JP7306772B2 - program, information processing method, server - Google Patents

Description

The present disclosure relates to programs, information processing methods, servers, and the like.

Recently, services that realize payment (settlement) using electronic money or the like using applications that can be executed on terminals such as smartphones are becoming widespread. For example, Japanese Laid-Open Patent Publication No. 2002-200002 discloses a technique for settling the purchase price of a product.

Japanese Patent Application Laid-Open No. 2002-176671

According to the first aspect of the present invention, a program executed by a server that communicates with a first terminal and a second terminal transfers a first electronic currency, for which notification settings have been made by a user of the first terminal, to the second terminal. Receiving first information, which is information relating to remittance to a user, from a first terminal by a communication unit of a server, and receiving first electronic money to be remitted to a user of a second terminal based on the reception of the first information The control unit of the server performs control of storing in association with the user of the second terminal, and based on the reception of the first information, the communication unit transmits the second information indicating that the money has been transferred from the first terminal to the user of the second terminal. and transmitting, by the communication unit, a notification to the third terminal based on the use of at least a portion of the first electronic money by the user of the second terminal. be.
According to the second aspect of the present invention, a program executed by a server that communicates with a first terminal and a second terminal transfers a first electronic currency for which notification settings have been made by a user of the first terminal to the second terminal. Receiving first information, which is information relating to remittance to a user, from a first terminal by a communication unit of a server, and receiving first electronic money to be remitted to a user of a second terminal based on the reception of the first information The control unit of the server performs control of storing in association with the user of the second terminal, and based on the reception of the first information, the communication unit transmits the second information indicating that the money has been transferred from the first terminal to the user of the second terminal. and transmitting, by the communication unit, a notification to the third terminal based on the use of at least a portion of the first electronic money by the user of the second terminal.
According to a third aspect of the present invention, a server that communicates with the first terminal and the second terminal remits the first electronic money for which notification settings have been made by the user of the first terminal to the user of the second terminal. and a communication unit that receives, from the first terminal, first information, which is information relating to the a control unit for controlling, the communication unit, based on reception of the first information, transmits to the second terminal second information indicating that the money has been transferred from the first terminal to the user of the second terminal; A notification is sent to the third terminal based on the use of at least a portion of the first electronic money by the user of the terminal.
According to a fourth aspect of the present invention, a server that communicates with a first terminal and a second terminal includes a processor that reads a program stored in a memory and executes processing based on the program, the processor: Receiving, from the first terminal, the communication unit of the server from the first information, which is information relating to remittance of the first electronic money for which notification has been set by the user to the user of the second terminal, and receiving the first information. executing control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information; Sending the notification to the third terminal based on the transmission of the second information indicating that the money has been transferred from the terminal to the second terminal by the communication unit and the use of at least part of the first electronic money by the user of the second terminal and transmitting to the terminal by the communication unit.

The figure which shows an example of the system configuration|structure of the communication system which concerns on embodiment. The figure which shows an example of the system configuration|structure of the store POS system which concerns on embodiment. FIG. 5 is a diagram showing an example of functions realized by a control unit of the server according to the first embodiment; FIG. 5 is a diagram showing an example of information and the like stored in a storage unit of the server according to the first embodiment; The figure which shows an example of the account registration data based on 1st Example. The figure which shows an example of the account management database based on 1st Example. FIG. 4 is a diagram showing an example of functions realized by a control unit of the terminal according to the first embodiment; FIG. 4 is a diagram showing an example of information and the like stored in a storage unit of the terminal according to the first embodiment; The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 1st Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 1st Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 1st Example. 4 is a flowchart showing an example of the flow of processing executed by each device according to the first embodiment; 4 is a flowchart showing an example of the flow of processing executed by each device according to the first embodiment; The figure which shows an example of the account management database which concerns on a 1st modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 1st modification. The figure which shows an example of the account management database which concerns on a 1st modification. 9 is a flowchart showing an example of the flow of processing executed by each device according to the second embodiment; The figure which shows an example of the information etc. which are memorize|stored in the memory|storage part of the server based on a 2nd modification. The figure which shows an example of the settlement history management data which concerns on a 2nd modification. The figure which shows an example of the account management database which concerns on a 2nd modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 2nd modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 3rd Example. FIG. 11 is a flow chart showing an example of the flow of processing executed by each device according to the third embodiment; FIG. FIG. 11 is a flow chart showing an example of the flow of processing executed by each device according to the third embodiment; FIG. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 3rd modification. FIG. 11 is a flowchart showing an example of the flow of processing executed by each device according to the third modification; FIG. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 3rd modification. FIG. 11 is a flowchart showing an example of the flow of processing executed by each device according to the third modification; FIG. The figure which shows an example of the account management database based on 4th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 4th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 4th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 4th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 4th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 4th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 4th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 5th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 5th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 5th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 6th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 6th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 6th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 6th modification. The figure which shows an example of the account management database based on 7th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 7th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 7th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 7th Example. FIG. 11 is a flow chart showing an example of the flow of processing executed by each device according to the seventh embodiment; FIG. FIG. 11 is a flow chart showing an example of the flow of processing executed by each device according to the seventh embodiment; FIG. The figure which shows an example of the account management database which concerns on a 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 8th Example. FIG. 12 is a flow chart showing an example of the flow of processing executed by each device according to the eighth embodiment; FIG. FIG. 12 is a flow chart showing an example of the flow of processing executed by each device according to the eighth embodiment; FIG. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on an 8th modification. FIG. 12 is a flowchart showing an example of the flow of processing executed by each device according to the eighth modified example; FIG. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on an 8th modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on an 8th modification. FIG. 12 is a flowchart showing an example of the flow of processing executed by each device according to the eighth modified example; FIG. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on an 8th modification. The figure which shows an example of the account management database based on 9th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 9th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 9th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 9th modification. FIG. 22 is a diagram showing an example of a processing method in a used balance selection process according to a ninth modification; FIG. FIG. 21 is a diagram showing an example of a processing method in a used balance priority order setting process according to a ninth modification; FIG. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 10th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a tenth modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 11th Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 11th Example. FIG. 14 is a flow chart showing an example of the flow of processing executed by each device according to the eleventh embodiment; FIG. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on an 11th modification. FIG. 14 is a flowchart showing an example of the flow of processing executed by each device according to the eleventh modification; FIG. FIG. 22 is a diagram showing an example of an account management database according to the 12th embodiment; FIG. FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the twelfth embodiment; FIG. 21 is a flow chart showing an example of the flow of processing executed by each device according to the twelfth embodiment; FIG. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 12th modification. FIG. 23 is a diagram showing an example of account management data according to the twelfth modification; FIG. FIG. 23 is a diagram showing an example of account management data according to the twelfth modification; FIG. FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the thirteenth embodiment; FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the thirteenth embodiment; FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the thirteenth embodiment; FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the thirteenth embodiment; FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the thirteenth embodiment; FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the thirteenth embodiment; FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the thirteenth embodiment; FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the fifteenth embodiment; FIG. 22 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the fifteenth embodiment; FIG. 21 is a flow chart showing an example of the flow of processing executed by each device according to the fifteenth embodiment; FIG.

