JP6660442B2 - Display control program, terminal, and display control method - Google Patents

Description

  The present invention relates to a display control program, a terminal, and a display control method for displaying payment information associated with a user.

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

JP-A-07-073247

  By the way, it is required to appropriately display information on a plurality of settlement methods used by a user.

  The present invention has been made in view of such a demand, and an object of the present invention is to provide a display control program, a terminal, and a display method for appropriately displaying information on a plurality of payment methods used by a user.

In a first aspect of the present invention, the terminal accesses the server with identification information for identifying the terminal or the user of the terminal, and indicates the charge amount of the first payment method of the prepaid system from the server. Information, information indicating a usage amount of a second payment method that is a credit card payment method, and a first payment method, a second payment method, and a service provided by using the terminal. , acquisition unit acquire the information indicating the balance of points managed by integrated, and, based on the information acquired by the acquiring unit, a first screen for displaying the balance of the points and the charge amount, A display control unit that functions as a second screen that displays the usage amount of the second settlement method on a display unit included in the terminal in response to a user operation. Subjected to.

  Further, the points may be awarded based on a fixed amount of which the amount is fixed among the usage amounts of the second settlement method.

  Further, the points may be given based on the use of a communication service using the terminal, which is included in a service using the terminal.

  Further, the display control unit may display, on the second screen, a fixed amount for which the payment amount is determined and an unconfirmed amount for which the payment amount is undetermined, as the usage amounts of the second settlement method.

In a second aspect of the present invention, a terminal capable of communicating with a server accesses the server with a display unit and identification information for identifying the terminal or a user of the terminal. Information indicating the charge amount of the first payment method of the system, information indicating the usage amount of the second payment method which is a credit card payment method, the first payment method, the second payment method, and the terminal. granted to the user based on the use of medicinal service, an acquisition unit acquire the information indicating the balance of points managed by integrating, on the basis of information acquired by the acquiring unit, of the point and the charge amount Provided is a terminal including: a first screen for displaying a balance; and a display control unit for displaying a second screen for displaying a usage amount of the second settlement method on the display unit in response to a user operation. That.

In a third aspect of the present invention, a terminal capable of communicating with a server accesses the server with identification information for identifying the terminal or a user of the terminal, and a first payment method of a prepaid system is transmitted from the server. , The information indicating the amount of use of the second payment method, which is a credit card payment method, and the first payment method, the second payment method, and the use of the service using the terminal. Te granted to a user, comprising: acquire the information indicating the balance of points managed by integrated, the terminal, based on the information acquired in the step of the acquisition, the balance of the points and the charge amount And a second screen displaying the usage amount of the second payment method on a display unit of the terminal in response to a user operation. Provides a display control method comprising the flop, the.

  According to the present invention, it is possible to appropriately display information on a plurality of settlement methods used by a user.

It is a figure showing the outline of an electronic currency management system. It is a figure showing the system configuration of an electronic currency management system. FIG. 4 is a diagram illustrating information managed by a card management server and a carrier server. It is a figure showing information managed by a point management server. It is a figure showing operation at the time of purchasing goods using a card. It is a figure showing operation at the time of purchasing goods using a user terminal. It is a figure showing operation at the time of giving a point to a user. It is a figure showing operation at the time of providing a user-specific service to a user. FIG. 2 is a block diagram illustrating a functional configuration of a user terminal and an electronic currency management device. It is a figure showing the example of a display screen of a user terminal. It is a figure showing an example of operation at the time of changing a display screen of a user terminal. It is a flowchart which shows the flow of a process of a user terminal.

[Overview of Electronic Currency Management System S]
First, an outline of the electronic currency management system S will be described with reference to FIG. As shown in FIG. 1, the electronic currency management system S includes a mobile phone of a user (hereinafter, referred to as “user terminal 12”) and an electronic currency management device 10 accessible by the user terminal 12. . In the electronic currency management system S, the user owns a credit card and a prepaid card (hereinafter, both are collectively referred to as “card 11”), and the electronic currency management device 10 Confirmation can be made on the user terminal 12.

Here, the user wants to check, for example, the total usage amount of the card 11 for one month or the charge amount of the credit card in the following month as the usage status of the card 11. The electronic currency management device 10 acquires a history that matches the usage situation that the user wants to confirm from the usage history of the card 11 and provides the history to the user terminal 12. Specifically, when the user desires the total usage amount of the card 11 for one month, the electronic currency management device 10 sets the card 11 as a period from the beginning of the month to the end of the month (hereinafter, referred to as “aggregation period”). When the user wishes to confirm the billing amount of the next month, the electronic currency management device 10 sets the period from the day after the billing closing day of the previous month of the credit card to the billing closing day of the current month (hereinafter, referred to as The usage history of the card 11 is acquired as a “billing period” and provided to the user terminal 12.
Thereby, the user can appropriately confirm the usage status of the card 11 desired by the user. Hereinafter, an example of a specific configuration for realizing the electronic currency management system S will be described.

