JP7274035B1 - Information processing device, information processing method, and program - Google Patents

Abstract

An object of the present invention is to improve convenience for users of electronic payment services. A first user terminal device of a first user who uses an electronic payment service sets a limit of money that can be used for payment of the electronic payment service during a predetermined period to one or more using the electronic payment service. an interface unit that receives a specification to grant to the second user's electronic payment service account; and a payment processing unit that provides the amount frame to the electronic payment service account based on the received specification, The payment processing unit, when the amount limit is granted to the electronic payment service account, allows the use of an amount corresponding to the amount limit among the available limits in the electronic payment service of the first user terminal device. Information processing device that limits. [Selection drawing] Fig. 4

Description

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

Conventionally, a technique for implementing electronic money remittance between individuals is known. For example, Patent Literature 1 discloses a technology that enables a recipient user to receive money by using a service different from the settlement service selected by the sender when sending and receiving money between individuals. .

Japanese Patent Application Laid-Open No. 2021-117550

However, the conventional technology does not set a temporary shared amount limit within the framework of the same electronic payment service. There is For this reason, convenience for users of electronic payment services may not be sufficient.

SUMMARY OF THE INVENTION The present invention has been made in consideration of such circumstances, and an object of the present invention is to provide an information processing apparatus, an information processing method, and a program that can improve convenience for users of electronic payment services. be one of

According to one aspect of the present invention, a first user terminal device of a first user who uses an electronic payment service sets an amount frame that can be used for payment of the electronic payment service during a predetermined period. a settlement processing unit that grants the amount limit to the electronic payment service account based on the received designation; and wherein, when the amount limit is granted to the electronic payment service account, the payment processing unit determines an amount corresponding to the amount limit among the available limits in the electronic payment service of the first user terminal device. Information processing device that restricts the use of

According to one aspect of the present invention, it is possible to improve convenience for users of electronic payment services.

1 is a diagram showing an example of a configuration for realizing an electronic payment service; FIG. FIG. 2 is a sequence diagram (part 1) illustrating a rough flow of electronic payment; FIG. 2 is a sequence diagram (part 2) exemplifying a rough flow of electronic payment; 1 is a configuration diagram of a settlement server 100 according to a first embodiment; FIG. 4 is a diagram showing an example of contents of user information 172. FIG. FIG. 4 is a sequence diagram illustrating a rough flow of electronic payment using a shared wallet; FIG. 10 is a diagram showing an example of a payment screen displayed on the first user terminal device 10A and the second user terminal device 10B in which the shared wallet is set; 4 is a diagram showing an example of the contents of shared wallet setting information 176. FIG. 4 is a diagram showing an example of the contents of shared wallet history information 178. FIG. FIG. 4 is a diagram showing an example of shared wallet payment history information displayed on the first user terminal device 10A. FIG. 4 is a diagram showing an example of detailed information on shared wallet settlement notified to the first user terminal device 10A. FIG. 10 is a diagram showing an example of a usage restriction release notification that is inquired by the first user terminal device 10A; FIG. 10 is a diagram showing an example of a setting information change notification to be inquired by the first user terminal device 10A; FIG. 10 is a diagram showing an example of a screen displayed on the second user terminal device 10B when there is an insufficient amount of money for shared wallet settlement. FIG. 10 is a diagram showing an example of a screen displayed on the second user terminal device 10B to request charging of the balance amount of the shared wallet.

Hereinafter, embodiments of an information processing apparatus, an information processing method, and a program according to the present invention will be described with reference to the drawings. An application program installed in a user terminal device, which will be described later, cooperates with a payment server to provide an electronic payment service. In the following description, the application program will be called a payment application. An electronic payment service is a service that supports payment related to purchase of goods and services at a store. The store is, for example, a physical store (actual store) that exists in the real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities other than the operator of the electronic payment service. In that case, the screen is controlled to transition to the interface screen of the electronic payment service at the time of payment for shopping at the virtual store. In the electronic payment service, a store is treated as belonging to, for example, a member store (brand), and processing such as settlement when a purchase is made at the store is mainly performed between the user and the member store. Alternatively, processing such as payment may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 communicates with, for example, one or more user terminal devices 10, one or more first shop terminal devices 50, and one or more second shop terminal devices 70 via the network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed in the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like. In this embodiment, one or more user terminal devices 10 are a first user terminal device 10A owned by a first user (for example, a parent) of the electronic payment service and a second user of the electronic payment service (for example, , and the second user terminal device 10B held by the child).