<Compliance with legal matters>
Note that the disclosure provided herein is subject to compliance with the legal requirements of the implementing country required for the practice of this disclosure, such as confidentiality of communications.

<Embodiment>
In this specification, there are places described as "as an example, not as a limitation" for the sake of clarity, but not only the relevant places, but also the whole of the embodiments described below are not limited to the contents of that description. Please note.

An embodiment for implementing a program or the like according to the present disclosure will be described with reference to the drawings.

A system, by way of example and not limitation, may be configured with a plurality of devices.
The plurality of devices may be a combination of devices of the same type, a combination of devices of different types, or a combination of devices of the same type and devices of different types.
It should be noted that, by way of example and not limitation, a system can also be considered as a plurality of devices working together to perform some processing.

Also, a system involving a client (client device) and a server can be considered, by way of example and not limitation, to be at least one of the following.
(1) Terminal & Server (2) Server (3) Terminal

(1) is a system including, by way of example and not limitation, at least one terminal and at least one server. An example of this is a client-server system.

The server is made up of, by way of example and not limitation, the following devices, which may be a single device or a combination of multiple devices.

Specifically, the server includes, by way of example and not limitation, at least one processor (examples and not limitation include: CPU: Central Processing Unit, GPU: Graphics Processing Unit, APU: Accelerated Processing Unit, DSP: Digital Signal Processor (not limited to Instead, as an example, ASIC: Application Specific Integrated Circuit, FPGA: Field Programmable Gate Array), etc.), computer device (processor + memory), control device, arithmetic device, processing device, etc. Or a configuration with a plurality of the same type of one device (as a non-limiting example, CPU + CPU, homogeneous multi-core processor, etc.), or a configuration with a plurality of different types of any one device (as a non-limiting example, CPU + DSP, heterogeneous multi-core processor etc.), or a combination of a plurality of devices (as non-limiting examples, a processor + computer device, a processor + arithmetic device, a heterogeneous combination of a plurality of devices, etc.).
Note that the processor may be a virtual processor.

Also, in the case where some processing is executed by the server, if it is composed of a single device, the processing described in the embodiments is executed by the single device. Further, in the case of a configuration having a plurality of devices, it may be configured such that one device executes a part of the processing and the other device executes the other processing. By way of example and not limitation, when configured with a processor and an arithmetic device, the processor may be configured to perform the first process and the arithmetic device may be configured to perform the second process.
In addition, when a plurality of devices are used, each device may be arranged at a position physically separated from each other.

Also, the functions of the server may be provided in the form of PaaS, IaaS, or SaaS in cloud computing, for example and not limitation.

Also, the control unit of the system can be at least one of the control unit of the terminal and the control unit of the server. That is, as an example and not a limitation, any one of (1A) only the control unit of the terminal, (1B) only the control unit of the server, or (1C) both the control unit of the terminal and the control unit of the server may be used in the system. can be a control unit of

In addition, the control and processing performed by the control unit of the system (hereinafter collectively referred to as “control, etc.”) may be performed only by (1A) the control unit of the terminal, or (1B) the control of the server (1C) It may be performed by both the control unit of the terminal and the control unit of the server.
In addition, in (1C), as an example and not a limitation, part of the control performed by the control unit of the system is performed by the control unit of the terminal, and the rest of the control is performed by the control unit of the server. You may do so. In this case, the allocation (allocation) of control and the like may be equally divided, or may be allocated at different ratios instead of equally divided.

Further, in the case of the communication unit of the server, when the server is composed of a single device, the communication unit itself provided in the single device may be used. Further, when the server is configured to have a plurality of devices, the communication section of the server may be configured to include each communication section provided in each device.
By way of example and not limitation, if a server comprises a first device and a second device, the first device having a first communication portion and the second device having a second communication portion, the communication portion of the server may include: It is good also as a concept containing a 1st communication part and a 2nd communication part.

(2) can be, for example and not limitation, a system composed of a plurality of servers (hereinafter referred to as "server system"). In this case, the configuration described above can be similarly applied as the configuration of each server.