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

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

  The card 11 is a card for performing settlement using the international brand settlement NW50, and is a credit card that can postpay the use amount by credit card settlement, or settlement of the use amount based on a precharged amount. Prepaid card or a postpaid card that pays the amount of charge later. As the card 11, an integrated card that can select any one of these settlement methods may be used.

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

  The card management server 2 is a server that manages, as a usage history of the card 11, a usage history corresponding to a prepaid payment method and a usage history corresponding to a credit card payment method for each user. Here, FIG. 3A and FIG. 3B show examples of various information stored in the card management server 2. FIG. 3A shows an example of information stored in the card management server 2 in accordance with the prepaid payment method, and FIG. 3B shows information stored in the card management server 2 in accordance with the credit card payment method. An example is shown.

  As shown in FIG. 3A, the card management server 2 stores various information such as a prepaid card number, a balance, and a usage history in association with a management number. Further, as shown in FIG. 3B, the card management server 2 stores various information such as a credit card number, a bill closing date and a usage history in association with the management number. Hereinafter, when both the prepaid card number and the credit card number are indicated, they are simply referred to as “card numbers”.

  The card number is a number consisting of approximately 16 alphanumeric characters set on the card 11 and is identification information for identifying the card 11. The management number is a number that uniquely corresponds to the card number, and is used to identify the card 11 instead of the card number when cooperating with another server. The balance is information indicating the balance of the amount charged in the account specified by the prepaid card number set in the card 11. The billing closing date is a date for summing up the amount of use of the credit card, and is used to specify a billing period. The usage history is a history of shopping using the card 11, and includes a usage date using the card 11, a product / service to be purchased, a usage amount, a purchase place (store name), and the like.

Here, in the settlement using a credit card, the settlement is performed by the store performing sales processing after securing the usage frame. Since it is common for a predetermined number of days to occur before the payment process is performed after the use slot is secured, the amount at the time of using the credit card is the amount of money at the time of the payment process. May be different.
Therefore, as shown in FIG. 3B, the usage history of the credit card is, as shown in FIG. 3B, the date of use of the credit card, the provisional amount which is a provisional value of the use amount, and the processing date of the sales processing at the store. , And a fixed amount that is a definite value of the usage amount.

  Returning to FIG. 2, the carrier server 3 is a server used by a communication carrier, and manages a use history regarding use of the user terminal 12. The use of the user terminal 12 includes, for example, settlement of content or merchandise purchase using the user terminal 12 and use accompanying a communication fee. The carrier server 3 calculates a billing amount based on the usage history of the user terminal 12 and bills the user.

  Further, the carrier server 3 functions as an entrance (portal) for providing a service in the electronic currency management system S to the user terminal 12. For example, in response to a request from the user terminal 12, the carrier server 3 sends information about the card 11 (for example, the balance of the charge amount of the prepaid card and the amount of the credit card charged within a predetermined period) from the card management server 2. Obtain and notify the user terminal 12. Similarly, the carrier server 3 acquires the points associated with the user ID from the point management server 4 and notifies the user terminal 12 of the remaining number of points.

Here, FIG. 3C shows an example of various types of information managed in the carrier server 3. As shown in FIG. 3C, the carrier server 3 stores various information such as the telephone number of the user terminal 12, the billed amount, the usage history, the contract ID, and the contractor name in association with the user ID.
The user ID is identification information for identifying the user terminal 12 or a user who uses the user terminal 12. The telephone number is a telephone number set in the user terminal 12, which is a communication terminal.

  The billing amount is an amount charged to the user in accordance with the use of the user terminal 12, and includes, for example, a communication fee and a usage fee of the content used by the user terminal 12. In addition, depending on the communication carrier, not only a mobile phone but also a complex service such as a fixed telephone or a cable television may be provided to the user. It may include fees for services that are available. The usage history is a history related to the settlement used by the user terminal 12, and includes the type of usage mode (for example, content usage fee, communication fee, and the like) and the date and time when the request occurred.

The contract ID is identification information for identifying a contract concluded with the communication carrier, and is information indicating that the contractor has made the contract. A communication carrier may charge a communication fee collectively for the same person or family. The contract ID and the contractor name are information for determining a range in which communication charges are to be collected and an object to which the collected communication charges are to be charged.
Although not shown, the carrier server 3 has already paid the information related to the contract such as the contract term of the user terminal 12, the contract date and time, and the billing amount according to the use of the user terminal 12 in association with the user ID. It may be possible to store information relating to payment of a communication fee such as a delay.

