JP7062615B2 - Trading equipment, methods and programs - Google Patents

Description

The present invention relates to trading devices, methods and programs.

In recent years, with the development of communication technology, services that electronically provide usage details of various payments using electronic means such as debit cards, credit cards, and smartphones via the Internet have become widespread (for example, patent documents). See 1-5).

Japanese Unexamined Patent Publication No. 2001-351027 Special Table 2010-526371A Japanese Patent Application Laid-Open No. 2003-132207 Japanese Unexamined Patent Publication No. 2010-055320 Japanese Unexamined Patent Publication No. 2016-218835

Elderly people and minors may mistakenly purchase various products such as unnecessary daily necessities and paid services due to lack of judgment ability. Therefore, as one of the services for protecting such a person, it is conceivable to provide the payment usage details to a person other than the person. If a person other than the person such as a family member or a relative can grasp the expenditure situation, the person other than the person can grasp the lack of judgment ability of the person and can improve the security of the transaction of the person. However, if a person other than the person can grasp the expenditure situation, the privacy of the person is impaired.

Therefore, an object of the present application is to provide a technique that allows other users to grasp the expenditure of a predetermined user without impairing the privacy of the predetermined user.

In order to solve the above problems, in the present invention, when an inquiry for a usage statement of a predetermined user is received from another user, the usage statement of the predetermined user that does not meet the predetermined condition is not satisfied. I decided to limit the output of.

Specifically, the present invention is a transaction device, and when a reception unit that receives an inquiry of a payment usage statement and a reception unit receives an inquiry of a predetermined user's usage statement from a user, the predetermined use The output unit includes an output unit that outputs the usage details of the user, and the output unit receives the usage details of the predetermined user when the reception unit receives the inquiry from another user associated with the predetermined user. Of these, the output of usage details that do not meet the specified conditions is restricted.

Here, the predetermined user is a user who has made a payment, and includes, for example, an elderly person and a minor. Further, the other user is a user who can refer to the usage details of the payment made by the predetermined user. In addition, the predetermined condition is a condition for removing the restriction on the output of the details of the usage statement whose output to other users is restricted for privacy protection. For example, a product permitted by the predetermined user. The upper limit of the purchase quantity of the product can be mentioned.

With such a transaction device, by associating the other user with the predetermined user, the other user can grasp the usage details settled by the predetermined user. Therefore, it is possible for the other user to grasp the lack of judgment ability of the predetermined user and enhance the security of the transaction of the predetermined user. Further, when the other user browses the usage details of the predetermined user, the output is restricted for the usage details that do not meet the predetermined conditions, so that the privacy of the predetermined user is also protected.

The output unit may not limit the output of usage details that do not meet the predetermined conditions when the reception unit receives an inquiry from a predetermined user. With such a trading device, a predetermined user can confirm the details of his / her own usage details.

In addition, when the reception unit receives an inquiry from another user, the output unit outputs the details of the usage details corresponding to the predetermined conditions from the usage details of the predetermined user, and also outputs the details of the usage details corresponding to the predetermined conditions. It may output the summary of the usage details that do not correspond to. Here, the details of the usage details represent the usage details corresponding to the predetermined conditions from the usage details of the predetermined user for each payment, and the outline of the usage details is the outline of the usage details of the predetermined user. It may represent the total amount of usage details that do not meet the predetermined conditions from the usage details. With such a trading device, the other user can confirm the outline of the usage details that do not meet the predetermined conditions.

In addition, the usage statement includes information on the purchased product, and the standard number of product purchases is set for at least a specific product under predetermined conditions, and the reception department makes inquiries to the output unit. When received from the user of the above, the output of the usage statement regarding the product for which the number of purchases of the product does not exceed the reference number of times may be restricted from the usage details of the predetermined user. With such a trading device, the other user can grasp the purchase of the product exceeding the standard number of times, and the privacy regarding the information on the purchase of the product not exceeding the upper limit of the number of purchases can be protected.

The present invention can also be grasped from the aspect of a method or a program. For example, the present invention is a transaction method, in which a reception process for receiving an inquiry for payment usage details and a reception process for receiving an inquiry for a predetermined user's usage details are performed by the predetermined user. It has an output process that outputs usage details, and in the output process, when an inquiry is received from another user associated with a predetermined user in the reception process, the usage details of the predetermined user are received. Of these, the output of usage details that do not meet the predetermined conditions may be restricted.