The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store and is a code image such as a QR code (registered trademark) printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed in the store (a display of a terminal device such as a smart phone may be used).

The second store terminal device 70 is used by the member store operator. The second store terminal device 70 is a smart phone, a tablet terminal, a personal computer, or the like. A member store interface 72 operates on the second store terminal device 70 . The merchant interface 72 may be a merchant application or a browser. The member store interface 72 accepts coupon settings and the like from the member store operator and transmits them to the settlement server 100 . The second store terminal device 70, which is a smartphone, has a function of displaying a code image corresponding to the store code image and reading a code image displayed by the user terminal device 10 by executing an application for member stores. have.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first shop terminal device 50 . The first store terminal device 50 may include a POS device and a member store server. In this case, payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following explanation, it is assumed that the payment information is transmitted from the first store terminal device 50 without distinguishing between them.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the shop code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. The store URL is a domain of the electronic payment service to which information that can identify the store is added, and is associated with the member store ID, the store ID, and the like in the settlement server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 retrieves store information (described later) from the member store ID and store ID corresponding to the store URL, acquires the member store name and store name information (S3), and transmits them to the settlement application 20 (S4). . The user inputs the settlement amount into the user terminal device 10 on the screen displaying the member store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits the second payment information to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). When the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also the payment amount information. In this case, the procedure for the user to input the settlement amount is omitted, and the information of the settlement amount is included in the first settlement information and transmitted to the settlement server 100 . Information on the name of the member store and the name of the store may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is activated, when a payment operation is performed in the payment application 20, and when the automatic update timing (for example, every minute) comes. , and at other timings, the payment application 20 transmits a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or barcode generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image by the optical reading function and acquires the one-time code and the like. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, member store ID, store ID, etc., and transmits the payment information to the payment server 100 (S16). The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information, and performs electronic payment (S17). The payment server 100 then transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

It should be noted that electronic payment may be performed using only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information. Alternatively, the issuance of the one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the settlement server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Settlement server]
FIG. 4 is a configuration diagram of the settlement server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, an interface unit 120, a payment content providing unit 130, and a payment processing unit 140. Components other than communication unit 110 and storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, shared wallet setting information 176, shared wallet history information 178, and the like.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card. The interface unit 120 controls the communication unit 110 to exchange information among the user terminal device 10 , the first store terminal device 50 and the second store terminal device 70 .

The payment content providing unit 130 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service. The payment content providing unit 130 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 .

The payment processing unit 140 performs payment processing based on the payment information transmitted from the user terminal device 10 or the first store terminal device 50 . The payment processing unit 140 performs payment processing while referring to the user information 172 and shared wallet setting information 176, which will be described later.

FIG. 5 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 is an example of user registration information. User information 172 includes, for example, user URL, account ID, phone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment Information such as usage amount, postpaid available amount, settlement method setting, bank account, credit card number, charge history information, settlement history information, etc. are associated with each other. The user URL is used for remittance processing between users. When registering for the electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the settlement server 100, and the user ID is an ID that can be set arbitrarily by the user (does not need to be set). Likewise, the e-mail address, name, address, and date of birth are information that can be arbitrarily set by the user (they do not have to be set). The registration date is the date when the user registers for the electronic payment service (the date when the account is created). Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account.

The charge balance is information indicating the balance of electronic money set by the user transferring money to the account in advance. Methods of remittance include remittance from an ATM (Automatic Teller Machine) of a designated trader (bank), remittance from a registered bank account, and the like. The deferred payment setting is information indicating whether or not the setting for enabling electronic settlement by deferred payment has been completed, and is set to either "done" or "not completed". The deferred payment limit is the maximum amount of deferred payment that can be used each month, the amount of deferred payment is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is calculated by subtracting the amount of deferred payment from the deferred payment limit. , is the amount of deferred payment available in the current month. Although only one deferred payment frame is shown in the figure, there are actually more daily upper limits and the like, and the lower one of them may be set as the deferred payment frame. The payment method setting is setting information indicating whether the user performs electronic payment using the charge balance at that time, payment by deferred payment, or electronic payment using a shared wallet. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can deposit money into the electronic payment service. The charge history information is a history of the user's advance remittance to the electronic payment service to increase the charge balance. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, payment method, etc.) for each payment. Shared wallet setting information 176 and shared wallet history information 178 will be described later.

