JP6999386B2 - Information processing equipment, information processing methods, programs and information processing systems - Google Patents

Description

The present invention relates to an information processing apparatus, an information processing method, a program and an information processing system.

Conventionally, information recording media such as mobile phones such as smartphones and IC cards having a plurality of electronic money applications have been known, and Suica (registered trademark) and electronically traded using the information recording media Money services that use electronic money and virtual currency are provided, such as deposit processing of so-called electronic money such as Edy (registered trademark) and settlement processing of commercial transactions in electronic money and virtual currency.

Patent Document 1 discloses, as a technique related to a money service, a mobile communication terminal device that records, aggregates, and displays a transaction history corresponding to each of a plurality of types of electronic money.

Japanese Unexamined Patent Publication No. 2009-003661

Here, money services have been increasing in recent years, and in order to differentiate from other money services, companies provide benefits such as points being awarded when the money services are used. Such benefits vary depending on the deposit / settlement amount of the money service and the credit service synchronized with it. Therefore, there is a need for users to understand which money service is beneficial to them when making a deposit or payment.

However, in the mobile communication terminal device described in Patent Document 1, one of the plurality of electronic commerce applications is simply selected with reference to the type information of the plurality of electronic commerce applications displayed on the screen of the device. It was only possible, and it was not possible to meet the user's request to use the e-commerce application after understanding which money service was beneficial to them.

Therefore, an object of the present invention is to provide an information processing device, an information processing method, a program, and an information processing system capable of selecting a money service to be used by a user based on privilege information of a plurality of money services.

The information processing device according to one aspect of the present invention has a privilege indicating a privilege given when each of a plurality of money services is used from a plurality of money servers that provide a plurality of money services using different electronic money. Based on the acquired privilege information and the acquisition unit for acquiring information, the first output information for outputting the money service information indicating a plurality of money services and the privilege information corresponding to each of the money services in association with each other is output. It includes an output information generation unit to be generated.

The information processing method according to one aspect of the present invention provides privilege information indicating benefits given when a plurality of money services are used from a plurality of money servers that provide a plurality of money services using different electronic money. A step to acquire, a step to generate output information for outputting the money service information indicating a plurality of money services and the privilege information corresponding to each of the money services in association with each other based on the acquired privilege information. including.

The program according to one aspect of the present invention shows a privilege given when a computer uses each of a plurality of money services from a plurality of money servers that provide a plurality of money services using different electronic money. Based on the acquisition unit that acquires the privilege information and the acquired privilege information, the output information for outputting the money service information indicating a plurality of money services in association with the privilege information corresponding to each of the money services is generated. It functions as an output information generator.

The program according to one aspect of the present invention is a program executed by a computer capable of communicating with the information processing apparatus, and causes the computer to function as an output unit for outputting the first output information from the information processing apparatus.

The information processing system according to one aspect of the present invention is an information processing system including an information processing device and an external terminal device connected to the information processing device via a network, and the information processing device has different electronic devices. Based on the acquisition unit that acquires privilege information indicating the benefits granted when using each of the multiple money services from multiple money servers that provide multiple money services that use money, and the acquired privilege information. The external terminal device is provided with an output information generator for generating output information for outputting the money service information indicating a plurality of money services in association with the privilege information corresponding to each of the money services. It is provided with an output unit that outputs output information from the processing device.

According to the present invention, it is possible to provide an information processing device, an information processing method, a program and an information processing system capable of selecting a money service to be used by a user based on privilege information of a plurality of money services.

It is a figure which shows an example of the system structure of the electronic money management system which concerns on one Embodiment of this invention. It is a figure which shows the screen example which is displayed in the display output part of the user terminal which concerns on one Embodiment of this invention. It is a figure which shows the screen example which is displayed in the display output part of the user terminal which concerns on one Embodiment of this invention. It is a figure which shows the screen example which is displayed in the display output part of the user terminal which concerns on one Embodiment of this invention. It is a figure which shows an example of the data structure stored in the storage part of the information processing apparatus which concerns on one Embodiment of this invention. It is a figure which shows the operation example of the information processing apparatus which concerns on one Embodiment of this invention. It is a figure which shows the operation example of the information processing system which concerns on one Embodiment of this invention. It is a figure which shows the operation example of the information processing system which concerns on one Embodiment of this invention.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. (In addition, in each figure, those having the same reference numeral have the same or the same configuration.)

A system example of the electronic money management system according to the embodiment of the present invention will be described with reference to FIG. FIG. 1 is a block diagram showing a system configuration of the electronic money management system 1000.

As shown in FIG. 1, the electronic money management system 1000 includes, for example, an information processing system 100, a user terminal 200, a money server 400a, a money server 400b, a credit settlement server 500, a vending machine 700a, and a store terminal 700b. It is composed.

