usage status and a payment medium using an account is specified, a payment request process is executed for the financial institution server,
  From the financial institution server, obtain usage details information regarding deposits and withdrawals in the account that has performed the settlement request processing,
  Based on the usage details information, the difference between the deposit amount and the withdrawal amount in the evaluation period is compared with a reference amount, and if the difference is lower than the reference amount, it is determined that the amount is overused and alerts are issued. ,
  The usage details information is made to function as means for executing an accounting process for classifying an expense using the expense item table by an accounting processing unit that holds an expense table for classifying the deposit and withdrawal as an expense. Wallet management program.

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