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first shop terminal device 50, the payment processing unit 140 refers to the user information 172 and acquires the user's "settlement method setting." The payment processing unit 140 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 140 performs electronic payment, for example, by decreasing the charge balance managed in association with the user ID and increasing the item value of the sales proceeds of the member store. For example, the item value of the sales proceeds of the member store is not used as electronic money per se, but the amount corresponding to the item value of the sales proceeds is calculated in a cycle according to the agreement between the member store and the electronic payment service. transferred to a bank account.

The payment processing unit 140 performs electronic payment as follows for a user whose "payment method setting" is set to "pay later". Deferred payment is set separately from "credit payment" in collaboration with a credit card company that is a separate entity from the operator of the electronic payment service, and is set up separately from the operator of the electronic payment service or a subsidiary of the operator. A person concerned becomes a creditor and allows electronic settlement within a deferred payment limit (credit limit) that does not depend on the charge balance. In order to receive the deferred payment service, it may be necessary to obtain a credit card provided by the operator of the electronic payment service. The amount used for the deferred payment is collected for one month and settled on the next month's payment date, for example, by debiting from a bank account. In this case, the settlement processing unit 140 performs provisional settlement by adding the settlement amount to the deferred payment usage amount and subtracting the same amount from the deferred payment available amount. process to withdraw to If the settlement amount exceeds the postpaid available amount at the time of provisional settlement, an error notification is sent back to the settlement application 20 .

The payment processing unit 140 performs electronic payment as follows for a user whose "payment method setting" is set to "shared wallet". Shared wallet means that the first user of the electronic payment service transfers the amount of money that can be used during a predetermined period (for example, one month) to the second user of the electronic payment service according to a predetermined schedule (for example, the 27th day of each month). means a payment method that enables electronic payment by the second user by remittance (sharing) to In this case, the "usable amount limit" may be the charge balance described above, or may be a deferred payment limit. In this embodiment, for convenience of explanation, it is assumed that the "available amount limit" is the charge balance, but the following description is similarly applied when the "available amount limit" is the deferred payment limit. be.

FIG. 6 is a sequence diagram illustrating a rough flow of electronic payment using a shared wallet. First, the first user uses the first user terminal device 10A to set up a shared wallet for remittance to the second user of the electronic payment service according to a predetermined schedule for the amount of money that can be used during a predetermined period. (S21). When the first user sets the shared wallet, the settlement server 100 locks (prohibits) use of the amount corresponding to the set remittance amount out of the charge balance of the first user terminal device 10A (S22). ). At the same time, the settlement server 100 permits the second user terminal device 10B to use the shared wallet for the amount corresponding to the set remittance amount (S23).

Next, using the second user terminal device 10B, the second user selects the use of the shared wallet on the payment screen, and sends the notification to the effect that the electronic payment will be executed together with the payment amount to the first user terminal device 10B. It is transmitted to the device 10A (in this case, the notification may be via the settlement server 100) (S24). In response, the first user terminal device 10A remits an amount corresponding to the settlement amount to the second user terminal device 10B (S25). Upon receiving the remittance, the second user terminal device 10B adds the remittance amount to the charge balance and settles the charge balance (S26). When the electronic payment using the shared wallet is completed, the payment server 100 subtracts the payment amount from the charge balance of the locked first user terminal device 10A (S27). This completes the electronic payment using the shared wallet.

Note that the notification transmitted from the second user terminal device 10B to the first user terminal device 10A in the above S24 may be a notification as internal processing in each terminal, or may be a notification as internal processing in each terminal. It may be displayed on the screen of the one-user terminal device 10A and confirmed by the first user. When the notification is displayed on the screen of the first user terminal device 10A, in response to approval by the first user (for example, pressing the approval button on the first user terminal device 10A), S25 onwards Processing may be performed.

Furthermore, the remittance process in S25 may be omitted, and the first user terminal device 10A that has received the notification in S24 charges the locked first user terminal device 10A for the amount corresponding to the settlement amount. The shared wallet settlement may be completed by subtracting the amount directly from the balance (in other words, the first user terminal device 10A itself settles the charge balance).

Furthermore, the process of subtracting the settlement amount from the charge balance of the locked first user terminal device 10A in S27 may be executed between S24 and S25, or may be executed simultaneously with S25. Alternatively, it may be executed between S25 and S26. In other words, in these cases, after the settlement amount is first subtracted from the charge balance of the first user terminal device 10A, it is transferred to the second user terminal device 10B, and the remitted second user terminal device 10B The settlement amount is subtracted from the charge balance.