The information processing system 100 exemplifies information that generates output information for outputting money service information of a plurality of money services that use different electronic money in association with privilege information corresponding to each of the money services. It is configured to include a processing device 300 and a user terminal 200 that outputs the output information. Details of the functional configurations of the information processing apparatus 300 and the user terminal 200 will be described later. The information processing system 100 is configured to be communicable with, for example, a user terminal 200, a money server 400a, a money server 400b, a credit settlement server 500, a vending machine 700a, and a store terminal 700b via a network 600. The network 600 may be, for example, any of the Internet, LAN, telephone line, other communication line, a combination thereof, and the like, and may be wired or wireless.

The "electronic money" includes not only electronic money which is electronic data of legal tender such as Suica and Edy, but also electronic data of non-legal currency (for example, virtual currency and the like).

"Money service information" is information indicating a plurality of money services. The money service information includes, for example, an ID for identifying each money service (hereinafter referred to as "money service ID"), a name of the money service, an ID for identifying a company that provides each money service, and the like. Will be done.

The "privilege information" is information indicating the benefits given when the money service is used. The privilege information includes, for example, an ID for identifying each privilege (hereinafter referred to as "privilege ID"), a money service ID of a money service that is the entity that provides each privilege and corresponds to each privilege, and the content of the privilege (for example, entry). Amount XX yen per □□ points, etc.) is included. The content of the benefits that can be used may change depending on the date and time (hereinafter referred to as "available date and time") for the privilege information (for example, benefits that can be used only on weekdays). In addition, the content of the benefits that can be used may change due to other external factors such as the weather. In addition to the points provided by each money service, the privilege may be, for example, issuance of a coupon that can be used at the time of the next charge or settlement, discount of the transaction amount, or the like.

Further, the privilege information may be configured to include information indicating a combination of benefits that can be used repeatedly in each money service (for example, privilege 1 and privilege 2 of money service A can be used twice).

The money servers 400a and 400b are server devices that provide money services, and the money server 400a and the money server 400b provide different money services. The money server 400a and the money server 400b are collectively referred to as a money server 400 when there is no particular need to distinguish them.

The credit settlement server 500 is a server device of a credit company. The information processing device 300 and the user terminal 200 communicate with the credit payment server 500 via the network 600 and the money server 400 to check the credit inquiry as to whether or not the user can use the credit payment, and perform the credit payment processing. I do. There may be a plurality of credit card payment servers 500.

Here, the money server 400 may be connected to the credit settlement server 500 via the network 600. With such a configuration, credit card payment can be used at the time of payment of electronic money or payment processing.

The information processing system 100 is installed in a store such as a vending machine 700a for conducting commercial transactions using a money service and a store terminal 700b for depositing electronic money in a money service via a network 600, and a user can make a deposit or make a payment. It may be connected to the terminal and the device (these are collectively referred to as "store terminal / device 700") to perform the operation. Hereinafter, the user terminal 200, the store terminal / device 700, and the like are collectively referred to as an “external terminal device”. The external terminal device is a terminal device for a user to perform various operations on various server devices such as an information processing device 300 and a money server 400 when using a money service, and is a terminal device that outputs output information described later. ..

The information processing device 300 functionally uses money service information indicating a plurality of money services and each of the plurality of money services from a plurality of money servers that provide a plurality of money services that use different electronic money. Corresponds to the money service information and the plurality of money services based on the privilege information indicating the privilege given in the case, the acquisition unit 321 to acquire, and the money service information and privilege information acquired by the acquisition unit 321. The output information generation unit 323 for generating the first output information for outputting in association with the privilege information is provided.

The information processing apparatus 300 is configured by, for example, a server apparatus including a computer system, and is implemented by a software program. Further, the program may be downloaded and provided from the outside of the information processing apparatus 300 via a network, for example, or various information records readable by a computer such as a CD-ROM or a DVD-ROM. It may be provided by a medium. The information processing device 300 may appropriately use the service provided by the cloud server device without providing software, hardware, an OS, or the like dedicated to the information processing system 100.

The communication unit 310 has a function of executing communication with the user terminal 200 or another system via the network 600 under the control of the control unit 320. The communication unit 310 receives, for example, a privilege information request requesting privilege information and a payment settlement processing request requesting payment or settlement processing of electronic money from the user terminal 200, and transmits money service information and privilege information to the user terminal 200. do.

For example, when the reception unit 322 receives the payment settlement processing request, the communication unit 310 may send the payment settlement processing request to the money server 400 associated with the selected money service information. The communication unit 310 may transmit (transfer) the deposit settlement processing request received by the reception unit 322 to the money server 400 as it is, or the control unit 320 newly receives the deposit settlement processing request based on the received deposit settlement processing request. A deposit settlement processing request may be generated and sent to the money server 400.

