JP6946591B1 - Display program, terminal device and display method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a display program, a terminal device and a display method for improving convenience of a user who makes a payment using a terminal device. In a display program second application 152 executed by a user terminal, a display control unit 1521 provides payment history information indicating a payment history by a predetermined payment means using a terminal device together with a calendar of the terminal device. Display on the screen. When the reception unit 1522 receives the designation of the date highlighted by superimposing the predetermined mark included in the calendar by the user who uses the terminal device, the display control unit 1521 sets the date corresponding to the payment history information in the calendar. By superimposing a predetermined mark, the date is highlighted, the calendar is placed in the first area, and the payment history information indicating the payment made on the date specified by the reception unit 1522 is different from the first area. Arrange and display in 2 areas. [Selection diagram] FIG. 9

Description

The present invention relates to a display program, a terminal device, and a display method.

Conventionally, a technique for efficiently performing expense settlement processing has been known. For example, a technique for reimbursing expenses such as travel expenses paid by using a credit card is provided (for example, Patent Document 1).

Japanese Patent No. 6674576

However, in the above-mentioned conventional technique, there is room for improvement in terms of user convenience. For example, the above-mentioned conventional technique targets the settlement of expenses when a credit card is used, and may not be able to handle payment by a predetermined payment means using a terminal device. Further, for example, when the user applies for the settlement of expenses retroactively, it may not be convenient.

The present application has been made in view of the above, and an object of the present application is to provide a display program, a terminal device, and a display method that can improve the convenience of a user who makes a payment using a terminal device.

The display program according to the present application is a display program executed by the terminal device, and displays payment history information indicating the history of payment by a predetermined payment means using the terminal device on the screen of the terminal device together with a calendar. , A display control procedure for highlighting the date by superimposing a predetermined mark on the date corresponding to the payment history information in the calendar, and the predetermined date included in the calendar by a user who uses the terminal device. The terminal device is made to execute the reception procedure for accepting the designation of the date highlighted by superimposing the mark, and the display control procedure arranges the calendar in the first area when the designation is accepted by the reception procedure. The payment history information indicating the payment made on the date specified by the reception procedure is arranged and displayed in a second area different from the first area.

According to one aspect of the embodiment, there is an effect that the convenience of the user who makes a payment using the terminal device can be improved.

FIG. 1 is a diagram showing an example of expense settlement processing. FIG. 2 is a diagram showing an example of a screen of a user terminal. FIG. 3 is a diagram showing an example of display processing according to the embodiment. FIG. 4 is a diagram showing another display example. FIG. 5 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 6 is a diagram showing an example of an account database according to the embodiment. FIG. 7 is a diagram showing an example of a user information database according to the embodiment. FIG. 8 is a diagram showing a configuration example of a user terminal according to the embodiment. FIG. 9 is a diagram showing a configuration example of the second application according to the embodiment. FIG. 10 is a flowchart showing an example of the display processing procedure according to the embodiment. FIG. 11 is a sequence diagram showing an information processing procedure by the information processing system according to the embodiment. FIG. 12 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device.

Hereinafter, a mode for implementing the display program, the terminal device, and the display method according to the present application (hereinafter, referred to as “the embodiment”) will be described in detail with reference to the drawings. The display program, terminal device, and display method according to the present application are not limited by this embodiment. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

[1. Embodiment]
Prior to the description of the display process realized by the display program or the like of the present embodiment, first, the expense settlement process will be described with reference to FIG. FIG. 1 is a diagram showing an example of expense settlement processing.

[1-1. An example of an information processing system]
As shown in FIG. 1, the information processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, a settlement processing server 200, and a business terminal 300. The payment server 10, the user terminal 100, the settlement processing server 200, and the business terminal 300 are connected to each other via a network N (see, for example, FIG. 5) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. Even if the information processing system 1 shown in FIG. 1 includes a plurality of payment servers 10, a plurality of user terminals 100, a plurality of settlement processing servers 200, and a plurality of business terminals 300. good.

The payment server 10 shown in FIG. 1 is an information processing device that provides an electronic payment service (also referred to as “payment service X”) related to electronic payment using the user terminal 100 and performs various payments. For example, a server device or Realized by a cloud system. For example, the payment server 10 manages the accounts of the provider of the transaction target and the user to whom the transaction target is provided, and transfers electronic money between the accounts in accordance with the payment request from the user. Realize various payments. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good.

The user terminal 100 shown in FIG. 1 is a terminal device (information processing device) used by the user. The user terminal 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 100 displays information distributed by the payment server 10, the settlement processing server 200, the business terminal 300, and the like by a web browser or an application. In the example shown in FIG. 1, a case where the user terminal 100 is a smartphone is shown. Further, the user terminal 100 has a position sensor such as a GPS sensor and detects the position of the user. The user terminal 100 may associate the user's position at the time of payment with the payment and store it in the storage unit 120, or transmit it to another information processing device such as the payment server 10 or the settlement processing server 200. May be good. For example, the user terminal 100 may include information on the position of the user at the time of payment in the payment information and application information described later, and transmit the information to other information processing devices such as the payment server 10 and the settlement processing server 200. .. The user terminal 100 may acquire the user's position information in any manner as long as the user's position information can be acquired. For example, a user who uses the user terminal 100 may wear a wearable device capable of communicating with the user terminal 100, so that the position of the user may be detected by the wearable device. In this case, the user terminal 100 may acquire the user's position information from the wearable device, and may not have the position sensor. The above is an example, and the user terminal 100 may acquire information on the position of the user by various means.

The settlement processing server 200 shown in FIG. 1 is an information processing device that provides a settlement processing service for expenses paid to a user by an organization (business operator) to which the user belongs, and is realized by, for example, a server device or a cloud system. Will be done. For example, the settlement processing server 200 manages the business operator and the user in association with each other, and when the settlement information indicating the expense settlement target is received from the user, the settlement processing server 200 is associated with the business operator associated with the user. By providing information based on the settlement information, the settlement process is realized. To give a specific example, the settlement processing server 200 receives settlement information indicating the usage history of the user in the service used by the user and linked (linked) with the settlement processing service.

The business terminal 300 shown in FIG. 1 is an information processing device used by the business. The business terminal 300 is realized by, for example, a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the business terminal 300 displays information distributed by the payment server 10, the user terminal 100, the settlement processing server 200, and the like by a web browser or an application. In the example shown in FIG. 1, the case where the business terminal 300 is a notebook PC is shown.

When the user terminal 100 and the business terminal 300 receive the control information for realizing the predetermined information processing from the payment server 10 or the settlement processing server 200, the user terminal 100 and the business terminal 300 realize the information processing according to the control information. Here, the control information is described in, for example, a script language such as Javascript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). The predetermined application itself distributed from the payment server 10 or the settlement processing server 200 may be regarded as control information.

[1-2. Payment using user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the display processing executed by the user terminal 100. In the following description, the user U uses a two-dimensional code (QR code (registered trademark)) arranged in the store A and indicates the store identification information C1 that identifies the store A. An example of performing payment using the user terminal 100 will be described, but the embodiment is not limited to this. An example of payment described below can be applied even when an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 100. Further, the store identification information C1 may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases a payment target (transaction target) such as various products or services at the store A, the user U is a payment target pre-installed on the user terminal 100. Launch the application (hereinafter, may be simply referred to as "payment application"). Then, the user U photographs the store identification information C1 installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U or the clerk of the store A. Then, the user terminal 100 includes the user identification information for identifying the user U and the store identification information C1 (or the information indicated by the store identification information C1, that is, the information indicating the store A (for example, the store ID)). , Information indicating the payment amount is transmitted to the payment server 10.