FIG. 7 is a diagram showing an example of a payment screen displayed on the first user terminal device 10A and the second user terminal device 10B in which the shared wallet is set. In FIG. 7, a shared wallet is set with the first user terminal device 10A as the remittance source and the second user terminal device 10B as the remittee destination. It represents the situation where you have chosen to use the In FIG. 7, symbol A1 represents a payment amount input form, symbol A2 represents a payment method selection form, and symbol B1 represents a payment button. That is, when the second user presses the payment button B1 on the screen shown in the right part of FIG. 7, in S24 of FIG. is sent to the first user terminal device 10A together with the settlement amount.

As shown in the left part of FIG. 7, the payment screen of the first user terminal device 10A displays the amount equivalent to the amount set in the shared wallet (3,000 yen in FIG. 7) out of the charge balance (14,000 yen in FIG. 7). is locked. That is, in this case, the first user can use the first user terminal device 10A to execute charge balance settlement corresponding to the amount obtained by subtracting the set amount from the charge balance (11000 yen in FIG. 7). . With such a configuration, the first user can accurately grasp the amount of money that can be used for settlement of his own charge balance, and by locking part of the charge balance, the second user can use the shared wallet. It is possible to prevent payment failure.

On the other hand, as shown in the right part of FIG. 7, the shared wallet is displayed as a payment method selection form on the payment screen of the second user terminal device 10B. The second user can execute electronic payment using the shared wallet by selecting the shared wallet, entering the payment amount in the input form A1, and pressing the payment button B1. When the electronic payment using the shared wallet is completed, the amount equivalent to the payment amount is subtracted from the charge balance of the first user terminal device 10A, and the locked amount is similarly subtracted from the charge balance. For example, in the situation shown in FIG. 7, the settlement amount of 500 yen is subtracted from the charge balance of 14,000 yen and the locked amount of 3,000 yen of the first user terminal device 10A, resulting in a charged balance of 13,500 yen and a locked amount of 2,500 yen. Furthermore, the usable amount of the shared wallet by the second user terminal device 10B also becomes 2,500 yen by subtracting the settlement amount of 500 yen from 3,000 yen.

[Store shared wallet information]
The storage unit 170 stores shared wallet setting information 176, which is information about the settings of the shared wallet, and shared wallet history information 178, which is information about the history of electronic payments using the shared wallet, as information about the shared wallet. FIG. 8 is a diagram showing an example of the contents of the shared wallet setting information 176. As shown in FIG. The shared wallet setting information 176 includes, for example, setting date, remittance source, remittance destination, remittance amount, balance amount, settlement limit amount, remittance schedule, available period, usage Information such as available time, type of store that can be used, history viewing authority, surplus balance setting, etc., is associated.

The setting date is information representing the date when the shared wallet was set by the first user terminal device 10A. The setup date may also include, for example, time information when the shared wallet was setup. The remittance source is the identification information (for example, account ID) of the first user terminal device 10A that remittance by the shared wallet. The remittance destination is identification information (for example, account ID) of the second user terminal device 10B that receives remittance by the shared wallet. The remittance amount is information representing the amount of money to be sent from the remittance source to the remittance destination. As for the remittance amount, the first user inputs an arbitrary value when setting up the shared wallet on the first user terminal device 10A, and the interface unit 120 accepts it. The balance amount is information representing the amount obtained by subtracting the amount actually paid by the second user for shared wallet settlement from the remittance amount. The payment upper limit amount is information representing the upper limit of the payment amount that can be withdrawn in one shared wallet payment. The first user enters an arbitrary value for the settlement upper limit amount when setting up the shared wallet on the first user terminal device 10A, and the interface unit 120 accepts it. For example, if the first user is a parent and the second user is a child who is a minor, the first user sets the upper limit of the settlement amount so that the second user has a healthy sense of money. can feed

The remittance schedule is information representing the timing of remittance from the remittance source to the remittance destination. As for the remittance schedule, the first user inputs an arbitrary schedule (monthly, weekly, every few days, etc.) when setting up the shared wallet on the first user terminal device 10A, and the interface unit 120 accepts it. It is. At this time, for example, a default schedule such as the 27th of every month may be set. The available period is information representing the period during which electronic payment can be made using the shared wallet using the remitted amount. The available period is usually set to a period corresponding to the remittance schedule (for example, one month if the remittance schedule is monthly), but the first user uses the shared wallet on the first user terminal device 10A. An arbitrary period (for example, two weeks even if the remittance schedule is monthly) may be set at the time of setting.