The "money server associated with the money service information" refers to the money server 400 that provides each money service indicated by the money service information. The implementation of the association may be realized, for example, by storing each money service ID in the storage unit 330 in association with the ID that identifies each money server 400.

The control unit 320 includes, for example, an acquisition unit 321, a reception unit 322, an output information generation unit 323, and a determination unit 324, and has a function of controlling each functional unit of the information processing unit 300 and performing arithmetic processing of various data. It is a processor (CPU) to have.

The acquisition unit 321 has a function of acquiring information from an external terminal device, another server device, or another system. The acquisition unit 321 acquires money service information and privilege information from, for example, a plurality of money servers 400.

For example, when the acquisition unit 321 receives the privilege information request from the user terminal 200, the acquisition unit 321 receives the privilege information as a response to (1) transmission of the privilege information request requesting the privilege information to the money server 400, or (2). ) The privilege information may be acquired by at least one of referring to the privilege information stored in advance in the storage unit. The "storage unit" referred to here includes at least one of a storage device (storage unit 330) in the information processing device 300 and a storage device outside the information processing device 300.

The example of (1) above includes searching for and acquiring information published by the money server 400 on an Internet website or the like. According to such a configuration, privilege information can be easily acquired even if it is not prepared as information for the information processing system 100.

In the example of (2) above, the distribution of privilege information as the latest information at that time is periodically received from the money server 400 (for example, daily, weekly, monthly, etc.), and each time, the storage unit 330 receives the distribution. You may try to update it by memorizing it. The acquisition unit 321 may acquire the privilege information by using each of the above (1) and (2) independently, or the privilege information acquired by each of the above methods (1) and (2) is compared and aggregated. -Merge may be done for optimization (including up-to-date). With such a configuration, it is possible to output privilege information that has been updated to a certain extent.

The acquisition unit 321 may acquire, for example, credit privilege information indicating the privilege given when the credit payment is used from the credit settlement server 500 associated with the money server 400.

The "credit privilege information" is information indicating the privilege given when the credit settlement is used. The credit privilege information indicates, for example, the benefits provided by the credit settlement service of each credit company (for example, □□ points are given by using credits for XX yen, points are given by multiplying the points by XX during a predetermined period, etc.). .. Further, the credit privilege information may exist independently for each credit settlement, or exists subordinate to each money service (for example, points are given when the money service A and the credit settlement service A are used). ) May.

The reception unit 322 has a function of receiving various requests from each functional unit, an external terminal device, or another system. The reception unit 322 receives, for example, a privilege information request for requesting privilege information. The reception unit 322 may accept, for example, by receiving the privilege information request transmitted from the external terminal device in the communication unit 210 and transmitting it to the reception unit 322.

For example, when the money service is selected, the reception unit 322 may accept a deposit settlement processing request for depositing or settlement processing of electronic money corresponding to the selected money service. The reception unit 322 may, for example, accept a payment settlement processing request by selective input for a plurality of money service information output to the output unit 250.

According to the above configuration, the user selects a plurality of money service information and proceeds with the deposit settlement process while checking the privilege information corresponding to the money service information output to the user terminal 200 (selected money). You can send a request for deposit settlement processing to the money server associated with the service information).

The reception unit 322 may, for example, receive a payment settlement processing request from the user terminal 200 by a designated input for the confirmation information output to the output unit 250.

The "confirmation information" is information for confirming that the money service to be used is determined based on the priority information and the payment settlement process is performed by the determined money service. For example, when the priority information is set to the order of use of the money service, the confirmation information is determined as a money service that uses the money service having the highest priority based on the order, and the determined money service is used. Any information may be used as long as it is information for displaying a text or outputting a voice confirming whether or not the payment settlement process can be performed. As for the confirmation information, for example, when it is determined that the money service A will be used based on the priority information, "Is it okay to perform the deposit processing with the money service A based on the set priority information?" It may be information for displaying a dialog display, a footer display, or the like accompanied by a text display and an operation button that accepts a designated input from the user on the user terminal 200.

"Priority information" is information indicating the priority of using the money service. The priority information is, for example, information that has been set and input in advance by the input unit 240 or distributed from the money server 400, in the order of use of the money service (for example, money service A, money service B, money service C). Ranking according to the usage order of the benefits of each money service (for example, use in the order of privilege 1, privilege 2, and privilege 3 in money service A), and the specific content of the privilege (for example, use). It may be configured to include information such as (priority is given to the one with the highest point award rate, priority is given to the one with the highest award point multiplier, etc.) among the unit handling amounts such as 100 yen.