Returning to FIG. 2, the point management server 4 acquires the usage history of the card 11 managed by the card management server 2 and the usage history of the user terminal 12 managed by the carrier server 3, and gives the user based on the usage history. Manage points. Specifically, the point management server 4 assigns points given based on use of the card 11 (for example, shopping using the card) and usage of the user terminal 12 (for example, purchase of contents and payment of communication fee). The points given based on the information are integrated and managed in association with the user.
Here, FIGS. 4A and 4B show an example of various types of information managed in the point management server 4.

  As shown in FIG. 4A, the point management server 4 stores various information such as date and time, use history, fixed points, provisional points, and total points in association with the management number and the user ID. The user ID is identification information for identifying a user who uses the user terminal 12, and is used when cooperating with the carrier server 3. The management number is a number that uniquely corresponds to the card number, and is used when cooperating with the card management server 2. The date and time is the date and time when the points were given due to the use of the card 11 or the user terminal 12, or the date and time when the given points were used. Further, the usage history indicates a history related to giving points or a history related to using points.

The fixed points and the provisional points are based on the usage history of the card 11 obtained from the card management server 2 and the billing amount obtained from the carrier server 3, and the number of points given to the corresponding user or the number of points used by the user. This is information indicating the number of points obtained. The fixed points are points given based on the fixed amount or points used by the user, and the provisional points are points given based on the provisional amount. The total point is the total number of points given to the user, and indicates the total number of fixed points, the total number of temporary points, and the total number of fixed points and temporary points.
In the case of the example shown in FIG. 4A, the user ID “TARO97” is provided with a total of “880P” as a fixed point due to the use of the card 11 and the user terminal 12, and is provided with a total of “170P” as a temporary point. , "1050P" is given together with the fixed point and the provisional point.

  In addition, as shown in FIG. 4B, the point management server 4 stores a point giving rate for calculating points to be given based on the usage amount and the billing amount in association with the usage form. As a usage form, use of the card 11 or use of the user terminal 12 can be considered. In addition to these, the rate according to whether the store using the card 11 is a regular store, a point preferential store, or the like is determined. May be different. Information indicating a store using the card 11 can be obtained by receiving a use history from the card management server 2.

  In addition, in the point management server 4, when the contract with the service provider using the user terminal 12 is canceled, the point may be changed to a state where the points cannot be used. For example, it is assumed that a communication carrier provides a communication service using the user terminal 12 and gives a user of the user terminal 12 points according to a communication fee. In this case, when the point management server 4 acquires from the carrier server 3 information indicating that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 deletes the points stored in association with the user terminal 12. It may be. Further, when acquiring the information indicating that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 may store the point balance with a flag indicating that points cannot be used. . In this case, when the point management server 4 receives the notification that the contract has been resumed within a predetermined period after canceling the contract, the point management server 4 changes the above-mentioned flag so that the points can be used. Good.

  In the electronic currency management system S having the configuration described above, the card management server 2, the carrier server 3, and the point management server 4 cooperate with each other to provide the user terminal 12 with information on the user's payment. Specifically, in the electronic currency management system S, a management number is associated with both the card number and the user ID, and the use of the card 11 and the use of the user terminal 12 are linked by using the management number. The information about the card 11, the information about the user terminal 12, and the information about the given points are integrated and managed. When there is a request from the user terminal 12, the payment information is provided using the integrated information, so that the usage status of the card 11 desired by the user can be provided appropriately.

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

[Operation When Using Card 11]
First, with reference to FIG. 5, an operation when performing settlement using the card 11 will be described. The card 11 can be used in a real shop or a virtual shop on the Internet.
In step S11, with the use of the card 11, the settlement NW 50 provided by the international brand is notified of the card number of the card 11 and information on product purchase. For example, when purchasing a product at a real store, the information of the card 11 is notified to the settlement NW 50 by reading the card 11 via a card reader, and when purchasing a product at the virtual store, a predetermined By transmitting the information, the information of the card 11 is notified to the settlement NW 50. The information on product purchase is, for example, information on purchase date and time, usage amount, purchased product, purchased store, and the like.

  When a predetermined payment process is performed in the payment NW 50, the payment NW 50 notifies the card management server 2 of a card number and information on product purchase in step S12. As shown in FIGS. 3A and 3B, the card management server 2 manages various kinds of information in association with a credit card number and a prepaid card number, respectively. When the information about the purchase of the product or the service is received, the usage history corresponding to the information is added to the usage history corresponding to the payment method related to the received card number.

For example, when a prepaid card is used, in step S13A, the card management server 2 subtracts the purchase amount from the balance associated with the received prepaid card number and adds a use history.
When a credit card is used, in step S13B, the card management server 2 updates the usage history of the received credit card number. Specifically, when the card management server 2 receives a request for securing a use frame from a store, the card management server 2 adds a provisional amount together with the timing of receiving the request (use date in FIG. 3B) as a use history. Further, when the card management server 2 receives the sales process from the store, the card management server 2 adds the determined amount as the usage history together with the timing of receiving the process (the processing date in FIG. 3B).