The available time is information representing the time period during which electronic payment using the shared wallet can be used. The usable time is an arbitrary time slot that the first user inputs when setting up the shared wallet on the first user terminal device 10A, and the interface section 120 accepts it. The type of store that can be used is information representing the type of store that can use electronic payment using the shared wallet. The business type of available store is selected by the first user when setting up the shared wallet on the first user terminal device 10A, and the interface section 120 accepts it. Alternatively, or in addition to this, it may be possible to select prohibited store types that prohibit the use of electronic payment by shared wallets. Also, for example, it may be possible to directly specify the available store or the prohibited store. For example, if the first user is a parent and the second user is a child who is a minor, the first user restricts the stores where shared wallet payments can be used so that the second user You can develop a sound sense of money.

The history viewing authority represents information items that can be viewed by the first user who is the remitter among the information items of the settlement history information stored in the shared wallet history information 178 . For example, if the history viewing authority is set to the settlement amount and settlement time, the first user can view the settlement amount and settlement time in the history information of the shared wallet settlement by the second user ( On the other hand, browsing of payment stores is prohibited). The history viewing authority may be set by the first user or the second user when setting the shared wallet on the first user terminal device 10A. It may be something that can be set based on the agreement of the user. Also, for example, the history viewing authority is not limited to setting only information items that can be viewed, and may be able to set conditions for enabling viewing of information items. For example, the first user may be allowed to browse the history of electronic payments only for electronic payments whose payment amount is equal to or greater than a predetermined amount (eg, 1000 yen). In this way, by setting the history viewing authority for the first user, the first user can grasp and supervise the usage status of the shared wallet payment by the second user.

The surplus balance setting is information representing a method for processing the surplus usable amount (balance amount) when the usable period of the shared wallet ends. Surplus balance setting is a process in which the first user selects a processing method when setting up a shared wallet on the first user terminal device 10A, and the interface unit 120 accepts it. For example, if the surplus balance setting is set to "charge to sender", the lock amount is released while the charge balance of the first user remains unchanged (i.e., the first user adds the entire charge balance to the charge balance). available for payment). On the other hand, when the surplus balance setting is set to "Charge source", the amount corresponding to the lock amount is remitted from the first user's charge balance to the second user terminal device 10B, and the second user It is added to the charge balance of the terminal device 10B. In that case, the second user terminal device 10B can use the added charge balance for electronic settlement by normal charge balance settlement. Also, for example, surplus balance setting is not limited to the two patterns of "charging to the remittance source" and "charging to the remittance destination", and more detailed conditions may be set. For example, only when the balance amount is equal to or less than (or greater than) a predetermined amount, "charge to the remittance source" or "charge to the remittance destination" may be performed.

Each item of the shared wallet setting information 176 may be set by the second user on the second user terminal device 10B, or may be set by agreement between the first user and the second user. (for example, by the second user pressing the permission button on the second user terminal device 10B for the content set by the first user on the first user terminal device 10A) It may be

FIG. 9 is a diagram showing an example of the contents of the shared wallet history information 178. As shown in FIG. In the shared wallet history information 178, for example, information such as shared wallet ID, user (account ID), payment amount, and payment store are associated with payment date and time. When the electronic payment using the shared wallet by the second user terminal device 10B is completed, the payment processing unit 140 associates the payment date and time, the payment amount, the payment store, and other information with the account ID, and stores them in chronological order. to the shared wallet history information 178.

[Various functions related to shared wallet settlement]
Various functions related to shared wallet settlement will be described below with reference to FIGS. 10 to 15 . First, as one of its functions, the interface unit 120 displays the history of shared wallet settlement according to the remitter's history viewing authority based on the history viewing authority set in the shared wallet setting information 176 and the shared wallet history information 178. Information may be displayed on the first user terminal device 10A.

FIG. 10 is a diagram showing an example of shared wallet payment history information displayed on the first user terminal device 10A. As shown in the left part of FIG. 10, for example, the payment application 20A has a button B2 for displaying the electronic payment history by the first user himself, and a button B2 for displaying the electronic payment history by the first user himself, and A button B3 for displaying the history of shared wallet settlement is displayed. When the first user clicks button B3 in the state shown in the left part of FIG. The shared wallet history information 178 corresponding to the history viewing authority set is displayed on the first user terminal device 10A. For example, in the case of the history viewing authority set in the first line of the shared wallet setting information 176, the first user has viewing authority for the payment amount and payment time, but does not have viewing authority for the store name. Therefore, the interface unit 120 displays payment history information including only the payment amount and payment time on the first user terminal device 10A.