The output information generation unit 323 is, for example, output information for outputting the money service information indicating a plurality of money services and the privilege information corresponding to the money service in association with each other, based on the privilege information acquired by the acquisition unit 321. (1 Output information) is generated.

The "output information" is information for outputting to an external terminal device of the output unit 250 of the user terminal 200 or the output unit (not shown) of the store terminal / device. The output information is a general term for the first output information, the second output information, the third output information, and the fourth output information.

An output example of the first output information for outputting the money service information and the privilege information corresponding to the money service in association with each other will be described with reference to FIGS. 2 and 3. 2 and 3 are diagrams showing an example of a screen in which the first output information is displayed (output) on the display output unit 251 of the user terminal 200.

As shown in FIG. 2, at the time of deposit, electronic money A, electronic money B and service names of a plurality of money services are displayed as money service information, and privilege information corresponding to each money service, for example, is displayed under the display. In the case of electronic commerce A, the first output information is associated by displaying a list of privilege information such that 0 points are given to electronic money A when depositing 1,000 yen and 100 points are given when depositing 2,000 yen. May be output.

As shown in FIG. 2, at the bottom of the screen display, an input form for specifying and inputting which money service to use and how much the deposit amount should be (which privilege to select) may be displayed. .. When the designated input of the money service is performed in the input form and the execution button (not shown) for executing the deposit process is pressed, a deposit settlement processing request based on the privilege information is transmitted to the money server 400.

As shown in FIG. 3, at the time of payment, the service names of electronic money A, electronic money B, virtual currency C and a plurality of money services are displayed at the time of payment, and if it is virtual currency C, it is virtual. The price display of currency C "OOOO coins" and some display of 1 unit "1 unit: △△ yen" may be displayed. Further, as shown in FIG. 3, under them, benefits corresponding to each money service, for example, "privilege: with coupon" for electronic money B and "privilege: □□ coin" for virtual currency C. The first output information may be output in association with the privilege information such as "(XXX yen) discount".

As shown in FIG. 3, at the bottom of the screen display, an input form for designating and inputting which money service to use (which privilege to select) may be displayed. When the designated input of the money service is performed in the input form and the execution button (not shown) for executing the payment process is pressed, a payment settlement processing request based on the privilege information is transmitted to the money server 400.

An output example of the second output information for outputting the money service information and the credit privilege information corresponding to the money service in association with each other will be described with reference to FIG. 4. FIG. 4 is a diagram showing a screen example in which the second output information is displayed on the display output unit 251 of the user terminal 200.

As shown in FIG. 4, for example, at the time of deposit, the service name of the money service is displayed, and the privilege information corresponding to each money service is displayed under the service name. When using it, the second output information may be output in association with the credit privilege information in the credit settlement by displaying it under the electronic money B.

At the bottom of the screen display, in addition to the input form for specifying and inputting the money service to be used and the deposit amount, an input form for specifying the deposit method (for example, cash payment or credit payment, etc.) is added and displayed. You may. When the user inputs the specified money service to be used in the input form and presses the execute button (not shown) to execute the deposit process, the deposit settlement processing request based on the credit privilege information is sent to the money server 400. To.

According to the above configuration, at least one money service to be used by the user can be selected based on the output privilege information of the plurality of money services.

For example, at the time of settlement, the output information generation unit 323 compares the balance amount of the user information for each money service described below stored in the storage unit 330 with the target transaction amount, and the balance amount is insufficient. If it is determined that the information is present, the first and second output information may be generated so that the determined money service is not included in the output content. With such a configuration, it is possible to omit the output of money services and privilege information that cannot be actually used by the user.

The output information generation unit 323 compares, for example, the available date and time included in the privilege information with the date and time when the privilege information request is received, and generates the first and second output information so as to output only the available privilege. May be good. According to such a configuration, the privilege information display can be changed depending on the date and time, and it is possible to omit the output of the money service and the privilege information that cannot be actually used by the user.

The output information generation unit 323 generates, for example, a second output information for outputting the money service information and the credit privilege information corresponding to the money service in association with each other, based on the credit privilege information acquired by the acquisition unit 321. May be good. The output information generation unit 323 may output in association with each other by displaying the credit privilege under the corresponding money service name, for example.

According to the above configuration, the money service to be used by the user can be selected based on not only the privilege of the money service but also the privilege information of the credit to be used together.

The determination unit 324 determines, for example, the money service to be used based on the priority information. The output information generation unit 323 generates, for example, a third output information for outputting confirmation information as to whether or not to execute the payment or settlement processing of electronic money corresponding to the money service determined by the determination unit 324. May be good. According to such a configuration of the output information generation unit 323, it is possible to automatically determine the money service to be used based on the priority information set in advance from the plurality of money services.