The control or the like performed by the server system may be performed by (2A) only one server, (2B) only another server, or (2C) one of the plurality of servers. server and another server.
In addition, in (2C), as an example, not limitation, one server performs a part of the control performed by the server system, and the rest of the control is performed by another server. good. In this case, the allocation (allocation) of control and the like may be equally divided, or may be allocated at different ratios instead of equally divided.

(3) can be, by way of example and not limitation, a system composed of a plurality of terminals.
The system may be, by way of example and not limitation, a system such as the following.
・A system in which terminals have server functions (distributed system). This can be accomplished using blockchain technology, by way of example and not limitation.
・A system in which terminals communicate wirelessly with each other. As an example and not a limitation, this can be realized by performing communication in a P2P (Peer-to-Peer) method or the like using short-range wireless communication technology such as Bluetooth.

Note that the above is not limited to the control section, and the same applies to each functional section such as an input/output section, a communication section, a storage section, a clock section, etc., which can be components of the system.

In the following embodiments, by way of example and not by way of limitation, a system including a terminal and a server (by way of example and not by way of limitation, a client-server system) is illustrated.
It is also possible to apply the server system of (2) above as the server.

Also, instead of a system including a terminal and a server, it is possible to apply a system that does not include a server, such as the system of (3) above as an example and not as a limitation.
An embodiment in this case can be configured based on the above-described blockchain technology or the like. Specifically, as an example and not a limitation, data stored and managed in a server described in the following embodiments is saved (stored) on a blockchain. The terminal can then generate a transaction to the blockchain, and when the transaction is approved on the blockchain, the data stored on the blockchain can be updated.

It should be noted that even when the term "terminal" is used, this is not limited to the meaning of a terminal as a client device in a client server.
That is, a terminal may include the concept of a device that is not in a client server.

Also, in this specification, the expression "by communication I/F" is used as appropriate. This indicates that, as an example and not a limitation, the device transmits and receives various types of information and data via a communication I/F (via a communication unit) under the control of a control unit (processor or the like). It shall be acceptable.

In addition, regarding the terms “related” and “related” in this specification, when “B related to A” or “B related to A” is used as an example, not as a limitation, some relationship with “A” shall mean "B" having A specific example of this will be described later.

Further, in this specification, "A" and Including those in which "B" is performed at the same time (hereinafter referred to as "simultaneous") and those in which "A" and "B" are performed at different times (hereinafter referred to as "non-simultaneously"). shall be acceptable.
As an example and not as a limitation, in the case of transmitting the first information and the second information, it is possible to transmit the first information and the second information at the same timing, and to transmit the first information and the second information at the different timings. may include both the concept of what is sent with
In consideration of lag (time lag), "at the same time" may include "almost at the same time."

It should be noted that even though "A" and "B" are performed at different timings, it is only necessary to process "A" and "B" as targets, and the purpose is not necessarily the same. be omitted.
By way of example and not limitation, when it is said that the first information and the second information are transmitted as described above, it is only necessary to transmit the first information and the second information, and the first information and the second information are used for the same purpose. In addition to the case of transmitting the first information and the second information for different purposes, it may also include the case of transmitting the first information and the second information.

The following examples illustrate services for users to make payments (hereinafter referred to as "payment services"). Also, an application for realizing a payment service is called a "payment application."
A payment application may, by way of example and not limitation, allow a user to make payments using electronic money.

As a payment method using electronic money, as an example and not as a limitation, either a “user-presented” code payment or a “store-presented” code payment can be applied.

In the "user presentation type" code payment, as an example and not a limitation, the user presents the code information displayed on the display unit 24 of the terminal 20 to the store clerk and has it read by the store code reader. can be a method of performing
The "store presentation type" code payment can be, for example and not limitation, a method in which the user causes the code reader of his/her own terminal 20 to read the code information presented by the store to make the payment.

Although any payment method can be applied, in the following examples, for the sake of simplification, the explanation will focus on the "user-provided" code payment. However, it is also possible to apply the code payment of the "store presentation type" in the same manner.

Also, in the following embodiments, a messaging service will be exemplified as an example of a service for users to chat (hereinafter referred to as "chat service"). Also, an application for realizing a chat service is called a "chat application", and an application for realizing a messaging service is called a "messaging application".
A chat application may, by way of example and not limitation, allow users to chat in a chat room.

The messaging service: MS (including the instant messaging service: IMS) can also be considered as one form (one form) of the social networking service: SNS. Thus, messaging services and social networking services may or may not be distinguished. In other words, social networking services may include messaging services.

Also, in the following embodiments, as an example of a messaging service, an instant messaging service: IMS (Instant Messaging Service).
An instant messaging application, by way of example and not limitation, may allow users to talk in a talk room.

A chat room (as a non-limiting example, a talk room) can be a UI (User Interface) or a GUI (Graphical User Interface) that allows each user to view content transmitted and received between terminals of multiple users. .

Talk rooms include one-to-one user talk rooms (hereinafter referred to as "one-to-one talk rooms"), group talk rooms including a plurality of users (hereinafter referred to as "group talk rooms"), Talk rooms with users of official accounts (hereinafter referred to as “OA talk rooms”) and the like can be included.

In terms of data management, the one-on-one chat room may be managed as a chat room for one-to-one users or one-to-one accounts, or managed as a group chat room consisting of two users or two accounts. You may

An official account is not a general user's account but a business operator's account (business user's account), and users of this official account also use a terminal similar to a general user's terminal as an example and not a limitation. , through the server, it is possible to send and receive content (messages) to and from other devices.

In this specification, content may be information transmitted from a source to a destination. Also, the content may be one or more pieces of content.