In FIG. 10, as an example, the first user selects the first user's own payment history information and the second user's shared wallet payment history information on the first user terminal device 10A. Although an example of selecting one and viewing is described, the invention is not limited to such a configuration. For example, the payment application 20A displays both the first user's payment history information and the second user's shared wallet payment history information, and performs filtering according to the first user's selection. Only one of the history information may be displayed. In this case, in addition to displaying only one of the history information, filtering may be performed by displaying both history information and filtering by items such as payment amount, date and time, store type, etc. good.

Furthermore, as another function, the interface unit 120 may notify the first user terminal device 10A of detailed information of the payment when the payment processing unit 140 has processed the second user's shared wallet payment. . In this case, the interface unit 120 may send a push notification to the first user terminal device 10A, or display detailed information on the top page of the payment application 20A.

FIG. 11 is a diagram showing an example of detailed information on shared wallet settlement notified to the first user terminal device 10A. As shown in FIG. 11, when the shared wallet payment of the second user is processed by the payment processing unit 140, the interface unit 120 sends detailed information such as the payment amount, store name, date and time of the shared wallet payment to the first user. Notify the terminal device 10A. At this time, the interface unit 120 refers to the shared wallet setting information 176, acquires the history viewing authority of the first user, and notifies the first user terminal device 10A of only the information items for which the history viewing authority has been set. may For example, in the case of the example shown in FIG. 11, the first user does not have the authority to view the shop name, so the interface unit 120 does not notify the first user terminal device 10A of the shop name, and Information only.

Furthermore, as another function, the interface unit 120 can be used when the second user attempts to execute a shared wallet payment that violates the usage restrictions set in the shared wallet setting information 176, or if the shared wallet payment violates the usage restrictions. When a request for execution is made, an inquiry may be made to the first user terminal device 10A, and in response to receiving permission from the first user, the use restriction may be lifted at least temporarily.

FIG. 12 is a diagram showing an example of a usage restriction release notification inquired by the first user terminal device 10A. As shown in FIG. 12, for example, when the second user attempts to execute a shared wallet payment that exceeds the maximum payment amount set in the shared wallet setting information 176, the interface unit 120 prompts the first user terminal device 10A is asked whether or not execution of the shared wallet settlement is permitted. For example, when the first user presses the allow button B4, the payment processing unit 140 processes the shared wallet payment by the second user. does not process shared wallet payments by second users. As a result, it is possible to supervise the appropriate use of the shared wallet by the second user, and for example, when illegal settlement is executed due to the theft of the second user terminal device 10B, etc. , can detect and prevent the execution of such payments.

Note that FIG. 12 shows a case where a shared wallet settlement exceeding the settlement upper limit amount set in the shared wallet setting information 176 is executed. When a shared wallet payment that violates the restrictions is executed, the interface unit 120 may inquire of the first user terminal device 10A whether or not to permit execution of the shared wallet payment. For example, when the second user attempts to execute shared wallet settlement outside of the available hours set in the shared wallet setting information 176 or outside of the available store category (or available store), the interface unit 120 It is also possible to inquire of the user terminal device 10A whether or not execution of the shared wallet settlement is permitted.

Furthermore, in FIG. 12, as an example, an example is described in which an inquiry is made when the second user executes shared wallet settlement that violates usage restrictions, but the present invention is not limited to such a configuration. For example, the second user inputs request information on the payment application 20B requesting temporary permission for shared wallet payment that violates usage restrictions even during normal times when no payment is made. The terminal device 10B may transmit the input request information to the first user terminal device 10A. After that, when the first user confirms the received request information on the first user terminal device 10A and gives permission, the settlement processing unit 140 temporarily stores the shared wallet of the second user terminal device 10B. Allow payment. In that case, the period and amount for which shared wallet settlement is permitted may be specified by the second user as request information, or the first user who receives the request may It may be something that can be specified above.

Furthermore, as another function, the interface unit 120 provides the second user terminal device 10B with an interface screen for changing the contents of the shared wallet setting information 176, accepts input by the second user, If the user permits the change, the shared wallet setting information 176 may be changed.

FIG. 13 is a diagram showing an example of a setting information change notification sent to the first user terminal device 10A. As shown in FIG. 13, for example, when the second user attempts to change the available time set in the shared wallet setting information 176, the interface unit 120 informs the first user terminal device 10A of the available time. Inquires whether or not to allow the time change. For example, when the first user presses the allow button B6, the interface unit 120 accepts the change in available time and updates the shared wallet setting information 176. The interface unit 120 does not update the shared wallet setting information 176 in response to changes in available time. This allows supervision of proper shared wallet usage by the second user.