With the above-mentioned trading device, method and program, other users can grasp the expenditure of the predetermined user without impairing the privacy of the predetermined user.

FIG. 1 is a configuration diagram of a payment system according to an embodiment. FIG. 2 is a diagram showing an example of a functional block realized when a computer program is executed on the payment server. FIG. 3 is a diagram showing an example of user information stored in the database. FIG. 4 is a diagram showing an example of setting information stored in the database. FIG. 5 shows a processing flow executed when payment is made in the payment system. FIG. 6 is a diagram showing a first example of a screen displayed on a user terminal. FIG. 7 is a diagram showing a second example of a screen displayed on the user terminal.

Hereinafter, embodiments will be described. The embodiments shown below are merely examples, and the technical scope of the present disclosure is not limited to the following aspects.

<System configuration>
FIG. 1 is a configuration diagram of a payment system according to an embodiment. The payment system 1 is a system including a payment server 3 (an example of a "transaction device" in the present application), a store terminal 4, and a user terminal 5 that can communicate with each other via a communication network 2. The payment server 3 is a server managed by an institution that provides a payment service using electronic means, and controls processing related to payment when a user of the institution purchases a product. The store terminal 4 is a terminal used by a business operator operating in a restaurant, a general store, a convenience store, a virtual store operating on the Internet, or other various stores, and is used for payment made at the store of the business operator. The relevant payment data is transmitted to the payment server 3. The store terminal 4 may be the checkout machine itself installed in the store, or in the case of a virtual store, it may be a server of a data center managed by an operator who operates a virtual shopping district. The user terminal 5 is an information processing device operated by a user who accesses the payment server 3, and examples thereof include various devices such as a personal computer (PC), a tablet PC, and a smartphone.

In the payment system 1, payment by a debit card, a credit card, or the like made through the store terminal 4 at each business operator's store, payment using the payment application of the smartphone 6, and information on the membership card presented by the user to the clerk are input. When a user makes a payment using various electronic means such as a payment made by a clerk inputting to the terminal, the payment data related to the payment is sent from the store terminal 4 to the payment server 3 via the communication network 2. Will be sent to. Then, the payment server 3 performs payment processing to the account of each business operator and withdrawal processing from the user's account based on the payment data sent from the store terminal 4. The payment data may be sent from a mobile terminal such as a smartphone carried by the user to the payment server 3 via a wireless communication line instead of the store terminal 4.

The communication network 2 is mainly formed of public communication lines. The communication network 2 may be either a wired or wireless communication line. The data exchanged between the store terminal 4 and the payment server 3 using the communication network 2 is encrypted in order to prevent the communication contents from being intercepted.

The payment server 3 includes a CPU, a memory, a communication interface, and an HDD (Hard Disk Drive).
It is an information processing device having storage such as SSD (Solid State Drive) and SSD (Solid State Drive). On the payment server 3, a computer program related to payment performed by using electromagnetic means and a computer program for managing a bank customer's account are executed.

The store terminal 4 is an information processing device having a CPU, a memory, a communication interface, and the like. In the store terminal 4, a process of acquiring information from a payment service medium 6 (card, smartphone, etc.) possessed by the user by executing a computer program related to payment performed using electronic means, or A process of notifying the payment server 3 of the information of the product purchased by the user together with the information of the medium 6 is realized. Although FIG. 1 shows an image of a store terminal 4 acquiring information from a medium 6 by a wireless signal, the store terminal 4 is a terminal that reads a contact-type IC card with which electrical contacts come into contact. It may be a terminal that reads information on a magnetic card, or it may be an optical terminal that reads an information surface such as a QR code (registered trademark).

FIG. 2 is a diagram showing an example of a functional block realized when a computer program is executed on the payment server 3. When the payment server 3 executes a computer program, it realizes a reception unit 31, an output unit 32, a payment unit 33, and a setting unit 34. Further, the payment server 3 is provided with a database 35.