  Subsequently, in step S15, the card management server 2 notifies the point management server 4 of the information on product purchase together with the management number specified in step S14. The point management server 4 updates the points associated with the user ID corresponding to the management number based on the acquired information on the purchase of the product.

[Operation When Using User Terminal 12]
Next, with reference to FIG. 6, an operation when making a payment using the user terminal 12 will be described. In a communication carrier, a settlement method called carrier settlement, which charges a service charge together with the communication charge of the user terminal 12, is known. FIG. 6 shows an operation example when carrier payment is performed.
If the user desires to use a paid service at the user terminal 12 and perform the payment for the service by carrier payment, the user terminal 12 associates information on the use of the user terminal 12 with the user ID in step S21. The server 3 is notified. The information on the use of the user terminal 12 is, for example, information such as the date and time when the service was used, the service usage fee, and the service used.

  As shown in FIG. 3C, the carrier server 3 manages various types of information in association with the user ID. When the carrier server 3 receives the user ID that has performed the carrier settlement and the information related to the use of the user terminal 12, the carrier server 3 receives the information. The usage history corresponding to the information is added to the usage history corresponding to the user ID. For example, in step S22, the carrier server 3 adds the usage fee of the service to the billing amount associated with the received user ID, and adds the used service name and the usage date and time to the usage history.

  Subsequently, in step S23, the carrier server 3 notifies the point management server 4 of information on the use of the user terminal 12 together with the user ID. The point management server 4 updates the points associated with the user ID based on the acquired information.

[Operation when giving points]
Next, with reference to FIG. 7, an operation for giving points to a user will be described. As described above, in the electronic currency management system S of the present embodiment, points are given according to the purchase of a product or the like using the card 11 (prepaid card and credit card), and also according to the use of the user terminal 12. Give points.

  When a point is given according to the purchase of a product using the card 11, the point management server 4 acquires information on product purchase together with the management number from the card management server 2 in step S31. Then, in step S32, the point management server 4 specifies a rate corresponding to the store where the product was purchased, and calculates points corresponding to the usage amount based on the rate. The processing of steps S31 and S32 is performed every time the user purchases a product using the card 11.

  Here, as described above, the points given according to the use of the credit card include the fixed points and the provisional points. In this regard, when only a provisional amount is set as the credit card use history, the point management server 4 calculates provisional points based on the provisional amount. On the other hand, when the fixed amount is set as the credit card use history, the point management server 4 calculates a fixed point based on the fixed amount.

After calculating the points according to the usage amount, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID corresponding to the management number.
If the usage amount is determined after provisional points corresponding to the provisional amount (undetermined usage amount), the point management server 4 deletes the provisional points provided before the usage amount is determined. At the same time, a fixed point corresponding to the fixed amount is given to the user.

When points are given according to the use of the user terminal 12, the point management server 4 acquires the charge amount from the carrier server 3 together with the user ID in step S33. Then, in step S34, the point management server 4 calculates points according to the billed amount based on the predetermined rate. Note that the processing of steps S33 and S34 is performed at the timing when the billing amount is determined (for example, at the end of the month).
After calculating the points according to the billing amount, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID.

[Operations when providing services to users]
Next, with reference to FIG. 8, an operation when providing a service unique to the user who uses the electronic currency management system S will be described.

  When the user terminal 12 accesses the carrier server 3 with a user ID in step S41, the carrier server 3 notifies the point management server 4 of the user ID in step S42. In step S43, the point management server 4 acquires information on the service corresponding to the notified user ID, and notifies the carrier server 3 of the service. In step S44, the service is provided from the carrier server 3 to the user terminal 12. Is done.

  The service corresponding to the user ID is, for example, a service that enables the use history of the card 11 owned by the user to be checked. As will be described later in detail, the point management server 4 can individually check the usage history of the prepaid card and the usage history of the credit card, and also can check the usage history integrating both the prepaid card and the credit card. I do.

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

[Configuration of Electronic Currency Management System S]
First, the configuration of the electronic currency management system S will be described with reference to FIG. As shown in FIG. 9, the electronic currency management system S includes an electronic currency management device 10 that manages payment information for each user, and a user terminal 12 that displays payment information to the user. The electronic currency management device 10 may be realized by any one of the card management server 2, the carrier server 3, and the point management server 4. In addition, the card management server 2, the carrier server 3, and the It may be realized by cooperation of the point management server 4.

  The electronic currency management device 10 includes a point storage unit 71 and a card information storage unit 72.

The point storage unit 71 stores, in association with identification information (user ID or management number) for identifying a user who uses the service, points given to or used by the user, and time information at which the point was given or used. Remember. Specifically, the point storage unit 71 stores the points given to the user by using the prepaid card, the points given to the user by using the credit card, and the user based on the transaction using neither the prepaid card nor the credit card. The assigned points and the points used by the user are stored.
The information stored in the point storage unit 71 corresponds to the information (FIG. 4A) stored in the point management server 4 described above.