Although FIG. 13 shows a case of accepting a change in the available time set in the shared wallet setting information 176, more generally, the interface unit 120 changes the settings set in the shared wallet setting information 176. changes may be accepted. For example, when the second user attempts to change the maximum settlement amount or the type of store (or store) that can be used set in the shared wallet setting information 176, the interface unit 120 prompts the first user terminal device 10A to , may inquire whether or not to allow the change.

In addition, as another function, the payment processing unit 140, when the balance amount of the shared wallet payment is less than the threshold and there is an insufficient amount in the shared wallet payment using the balance amount, the amount corresponding to the insufficient amount, The shared wallet payment may be completed by withdrawing from the charge balance of the first user terminal device 10A. As a result, even if there is a fraction in the balance amount of the shared wallet settlement, the second user can use the transferred remittance amount without waste.

FIG. 14 is a diagram showing an example of a screen displayed on the second user terminal device 10B when there is a shortage of money in shared wallet settlement. As shown in FIG. 14, for example, when the balance amount of the shared wallet payment is less than the threshold value (for example, 500 yen), the interface unit 120 sends the second user terminal device 10B a shared wallet equivalent to the amount up to the threshold value. Display information to the effect that wallet settlement is possible. If the second user inputs, for example, a payment amount of 500 yen based on this information and presses the payment button B1, the payment processing unit 140 withdraws the balance amount of 240 yen from the shared wallet, and 500 yen-240 yen=260 yen is withdrawn (compensated) from the charge balance of the first user terminal device 10A to complete the shared wallet payment.

The first user may be able to set whether or not to perform the compensation process and the threshold value on the first user terminal device 10A. In that case, the interface unit 120 stores the set execution/non-execution of compensation processing and the threshold value in the shared wallet setting information 176, and refers to the shared wallet setting information 176 at the time of payment by the second user terminal device 10B. , a process is executed according to whether or not to execute the set compensation process and the value of the threshold.

Furthermore, as another function, the interface unit 120 displays an interface screen for requesting the first user terminal device 10A to charge the balance amount to the second user terminal when the balance amount of the shared wallet is less than the threshold value. may be provided to device 10B. As a result, it is possible to improve convenience for the user even when it becomes necessary to purchase goods or services that cannot be settled with regular remittance amounts.

FIG. 15 is a diagram showing an example of a screen displayed on the second user terminal device 10B to request charging of the balance of the shared wallet. As shown in FIG. 15, for example, when the balance amount of the shared wallet payment is less than the threshold value (for example, 500 yen), the interface unit 120 requests the first user terminal device 10A to charge the balance amount. The request button B8 is displayed on the second user terminal device 10B. At this time, the second user presses the request button B8 to input the requested amount, and the second user terminal device 10B transmits the input requested amount to the first user terminal device 10A. The first user confirms the requested amount of money on the first user terminal device 10A, and if permission is given, an amount corresponding to the requested amount is shared from the charge balance of the first user terminal device 10A. It will be added to your wallet balance. Although FIG. 15 shows a case where a charge of the balance amount is requested on the settlement screen of the second user terminal device 10B, the present invention is not limited to such a configuration. When the balance amount becomes less than the threshold, the interface unit 120 sends a push notification to the first user terminal device 10A or the second user terminal device 10B, and issues a charge request for the balance amount from one of the terminal devices. good too.

In the above embodiment, for convenience of explanation, the interface unit 120 and the payment processing unit 140 mainly execute processing related to shared wallet payment. Alternatively, the functions of the interface unit 120 and the payment processing unit 140 may be implemented in the payment application 20 as appropriate.

According to the present embodiment described above, the first user terminal device of the first user who uses the electronic payment service sets the amount of money that can be used for payment of the electronic payment service during a predetermined period according to a predetermined schedule. receive a designation to grant to the second user terminal device of one or more second users who use the electronic payment service according to the above, and grant a monetary amount frame to the second user terminal device based on the received designation; When the money amount frame is given to the second user terminal device, use of the amount corresponding to the money amount frame is restricted among the usable limits in the electronic settlement service of the first user terminal device. This makes it possible to improve convenience for users of the electronic payment service.