In addition, as described above, instead of including the confirmation information in the third output information (not the information for confirming with the user in advance when performing the deposit settlement processing as described above), the determined money service. It is also possible to include information notifying that the processing has been performed after the payment or payment processing has been automatically performed by the electronic money corresponding to the above. According to such a configuration, the information processing system 100 can automate the process from determination to payment settlement processing of the money service to be used based on the priority information set in advance from the plurality of money services.

The storage unit 330 stores, for example, money service information, privilege information, credit privilege information, priority information, output information, input information, transaction information, user user information, money service and privilege related information, and the like. The storage unit 330 may use a database system or a file system.

Illustratively, the user terminal 200 is a communication unit 210 having a function of executing communication with an information processing device 300, another external terminal device, or another system via a network 600 under the control of the control unit 220, and a user. Various programs, data, and parameters required for the user terminal 200 to control and perform arithmetic processing under the control of the control unit 220 and the control unit 220 having a function of controlling each functional unit of the terminal 200 and performing arithmetic processing of various data. A storage unit 230 having a function of storing data, an input unit 240, and an output unit that outputs first output information for associating and outputting a money service indicating a plurality of money services and privilege information corresponding to the money service. It is configured with 250.

The user terminal 200 is an electronic device such as a mobile terminal owned by a user who uses the information processing system 100. The user terminal 200 can use any terminal device such as a tablet terminal, a wearable terminal, a personal computer, a smartphone, etc., which can exchange data with other communication devices via a communication network.

The communication unit 210 sends, for example, a privilege information request and a payment settlement processing request to the information processing apparatus 300, and receives privilege information and money service information from the information processing apparatus 300. The user terminal 200 may store the money service information in the storage unit 230 in advance.

The request generation unit 221 provides information based on, for example, a designated input received by the input unit 240 (for example, pressing an operation button or inputting an instruction voice for outputting a plurality of money services and their benefits to the output unit 250). A privilege information request for requesting privilege information from the processing device 300 is generated.

The request generation unit 221 deposits or settles electronic money that is electronically traded based on the selected money service information and the privilege information associated with the money service information, for example, based on the selection input received by the input unit 240. Generate a deposit settlement processing request for requesting the processing to the money server 400 corresponding to the money service.

According to the above configuration, the user can request the money service to process the deposit settlement after selecting the money service or the like to which the most privilege is given according to the deposit amount or the settlement amount from a plurality of money services. ..

The input unit 240 includes, for example, a display input unit 241 and a voice input unit 242, and has a function of receiving various information inputs in the user terminal 200 under the control of the control unit 220. Under the control of the control unit 220, the input unit 240 generates input information indicating the received input content and transmits it to each functional unit. Here, the "input information" is information indicating the input contents of various information received by the input unit 340.

The display input unit 241 has a function of receiving an operation input from the user under the control of the control unit 220. The display input unit 241 is realized by, for example, a soft key or a hard key such as a touch panel. The display input unit 241 accepts, for example, a selection input for the money service information output by the output unit 250. The display input unit 241 may accept, for example, a setting input for the priority setting display of the money service output by the output unit 250. The voice input unit 242 may, for example, accept a voice selection input of a money service or a privilege from a user, or may receive an execution input of transmission of a payment settlement processing request to a voice money server. The voice input unit 242 is realized by, for example, a microphone provided in the user terminal or the like.

The output unit 250 includes, for example, a display output unit 251 and an audio output unit 252, and has a function of outputting various information in the user terminal 200 under the control of the control unit 220. The output unit 250 outputs, for example, the first output information for associating and outputting the money service information indicating a plurality of money services and the privilege information corresponding to the money services.

The display output unit 251 has a function of displaying various information such as money service information and privilege information. The display / output unit 251 may display the output information transmitted from the information processing device 300 via the network 600 under the control of the control unit 220. The audio output unit 252 has a function of outputting output information by audio. The audio output unit 252 may be realized by the built-in speaker of the user terminal 200, for example, and may directly output the audio, or may be connected to headphones or earphones to output the audio signal to an external medium by wire or wirelessly. ..

In the present embodiment, the user terminal 200 generates a privilege information request and sends it to the information processing apparatus 300, receives the first output information and the second output information as a response to the transmission of the request, and the output unit 250 receives these. Although the embodiment of outputting the output information of the above has been described, instead of the user terminal 200, the store terminal / device 700 generates a privilege information request and sends it to the information processing apparatus 300 as a response to the transmission of the request. One output information and the second output information may be received, and these output information may be output by an output unit (not shown) of the store terminal / device 700.