Content includes, by way of example and not limitation, text content in the form of text, image content in the form of images (including at least one of still images and moving images), sound content in the form of sound (including voice), etc. shall be included.
In addition to this, operation contents such as buttons and icons for user operation, and link contents such as link information (including URI (Uniform Resource Identifier) etc. as an example without limitation) may be included. shall be

Text may include, by way of example and not limitation, at least one of national characters represented by character codes, extended characters, machine-dependent characters, numerals, symbols, graphics and symbols.
Note that the text may not include at least one of the characters, extended characters, machine-dependent characters, numerals, symbols, graphics, and symbols described above, and may include other text.

Images can include, by way of example and not limitation, at least one of various types of image information such as icons, buttons, stamps, pictograms, banner images.

As a form for realizing a payment service (payment application), any of the following forms can be applied as an example and not as a limitation.
(A) Mode of providing a payment service function as one function of a messaging application (B) Mode of configuring an application (integrated application) having both a payment service function and a messaging service function (C) What is a payment application? A form of configuring a messaging application as a separate application

In aspects (A) and (B), by way of example and not limitation, the payment service provider can be the same provider as the messaging service provider.
Also, in this case, one method is to have the user's account in the messaging application and the user's account in the payment application be a common account.
Alternatively, in this case, the user's account in the messaging application and the user's account in the payment application may be automatically associated (coordinated).

In form (C), by way of example and not limitation, the payment service provider may be a different provider than the messaging service provider.
Also, in the form (C), a process of associating (coordinating) the user's account in the messaging application and the user's account in the payment application can be performed.

Note that, unlike the above, it is also possible to provide a messaging service function as one function of the payment application.

In this specification, "electronic money" means electronic money that is distinguished from physical money, and is electronic money owned by a terminal managed by the various applications described above or by a user of the terminal. shall be deemed to mean
It should be noted that "electronic currency" may also be considered as "digital currency (digital currency)."

As one way of thinking, electronic money may be considered as a concept including "electronic money", "virtual currency (crypto assets)", "central bank issued digital currency (CBDB)", and the like.

In addition, the electronic currency may be either "statutory currency" or "corporate currency". As an implementation method of electronic money, "centralized finance (CeFi)" or "decentralized finance (DeFi)" may be used.

In the embodiments described below, electronic money as corporate currency in centralized finance will be exemplified as an example of electronic money, not as a limitation.

Corporate currency may include physical currency such as coupons.

<First embodiment>
In the first embodiment, as an example and not as a limitation, a user of one terminal 20 (hereinafter referred to as "first terminal" as appropriate) is connected to another terminal 20 (hereinafter referred to as "second terminal" as appropriate). When electronic money is remitted to the user and at least part of the electronic money is used by the user of the second terminal, a notification is sent to a predetermined terminal 20 (hereinafter referred to as "third terminal" as appropriate). It is an example to be transmitted.

Hereinafter, as described above, a business operator that provides payment services using a payment application will be referred to as a “payment service business operator”.
The payment service provider can also be expressed as a provider of payment applications or a provider of the server 10 .
In addition, it can also be expressed as a payment service provider in the sense of a business operator that provides payment services.

In addition, "affiliated stores" can be defined as stores that cooperate with payment service providers and can use payment services that use payment applications to pay for goods and services provided at the stores.

Also, hereinafter, the name of the payment application is appropriately referred to as "Payment App" in the drawings and explanations.

The content described in the first embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<System configuration>
FIG. 1-1 is a diagram showing an example of a system configuration of a communication system 1 according to an embodiment of the present disclosure.
In the communication system 1, by way of example and not limitation, a server 10, a plurality of terminals 20 (terminals 20A, 20B, 20C, . . . ), and one or more store POS systems 40 via a network 30 Connected.

The server 10 has the function of providing a predetermined service (for example, without limitation, a payment service, a messaging service, etc.) to a terminal 20 owned by a user via a network 30 . Server 10 may also be referred to as, by way of example and not limitation, a payment server, a settlement server, a messaging server, and the like.
In the present embodiment, users of the server 10 are payment service providers (operators) and messaging service providers (operators).

Note that the number of servers 10 and the number of terminals 20 connected to the network 30 are not limited.

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, . . . ) may be any information processing terminal capable of realizing the functions described in each embodiment. Terminal 20 includes, by way of example and not limitation, smart phones, mobile phones (feature phones), computers (including but not limited to desktops, laptops, tablets, etc.), media computer platforms (including but not limited to cable, satellite set top boxes, digital video recorders), handheld computer devices (as non-limiting examples include PDA (personal digital assistant), email clients, etc.), wearable terminals (glass-type devices, watch-type devices, etc.), VR (Virtual Reality) Including terminals, smart speakers (devices for voice recognition), or other types of computers or communication platforms. Also, the terminal 20 may be expressed as an information processing terminal.

The configuration of terminal 20A, terminal 20B and terminal 20C may be identical, by way of example and not by way of limitation. Further, if necessary, the terminal used by the user X may be expressed as the terminal 20X, and the user information in a predetermined service associated with the user X or the terminal 20X may be expressed as the user information X. It doesn't have to be.
The user information is user information associated with an account used by the user in a predetermined service. User information includes, by way of example and not limitation, user's name, user's icon image, user's age, user's gender, user's address, user's hobbies, entered by the user or provided by a given service It may include information associated with the user, such as preferences, user identifiers, etc., and may or may not be any one or combination of these.

The network 30 serves to connect one or more terminals 20 and one or more servers 10 . That is, the network 30 means a communication network that provides a connection path so that the various devices can transmit and receive data after being connected.