In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the store A indicated by the store identification information C1. Then, the payment server 10 transmits a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

The payment using the user terminal 100 is not limited to the above-mentioned processing. For example, the payment using the user terminal 100 may be made using the store terminal installed in the store A. For example, the user terminal 100 causes the user identification information for identifying the user U to be displayed on the screen. In such a case, the store terminal installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or the information indicated by the user identification information, that is, the user U. Information (for example, user ID) indicating the above, the payment amount, and the information indicating the store A are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the store A, and the store terminal or the user of the store A. The terminal 100 may be notified that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the user terminal 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U to the account of the store A, but also, for example, the credit registered in advance by the user U. Payment may be made using a card. In such a case, for example, the user terminal 100 may transfer the electronic money of the payment amount to the account of the store A and charge the payment amount to the credit card management company of the user U. ..

[1-3. Overview of expense reimbursement processing]
The outline of the expense settlement process will be described with reference to FIG. In the following description, an example will be shown in which the user terminal 100 is used by the user U and the business terminal 300 is used by the business B to which the user U belongs. Further, in the following description, the user terminal 100 may be equated with the user U, and the business terminal 300 may be equated with the business B. That is, in the following, the user U can be read as the user terminal 100, and the business operator B can be read as the business terminal 300.

Further, in the following description, an application related to the settlement processing service provided by the settlement processing server 200 (hereinafter, may be simply referred to as a "payment processing application") is already installed in the user terminal 100 and the business terminal 300. It is assumed that the user U and the business operator B are linked and managed by the settlement processing server 200. Further, in the following description, the account (user ID) of the user U in the electronic payment service provided by the payment server 10 and the account of the user U in the payment processing service provided by the payment processing server 200 are linked. It is assumed that the information regarding the association of accounts is managed by the payment server 10 and the settlement processing server 200.

First, the user terminal 100 executes a process related to the electronic payment of the user U (step S1). In the example of FIG. 1, it is assumed that the user terminal 100 makes a payment to the store A by the payment method using the payment application described above.

Subsequently, the clerk M1 of the store A provides the receipt to the user U (step S2). For example, the clerk M1 provides a receipt that is output (printed) from an output device (for example, a printer, a POS (Point of Sales) terminal, etc.) OD1 in response to a payment from the user U.

In the example of FIG. 1, it is assumed that the user U wants to settle the payment to the store A as the expense settlement target. In this case, the user terminal 100 displays a payment information registration screen indicating the payment to be settled for expenses in response to the operation of the user U (step S3). For example, the user terminal 100 activates the payment application in response to an operation from the user U, and displays a list screen of the history of payments made by the user U using the payment application. Then, the user U selects the payment history for the store A from the list screen, and instructs the user terminal 100 to display the registration screen.

Subsequently, the user U registers the payment information on the registration screen displayed on the user terminal 100 (step S4). For example, the user U registers the payment details for the store A and the receipt provided by the store A as payment information.

Here, the registration screen displayed by the user terminal 100 will be described with reference to FIG. FIG. 2 is a diagram showing an example of a screen of a user terminal.

As shown in FIG. 2, the user terminal 100 displays a screen SC1 indicating a payment made by the user U to the store A using the payment application. For example, the user terminal 100 performs a payment content indicating information such as a payment destination, a payment amount (payment amount), and a payment date and time (transaction date and time), and a receipt registration operation provided by the payment destination. Display the screen SC1 including the area AR1 for the purpose. In other words, the user terminal 100 displays the screen SC1 in which the payment contents are registered in advance. Here, when the user U performs a selection operation for the area AR1, the user terminal 100 transitions from the screen SC1 to the screen SC2.

As shown in FIG. 2, the user terminal 100 includes a screen SC2 including a payment content, an area AR2 for performing a receipt image registration operation, and an area AR3 for instructing that receipt registration is completed. Is displayed. Here, when the user U performs a selection operation for the area AR2, the user terminal 100 activates the imaging unit of the own device and instructs the user U to take an image of the receipt provided by the store A. .. Then, when the image of the receipt is taken, the user terminal 100 transitions from the screen SC2 to the screen SC3.

As shown in FIG. 2, the user terminal 100 displays the screen SC3 including the image P1 of the receipt instead of the area AR2. Here, when the user U performs a selection operation for the area AR3, the user terminal 100 completes the registration of the payment information.

Returning to FIG. 1, the explanation will be continued. The user terminal 100 transmits the registered payment information to the payment processing server 200 as payment information indicating the payment to be settled (step S5). For example, the user terminal 100 uses the payment information including the receipt image P1 included in the screen SC3 shown in FIG. 2, the payment content, and the user ID of the user U in the electronic payment service as the payment processing server. Send to 200. Although FIG. 1 shows a case where the user terminal 100 directly transmits the settlement information to the settlement processing server 200, the user terminal 100 transmits the settlement information to the settlement processing server 200 via the settlement server 10. May be good. For example, the user terminal 100 may transmit the settlement information to the settlement server 10, and the settlement server 10 receiving the settlement information from the user terminal 100 may transmit the settlement information to the settlement processing server 200.

Subsequently, the settlement processing server 200 transmits an expense approval request based on the settlement information to the business terminal 300 (step S6). For example, the settlement processing server 200 transmits the settlement information and the notification indicating that the expense approval request indicated by the settlement information has occurred to the operator terminal 300 used by the operator B associated with the user U. do.

Subsequently, the business operator terminal 300 transmits a payment request for expenses corresponding to the approval request to the payment server 10 (step S7). For example, the business operator B confirms whether or not the content of the settlement information transmitted from the settlement processing server 200 is incomplete. Then, if there is no defect in the contents of the settlement information, the business operator B approves the application for the expense indicated by the settlement information, and uses the business operator terminal 300 to make a payment request for payment of the expense to the user U on the settlement server 10. Send to.

Subsequently, the payment server 10 executes a payment process corresponding to the payment request (step S8). For example, the payment server 10 transmits a notification to the user terminal 100 that the application for expenses has been approved. Then, the payment server 10 is electronic money that can be used in the payment means using the payment application, and the electronic money for the expense (the amount of payment to the store A by the user U) indicated by the settlement information is used by the business operator B. Transfer from the account of the user to the account of the user U.

As described above, the user terminal 100 executes the payment to the payee using the payment application, and transmits the payment information for the payment to the payment processing server 200 via the payment application. As a result, the information processing system 1 performs the expense settlement process.

[1-4. An example of display processing]
From here, it will be described that the point of providing the information related to the payment to the user who makes the payment using the user terminal 100 will be described with reference to FIG. FIG. 3 is a diagram showing an example of display processing according to the embodiment. In FIG. 3, a case where the user who uses the user terminal 100 is the user U will be described as an example.

A user who makes a payment using the user terminal 100 may apply for expense settlement following the payment (corresponding to step S1 in FIG. 1) as shown in FIG. The application is expected to be made at a later date. In this case, the user needs to find the settlement to be applied for as an expense from the history of the past settlement, which is a complicated process for the user. In addition to the application for expenses, the user may want to efficiently check the payment history in order to grasp when his / her own payment was made. Therefore, the user terminal 100 provides information on the payment history to the user who makes a payment using the user terminal 100 by performing the following display processing, and improves the convenience of the user. ..