The reception unit 31 is in charge of inquiring the usage details of payments made using the payment system 1 and receiving various settings related to products and the like purchased by the user. The output unit 32 controls a process of receiving output of usage details and the like. When the user selects payment by electronic means, the payment unit 33 acquires the information of the medium 6 through the store terminal 4 or the like, and controls the electronic payment processing related to the payment. The setting unit 34 controls the processing of the output contents of the usage details output by the output unit 32 based on the setting information and the like registered in the database 35. The database 35 stores files for managing information such as sales in stores and various setting information regarding products and the like purchased by users.

FIG. 3 is a diagram showing an example of user information stored in the database 35. The database 35 stores, for example, a user management table as shown in FIG. Information on users who use the payment system 1 is set in the user management table. More specifically, in the user management table, among the information about the user of the payment system 1, the correspondence relationship between the managed person for which the administrator is set and the administrator who manages the managed person is linked. It is attached. Examples of the managed person for whom an administrator is set include elderly people and minors who may mistakenly purchase various products such as unnecessary daily necessities and paid services due to lack of judgment ability. .. In addition, examples of the manager who manages such a managed person include a person other than the managed person himself / herself, such as a relative of the managed person such as a family member or a relative.

FIG. 4 is a diagram showing an example of setting information stored in the database 35. The database 35 stores, for example, a display hierarchy table as shown in FIG. The display hierarchy table is a table referred to by the setting unit 34 when the output unit 32 outputs the usage details regarding a predetermined user. The display hierarchy table shows the types of products purchased by the predetermined user, the number of purchases, and the reference number of times. The number of times the product is purchased is added according to the number of purchased products each time the user purchases the product. Further, in the display hierarchy table, two types of products are set. That is, in the display hierarchy table, a product type represented by a specific common name and a product type represented by an abstract category name are set. Then, in the display hierarchy table, the product type represented by a specific common name is defined by the column of the first hierarchy, and the product type represented by the abstract category name is represented by the column of the second hierarchy. It is defined. In addition, a display hierarchy is set in the display hierarchy table. The display hierarchy is information for controlling the content to be output as the usage details from the output unit 32 when the usage details are inquired. As the product name posted as a purchased item in the usage statement output by the output unit 32, the product name in the display hierarchy specified in the "display hierarchy" of the display hierarchy table is selected.

FIG. 5 shows a processing flow executed when payment is made in the payment system 1. Hereinafter, an example of the processing content realized in the payment server 3 will be described along with the processing flow shown in FIG.

When the user makes a payment through a terminal such as a store terminal 4, the payment server 3 accesses the display hierarchy table stored in the database 35. Then, the payment server 3 adds the number of purchases of the product for which the user has made a payment through a terminal such as the store terminal 4, and also refers to the determination criterion (S101). Then, the payment server 3 determines whether or not the number of purchases after the addition meets the condition of the reference number of times (S102). If the number of purchases after the addition exceeds the reference number, the payment server 3 sets the display layer of the product as the first layer (S103). Further, the payment server 3 compares the number of purchases after the addition with the reference number of times, and if the number of purchases after the addition is equal to or less than the reference number of times, the setting of the display layer of the product is set to the second layer ( S104).

The above flow described with reference to FIG. 5 may be executed when the user refers to the usage details.

FIG. 6 is a diagram showing a first example of a screen displayed on the user terminal 5. When the usage details of a specific user are inquired by another user on a terminal such as the user terminal 5 used by the user, the payment server 3 displays the user management table stored in the database 35. Refer to it and check whether the other user is associated with the specific user. The user is specified by using the identification information (user ID) that is requested to be input when accessing the payment server 3 through the user terminal 5 or the like. Then, when the payment server 3 confirms in the user management table that the specific user is the managed person and the other user is the administrator associated with the managed person, the database 35 Access the display hierarchy table stored in and refer to the display hierarchy. Then, the payment server 3 outputs the usage details of the managed person to the user terminal 5 according to the display hierarchy set in the display hierarchy table. As a result, on the user terminal 5, for example, a screen like the screen D101 shown in FIG. 6 is displayed. That is, on the screen D101 viewed by the administrator, among the usage details of the price paid by the managed person associated with the administrator, the usage details that have reached the standard number of times are displayed in detail, that is, the product. The information of the first layer which expresses the type of is a concrete common name is displayed. Further, for the usage details that have not reached the reference number of times, the restricted display, that is, the information of the second layer in which the type of the product is represented by the abstract category name is displayed.