One or more portions of network 30 may or may not be wired or wireless networks. Network 30 may include, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), wide area network (WAN), wireless WAN (WWAN), metropolitan area network (MAN), part of the Internet, public switched telephone network (Public Part of Switched Telephone Network (PSTN), mobile phone network, ISDN (integrated service digital networks), wireless LAN, LTE (long term evolution), CDMA (code division multiple access), Bluetooth (registered trademark), satellite communication, etc., or a combination of two or more thereof. Network 30 may include one or more networks 30 .

The server 10 (not limited to, but an example of a server, an information processing device, an information management device) has a function of providing a predetermined service to the terminal 20 . The server 10 may be any information processing device capable of realizing the functions described in each embodiment. Server 10 includes, by way of example and not limitation, server devices, computers (including but not limited to desktops, laptops, tablets, etc.), media computer platforms (including but not limited to cable, satellite set-top boxes, digital video recorders, etc.). ), handheld computing devices (by way of example and not limitation, PDAs, email clients, etc.), or other types of computers or communication platforms. Also, the server 10 may be expressed as an information processing device. If there is no need to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be represented as information processing devices.

[Hardware (HW) configuration of each device]
The HW configuration of each device included in the communication system 1 will be described.

(1) HW Configuration of Terminal FIG. 1-1 shows an example of the HW configuration of the terminal 20. As shown in FIG.
The terminal 20 includes a control unit 21 (CPU: central processing unit (central processing unit)), a storage unit 28, a communication I/F 22 (interface), an input/output unit 23, a clock unit 29A, and a position calculation information detection unit 29B. . Each component of the HW of terminal 20 is interconnected via bus B, by way of example and not limitation. Note that the HW configuration of the terminal 20 does not necessarily include all the components. By way of example and not limitation, terminal 20 may or may not be configured for individual or multiple components to be removed.

Communication I/F 22 transmits and receives various data via network 30 . Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 22 has a function of executing communication with various devices such as the server 10 via the network 30 . Communication I/F 22 transmits various data to various devices such as server 10 according to instructions from control unit 21 . The communication I/F 22 also receives various data transmitted from various devices such as the server 10 and transmits the data to the control unit 21 . Also, the communication I/F 22 may be simply referred to as a communication unit. Moreover, when the communication I/F 22 is configured by a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 23 includes a device for inputting various operations to the terminal 20, a device for outputting processing results processed by the terminal 20, and the like. In the input/output unit 23, the input unit and the output unit may be integrated, the input unit and the output unit may be separated, or not.

The input unit is implemented by any one or a combination of all types of devices that can receive input from the user and transmit information related to the input to the control unit 21 . The input unit includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via moving images), and a microphone (operation input by voice).

The output unit is implemented by any one or a combination of all types of devices capable of outputting processing results processed by the control unit 21 . The output unit includes, as non-limiting examples, a touch panel, a touch display, a speaker (audio output), a lens (as non-limiting examples, 3D (three dimensions) output, hologram output), a printer, and the like.

Although it is only an example, the input/output unit 23 includes a display unit 24 , a sound input unit 25 , a sound output unit 26 and an imaging unit 27 as an example and not a limitation.

The display unit 24 is realized by any one or a combination of all kinds of devices capable of displaying according to the display data written to the frame buffer. The display unit 24 includes, as non-limiting examples, a touch panel, a touch display, a monitor (non-limiting examples include a liquid crystal display and OELD (organic electroluminescence display)), a head mounted display (HDM: Head Mounted Display), projection mapping, and a hologram. , including devices capable of displaying images, text information, etc. in air (which may or may not be a vacuum). Note that these display units 24 may or may not be capable of displaying display data in 3D.

The sound input unit 25 is used to input sound data (including voice data; the same applies hereinafter). Sound input unit 25 includes a microphone and the like.
The sound output unit 26 is used for outputting sound data. Sound output unit 26 includes a speaker and the like.
The imaging unit 27 is used to acquire image data (including still image data and moving image data; the same applies hereinafter). The imaging unit 27 includes a camera and the like.

When the input/output unit 23 is a touch panel, the input/output unit 23 and the display unit 24 may be arranged facing each other with substantially the same size and shape.

The clock unit 29A is a built-in clock of the terminal 20 and outputs time information (clock information). The clock unit 29A is configured with a clock using a crystal oscillator or the like as an example and not a limitation. The clock unit 29A can also be expressed as a clock unit or a time information detection unit as an example and not as a limitation.

Note that the clock unit 29A may or may not have a clock to which the NITZ (Network Identity and Time Zone) standard or the like is applied.

The position calculation information detection unit 29B has a function of detecting (measuring) information necessary for the control unit 21 to calculate (measure) the position of its own terminal 20 (hereinafter referred to as “position calculation information”). Department. The position calculation information detection section 29B can also be expressed as a position calculation sensor section as an example and not as a limitation.

The position calculation information detection unit 29B includes, as a non-limiting example, a satellite positioning sensor (satellite positioning sensor) which is a sensor or unit for calculating the position of the terminal 20 using a satellite positioning system such as GPS (Global Positioning System). unit), an inertial measurement sensor (inertial measurement unit (IMU (Inertial Measurement Unit))), which is a sensor or unit for calculating the position of the terminal 20 using an inertial navigation system, UWB (ultra wideband radio: Ultra Wide A UWB positioning sensor (UWB positioning unit), etc., which is a sensor or unit for calculating the position of the terminal 20 using a band).