In the example of FIG. 3 described below, a case is shown in which the settlement before the application for expense settlement (also referred to as “the settlement before the expense application”) is displayed among the settlements of the user U as the settlement history. In FIGS. 3 and 4, depending on the change in the display content of the user terminal 100, the code "100" can be distinguished by adding a subscript number such as the _{user terminal 100 11} , 100 ₁₂ , 100 _{21 and the like.} However, in the case of explaining without particular distinction, it is described as the user terminal 100.

First, the user terminal 100 ₁₁ displays the screen SC 11 in which the calendar is arranged in the first area AR 11. For example, the user terminal 100 ₁₁ displays the screen SC 11 in response to the operation of the user U. In the example of FIG. 3, the user terminal 100 ₁₁ displays a calendar for December 2020, that is, a calendar for one month. The calendar to be displayed is not limited to one month, but may be any display as long as the date, day of the week, etc. are displayed in a tabular format, or may be displayed for several months. , May be displayed on a weekly basis.

When the settlement made on that date includes the pre-expense application settlement, the user terminal 100 _{11 highlights that date (also referred to as “target date”).} In the example of FIG. 3, since the settlement performed on December 1 includes the settlement before the expense application, the user terminal 100 ₁₁ superimposes the mark EM1 on the portion corresponding to December 1, 12 Highlight the first day of the month. In this way, the user terminal 100 highlights the target date by displaying the target date in a display mode different from other dates. In the example of FIG. 3, for the sake of explanation, a case where only one date (December 1) is the target date is illustrated, but there may be a plurality of target dates. In this case, the user terminal 100 ₁₁ highlights a plurality of target dates.

Then, the user terminal 100 accepts the selection (designation) of December 1st by the user U (step S11). As a result, the user terminal 100 ₁₂ displays the history of payments made on December 1st selected by the user U (step S12). The user terminal 100 ₁₂ preferentially displays the pre-expense settlement by arranging the settlement history information of the pre-expense settlement among the settlements made on December 1st. As a result, the user terminal 100 preferentially displays the settlement history information of the settlement that has a high possibility of expense settlement.

Here, the user terminal 100 ₁₂ displays a screen SC 12 in which a history of payments made on December 1 using the payment service X is arranged in a second area AR 12 different from the first area AR 11. In this way, the user terminal 100 12 displays a list of payment history information in the second area AR _{12 which is continuous below the first area AR 11.} That is, the user terminal 100 ₁₂ displays the payment history together with the calendar.

In the example of FIG. 3, the user terminal 100 ₁₂ displays the screen SC 12 in which the settlement history information LG1 indicating the settlement at the store SP, which is the settlement before the expense application performed on December 1, is arranged at the highest level. In addition, the user terminal 100 ₁₂ displays a screen SC12 in which the settlement history information LG2 indicating the settlement at the convenience store CV, which is the settlement before the expense application performed on December 1, is continuously arranged at the lower part in the settlement history information LG1. indicate.

For example, the user U vertically scrolls the second area AR12 in which the payment history information LG1, LG2, etc. are arranged, so that the payment made on December 1st, which is arranged lower than the payment history information LG2, is settled. Display history information. If the user U can display desired information, the user terminal 100 may update the display by accepting various operations such as swiping and flicking, not limited to scrolling. Further, in the example of FIG. 3, the user terminal 100 may display the pre-expense application settlement in order from the earliest settlement time, or the pre-expense application settlement from the one with the highest possibility of expense settlement. It may be displayed in order, but this point will be described later.

The payment history information LG1 contains information indicating that the payment using the payment service X at the store SP was performed at 11:33 on December 1, 2020, and the payment (settlement) with an amount of 540 yen is completed. Contains information that indicates that you are doing so. In addition, the settlement history information LG1 includes a range (also referred to as an “expense application button”) described as “receipt registration / expense application”.

For example, when the user U selects the expense application button of the payment history information LG1, the user terminal 100 has a screen for applying for an expense of 540 yen at the store SP corresponding to the payment history information LG1 (“expense”). (Also called "application screen") is displayed. The expense application screen may be any screen as long as it is a screen for registering a receipt and transmitting information for making an expense application to the settlement processing server 200 according to the operation of the user U. .. For example, the expense application screen may be a screen for registering a receipt image and transmitting information to the settlement processing server 200 in the same manner as the screens SC2 and SC3 in FIG.

Then, the user terminal 100 provides information (application information) for applying for an expense for settlement of 540 yen at the store SP corresponding to the settlement history information LG1 according to the operation of the user U on the expense application screen. It is transmitted to the settlement processing server 200. Since the subsequent processing is the same as in steps S6 to S8, detailed description thereof will be omitted. For example, the settlement processing server 200 that has received the application information from the user terminal 100 requests the business terminal 300 to approve it as an expense. Then, when the business terminal 300 approves the payment of the amount of 540 yen at the store SP corresponding to the payment history information LG1 as an expense, the business terminal 300 transmits a payment request as an expense to the payment server 10, and the payment server 10 sends the payment request. Perform payment processing corresponding to the payment request. For example, when the settlement of the amount of 540 yen at the store SP corresponding to the settlement history information LG1 is approved as an expense, the settlement server 10 transfers the electronic money of 540 yen from the account of the operator B to the user U. Transfer to an account.

In this way, the user terminal 100 displays the payment history corresponding to the date specified by the user in association with the calendar, so that the user terminal 100 of the user who makes a payment using the user terminal 100 is displayed. It is possible to improve the convenience of the payment used. For example, the user terminal 100 displays the pre-expense payment before the expense application corresponding to the date specified by the user in association with the calendar, thereby providing convenience in the expense settlement of the user who makes the payment using the user terminal 100. Can be improved. In this way, the user terminal 100 can improve the convenience of the user who makes a payment using the terminal device.

In the above example, an example of displaying the settlement before the expense application is shown, but the user terminal 100 is not limited to the settlement before the expense application, and if it is the history of the user's settlement, the settlement for which the expense application was made ( Expense application completed settlement) may be displayed. In this case, the user terminal 100 displays information indicating that the expense-applied settlement has been applied for as an expense in association with the expense-applied settlement. For example, the user terminal 100 changes the display according to the operation by the user U. For example, when the user U selects a day other than December 1 (for example, December 22), the user terminal 100 displays the payment history on that day.

[1-5. Other display examples]
The display mode in which the payment history information shown in FIG. 3 is associated with the calendar is only an example, and the user terminal 100 may display the payment history information in association with the calendar in various display modes. For example, the user terminal 100 may arrange and display the payment history information in the area corresponding to the date corresponding to the payment date and time in the calendar. This point will be described with reference to FIG. FIG. 4 is a diagram showing another display example.

The user terminal 100 ₂₁ displays the screen SC 21 in which the history of payments made on that date is arranged in the area of each date on the calendar. For example, the screen SC21 is displayed according to the operation of the user U. In the example of FIG. 4, the user terminal 100 ₂₁ displays the calendar for December 2020. For example, the user U scrolls the calendar to display an area having a date other than December 1st and 2nd.

In the example of FIG. 4, the user terminal 100 ₂₁ is set in the area corresponding to December 1 of the December 2020 calendar at the store SP, which is the pre-expense application settlement performed on December 1. The screen SC21 on which the settlement history information LG1 indicating the settlement is arranged is displayed. FIG. 4 shows a case where the settlement history information is arranged only on the date (target date) including the settlement before the expense application among the dates on the calendar. That is, although FIG. 4 shows a case where the settlement history information is arranged only on December 1, the settlement history information corresponding to each date may be arranged, not limited to the settlement before the expense application. For example, the user terminal 100 ₂₁ may be arranged in the date area with priority given to pre-expense settlement, which has a high possibility of expense settlement.