Further, in this modification, instead of the user terminal 200, the store terminal / device 700 accepts the selection input of the money service or the like for the output first output information, and makes the payment settlement processing request to the information processing device 300 or the money server. It may be transmitted to 400.

According to the above configuration, the user can confirm the privilege information associated with the money service information, perform the payment settlement operation, and the like by using only the store terminal / device 700 without using the user terminal 200.

(Example of data structure)
An example of the data configuration of the information processing system 100 according to the embodiment of the present invention will be described with reference to FIG. FIG. 5 is a diagram showing an example of a data configuration of transaction information, user information, privilege information, money service and privilege-related information stored in the storage unit 330 of the information processing apparatus 300. Transaction information, user information, privilege information, and information related to money services and benefits may be stored in association with each other. Transaction information, user information, privilege information, money service and privilege-related information may be similarly stored in the user terminal 200. For example, the user terminal 200 may record the user information shown in FIG. 5B, which will be described later.

FIG. 5A is a diagram showing an example of a data structure of transaction information. Here, "transaction information" is information for managing transactions related to money services. As shown in FIG. 5A, the transaction information includes a "transaction ID" that identifies each transaction, a "transaction type" that indicates the type of each transaction (for example, payment, settlement, etc.), and a user who has performed each transaction. "User ID" that identifies, the post-transaction balance that indicates the balance amount after each transaction, the "transaction amount" that indicates the amount traded in each transaction, and each money service as a privilege given in each transaction handles It is composed of items such as "grant points" indicating the points to be given and "privilege ID" for identifying the benefits applied in each transaction. Of course, it is not necessary that all of these items are included in the transaction information, and items other than these may be included, which may be appropriately set according to the service content of the money service information.

FIG. 5B is a diagram showing an example of a data structure of user information. Here, "user information" is information for managing individuals and the like who use each money service. As shown in FIG. 5B, the user information includes items such as a "user ID" and a "balance" indicating the current balance amount. Of course, it is not necessary that all of these items are included in the transaction information, and items other than these may be included, which may be appropriately set according to the service content of the money service information.

FIG. 5C is a diagram showing an example of a data structure of privilege information. As shown in FIG. 5 (c), the privilege information includes a "privilege ID", a "privilege content" indicating the specific content of each privilege, a "status" indicating the status of each privilege, and the available date and time of each privilege. It is composed of items such as "available date and time" to be shown. Of course, it is not necessary that all of these items are included in the transaction information, and items other than these may be included, which may be appropriately set according to the service content of the money service information.

FIG. 5D is a diagram showing an example of a data structure of information related to money services and benefits. As shown in FIG. 5D, the related information includes items such as "money service ID" and "privilege ID". Of course, items other than these may be included, and the association may be determined by the processing logic each time without storing the information for such association in advance.

(Operation example)
An operation example of the information processing system 100 according to the embodiment of the present invention will be described with reference to FIGS. 6 to 8.

FIG. 6 is a flowchart showing an operation example of the information processing apparatus 300 according to the embodiment of the present invention.

As shown in FIG. 6, the information processing apparatus 300 receives a privilege information request requesting privilege information from a user terminal 200 connected via the network 600 (S10).

The information processing apparatus 300 acquires privilege information from a plurality of money servers (S11). The flow from step S10 to S11 does not have to be a series of processes (even if there is a time lag).

Based on the acquired privilege information, the information processing apparatus 300 outputs, for example, the first output information for associating and outputting the money service information indicating a plurality of money services and the privilege information corresponding to the money service on the user terminal 200. Generate (S12). The money service information may be stored in advance by the information processing apparatus 300, or may be acquired from the user terminal 200 together with the privilege information request.

When the information processing apparatus 300 uses the priority information stored in the storage unit 330 or the like (YES in S13), the information processing apparatus 300 determines the money service to be used based on the priority information, and deposit settlement processing by the determined money service. Generate third output information for confirmation (S14).

The information processing apparatus 300 transmits at least one of the first output information and the third output information via the network 600 in order to output at the user terminal 200 (S15).

FIG. 7 shows the mutual relationship and operation of each device from the activation of the terminal program mounted on the user terminal 200 of the information processing system 100 according to the embodiment of the present invention to the output of the second output information. It is a sequence diagram which shows an example. In the example of FIG. 7, the money server 400 that provides a plurality of money services is set as the money server 400a and the money server 400b, and the money server 400b presets the use of credit settlement in the transaction of the target money. This will be described as an example of a service.

As shown in FIG. 7, the user terminal 200 activates the terminal program by a designated input from the user (S21).

When the terminal program is started, the user terminal 200 generates a privilege information request by the program (S22).

When the privilege information request is generated, the user terminal 200 transmits the privilege information request to the information processing apparatus 300 (S23).