In addition, the points awarded according to the transaction using neither the prepaid card nor the credit card include, for example, the points awarded according to the above-described carrier settlement using the user terminal 12 and a link to the user ID. It may include points given according to any given transaction, and may also include points (such as visiting points) that are given periodically (once a day) free of charge.
In addition, since it takes time until the amount is determined in the use of a credit card, the point storage unit 71 is provided based on the finalized amount of the billed amount as points given to the user by using the credit card. Fixed points and provisional points given based on the provisional amount of the billed amount may be stored.

The card information storage unit 72 stores a charge balance and a usage history of a prepaid card, and a closing date (or a billing period) and a usage history of a credit card, in association with identification information for identifying a user who uses the service. The usage history of the prepaid card and the credit card includes the date of use of the card 11, the product / service to be purchased, the usage amount, the place of purchase (store name), and the like. , Whether or not the usage amount has been determined, and the date on which the usage amount has been determined (processing date).
The information stored in the card information storage unit 72 corresponds to the information (FIGS. 3A and 3B) stored in the card management server 2 described above. In FIGS. 3A and 3B, the information of the card 11 is managed based on the management number, and this management number is associated with the user ID as shown in FIG. 4A. Therefore, it can be said that the card management server 2 stores information on the card 11 in association with identification information (user ID) for identifying a user.

Returning to FIG. 9, the user terminal 12 corresponds to the display device of the present invention, and includes a display unit 91, a storage unit 92, and a control unit 93.
The display unit 91 is configured by a liquid crystal display, an organic EL (Electro-Luminescence) display, or the like, and displays payment information according to the type of the card 11 used by the user under the control of the control unit 93. The display unit 91 is provided with a touch panel 911, and receives a user operation.

The storage unit 92 is a storage medium such as a memory such as a ROM and a RAM or a hard disk. The storage unit 92 stores a program for operating the control unit 93 and data generated when the control unit 93 operates.
The control unit 93 is, for example, a CPU, and functions as an acquisition unit 931, a display control unit 932, and a determination unit 933 by executing a program stored in the storage unit 92.

The acquisition unit 931 acquires information stored in association with the user of the user terminal 12. Specifically, the acquisition unit 931 calculates the usage history of each of the prepaid card and the credit card owned by the user, the billing period for billing for the use of the credit card, and the usage totaling the usage amount of the prepaid card and the credit card. Get the history aggregation period.
As described above, the usage history of the prepaid card and the credit card includes the date of use of the card 11, the product / service to be purchased, the amount of use, the place of purchase, and the like. In addition, the credit card usage history includes, in addition to the usage date (first time information) using the credit card, the processing date (second time information) at which the payment processing for the credit card usage was performed, and the usage amount. This includes a confirmed settlement history and an unconfirmed history whose usage amount has not been decided.

  The billing period of the credit card can be acquired based on the billing closing date stored in the card information storage unit 72 of the electronic currency management device 10. The acquiring unit 931 acquires, for example, a period from the day following the bill closing day of the previous month to the bill closing day of the current month as a billing period. Further, the counting period of the prepaid card and the credit card is, for example, a period such as one month for counting the usage amount of the card 11 used by the user, and is acquired based on the operation of the user.

  The usage status of the card 11 that the user desires to grasp may be, for example, the billing amount for the next month of the credit card or the total usage amount of the card 11 for a predetermined period such as one month. The total amount of use of the card 11 for one month is the period from the beginning of the month to the end of the month, whereas the amount to be charged for the next month is determined based on the billing closing date. Become. Therefore, the billing period is different from the counting period. For example, when the user is provided with the billing amount (billing period) of the card 11 in the following month and the sum of the usage amount in the current month (counting period). The periods will be different. The user terminal 12 displays the usage status of the card 11 desired by the user on the display unit 91 by controlling the display based on the billing period or the counting period.

The display control unit 932 displays, on the display unit 91, a display screen that displays the settlement information of the card 11 based on the various information acquired by the acquisition unit 931. Specifically, the display control unit 932 displays the display screen 200 that displays the payment information of the prepaid card, the display screen 220 that displays the payment information of the credit card (first screen), or the payment information of both the prepaid card and the credit card. Is displayed on the display unit 91.
Here, an example of the display screen displayed on the display unit 91 is shown in FIG. FIG. 10A illustrates an example of the display screen 200, FIG. 10B illustrates an example of the display screen 220, and FIG. 10C illustrates an example of the display screen 240.

  As shown in FIG. 10A, the display screen 200 includes a card balance display 201 indicating the balance of the amount charged on the prepaid card, and a point number display 202 indicating the number of points given to the user. Further, as shown in FIG. 10B, the display screen 220 includes a billing amount display 221 indicating a scheduled billing amount in the next month due to the use of the credit card, a past billing amount display 222 showing a history of past billing amounts, and And a point number display 223 indicating the number of points owned by the user.