Further, although FIG. 4 shows a case where one payment history information is arranged in the date area, a plurality of payment history information may be arranged in the date area. Further, the payment history information arranged in the area of each date may be switchable according to the operation of the user U.

As described above, the user terminal 100 displays the payment history information in association with the calendar in various display modes. As a result, the user terminal 100 can improve the convenience of the user who makes a payment using the user terminal 100.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 5 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 5, the payment server 10 includes a communication unit 20, a storage unit 30, and a control unit 40.

(Communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the user terminal 100, the settlement processing server 200, the business terminal 300, and the like.

(Memory unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage unit 30 has an account database 31 and a user information database 32.

(Account database 31)
The account database 31 stores various information related to the accounts of users and businesses. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 6 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 6, the account database 31 has items such as "account ID", "owner information", and "account balance".

The "account ID" indicates identification information for identifying the account. The "owner information" indicates information about the owner (user or business operator) who owns the account, and for example, identification information (identifier) for identifying the owner is stored. "Account balance" indicates the balance of an account owned by a user or a business operator.

That is, FIG. 6 shows an example in which the information of the owner of the account identified by the account ID “AID # 1” is “UID # 1” and the account balance is “7800”.

(User information database 32)
The user information database 32 stores various information about users of the electronic payment service provided by the payment server 10. Here, an example of the information stored in the user information database 32 will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of a user information database according to the embodiment. In the example of FIG. 7, the user information database 32 has items such as "user ID", "payment history", "receipt information", and "association information". The user information database 32 stores various information about the user, not limited to the above items. The user information database 32 may store various attribute information such as demographic attributes and psychographic attributes in association with the user ID. For example, the user information database 32 may store the age, gender, address, work place, annual income, etc. of the user in association with the user ID.

The "user ID" indicates identification information for identifying a user in an electronic payment service. The "payment history" indicates the history of payments made by the user by a payment method using a payment application. For example, the "payment history" is information such as the payee, the payment amount, the date and time when the payment was made, the position where the payment was made, whether or not there was an application for expense settlement, and whether or not there was processing as expense settlement. Is stored in association with each payment. For example, if there is no application for expense reimbursement, it indicates that the settlement is a pre-expense application settlement. Also, for example, if there is both an application and processing as expense settlement, it indicates that the settlement has been processed as an expense. Also, for example, if there is an application for expense settlement and there is no processing as expense settlement, the settlement was applied for as an expense but not processed (for example, it was not approved as an expense). Is shown. "Receipt information" indicates information about the receipt registered by the user in the payment application, and stores information such as the image of the receipt and the content of the payment specified by using OCR (Optical Character Recognition) from the image of the receipt. Will be done.

The "association information" indicates information regarding the association between the user's account in the electronic payment service and the user's account in the settlement processing service, and has items such as "service ID" and "user ID", for example. .. The "service ID" indicates identification information for identifying the settlement processing service. The "user ID" indicates identification information for identifying a user in the settlement processing service.

That is, in FIG. 7, the payment history of the user identified by the user ID “UID # 1” is “payment history # 1”, the receipt information is “receipt information # 1”, and the service ID “SID # 1”. An example is shown in which the user ID of the user in the settlement processing service identified by is "PID # 11".

(Control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the payment server 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 5, the control unit 40 according to the embodiment includes a reception unit 41, a payment processing unit 42, and a payment processing unit 43, and realizes or executes an information processing function or operation described below. do.

(Reception Department 41)
The reception unit 41 receives a payment request from a user. For example, in the example of FIG. 1, the reception unit 41 receives information including the store identification information C1 and the payment amount input by the user U from the user terminal 100 and stores it in the user information database 32.

In addition, the reception unit 41 may accept a request for payment of expenses. For example, in the example of FIG. 1, the reception unit 41 receives a payment request for payment of expenses to the user U from the business terminal 300.

(Payment processing unit 42)
The payment processing unit 42 executes the payment processing according to the payment request received by the reception unit 41. For example, in the example of FIG. 1, the payment processing unit 42 transfers the electronic money for the payment amount input by the user U from the account of the user U to the account of the store A corresponding to the store identification information C1. ..

(Payment processing unit 43)
The payment processing unit 43 executes payment processing in accordance with the payment request received by the reception unit 41. For example, in the example of FIG. 1, the payment processing unit 43 transmits a notification to the user terminal 100 that the application for expenses has been approved. Then, the payment processing unit 43 transfers the electronic money for the expenses indicated by the settlement information from the account of the business operator B to the account of the user U, which is the electronic money that can be used in the payment means using the payment application. Let me.

[3. User terminal configuration]
Next, the user terminal 100 for realizing the above-mentioned display processing will be described with reference to FIG. FIG. 8 is a diagram showing a configuration example of a user terminal according to the embodiment. As shown in FIG. 8, the user terminal 100 includes a communication unit 110, a storage unit 120, an imaging unit 130, a display unit 140, and a control unit 150.

(Communication unit 110)
The communication unit 110 is realized by, for example, a NIC or the like. Then, the communication unit 110 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the payment server 10, the settlement processing server 200, the business terminal 300, and the like.

(Memory unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. For example, the storage unit 120 stores the information corresponding to the user who uses the user terminal 100 among the information stored in the user information database 32 of the payment server 10. For example, the storage unit 120 stores various information such as payment-related information (payment-related information) such as the payment history of the user who uses the user terminal 100 and user attribute information.

(Imaging unit 130)
The imaging unit 130 is an imaging device for capturing an image (moving image or still image). The image pickup unit 130 is composed of image pickup elements such as a CCD (Charged-coupled devices) sensor and a CMOS (Complementary metal-oxide-semiconductor) sensor, for example.

(Display unit 140)
The display unit 140 is a display screen of a tablet terminal or the like realized by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display, and is a display device for displaying various information. The display unit 140 displays various information according to the control by the display control unit 1521. Further, the display unit 140 may function as a reception unit that accepts the user's operation by the function of the touch panel. In this case, the display unit 140 also functions as an input device that receives various operations from the user with the user's finger or a dedicated pen.

(Control unit 150)
The control unit 150 is a controller, and is realized by, for example, a CPU, an MPU, or the like executing various programs stored in a storage device inside the user terminal 100 using the RAM as a work area. Further, the control unit 150 is a controller, and is realized by, for example, an integrated circuit such as an ASIC or FPGA.

Here, the control unit 150 realizes various functions related to the user terminal 100 by executing a plurality of applications. For example, in the example shown in FIG. 8, the control unit 150 is executing the first application 151 and the second application 152. In addition to the applications shown in FIG. 8, the control unit 150 may execute an arbitrary number of applications for exerting an arbitrary function. For example, the control unit 150 may execute a third application having a calendar function. In this case, the second application 152 may display the payment history information in association with the calendar provided by the third application in cooperation with the third application.

The first application 151 is an application that serves as an OS (Operating System) of the user terminal 100. The second application 152 is a payment application, and causes the user terminal 100 to execute the above-mentioned display process. The second application 152 includes a display program. Hereinafter, an example of the functional configuration of the second application 152 will be described with reference to FIG. FIG. 9 is a diagram showing a configuration example of the second application according to the embodiment. As shown in FIG. 9, the second application 152 according to the embodiment includes a display control unit 1521, a reception unit 1522, a determination unit 1523, and a transmission unit 1524, and has an information processing function described below. Realize or perform the action. The second application 152 may be composed of a plurality of applications. For example, the second application 152 may include an application (payment application) that realizes a function of processing payment and an application (display application) that realizes a function of associating and displaying a calendar and payment history information.