The satellite positioning unit includes, as a non-limiting example, an RF receiving circuit that converts an RF (Radio Frequency) signal including a positioning satellite signal transmitted from a positioning satellite received by an antenna (not shown) into a digital signal, Positioning satellite signals are acquired by performing correlation calculation processing, etc. on the digital signals output from the RF receiving circuit, and information such as satellite orbit data and time data extracted from the positioning satellite signals is used as position calculation information. It has a baseband processing circuit for output.

The inertial measurement unit has an inertial sensor that detects information necessary to calculate the position of terminal 20 by inertial navigation calculation. Examples of inertial sensors include, but are not limited to, triaxial acceleration sensors and triaxial gyro sensors. The acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor are used as position calculation information. Output.

As a non-limiting example, the UWB positioning unit converts an ultra-wideband RF (Radio Frequency) signal including an ultra-wideband pulse signal for positioning transmitted from a positioning beacon received by an antenna (not shown) into a digital signal. It has a wideband RF receiving circuit, a relative position calculation processing circuit that calculates the relative position between the terminal 20 and the positioning beacon based on the digital signal output from the ultra-wideband RF receiving circuit, and the like.
As an example and not a limitation, the UWB positioning unit may cause the terminal 20 to function as a positioning beacon by transmitting an ultra-wideband RF signal including a positioning ultra-wideband pulse signal from an antenna (not shown), You don't have to.

As a non-limiting example, the control unit 21 calculates the position of its own terminal 20 at regular timings or specific timings based on the position calculation information detected by the position calculation information detection unit 29B. The position of the terminal is called "terminal position", and the calculated terminal position is called "calculated terminal position". The control unit 21 may or may not associate the calculated terminal position with the date and time when the calculated terminal position was calculated and store it in the storage unit 28 as calculated terminal position history data.

The control unit 21 comprises physically structured circuitry for performing the functions implemented by the code or instructions contained within the program, and is, by way of example and not by way of limitation, a data processing device built into hardware. It is realized by Therefore, the control unit 21 may or may not be expressed as a control circuit.

Control unit 21 includes, by way of example and not limitation, a central processing unit (CPU), microprocessor, processor core, multiprocessor, ASIC (application-specific integrated circuit), FPGA (field programmable gate array).

The storage unit 28 has a function of storing various programs and various data required for the terminal 20 to operate. The storage unit 28 includes various storage media such as HDD (hard disk drive), SSD (solid state drive), flash memory, RAM (random access memory), and ROM (read only memory) as examples and not limitation. Also, the storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the storage unit 28 and executes the program P so that the control unit 21 executes processing as each unit included in the control unit 21 . That is, the program P stored in the storage unit 28 causes the terminal 20 to implement each function executed by the control unit 21 . Also, this program P may or may not be expressed as a program module.

(2) Server HW Configuration FIG. 1-1 shows an example of the HW configuration of the server 10. As shown in FIG.
The server 10 includes a control section 11 (CPU), a storage section 15 , a communication I/F 14 (interface), an input/output section 12 and a clock section 19 . Each component of the HW of server 10 is interconnected via bus B, by way of example and not limitation. It should be noted that the HW of the server 10 does not have to include all components as the HW configuration of the server 10 . By way of example and not limitation, the HW of server 10 may or may not be configured to remove individual components or multiple components.

The control unit 11 comprises, by way of example and not limitation, a hardware built-in data processing device comprising physically structured circuitry for carrying out the functions implemented by the code or instructions contained within the program. It is realized by

The control unit 11 is typically a central processing unit (CPU), and may or may not be a microprocessor, processor core, multiprocessor, ASIC, or FPGA. In the present disclosure, the controller 11 is not limited to these.

The storage unit 15 has a function of storing various programs and various data necessary for the operation of the server 10 . The storage unit 15 is realized by various storage media such as HDD, SSD, and flash memory. However, in the present disclosure, the storage unit 15 is not limited to these. Also, the storage unit 15 may or may not be expressed as a memory.

Communication I/F 14 transmits and receives various data via network 30 . Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 14 has a function of executing communication with various devices such as the terminal 20 via the network 30 . Communication I/F 14 transmits various data to various devices such as terminal 20 according to instructions from control unit 11 . The communication I/F 14 also receives various data transmitted from various devices such as the terminal 20 and transmits the data to the control unit 11 . Also, the communication I/F 14 may be simply referred to as a communication unit. Moreover, when the communication I/F 14 is configured by a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 12 includes a device for inputting various operations to the server 10, a device for outputting processing results processed by the server 10, and the like. In the input/output unit 12, the input unit and the output unit may be integrated, the input unit and the output unit may be separated, or not.

The input unit is implemented by any one or a combination of all types of devices that can receive input from the user and transmit information related to the input to the control unit 11 . The input unit is realized by hardware keys typically represented by a keyboard and a pointing device such as a mouse. Note that the input unit may or may not include a touch panel, a camera (operation input via a moving image), and a microphone (operation input by voice) as examples, not limitation.

The output unit is implemented by any one or a combination of all types of devices capable of outputting processing results processed by the control unit 11 . The output unit includes, as non-limiting examples, touch panels, touch displays, speakers (sound output), lenses (three-dimension (3D) output and hologram output as non-limiting examples), printers, and the like.

Although it is only an example, the input/output unit 12 includes the display unit 13 as an example and not as a limitation.

The display unit 13 is realized by a display or the like. The display is typically implemented by a monitor (for example, but not by way of limitation, a liquid crystal display or an OELD (organic electroluminescence display)). Note that the display may or may not be a head mounted display (HDM) or the like. These displays may or may not be capable of displaying display data in 3D. In the present disclosure, displays are not limited to these.