As shown in FIGS. 10A and 10B, a display screen 200 for displaying payment information of a prepaid card and a display screen 220 for displaying payment information of a credit card have a card balance display 201 and a billing amount. Although the display is different from the display 221, the point number displays 202 and 223 indicating the number of points owned by the user are common. That is, the number of points owned by the user (the number of points obtained by subtracting the total points used by the user from the total points given to the user) is displayed on both display screens.
Points can be used for payment like a prepaid card charge balance and can be allocated to payment, so the points you own are integrated and displayed regardless of the payment type that triggered the point By doing so, it is preferable for the user that the amount (point number) that can be used for settlement can be grasped in a unified manner.

  In addition, the number of points displayed together with the payment information of the prepaid card or the credit card may be the total number of fixed points, the total number of fixed points and temporary points, or the total number of fixed points and temporary points. Each of the total number of points may be used. In the example shown in FIG. 10, the point number displays 202 and 223 indicate the total number of fixed points.

Further, as shown in FIG. 10C, the display screen 240 includes a period selection unit 241, a usage amount display 242, and a history display 243.
The period selection unit 241 is an operation unit for selecting a tally period for counting the usage amount of the card 11. The acquiring unit 931 acquires a period selected by the user via the period selecting unit 241 as a totaling period. The usage amount display 242 indicates the total usage amount of the card 11 during the counting period. The usage amount display 242 displays the total usage amount of the card 11 (both the prepaid card and the credit card), the total usage amount of the prepaid card in the same counting period, and the total usage amount of the credit card in the counting period. Is displayed. The history display 243 indicates the usage history of the card 11 during the counting period, for example, the usage date, the usage location, the type of the used card, the usage amount, the purchased product, and the like.

The display control unit 932 displays the display screen 220 shown in FIG. 10B based on the usage history within the billing period among the usage history of the credit card acquired by the acquisition unit 931, and displays the credit acquired by the acquisition unit 931. The display screen 240 shown in FIG. 10C is displayed based on the usage history within the counting period among the usage histories of the card and the prepaid card.
Specifically, when the billing period is from the 21st of the previous month to the 20th of the current month, the display control unit 932 sets the display screen to display the total amount of use of the credit card during the period as the billing amount display 221. 220 is displayed. Further, when the counting period is one month, the display control unit 932 displays the display screen 240 in which the sum of the usage amounts of the credit card and the prepaid card from the beginning of the month to the end of the month is used amount display 242. .

As described above, in the display screens 220 and 240, since the periods for summing the usage amounts are different, the billing amount display 221 and the usage amount display 242A are different from each other as shown in FIGS. 10A and 10B. Become.
From the viewpoint of the user, the amount to be paid the next month can be grasped from the billing amount display 221 and, for example, the amount used during one month can be grasped from the usage amount display 242, 242A. It can be understood from the above, which is preferable.

  Here, in the settlement using a credit card, a difference of a predetermined number of days generally occurs between the timing of using the credit card and the timing of performing the settlement processing. It is necessary to calculate the amount to be paid the next month based on the timing of the settlement processing, while it is preferable to calculate the amount used in one month based on the timing of using a credit card.

Therefore, the display control unit 932 displays, on the display screen 220 as the billing amount display 221, the sum of the usage amounts of the usage histories whose settlement date is within the billing period among the credit card use histories. indicate. In addition, the display control unit 932 displays, among the credit card usage histories, the usage amount of the usage history whose credit card usage date is within the aggregation period and the usage amount of the prepaid card usage history within the aggregation period. The display screen 240 is displayed as the sum display 242 of the sum.
From the viewpoint of the user, even if the date of use of the credit card is different from the date of processing, the amount to be paid in the following month and the amount used in one month can be properly grasped, which is preferable. .

By the way, the display screen 240 displays the total amount of use of the card 11 during the counting period, and can be used as a household account book. In such a display screen 240, it is important to be able to grasp the date and amount of use of the credit card, and the degree of importance of whether the amount of use has been determined or not is reduced.
Therefore, when displaying the display screen 240, the display control unit 932 may display the total usage amount of the credit card and the prepaid card during the counting period, regardless of whether the usage amount is determined. At this time, the display control unit 932 may display the history display 243 separately from the confirmed history and the undetermined history of the credit card use history.

  On the other hand, on the display screen 220, it is important whether the usage amount is fixed or not fixed so that the amount to be paid in the following month can be grasped. Therefore, the display control unit 932 basically displays the display screen 220 without using the undetermined history of the credit card usage history. 220 may be displayed.