When the information processing device 300 receives the privilege information request from the user terminal 200, the information processing device 300 determines the server device that provides the money service of the request destination (in this example, the money server 400a and the money server 400b), and the server device is contacted. Send the privilege information request (S24, S27).

When the money server 400a receives the privilege information request from the information processing apparatus 300, the money server 400a acquires the privilege information stored in the storage device or the like (S25). The money server 400a transmits the acquired privilege information to the information processing apparatus 300 as a response to the privilege information request (S26).

When the money server 400b receives the privilege information request from the information processing apparatus 300, the money server 400b acquires the privilege information stored in the storage device or the like (S25). Further, the money server 400b transmits a credit privilege information request to the credit settlement server 500 (S29).

When the credit settlement server 500 receives the credit privilege information request from the money server 400b, the credit settlement server 500 acquires the credit privilege information stored in the storage device or the like (S30). The credit settlement server 500 transmits the acquired credit privilege information to the information processing apparatus 300 as a response to the privilege information request (S31).

When the money server 400b receives the credit privilege information from the credit settlement server 500, the money server 400b transmits the acquired privilege information and the credit privilege information to the information processing apparatus 300 as a response to the privilege information request (S32).

When the information processing apparatus 300 receives the privilege information and the credit privilege information from the money server 400a and the money server 400b, the information processing apparatus 300 receives the privilege information and the like, and the user terminal 200 has the money service information and the money service indicating a plurality of money services. The second output information for outputting the privilege information corresponding to the above and the credit privilege information in association with each other is generated (S33).

The information processing apparatus 300 transmits the generated second output information to the user terminal 200 (S34).

The user terminal 200 outputs the second output information received from the information processing apparatus 300 in the activated terminal program (S35).

FIG. 8 is a sequence diagram showing an operation example from the selection input to the money service output by the information processing system 100 according to the embodiment of the present invention to the output of the output information showing the deposit processing result through the cash input (charge). Is. The example of FIG. 8 is an operation example at the time of depositing electronic money. The operation at the time of payment of electronic money is the same as the operation example at the time of deposit of electronic money shown in FIG.

As shown in FIG. 8, the user inputs a selection input for the money service information to be used in the output information output by the user terminal 200 in association with the money service information indicating a plurality of money services and the privilege information corresponding to the money service. (S41).

When the user makes the selection input, the user terminal 200 accepts the selection input for the money service information (S42).

When the user terminal 200 receives the selection input, the user terminal 200 performs payment or settlement processing of electronic money based on the selected money service information and the privilege information associated with the money service information based on the received selection input. Generate a deposit settlement processing request to request the money server 400 corresponding to the service (S43).

The user terminal 200 transmits the generated deposit settlement processing request to the money server 400 (S44).

At the same time, the user inserts cash from the slot of the store terminal 700b in order to make a deposit by the selected and input money service (S46).

When the store terminal 700b receives the cash input from the user, the store terminal 700b accepts the cash input (S47). When the store terminal 700b accepts the cash input, the store terminal 700b generates deposit information indicating the cash input result (S48). The store terminal 700b transmits the generated deposit information to the money server 400 (S49).

When the money server 400 receives the payment information from the store terminal 700b, the money server 400 executes the payment process (S50). When the money server 400 executes the deposit process, the money server 400 transmits the deposit process result information of the deposit process to the information processing apparatus 300 (S51).

When the information processing apparatus 300 receives the deposit processing result information from the money server 400, the information processing apparatus 300 generates the fourth output information based on the deposit processing result information (S52). Here, the "fourth output information" is output information for notifying the result of the payment settlement processing on the money server 400.

The information processing apparatus 300 transmits the output fourth output information to the user terminal 200 (S53).

When the user terminal 200 receives the fourth output information from the information processing apparatus 300, the user terminal 200 outputs the fourth output information (S54).

<Other embodiments>
The above embodiment is for facilitating the understanding of the present invention, and does not limit the interpretation of the present invention. The present invention can be modified / improved (for example, combining each embodiment, omitting a partial configuration of each embodiment) without departing from the spirit thereof, and the present invention also includes an equivalent thereof. Will be.

The user terminal 200 may include at least a part of each configuration in the information processing apparatus 300 shown in FIG. Further, the information processing apparatus 300 may include at least a part of each configuration in the user terminal 200. For example, the user terminal 200 may be added to the configuration already provided by itself, or instead of the configuration already provided by itself, the acquisition unit 321, the reception unit 322, the output information generation unit 323 and the information processing apparatus 300 are provided. At least a part of the determination unit 324 may be provided. Specifically, the user terminal 200 directly acquires the privilege information from the money server 400, and based on the acquired privilege information, the money service information and the privilege information corresponding to the money service are associated and output. Output information may be generated.