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 User terminal device 20 Payment application 50 First store terminal device 70 Second store terminal device 100 Settlement server 110 Communication unit 120 Interface unit 130 Settlement content providing unit 140 Settlement processing unit 170 Storage unit

Claims (17)

One or more second uses using the electronic payment service, from the first user terminal device of the first user who uses the electronic payment service, the amount frame that can be used for payment of the electronic payment service during a predetermined period. an interface unit that accepts a designation to be granted to a person's electronic payment service account;
a payment processing unit that assigns the amount limit to the electronic payment service account based on the received designation;
When the amount limit is granted to the electronic payment service account, the payment processing unit allows the use of an amount corresponding to the amount amount among the available limits in the electronic payment service of the first user terminal device. Restrict,
Information processing equipment. When electronic payment using the amount limit is executed by the second user terminal device linked to the electronic payment service account, the payment processing unit selects the electronic payment from the available limit subject to the use restriction. Subtract the settlement amount for
The information processing device according to claim 1 . When electronic payment using the amount limit is executed by the second user terminal device linked to the electronic payment service account, the payment processing unit converts the available limit subject to the usage restriction to the electronic payment. by subtracting the payment amount, adding the subtracted payment amount to the usage limit of the electronic payment service of the second user terminal device, and subtracting the payment amount from the added usage limit completing the electronic payment;
The information processing device according to claim 1 . The amount limit that can be used during a predetermined period for settlement of the electronic payment service is an amount limit that uses the balance of electronic money that can be used for electronic payment in the electronic payment service.
The information processing device according to claim 1 . The amount limit that can be used during a predetermined period for settlement of the electronic payment service is an amount limit that uses the credit limit for deferred payment settlement in the electronic payment service.
The information processing device according to claim 1 . the interface unit accepts a designation to grant the amount limit to the electronic payment service account according to a predetermined schedule;
The information processing device according to claim 1 . The payment processing unit causes a storage unit to store a history of electronic payment using the amount frame by the second user terminal device linked to the electronic payment service account,
The interface unit enables the first user terminal device to view part or all of the history on the first user terminal device,
The information processing device according to claim 1 . The history includes at least one of the settlement date and time of electronic settlement using the amount frame, the settlement store, the type of settlement store, and the settlement amount.
The information processing apparatus according to claim 7. When receiving the designation, the interface unit sets the range of the history that can be browsed by the first user terminal device based on the setting by the first user terminal device.
The information processing apparatus according to claim 7. The interface unit further receives from the first user terminal device, together with the money amount frame, a specification related to restrictions on the use of electronic payment using the money amount frame,
The payment processing unit imposes the usage restrictions and causes the second user terminal device associated with the electronic payment service account to execute electronic payment using the amount limit.
The information processing device according to claim 1 . The usage restrictions include at least one of the available date and time of electronic payment using the amount limit, the available store, the business type of the available store, and the available amount.
The information processing apparatus according to claim 10. The interface unit further receives a request from the second user terminal device to at least temporarily release the usage restriction,
The payment processing unit at least temporarily cancels the usage restriction in response to the first user terminal device permitting the request.
The information processing apparatus according to claim 10. After the predetermined period has passed, the settlement processing unit limits the use of an amount equivalent to the balance amount obtained by subtracting the amount used during the predetermined period from the amount frame, to the first user terminal device. to release from said available slots of
The information processing device according to claim 1 . After the predetermined period has elapsed, the payment processing unit applies an amount corresponding to the balance amount obtained by subtracting the amount used during the predetermined period from the amount frame to a second use associated with the electronic payment service account. add to the available limit in the electronic payment service of the terminal device,
The information processing device according to claim 1 . When the balance amount obtained by subtracting the usage amount from the amount frame is less than a threshold during the predetermined period, and an amount shortage occurs in the electronic payment using the balance amount, the payment processing unit corresponds to the shortage amount. complete the electronic payment using the balance amount by withdrawing the amount to be paid from the usage limit of the first user terminal device;
The information processing device according to claim 1 . the computer
One or more second uses using the electronic payment service, from the first user terminal device of the first user who uses the electronic payment service, the amount frame that can be used for payment of the electronic payment service during a predetermined period. accept the designation to be granted to the electronic payment service account of the person,
granting the amount limit to the electronic payment service account based on the received designation;
When the amount limit is granted to the electronic payment service account, restricting the use of an amount corresponding to the amount limit among the available limits in the electronic payment service of the first user terminal device;
Information processing methods. to the computer,
One or more second uses using the electronic payment service, from the first user terminal device of the first user who uses the electronic payment service, the amount frame that can be used for payment of the electronic payment service during a predetermined period. Accept the designation to be granted to the electronic payment service account of the person,
granting the amount limit to the electronic payment service account based on the received designation;
when the amount limit is granted to the electronic payment service account, restricting the use of an amount corresponding to the amount amount among the available limits for the electronic payment service of the first user terminal device;
program.

Images