In addition, the display control unit 932 displays the display screens 200, 220, and 240 in a switchable manner in accordance with an operation input received from the user.
Here, FIG. 11 shows an operation example when the display screens 200, 220, and 240 are switched according to the operation input received from the user. In the present embodiment, since the touch panel 911 is provided on the display unit 91, the display control unit 932 switches the display screens 200, 220, and 240 based on a slide operation of the user.

  As an example, when the user performs a slide operation to the right in a situation where the display screen 200 is displayed on the display unit 91, the display control unit 932 causes the display of the display unit 91 to change from the display screen 200 to the display screen 220. When the switching and the slide operation to the left are performed, the display control unit 932 switches the display of the display unit 91 from the display screen 200 to the display screen 240. When the user performs a slide operation to the right while the display screen 220 is displayed on the display unit 91, the display control unit 932 switches the display of the display unit 91 from the display screen 220 to the display screen 240. When the slide operation to the left is performed, the display control unit 932 switches the display of the display unit 91 from the display screen 220 to the display screen 200. When the user performs a rightward slide operation while the display screen 240 is displayed on the display unit 91, the display control unit 932 switches the display of the display unit 91 from the display screen 240 to the display screen 200. When the slide operation to the left is performed, the display control unit 932 switches the display of the display unit 91 from the display screen 240 to the display screen 220.

Returning to FIG. 9, the determination unit 933 determines whether or not the undetermined history of the credit card usage history is to be displayed on the display screen 220. Here, the determination method by the determination unit 933 is arbitrary, and as an example, the determination unit 933 can perform the determination based on a user's instruction.
Further, as another example, the determination unit 933 may perform the determination based on whether the use date of the undetermined history to be determined is within a predetermined range of the billing period. If the use date of the credit card has a sufficient time until the closing date of the bill, there is a possibility that the settlement process is performed by the closing date of the bill even if the settlement process is not yet performed. In such a case, the determination unit 933 determines that the undetermined history is to be displayed on the display screen 220, since there is a possibility that it will be determined by the billing closing date even if it is undetermined now.

The predetermined range used for the determination condition can be set arbitrarily. As an example, the predetermined range may be set according to the user's selection.
In addition, the interval between the use date and the processing date is determined based on the timing at which sales processing is performed in the store where the credit card is used. Therefore, for example, a predetermined range may be set for each store where a credit card is used. Specifically, based on the past history of credit cards, the interval from the use of the credit card to the sales processing for each store and the timing of the sales processing are performed (for example, the sales processing is performed on the 19th of every month). Etc.), a predetermined range is set for each store.

The determination by the determination unit 933 may be performed on the user terminal 12 side, or may be performed on the electronic currency management device 10 side. That is, the determination unit 933 may be provided in the user terminal 12, or may be provided in the electronic currency management device 10.
When the determination unit 933 determines that the undetermined history is to be displayed, the display control unit 932 displays the display screen 220 using the undetermined history. At this time, the display control unit 932 may display the determined history and the undetermined history in different modes. As an example, the display control unit 932 may display the billing amount display 221 so that the user can grasp the provisional amount included in the billing amount for the next month.

[Processing of User Terminal 12]
Subsequently, a flow of processing in the user terminal 12 will be described. FIG. 12 is a flowchart showing the flow of the processing of the user terminal 12.
First, in step S101, the display control unit 932 of the user terminal 12 determines whether the screen to be displayed is a prepaid screen (display screen 200). If this determination is YES, in step S102, the acquisition unit 931 acquires, from the electronic currency management device 10, the charge balance of the prepaid card and the remaining number of points currently owned by the user. Subsequently, in step S103, the display control unit 932 generates a display screen 200 for displaying the payment information of the prepaid card based on the acquired information, and displays the display screen 200 on the display unit 91.

  On the other hand, if NO in step S101, in step S104, the display control unit 932 determines whether the screen to be displayed is a credit screen (display screen 220). If this determination is YES, in step S105, the acquiring unit 931 acquires a billing closing date from the electronic currency management device 10, and sets a billing period. Subsequently, in step S106, the obtaining unit 931 obtains, from the electronic currency management device 10, the total usage amount charged in the set billing period, the previously charged amount, and points. Subsequently, in step S107, the display control unit 932 generates a display screen 220 for displaying credit card payment information based on the acquired information, and displays the display screen 220 on the display unit 91.

  On the other hand, if NO in step S104, in step S108, the obtaining unit 931 obtains the display target month and sets it as the totaling period. Note that the display target month is acquired based on the period selection unit 241 and is the current month in the initial state. Subsequently, in step S109, the obtaining unit 931 obtains the usage history of the prepaid card and the credit card during the counting period from the electronic currency management device 10. Subsequently, in step S110, the display control unit 932 generates a display screen 240 for displaying the usage history of the card 11, and displays the display screen 240 on the display unit 91.