The clock unit 19 is an internal clock of the server 10 and outputs time information (timekeeping information). The clock unit 19 includes, for example and not limitation, an RTC (Real Time Clock) as a hardware clock, a system clock, and the like. The clock unit 19 can also be expressed as a clock unit or a time information detection unit as an example and not as a limitation.

(3) System Configuration of Store POS FIG. 1-2 shows an example of the system configuration of the store POS system 40. As shown in FIG.
The store POS system 40 is a POS system that is installed and used in a store affiliated with the business operator that operates the server 10. As a non-limiting example, the store code reader device 50, the code register 60, and the store and server 70 .

The store code reader device 50 is connected for communication with the code register 60 and the store server 70 via the POS communication I/F 57 (for example, but not limited to, a wired communication I/F or wireless communication I/F in the store). , the code information displayed on the display unit 24 of the terminal 20 is read. Then, based on the read code information, the payment request information is transmitted to the server 10 via the communication I/F 54, and after the payment is made by the server 10, the information on the payment result is received from the server 10 via the communication I/F 54. .

Store code reader device 50 includes, for example and not limitation, control unit 51, input/output unit 52, display unit 53, communication I/F 54, storage unit 55, sound output unit 56, POS communication I/ It has an F57, a code reader 58, and a clock section 59.

The code reader 58 is a code reader for reading code information such as a one-dimensional code (one-dimensional code image) or a two-dimensional code (two-dimensional code image), for example but not limited to wallet code information to be described later.

As an example and not a limitation, the code register 60 is connected to the store code reader device 50 and the store server 70 via the POS communication I/F 57, and based on the settlement completion notice received by the store code reader device 50 from the server 10, A receipt on which information such as the total amount of sold products and the electronic money balance of the user of the terminal 20 is printed is issued.

Further, as an example and not a limitation, a display may be provided integrally with the code register 60 or separately from the code register 60 and having a display surface facing the customer side.
The code register 60 is a cash register configured to be compatible with payment applications, and can also be called a fixed terminal compatible with payment applications.

The store server 70 stores, as a non-limiting example, store information related to its own store, information related to products sold at its own store, information related to services provided at its own store, information related to sales of products at its own store, and provision of services. Manage various information such as information related to sales. The store server 70 is configured to be able to communicate with the store code reader device 50 and the code register 60 via the POS communication I/F 57 , and is also configured to be able to communicate with an external device such as the server 10 via the network 30 .

Store server 70 does not necessarily have to be configured to be able to directly communicate with store code reader device 50 , and may be configured to be able to communicate with store code reader device 50 via code register 60 . As a non-limiting example, the payment completion notification received by the store code reader device 50 from the server 10 may be sent to the code register 60, and then sent from the code register 60 to the store server 70.

(3) Others The server 10 stores the program P in the storage unit 15 and executes the program P so that the control unit 11 executes processing as each unit included in the control unit 11 . That is, the program P stored in the storage unit 15 causes the server 10 to implement each function executed by the control unit 11 . This program P may or may not be expressed as a program module.
The same is true for other devices.

Each embodiment of the present disclosure will be described as being implemented by the CPU of the terminal 20 and/or the server 10 executing the program P. FIG.

It should be noted that the control unit 21 of the terminal 20 and/or the control unit 11 of the server 10 is not only a CPU having a control circuit, but also an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like. Each process may or may not be implemented by a logic circuit (hardware) or a dedicated circuit. Also, these circuits may be realized by one or more integrated circuits, and the plurality of processes shown in each embodiment may or may not be realized by one integrated circuit. LSIs are also called VLSIs, super LSIs, ultra LSIs, etc., depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.

In addition, the program P of each embodiment of the present disclosure (as a non-limiting example, a software program, a computer program, or a program module) may be provided in a state stored in a computer-readable storage medium, It does not have to be. The storage medium can store the program P in a "non-transitory tangible medium". Also, the program P may or may not be for realizing part of the functions of each embodiment of the present disclosure. Furthermore, the function of each embodiment of the present disclosure may or may not be a so-called difference file (difference program) that can be realized in combination with a program P already recorded on a storage medium.

Also, when referring to a program of the system (a program executed by the system), the system is as described above. The program of the system mentioned above is a program that can be executed by the entire system. This program, as an example and not a limitation, may be composed of a program for each device that constitutes the system. Programs stored in individual devices may be different. In other words, the programs do not have to be common to the individual devices that make up the system.
By way of example and not limitation, if the system consists of a terminal and a server, let the program of the system be P1. P2 and P3 are for executing system programs, and may be different programs. By way of example and not limitation, the program P2 stored in the terminal is a program that performs a first process and sends the results of the first process to the server, and the program P3 that is stored in the server is a program that receives The program may be a program that performs a second process on the result of the first process and transmits the result of the second process to the terminal.

The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and without limitation, field programmable gate arrays (FPGAs) or application specific ICs (ASICs)), hard Disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic tape, solid state It may include a drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may, where appropriate, be volatile, nonvolatile, or a combination of volatile and nonvolatile. Note that the storage medium is not limited to these examples, and any device or medium that can store the program P may be used. Also, the storage medium may or may not be expressed as memory.

The server 10 and/or the terminal 20 can realize the functions of the functional units shown in each embodiment by reading the program P stored in the storage medium and executing the read program P.

In addition, the program P of the present disclosure may or may not be provided to the server 10 and/or the terminal 20 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. . As a non-limiting example, the server 10 and/or the terminal 20 implement the functions of the plurality of functional units shown in each embodiment by executing a program P downloaded via the Internet or the like.