(Display control unit 1521)
The display control unit 1521 controls the display of the screen (display unit 140) of the user terminal 100. The display control unit 1521 controls the display of the display unit 140 according to the operation of the user. The display control unit 1521 generates information such as the content to be displayed by the display unit 140, and causes the display unit 140 to display the generated information.

The display control unit 1521 generates various contents as shown on the screens SC1 to SC3, SC11, SC12, SC21 and the like. For example, the display control unit 1521 creates a screen (content) by appropriately using various techniques such as Java (registered trademark). The display control unit 1521 may generate a screen (content) based on the format of CSS, Javascript (registered trademark), or HTML. Further, for example, the display control unit 1521 may generate a screen (content) in various formats such as JPEG (Joint Photographic Experts Group), GIF (Graphics Interchange Format), and PNG (Portable Network Graphics).

The display control unit 1521 displays the payment history information indicating the history of payment by a predetermined payment means using the terminal device on the screen of the terminal device in association with the calendar. The display control unit 1521 displays the settlement history information indicating the settlement before the expense application, which is the settlement before the application for the expense settlement, in association with the calendar. The display control unit 1521 displays the payment history information together with the calendar.

The display control unit 1521 displays the payment history information indicating the payment made on the date specified by the reception unit 1522. The display control unit 1521 arranges the calendar in the first area and arranges and displays the settlement history information in the second area different from the first area. The display control unit 1521 displays a list of payment history information in a second area continuous with the lower part of the first area. The display control unit 1521 arranges and displays the settlement history information in the area corresponding to the date corresponding to the settlement date and time in the calendar.

The display control unit 1521 displays the calendar or the payment history information in a display mode according to the degree of possibility of each expense settlement of the settlement determined by the determination unit 1523. The display control unit 1521 highlights the target date of the calendar, which is the date on which the settlement with high possibility of expense settlement was performed. The display control unit 1521 highlights the target date, which is the date on which the pre-expense settlement, which is the pre-expense settlement application, was made. The display control unit 1521 highlights the target date on which the degree of possibility of expense settlement is equal to or greater than the threshold value. The display control unit 1521 displays the target date in a display mode different from other dates. The display control unit 1521 preferentially displays the settlement history information of the settlement that has a high possibility of expense settlement. The display control unit 1521 preferentially displays the settlement history information in order from the one with the highest possibility of expense settlement.

The display control unit 1521 displays according to the determination by the determination unit 1523. The display control unit 1521 generates content for displaying the payment history determined by the determination unit 1523, and causes the display unit 140 to display the content. The display control unit 1521 highlights the date including the settlement in which the degree of possibility of expense settlement calculated by the determination unit 1523 is equal to or greater than the threshold value as the target date. The display control unit 1521 displays the settlement history in descending order of the order determined by the determination unit 1523. The display control unit 1521 generates content according to the display mode determined by the determination unit 1523, and causes the display unit 140 to display the content. The display control unit 1521 generates the contents arranged at the upper part in order from the highest order determined by the determination unit 1523, and displays the contents on the display unit 140.

Further, in the example of FIG. 1, the display control unit 1521 has a screen for photographing the store identification information C1 installed in the store A, a screen for inputting the price to be settled, and a screen indicating that the settlement has been completed. Etc. are displayed. In addition, the display control unit 1521 displays a list screen of the history of payments made using the payment application, the screen shown in FIG. 2, and the like.

In the example of FIG. 2, the display control unit 1521 indicates the payment amount due to the payment made using the payment application, the date and time when the payment was made, and the information indicating the payee by the payment (that is, the payment content). May be displayed in a state where it cannot be changed by the user U.

(Reception Department 1522)
The reception unit 1522 receives information on the user's operation. The reception unit 1522 accepts the designation of the date included in the calendar by the user who uses the user terminal 100. The reception unit 1522 accepts the designation of the application as an expense by the user who uses the user terminal 100. The reception unit 1522 receives information from an external device via the communication unit 110. The reception unit 1522 receives information about the user who uses the user terminal 100 from the external device. The reception unit 1522 receives information related to payment (payment-related information) such as the payment history of the user who uses the user terminal 100 from the payment server 10 and stores it in the storage unit 120. When the payment-related information is not stored in the storage unit 120, the second application 152 may manage the payment-related information so that it can be referred to in the second application 152.

The reception unit 1522 receives payment information indicating payment using a predetermined payment means. For example, in the example of FIG. 1, the reception unit 1522 accepts the registration (input) of payment information indicating the payment made to the store A by the user U using the payment application.

Further, the reception unit 1522 may accept the information displayed on the screen of the terminal device, which indicates that the payment using the predetermined payment means has been completed, as the payment information. For example, the reception unit 1522 accepts the payment contents registered in advance on the screen shown in FIG. 2 as payment information.

In addition, the reception unit 1522 may receive payment information including at least one of a payment amount by payment using a predetermined payment means, a date and time when the payment was made, and information indicating a payee by the payment. For example, the reception unit 1522 receives payment information including information such as a payment destination registered in advance on the screen shown in FIG. 2, a payment amount, and a date and time when payment was made.

In addition, the reception unit 1522 may accept as payment information an image showing information output from the payee of the payment in response to the payment using a predetermined payment means. For example, the reception unit 1522 receives an image showing a receipt output from an output device used by the payee in response to payment, a handwritten receipt by a clerk of the payee, or the like.

In addition, the reception unit 1522 may accept an image showing a receipt output from the payee of payment using a predetermined payment means as payment information. For example, in the example of FIG. 1, the reception unit 1522 receives an image showing a receipt output from the output device OD1.

The reception unit 1522 may accept information specified by using OCR from the image showing the receipt as payment information.

Further, the reception unit 1522 may accept the image taken by the terminal device as payment information. For example, in the example of FIG. 1, the reception unit 1522 receives the image P1 of the receipt taken by the image pickup unit 130.

Here, in addition to information such as the payment amount, the date and time when the payment was made, and information indicating the payee, for example, information according to the expense settlement rules of the organization (business operator) to which the user belongs is used as the payment information. There may be a request to include it. Therefore, the reception unit 1522 may accept the operation content of the user on the screen of the terminal device, which indicates that the payment using the predetermined payment means has been completed, as the payment information. For example, the reception unit 1522 receives an operation content (for example, an amount to be expensed) to the effect that a part of the settlement amount displayed on the screen indicating that the settlement is completed is used as an expense. Further, when the user can use a plurality of settlement processing services, the reception unit 1522 accepts the designation of any of the settlement processing services.

Further, the reception unit 1522 may accept a comment indicating the payment content input by the user on the screen as payment information. For example, the reception unit 1522 accepts a comment input by the user as payment information, which includes information for satisfying the provisions for expense settlement in the organization to which the user belongs. To give a specific example, the reception unit 1522 accepts comments indicating the types of expenses (for example, travel expenses, transportation expenses, entertainment expenses, etc.). When the settlement is related to travel expenses and transportation expenses, the reception unit 1522 accepts comments indicating the means of transportation, the route of travel, and the like. In addition, when the settlement is related to entertainment expenses, the reception unit 1522 accepts comments indicating the names of participants such as food and drink, the names of the organizations to which the participants belong, and the like.