The display contents of the screen D101 will be described in more detail. As illustrated in the display hierarchy table of FIG. 4, for "detergent", the standard number of times is set to "2", while the number of purchases is "5", and the number of purchases is the standard number of times. Since it exceeds the limit, the display hierarchy is the "first hierarchy". Therefore, even on the screen D101, it is displayed that 5000 yen was spent on the purchase of the detergent. In addition, for "toilet paper", the standard number of times is set to "2", while the number of purchases is "1", and the number of purchases is less than the standard number of times, so the display hierarchy is It is the "second level". Therefore, even on the screen D101, only "daily goods", which is the category name of the product to which the toilet paper belongs, is displayed, and the common name of the specific product is hidden. For "meat", the standard number of times is set to "20", while the number of purchases is "10", and the number of purchases is less than the standard number of times, so the display hierarchy is ". It is the second level. For "fish and shellfish", the standard number of times is set to "20", while the number of purchases is "15", and the number of purchases is less than the standard number of times, so the display hierarchy is It is the "second level". Therefore, even on the screen D101, only "food", which is the category name of the product to which meat and fish and shellfish belong, is displayed, and the common name of the specific product is hidden. The size of the box of the purchased product displayed on the screen D101 may be linked to the amount of the purchased product. If the size of the box of the purchased product displayed on the screen D101 is linked to the amount of the purchased product, it is possible to visually grasp the size of the expenditure.

FIG. 7 is a diagram showing a second example of a screen displayed on the user terminal 5. When the payment server 3 inquires about the usage details of a specific user on a terminal such as the user terminal 5 used by the user, the user uses the usage details of the specific user. Output to terminal 5. In this case, the display is not restricted as described above. Therefore, as illustrated in FIG. 7, all the usage details settled by the specific user in the payment system 1 are displayed on the screen D102 of the user's own usage details displayed on the user terminal 5 of the user. Is displayed in detail. That is, if the breakdown of the usage details is exemplified in the display hierarchy table of FIG. 4, on the screen D102, regardless of whether the number of purchases exceeds the reference number of times, the first usage details are the first. The generic name of a specific product, which is information on the hierarchy, is displayed.

In the payment system 1 of the above embodiment, by associating the administrator with the managed person, the administrator can grasp the usage details settled by the managed person in the payment system 1. Therefore, the manager can grasp the lack of judgment ability of the managed person and enhance the security of the transaction of the managed person. Further, when the administrator browses the usage details of the managed person, the privacy of the managed person is also protected because the output is restricted for the usage details that do not meet the conditions set in the display hierarchy table.

The limitation on the output of the usage statement is not limited to that of the payment server 3. The restriction on the output of the usage statement may be executed by a server separate from the payment server 3 that controls payment. A server separate from the payment server 3 that controls payment is, for example, a server that acquires and stores payment information from the payment server 3 and is exclusively responsible for generating and outputting usage details, or a server in which the user makes a payment after payment. A server of a household account book application for inputting information (including character recognition input of a camera image) can be mentioned.

Further, in the above embodiment, the function of restricting the payment of the user is not mentioned, but when the payment server 3 detects, for example, the payment of the product whose purchase count has already reached the upper limit, the payment unit 33 concerned. The payment may be canceled, or a notification requesting approval may be given to the administrator associated with the user management table.

Further, in the above embodiment, the reference number of times is set in advance in the display hierarchy table, but the reference number of times of the display hierarchy table may be individually set by the administrator, for example, through the user terminal 5. , It may be set uniformly for all users instead of individual settings for each user, it may be set based on the purchase frequency in the past payment history of each user, or it may be set based on the purchase frequency of each user. It may be set according to the age, gender, residential area, etc.

Furthermore, when the administrator sets the standard number of times for the display hierarchy table, the standard number of times set by the administrator is lower than the standard number of times set according to the age, gender, residential area, etc. of the user. Etc. may require the approval of the user.