Further, the user terminal 200 receives the privilege information collected from each money server 400 by the information processing apparatus 300 from the information processing apparatus 300, and the user terminal 200 receives the money service information and the privilege information corresponding to the money service. Output information for associating and outputting may be generated.

Then, the output information generated by the user terminal 200 may be output by the output unit 250 of the user terminal 200. Further, when there is a request from the vending machine 700a or the store terminal 700b, the user terminal 200 may output the output information in the vending machine 700a or the store terminal 700b.

100 ... Information processing system, 200 ... User terminal, 220 ... Control unit, 221 ... Request generation unit, 230 ... Storage unit, 240 ... Input unit, 241 ... Display input unit, 242 ... Voice input unit, 250 ... Output unit, 251 ... Display output unit, 252 ... Audio output unit, 300 ... Information processing device, 310 ... Communication unit, 320 ... Control unit, 321 ... Acquisition unit, 322 ... Reception unit, 323 ... Output information generation unit, 324 ... Judgment unit, 330 ... Storage unit, 400 ... Money server, 500 ... Credit payment server, 700 ... Store terminal / equipment

Claims (7)

An acquisition unit that acquires privilege information indicating benefits given when each of the plurality of money services is used from a plurality of money servers that provide a plurality of money services that use different electronic commerce.
Output information generation that generates first output information for outputting the money service information indicating the plurality of money services and the privilege information corresponding to each of the money services in association with each other based on the acquired privilege information. With a department ,
The acquisition unit acquires credit privilege information indicating the privilege given when credit payment is used from the credit payment server associated with the plurality of money servers.
The output information generation unit generates second output information for outputting the money service information and the credit privilege information corresponding to the plurality of money services in association with each other based on the acquired credit privilege information. ,
Information processing equipment. When one of the plurality of money services is selected, a reception unit that receives a request for payment or settlement processing of the electronic money corresponding to the selected one money service, and a reception unit.
Further comprising a communication unit that sends the request to the money server associated with the selected money service.
The information processing apparatus according to claim 1. Further, a determination unit for determining the money service to be used is provided based on the priority information indicating the priority of the use of the plurality of money services.
The output information generation unit generates third output information for outputting confirmation information as to whether or not to execute the payment or settlement processing of the electronic money corresponding to the determined money service.
The information processing apparatus according to claim 1 or 2 . It is an information processing method executed by a computer.
A step of acquiring privilege information indicating the privilege given when each of the plurality of money services is used from a plurality of money servers that provide a plurality of money services using different electronic commerce, and a step of acquiring the privilege information.
Including a step of generating output information for outputting the money service information indicating the plurality of money services and the privilege information corresponding to each of the money services in association with each other based on the acquired privilege information. fruit,
The acquisition step acquires credit privilege information indicating the privilege given when credit payment is used from the credit payment server associated with the plurality of money servers.
The generation step generates a second output information for outputting the money service information in association with the credit privilege information corresponding to the plurality of money services based on the acquired credit privilege information.
Information processing method. Computer,
An acquisition unit that acquires privilege information indicating benefits given when each of the plurality of money services is used from a plurality of money servers that provide a plurality of money services that use different electronic commerce.
An output information generation unit that generates output information for outputting the money service information indicating the plurality of money services and the privilege information corresponding to each of the money services in association with each other based on the acquired privilege information.
To function as
The acquisition unit acquires credit privilege information indicating the privilege given when credit payment is used from the credit payment server associated with the plurality of money servers.
The output information generation unit generates second output information for outputting the money service information and the credit privilege information corresponding to the plurality of money services in association with each other based on the acquired credit privilege information. , Program. A program executed by a computer communicably connected to the information processing apparatus according to any one of claims 1 to 3 .
The computer
It functions as an output unit that outputs the first output information from the information processing apparatus.
program. Information processing equipment and
An information processing system including the information processing device and an external terminal device connected via a network.
The information processing device is
An acquisition unit that acquires privilege information indicating benefits given when each of the plurality of money services is used from a plurality of money servers that provide a plurality of money services that use different electronic commerce.
An output information generation unit that generates output information for outputting the money service information indicating the plurality of money services and the privilege information corresponding to each of the money services in association with each other based on the acquired privilege information. , Equipped with
The acquisition unit acquires credit privilege information indicating the privilege given when credit payment is used from the credit payment server associated with the plurality of money servers.
The output information generation unit generates second output information for outputting the money service information and the credit privilege information corresponding to the plurality of money services in association with each other based on the acquired credit privilege information. ,
The external terminal device is
An output unit for outputting the output information from the information processing apparatus is provided.
Information processing system.

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