The reception unit 1522 may accept a comment indicating that a part of the payment amount is to be an expense as payment information. For example, the reception unit 1522 accepts a comment indicating that a part of the settlement amount displayed on the screen indicating that the settlement has been completed is to be an expense and the amount to be an expense.

Furthermore, when the user belongs to a plurality of organizations (for example, when the user has a side business), there may be a request to apply for expenses to an appropriate organization. Therefore, the reception unit 1522 may accept payment information including the designation of the organization to which the user belongs. For example, the display control unit 1521 displays a plurality of organizations associated with the user (for example, an organization managed in association with the user in the settlement processing server 200) on the screen in a state in which the user can select them. Display it. Then, the reception unit 1522 accepts the organization selection operation displayed on the screen.

(Decision part 1523)
The determination unit 1523 selects a date according to the operation of the user. The determination unit 1523 selects a date specified by the user.

The determination unit 1523 specifies the date (target date) in which the settlement made on that date includes the settlement before the expense application. For example, the determination unit 1523 refers to the settlement history of the user U stored in the storage unit 120, and specifies the date (target date) at which the settlement without the expense application (settlement before the expense application) was performed. .. In FIG. 3, the determination unit 1523 specifies December 1st as the target date.

The determination unit 1523 identifies the settlement made on the date specified by the user. For example, the determination unit 1523 refers to the payment history of the user U stored in the storage unit 120, and identifies the payment made on the date specified by the user. In FIG. 3, the determination unit 1523 setstles at the store SP corresponding to the payment history information LG1 and at the convenience store CV corresponding to the payment history information LG2 as the payment performed on December 1st specified by the user. To identify.

The decision unit 1523 decides the handling of each settlement. The determination unit 1523 calculates the degree of possibility (also referred to as "score") of each expense settlement for settlement. For example, the determination unit 1523 calculates the score of the settlement before the expense application to be high and the score of the settlement for which the expense has been applied to be low. The determination unit 1523 determines that the date including the settlement whose score is equal to or higher than the threshold value is highlighted as the target date. In addition, the determination unit 1523 determines the order of settlement (priority) of each date using the score of each settlement. For each date, the determination unit 1523 determines the order (priority) of each settlement on that date in order from the one with the highest score. For example, the determination unit 1523 determines the order of the settlement with the highest score among the settlements on one date (date DX).

In addition, the determination unit 1523 may calculate the score of each settlement by using various information about each settlement. The determination unit 1523 may calculate the score of each settlement based on the content of each settlement.

The determination unit 1523 may calculate the score of each settlement based on the time when each settlement was made. For example, the determination unit 1523 calculates the score of the settlement to be high when the settlement is made within the working hours of the user. For example, the determination unit 1523 calculates the score of the settlement to be low when the settlement is made outside the working hours of the user. For example, when the settlement unit 1523 is in the daytime (for example, from 9:00 to 18:00), the determination unit 1523 calculates the score of the settlement to be high. For example, when the settlement is made at midnight (for example, from 24:00 to 4:00), the determination unit 1523 calculates the settlement score low.

The determination unit 1523 may calculate the score of each settlement based on the position where each settlement was made. For example, the determination unit 1523 calculates the score of the settlement to be high when the position where the settlement is made is within a predetermined range from the place of work of the user. For example, the determination unit 1523 calculates the score of the settlement to be low when the position where the settlement is made is out of the predetermined range from the place of work of the user. For example, when the position where the settlement is made is the business district, the determination unit 1523 calculates the score of the settlement high. For example, if the location where the settlement was made is not in the business district, the determination unit 1523 calculates the settlement score low.

The determination unit 1523 may calculate the score of each settlement based on the settlement pattern of the user who made each settlement. For example, the determination unit 1523 calculates the score of the settlement to be high when the settlement corresponds to the settlement pattern of the user. For example, the determination unit 1523 calculates the score of the settlement to be low when the settlement is different from the settlement pattern of the user. For example, the determination unit 1523 calculates the score of the settlement high when the settlement is similar to the settlement for which the user has applied for expenses in the past. For example, the determination unit 1523 calculates a high score for the settlement when the settlement is similar in time and position to the settlement for which the user has applied for expenses in the past.

The determination unit 1523 calculates the score of each settlement based on the amount of each settlement. For example, when the settlement amount is within a predetermined range, the determination unit 1523 calculates the settlement score high. For example, if the settlement amount is out of the predetermined range, the determination unit 1523 calculates the settlement score low. The above is only an example. The determination unit 1523 may use any information as long as the score can be calculated, and each settlement is made by appropriately using various information such as user attributes and past achievements. The score of may be calculated.

Further, the determination unit 1523 may calculate the score of each settlement by using the calculation model that inputs the settlement information and outputs the score indicating the degree of possibility of expense settlement of the settlement. The payment information that is the input of the calculation model includes various information such as the time when the payment was made, the position where the payment was made, the payment pattern of the user who made the payment, the amount of the payment, and the attribute information of the user. May be included.

The determination unit 1523 may use a combination of settlement information and correct answer data indicating whether or not the settlement has been settled as learning data, and may learn a calculation model by appropriately using a technique related to machine learning. For example, the determination unit 1523 learns the calculation model by taking the combination of the settlement information and the correct answer data indicating that the settlement has been settled as a correct example. For example, the determination unit 1523 learns the calculation model so as to output the score "1" when the information of the positive settlement is input. For example, the determination unit 1523 learns the calculation model using the combination of the settlement information and the correct answer data indicating that the settlement has not been settled as a negative example. For example, the determination unit 1523 learns the calculation model so as to output the score "0" when the settlement information of the negative example is input. The above learning method is only an example, and the determination unit 1523 learns the calculation model by using an arbitrary method. Further, the user terminal 100 may acquire the calculation model from an external device that learns the model.

(Transmission unit 1524)
The transmission unit 1524 sends the payment information received by the reception unit 1522 to the information processing device that executes the payment processing of the predetermined expense for the user of the terminal device, and the content of the payment for which the predetermined expense is settled. It is sent as settlement information indicating. For example, in the example of FIG. 1, the transmission unit 1524 setstles the payment information including the image P1 of the receipt included in the screen SC3 shown in FIG. 2, the payment content, and the user ID of the user U in the electronic payment service. It is transmitted to the settlement processing server 200 as information.

In addition, the transmission unit 1524 may transmit payment information to an information processing device that executes a settlement process of a predetermined expense paid to the user by the organization to which the user belongs. For example, in the example of FIG. 1, the transmission unit 1524 transmits payment information to the settlement processing server 200 that provides the settlement processing service for expenses paid to the user by the business operator B to which the user U belongs.

In addition, the transmission unit 1524 may transmit payment information to an information processing device that executes a predetermined expense settlement process for the user using electronic money available in the predetermined payment means. For example, in the example of FIG. 1, the transmission unit 1524 transmits payment information to a payment processing server 200 that provides a payment processing service for expenses using electronic money that can be used in a payment means using a payment application.

In addition, the transmission unit 1524 may transmit payment information to an information processing device associated with the user. For example, the transmission unit 1524 transmits payment information to the payment processing service managed in association with the user on the payment server 10.

In addition, the transmission unit 1524 transmits the application information to the settlement processing server 200. The transmission unit 1524 transmits application information including the same contents as the payment information to the settlement processing server 200.

[4. Flow of display processing by user terminal 100]
Next, the procedure of the display processing of the user terminal 100 according to the embodiment will be described with reference to FIG. FIG. 10 is a flowchart showing an example of the display processing procedure according to the embodiment.