Further, the reference number of times of the display hierarchy table may be dynamically changed according to the state of the user. For example, the reference number of times of the display hierarchy table fluctuates in conjunction with an event in which the managed person's judgment ability is suspected to be deteriorated, specifically, an event in which the managed person erroneously inputs a password or loses a passbook. You may.

Further, in the above embodiment, the initialization of the number of purchases recorded in the display hierarchy table is not mentioned, but the number of purchases recorded in the display hierarchy table is, for example, weekly, monthly, or 1 It may be initialized regularly, such as annually.

Further, in the above embodiment, the standard number of times of purchasing a product is set for at least a specific product in a predetermined condition, and it is determined whether or not the number of purchases exceeds the standard number of times to limit the output of the usage statement. Alternatively, although it is supposed to be unrestricted, it may be restricted or unrestricted depending on whether or not it matches a specific purchase pattern. For example, if you obtain information that a specific product is being sold to the elderly in a specific area, you can set the specific product, purchase period, and purchase location to the specified conditions based on the information. Since transactions that match the above are displayed on the usage statement, the administrator can take actions to quickly detect the occurrence of damage and prevent the spread of damage.

Further, in the above embodiment, only two layers are set in the display hierarchy table, but three or more layers may be set.

1 ・ ・ Payment system 2 ・ ・ Communication network 3 ・ ・ Payment server 4 ・ ・ Store terminal 5 ・ ・ User terminal 6 ・ ・ Media 31 ・ ・ Reception unit 32 ・ ・ Output unit 33 ・ ・ Payment unit 34 ・ ・ Setting unit 35 ... Database

Claims (6)

The reception department that accepts inquiries about payment usage details,
When the reception unit receives an inquiry of the usage details of a predetermined user from the user, the reception unit includes an output unit that outputs the usage details of the predetermined user.
When the reception unit receives the inquiry from another user associated with the predetermined user, the output unit does not meet the predetermined conditions in the usage details of the predetermined user. Limit the output of details ,
When the reception unit receives the inquiry from the other user, the output unit outputs the details of the usage details corresponding to the predetermined conditions from the usage details of the predetermined user. , Output a summary of usage details that do not meet the above-mentioned predetermined conditions,
Trading equipment. The output unit does not limit the output of usage details that do not meet the predetermined conditions when the reception unit receives the inquiry from the predetermined user.
The trading device according to claim 1. The details of the usage details represent the usage details corresponding to the predetermined conditions from the usage details of the predetermined user for each payment.
The outline of the usage details represents the total amount of usage details that do not meet the predetermined conditions from the usage details of the predetermined user.
The trading device according to claim 1 or 2 . The usage statement contains information on the purchased product.
In the predetermined conditions, the standard number of times for purchasing a product is set for at least a specific product.
When the reception unit receives the inquiry from the other user, the output unit uses the product for which the number of purchases of the product does not exceed the reference number of times from the usage details of the predetermined user. Limit the output of details,
The trading apparatus according to any one of claims 1 to 3 . The reception process that accepts inquiries about payment usage details,
In the reception process, when an inquiry for a usage statement of a predetermined user is received from a user, the reception process has an output step of outputting the usage statement of the predetermined user.
In the output process, when the inquiry is received from another user associated with the predetermined user in the reception process, the usage of the usage details of the predetermined user does not correspond to the predetermined condition. Limit the output of details ,
In the output step, when the inquiry is received from the other user in the reception process, the details of the usage details corresponding to the predetermined conditions are output from the usage details of the predetermined user. , Output the summary of usage details that do not meet the above-mentioned predetermined conditions,
Transaction system. The reception process that accepts inquiries about payment usage details,
In the reception process, when the inquiry of the usage details of the predetermined user is received from the user, the computer is made to execute the output process of outputting the usage details of the predetermined user.
In the output process, when the inquiry is received from another user associated with the predetermined user in the reception process, the usage of the usage details of the predetermined user does not correspond to the predetermined condition. Limit the output of details ,
In the output step, when the inquiry is received from the other user in the reception process, the details of the usage details corresponding to the predetermined conditions are output from the usage details of the predetermined user. , Output the summary of usage details that do not meet the above-mentioned predetermined conditions,
Trading program.

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