[Effects of User Terminal 12]
According to the user terminal 12 described above, the display screen 220 is displayed based on the usage history of the credit card during the billing period in the usage history of the card 11, and the usage history of the credit card and the prepaid card during the counting period is displayed. A display screen 240 is displayed based on the display.
From the viewpoint of the user, the charge amount of the credit card in the next month can be ascertained from the display screen 220, and the total use amount of the card 11 for one month can be ascertained from the display screen 240. Therefore, according to the user terminal 12, it is possible to appropriately display the usage status of the card 11 desired by the user.

Further, in the user terminal 12, the usage history displayed on the display screen 220 is specified based on whether or not the processing date of the credit card is within the billing period. It is specified based on whether or not the use date of the card is within the counting period.
As a result, even if the date of use of the credit card is different from the date of processing, it is possible to appropriately display the amount to be paid in the following month and the amount used in one month.

  In addition, when displaying the display screen 240, the user terminal 12 displays the total usage amount of the card 11 used during the period regardless of whether the usage amount of the credit card has been determined. In the case where the usage status of the card 11 is grasped in a household account book, it does not matter whether or not the usage amount is fixed. Therefore, the usage status of the card 11 desired by the user can be appropriately displayed, which is preferable.

Also, when displaying the display screen 220, the user terminal 12 basically displays the display screen 220 without using the undetermined history of the credit card usage history. Thereby, only the amount that should be paid in the next month can be accurately grasped on the display screen 220, which is preferable.
On the other hand, the user terminal 12 may also display an undetermined history on the display screen 220 based on the determination of the determination unit 933. For example, even if the amount has not yet been determined, the usage amount that is likely to be determined by the billing closing date is displayed on the display screen 220 so that the user can accurately determine the amount to be paid in the next month. It can be grasped and is preferable.

  As described above, the present invention has been described using the embodiments, but the technical scope of the present invention is not limited to the scope described in the above embodiments. It is apparent to those skilled in the art that various changes or improvements can be made to the above embodiment. In particular, the specific embodiment of the distribution / integration of the apparatus is not limited to the above-described one, and all or a part of the apparatus is arbitrarily added according to various additions or the like, or according to a functional load. It can be configured to be distributed or integrated functionally or physically.

S: settlement information display system, 1: user equipment, 11: card, 12: user terminal, 91: display unit, 911: touch panel, 92: storage unit, 93 ... Control part, 931 ... Acquisition part, 932 ... Display control part, 933 ... Determining part, 2 ... Card management server, 3 ... Carrier server, 4 ... Point management server Reference numeral 10: Electronic currency management device 71: Point storage unit 72: Card information storage unit 50: Payment NW

Claims (6)

Terminal
A server is accessed along with identification information for identifying the terminal or a user of the terminal, and information indicating a charge amount of a first payment method of a prepaid system and a second payment method which is a credit card payment method are accessed from the server. And information indicating the balance of points given to the user based on the use of the first payment method, the second payment method, and the service using the terminal, and integrated and managed. acquisition unit to acquire the, and,
Based on the information acquired by the acquisition unit, a first screen displaying the charge amount and the balance of the points, and a second screen displaying the usage amount of the second settlement method according to a user operation A display control unit to display on a display unit provided in the terminal,
Display control program to function as The points are awarded based on a fixed amount of which the amount is fixed, among the usage amounts of the second settlement method,
A display control program according to claim 1. The point is included in the service using the terminal, is given based on the use of the communication service using the terminal,
A display control program according to claim 1. The display control unit displays, on the second screen, a fixed amount for which the payment amount has been determined and an unconfirmed amount for which the payment amount has not been determined as the usage amount of the second settlement method,
A display control program according to any one of claims 1 to 3. A terminal capable of communicating with the server,
A display unit,
The server is accessed with identification information for identifying the terminal or the user of the terminal, and information indicating a charge amount of a first payment method of a prepaid system and a second payment which is a payment method of a credit card are accessed from the server. Information indicating the amount of use of the method, and information indicating the balance of points which are given to the user based on the use of the first settlement method, the second settlement method, and the service using the terminal and are integrated and managed. an acquisition unit get the door,
Based on the information acquired by the acquisition unit, a first screen displaying the charge amount and the balance of the points, and a second screen displaying the usage amount of the second settlement method according to a user operation A display control unit to be displayed on the display unit,
Terminal equipped with. A terminal capable of communicating with a server accesses the server with identification information for identifying the terminal or a user of the terminal, and information indicating a charge amount of a first payment method of a prepaid system, and a payment method of a credit card. Information indicating the amount of use of a certain second settlement method and points that are given to the user based on the use of the first settlement method, the second settlement method, and the service using the terminal, and are integrated and managed. comprising the steps of: get the information indicating the balance,
The terminal displays a first screen displaying the charge amount and the balance of the points based on the information acquired in the acquiring step, and a second screen displaying a usage amount of the second settlement method. Displaying on a display unit of the terminal according to a user operation;
A display control method comprising:

Images