As shown in FIG. 10, the user terminal 100 displays a calendar (step S101). For example, the user terminal 100 displays the calendar by emphasizing the date when the settlement before the expense application is made.

The user terminal 100 determines whether or not the date designation has been accepted from the user (step S102). When the date designation is not accepted (step S102; No), the user terminal 100 repeats the process of step S102 until the date designation is accepted.

On the other hand, when the date designation is accepted (step S102; Yes), the user terminal 100 displays the payment information indicating the payment made on the designated date together with the calendar (step S102). For example, the user terminal 100 displays the pre-expense application settlement among the settlements made on the designated date together with the calendar.

[5. Information processing flow by information processing system 1]
Next, the procedure of information processing by the information processing system 1 according to the embodiment will be described with reference to FIG. FIG. 11 is a sequence diagram showing an information processing procedure by the information processing system according to the embodiment. The sequence diagram shown in FIG. 11 shows the processing related to the payment server 10, the user terminal 100, the settlement processing server 200, and the business terminal 300.

First, the user terminal 100 selects the pre-expense application settlement as the target of the expense application (step S201). Then, the user terminal 100 transmits application information (payment details, receipt image, etc.) indicating payment to be applied for as an expense to the settlement processing server 200 (step S202). For example, the user terminal 100 transmits the application information to the settlement processing server 200 via the payment application.

Then, the settlement processing server 200 transmits an expense approval request based on the payment information (settlement information) transmitted from the user terminal 100 to the business terminal 300 (step S203). Then, the business operator terminal 300 accepts the operation of approving the application for the expense indicated by the approval request from the business operator, and transmits the payment request of the expense corresponding to the approval request to the settlement server 10 (step S204). Although FIG. 11 shows a case where the business terminal 300 transmits the expense payment request to the payment server 10, the business terminal 300 transmits the expense payment request to the payment server 10 via the settlement processing server 200. You may. For example, even if the business terminal 300 sends an expense payment request to the settlement processing server 200, and the settlement processing server 200 that receives the expense payment request from the business terminal 300 sends the expense payment request to the settlement server 10. good. Then, the payment server 10 executes the payment process corresponding to the payment request received from the business terminal 300 (step S205).

That is, the information processing system 1 includes a terminal device used by the user and a payment server. The terminal device is a terminal device that executes payment by a predetermined payment means, and is a reception unit that receives payment information indicating payment using the predetermined payment means, and a predetermined expense settlement for the user of the terminal device. It has a transmission unit that transmits payment information received by the reception unit to an information processing device that executes processing as payment information indicating the content of payment that is the target of payment of a predetermined expense. The payment server has a payment processing unit that executes payment processing of expenses to the user of the terminal device based on the settlement information.

[6. Modification example]
The above-described embodiment shows an example, and various modifications and applications are possible.

[6-1. Payment information]
In the above-described embodiment, the transmission unit 1524 has shown an example of transmitting payment information including a receipt image and payment contents as settlement information, but the function of the transmission unit 1524 is not limited to such an example. For example, the transmission unit 1524 may transmit arbitrary information stipulated in the expense reimbursement rules in the organization to which the user belongs as reimbursement information. In addition, the transmission unit 1524 may transmit payment information that does not include the receipt image as settlement information.

[6-2. Receipt image registration]
In the above-described embodiment, when the user desires to settle the expenses made by using the payment application, the reception unit 1522 displays the image of the receipt provided by the payee in response to the payment. An example of accepting and using it as payment information is shown. However, the function of the reception unit 1522 is not limited to such an example. For example, the reception unit 1522 is not limited to payments that are subject to expense settlement, but is an image of a receipt provided by the payee for payments arbitrarily selected by the user among payments made using the payment application. Registration may be accepted and transmitted to the payment server 10 together with information (payment ID) for identifying payment. Then, the payment server 10 links the received receipt image and the payment ID and manages them in the user information database 32, and provides the receipt image in response to a request from the user terminal 100.

As a result, the user terminal 100 can use the image of the receipt corresponding to each of the payments made using the payment application as the user, so that the user needs to organize the receipts printed on the paper medium. It disappears and convenience can be improved. In addition, since it is possible to provide the user with advertising content or the like based on the information specified from the image of the receipt (for example, the purchase history of the user) using the payment server 10OCR, the information to be provided to the user is appealed. The effect can be improved.

[6-3. Cooperation with multiple settlement processing services]
The electronic payment service provided by the above-mentioned payment server 10 is not limited to one payment processing service, and may be linked (linked) with a plurality of payment processing services. Then, the transmission unit 1524 may transmit the payment information to any one of the plurality of payment processing services associated with the electronic payment service. For example, when a user belongs to a plurality of organizations, the payment server 10 associates the user, each organization to which the user belongs, and the settlement processing service used when performing the settlement processing of expenses in each organization. To manage. In this case, the display control unit 1521 displays the organization associated with the user on the screen in a state in which the user can select it. Then, the transmission unit 1524 transmits the settlement information to the settlement processing service (in other words, the information processing device that provides the settlement processing service) associated with the organization selected by the user.

The display control unit 1521 may display a plurality of settlement processing services associated with the user on the screen in a state in which the user can select them. In this case, the transmission unit 1524 transmits the payment information to the settlement processing service selected by the user. In addition, the display control unit 1521 is information indicating a suggestion (proposal) of the organization to which the expense is applied, or a destination of the settlement information, according to the settlement information (for example, the type of expense) registered by the user. Information indicating a suggestion of a certain settlement processing service may be displayed.

[6-4. Processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part thereof can be automatically performed by a known method. In addition, the processing procedure, specific name, and information including various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically dispersed / physically distributed in any unit according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[7. effect〕
As described above, the terminal device according to the embodiment (user terminal 100 in the embodiment) has a display control unit 1521. The display control unit 1521 displays the payment history information indicating the history of payment by a predetermined payment means using the terminal device on the screen of the terminal device in association with the calendar.

As a result, the user terminal 100 according to the embodiment can display the payment history in association with the date on the calendar, so that the convenience of the user who makes the payment using the terminal device can be improved.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 displays the settlement history information indicating the settlement before the expense application, which is the settlement before the application for the expense settlement, in association with the calendar.

As a result, the user terminal 100 according to the embodiment can display the settlement before the application for expense settlement (settlement before the expense application) in association with the date on the calendar, so that the convenience of the user in the expense settlement can be improved. Can be improved.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 displays the payment history information together with the calendar.

As a result, the user terminal 100 according to the embodiment displays the payment history together with the calendar, and the user can check the payment contents while checking the date on the calendar. Therefore, the payment using the terminal device can be performed. It is possible to improve the convenience of the user.

Further, the user terminal 100 according to the embodiment has a reception unit 1522. The reception unit 1522 accepts the designation of the date included in the calendar by the user who uses the terminal device. The display control unit 1521 displays the payment history information indicating the payment made on the date specified by the reception unit 1522.

As a result, the user terminal 100 according to the embodiment can display the payment history of the date specified by the user in association with the calendar, thus improving the convenience of the user who makes the payment using the terminal device. Can be made to.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 arranges the calendar in the first area and arranges and displays the payment history information in the second area different from the first area.

As a result, the user terminal 100 according to the embodiment displays the calendar and the payment history in different areas, so that the user can check the payment contents while checking the date on the calendar. It is possible to improve the convenience of the user who makes a payment using the terminal device.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 displays a list of payment history information in a second area continuous to the lower part of the first area.

As a result, the user terminal 100 according to the embodiment uses the terminal device because the user can confirm the payment contents while confirming the date on the calendar by displaying the payment in a list under the calendar. It is possible to improve the convenience of the user who makes the payment.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 arranges and displays the settlement history information in the area corresponding to the date corresponding to the settlement date and time in the calendar.

As a result, the user terminal 100 according to the embodiment displays the payment history of the date in the area corresponding to the date of the calendar, so that the user can check the calendar and the payment at the same time. It is possible to improve the convenience of the user who makes a payment using the terminal device.

Further, the user terminal 100 according to the embodiment has a determination unit 1523. The determination unit 1523 determines the degree of possibility of reimbursement for each expense of settlement. The display control unit 1521 displays the calendar or the payment history information in a display mode according to the degree of possibility of each expense settlement of the settlement determined by the determination unit 1523.

As a result, the user terminal 100 according to the embodiment can improve the convenience of the user in the expense settlement by displaying according to the degree of possibility of each expense settlement of the settlement.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 highlights the target date, which is the date on which the settlement with high possibility of expense settlement is performed, in the calendar.

As a result, the user terminal 100 according to the embodiment highlights the date on which the settlement with high possibility of expense settlement was performed, so that the user can easily confirm the date on which the settlement is subject to expense settlement. Therefore, it is possible to improve the convenience of the user in the expense settlement.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 highlights the target date, which is the date on which the pre-expense settlement, which is the settlement before the application for expense settlement, is performed.

As a result, the user terminal 100 according to the embodiment highlights the target date on which the pre-expense settlement, which is the settlement before the application for expense reimbursement, is performed, so that the user can settle the expense. Since a certain date can be easily confirmed, it is possible to improve the convenience of the user in expense settlement.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 displays the target date in a display mode different from other dates.

As a result, the user terminal 100 according to the embodiment displays the date on which the settlement with high possibility of expense settlement was made in a display mode different from other dates, so that the user can settle the expense. Since a certain date can be easily confirmed, it is possible to improve the convenience of the user in expense settlement.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 preferentially displays the settlement history information of the settlement having a high possibility of expense settlement.

As a result, the user terminal 100 according to the embodiment can easily confirm the payment that is likely to be subject to expense settlement by the user by preferentially displaying the settlement that is likely to be expense settlement. Therefore, it is possible to improve the convenience of the user in the expense settlement.

Further, in the user terminal 100 according to the embodiment, the display control unit 1521 preferentially displays the settlement history information in order from the one with the highest possibility of expense settlement.

As a result, the user terminal 100 according to the embodiment displays priority in order from the one with the highest possibility of expense settlement, so that the user can easily confirm the settlement that is likely to be the target of expense settlement. Therefore, it is possible to improve the convenience of the user in the expense settlement.

[8. Hardware configuration]
Further, the information processing devices such as the payment server 10, the user terminal 100, the settlement processing server 200, and the business operator terminal 300 according to each of the above-described embodiments are realized by, for example, a computer 1000 having a configuration as shown in FIG. Will be done. FIG. 12 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device. Hereinafter, the user terminal 100 will be described as an example. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1200 or the HDD 1400, and controls each part. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program that depends on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the data generated by the CPU 1100 via the communication network 500 is transmitted to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the user terminal 100, the CPU 1100 of the computer 1000 realizes the function of the control unit 150 by executing the program loaded on the RAM 1300. Further, each data in the storage device of the user terminal 100 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be acquired from another device via a predetermined communication network.

[9. others〕
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to practice the present invention in other improved forms.

Further, the configuration of the user terminal 100 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the reception unit can be read as a reception means or a reception circuit.

1 Information processing system 10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 User information database 40 Control unit 41 Reception unit 42 Payment processing unit 43 Payment processing unit 100 User terminal 110 Communication unit 120 Storage unit 130 Imaging unit 140 Display Unit 150 Control unit 151 1st application 152 2nd application 1521 Display control unit 1522 Reception unit 1523 Decision unit 1524 Transmission unit 200 Settlement processing server 300 Business terminal

Claims (12)

A display program executed by a terminal device
The payment history information indicating the payment history by the predetermined payment means using the terminal device is displayed on the screen of the terminal device together with the calendar, and the predetermined mark is superimposed on the date corresponding to the payment history information in the calendar. By doing so, the display control procedure for highlighting the date and
The reception procedure for accepting the designation of the date highlighted by superimposing the predetermined mark included in the calendar by the user using the terminal device, and the reception procedure.
Is executed by the terminal device,
The display control procedure is
When the designation is accepted by the reception procedure, the calendar is arranged in the first area, and the payment history information indicating the payment made on the date specified by the reception procedure is displayed in the second area different from the first area. A display program characterized by arranging and displaying in an area. The display control procedure is
The display program according to claim 1, wherein the settlement history information indicating the settlement before the application for expense settlement, which is the settlement before the application for expense settlement, is displayed together with the calendar. The display control procedure is
The display program according to claim 1 or 2, wherein the payment history information is displayed in a list in the second area continuous with the lower part of the first area. The display control procedure is
The display according to any one of claims 1 to 3, wherein the payment history information is arranged and displayed in the area corresponding to the date corresponding to the date and time of the payment in the calendar. program. A decision procedure that determines the degree of possibility of expense settlement for each of the above settlements,
Is executed by the terminal device,
The display control procedure is
Any of claims 1 to 4, wherein the calendar or the settlement history information is displayed in a display mode according to the degree of possibility of the expense settlement of each of the settlements determined by the determination procedure. The display program described in one. The display control procedure is
The display program according to claim 5, wherein the target date, which is the date on which the settlement with high possibility of expense settlement is performed, is highlighted in the calendar. The display control procedure is
The display program according to claim 5 or 6, wherein the target date, which is the date on which the pre-expense settlement is settled, is highlighted. The display control procedure is
The display program according to claim 6 or 7, wherein the target date is displayed in a display mode different from that of other dates. The display control procedure is
The display program according to any one of claims 5 to 8, wherein the settlement history information of the settlement having a high possibility of expense settlement is preferentially displayed. The display control procedure is
The display program according to claim 9, wherein the payment history information is preferentially displayed in order from the one with the highest possibility of expense settlement. It ’s a terminal device,
The payment history information indicating the payment history by the predetermined payment means using the terminal device is displayed on the screen of the terminal device together with the calendar, and the predetermined mark is superimposed on the date corresponding to the payment history information in the calendar. By doing so, a display control unit that highlights the date and
A reception unit that accepts designation of a date highlighted by superimposing the predetermined mark included in the calendar by a user who uses the terminal device, and a reception unit.
Have,
The display control unit
When the designation is accepted by the reception unit, the calendar is arranged in the first area, and the payment history information indicating the payment made on the date specified by the reception unit is different from the first area. A terminal device characterized by being placed in an area and displayed. It is a display method executed by the terminal device.
The payment history information indicating the payment history by the predetermined payment means using the terminal device is displayed on the screen of the terminal device together with the calendar, and the predetermined mark is superimposed on the date corresponding to the payment history information in the calendar. By doing so, a display control process that highlights the date and
A reception process that accepts the designation of the date highlighted by superimposing the predetermined mark included in the calendar by the user who uses the terminal device, and
Including
The display control step is
When the designation is accepted by the reception process, the calendar is arranged in the first area, and the payment history information indicating the payment made on the date specified by the reception process is displayed in the second area different from the first area. A display method characterized by arranging and displaying in an area.

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