Each embodiment of the present disclosure can also be implemented in the form of a data signal in which the program P is embodied by electronic transmission.
At least part of the processing in the server 10 and/or the terminal 20 may or may not be realized by cloud computing configured by one or more computers.
At least part or all of the processing in the terminal 20 may or may not be performed by the server 10 . In this case, the server 10 may or may not perform at least some or all of the processing of the functional units of the control unit 21 of the terminal 20 .
At least part or all of the processing in the server 10 may or may not be performed by the terminal 20 . In this case, the terminal 20 may or may not perform at least some or all of the processing of the functional units of the control unit 11 of the server 10 .

Unless explicitly mentioned, the configuration of determination in the embodiments of the present disclosure is not essential, and predetermined processing is performed when the determination condition is satisfied, or predetermined processing is performed when the determination condition is not satisfied. may or may not.

It should be noted that the programs of the present disclosure use script languages such as ActionScript and JavaScript (registered trademark), compiler languages such as Objective-C and Java (registered trademark), markup languages such as HTML Living Standard, and the like, for example and not limitation. implemented using

<Functional configuration>
(1) Functional Configuration of Server FIG. 1-3 is a diagram showing an example of functions realized by the control unit 11 of the server 10 in this embodiment.
The control unit 11 includes, as a functional unit, an application management processing unit 111 for executing application management processing according to an application management processing program 151 stored in the storage unit 15 as an example and not limitation.

FIG. 1-4 is a diagram showing an example of information stored in the storage unit 15 of the server 10 in this embodiment.
The storage unit 15 stores an application management processing program 151 to be executed as application management processing, account registration data 153, and an account management database 155 as an example and not limitation.

The account registration data 153 is registration data relating to the account of the application (payment application in this embodiment), and an example of the data configuration is shown in FIG. 1-5.
The account registration data 153 stores, for example and not limitation, a user name, an application ID, and other registration information in association with each other.

The user name is the name of the account of the terminal 20 that uses this application, and as an example and not as a limitation, the name registered when the user of the terminal 20 uses the application is stored.

The application ID is information used to identify the account of the application, or the account itself.
This application ID is preferably a unique value for each account, and as an example and not a limitation, the server 10 sets and stores a unique value (unique value) for each account.
The application ID is information associated with the terminal 20 or the user of the terminal 20, and is an example of information about the terminal or information about the user of the terminal.

The other registration information includes, for example and not limitation, identification information for identifying the terminal 20, the telephone number of the terminal 20 (terminal telephone number), the e-mail address (terminal e-mail address), and the Various information such as authentication information such as a password (login password, authentication password, etc.) can be included.

The identification information for identifying the terminal 20 may be, by way of example and not by way of limitation, a terminal ID (by way of example and not by way of limitation, IMEI (International Mobile Equipment Identity)).
In addition, the identification information for identifying the user of the terminal 20 can be an application ID for general users or an application ID for official users, for example and not limitation.

A "user ID" may or may not be used instead of the application ID.
Also, if the application allows only one account to be registered for one terminal 20, as an example without limitation, "identification information for identifying the terminal 20=identification information for identifying the user of the terminal 20= Application ID".

Also, by way of example and not limitation, it may or may not be possible to assign multiple terminal IDs to one application ID.

It is also possible to apply a method of managing an account using information such as a terminal telephone number instead of various IDs such as an application ID.
In this case, information such as a terminal telephone number can be stored in the account registration data 153 instead of storing ID information such as an application ID in the account registration data 153 .

It should be noted that, in the following various embodiments, one account is registered for one terminal 20 for simplification of explanation.
In this case, as described above, "identification information for identifying the terminal 20 = identification information for identifying the user of the terminal 20 = application ID". The term may be substantially synonymous with "account terminal".

The account management database 155 is a database for managing information relating to accounts registered in the account registration data 153, and an example data configuration of the account management database 155A is shown in FIG. 1-6.
Account management data is stored in the account management database 155A as management data for each account.

Each account management data stores, by way of example and not limitation, an application ID, a normal electronic money balance, and electronic money management data with notifications.

The normal electronic money balance is the normal (ordinary) electronic money balance associated with the account of this application ID.

The electronic money management data with notification is data for managing information related to electronic money with notification associated with the account of this application ID. is stored in association with the attached electronic money balance.

In the embodiment described below, the terminal 20 or server 10 of the remittance source account (or remittance source user) sets the notification destination account (or The following description assumes that it is possible to make settings for notification to the notification destination user). Also, remittance based on this setting is called "remittance with notice", and electronic money remitted based on this setting is called "electronic money with notice".
Notifications may include, by way of example and not limitation, notifications based on the use of notifiable electronic money by the destination account (or its user). This notification is referred to as "electronic money usage notification with notification".

The notification destination ID is information for identifying the account to which the electronic money usage notification with notification is to be sent (hereinafter referred to as the "notification destination account"), and is set as the notification destination account as an example, not as a limitation. The application ID of the account is stored.

The notifier name is a user name corresponding to this notification destination ID. In the account registration data 153, the user name associated with the application ID corresponding to this notification destination ID is stored.

The electronic money balance with notification is the balance of the electronic money with notification associated with this notification destination ID.

By way of example and not limitation, each time electronic money with notification is transferred from the sender account to the recipient account, the notifier ID, the notifier name, and the electronic money balance with notification are associated and notified as a new record. It can be added to and stored in the attached electronic money management data.
When the balance of electronic money with notification decreases due to payment or the like, it is possible to notify the use of electronic money with notification to the terminal 20 of the user of the account of the notification destination ID.

It should be noted that, in this embodiment, the information about who sent the electronic money with notification to the user of the remittance destination account is not essential. For this reason, in the electronic money management data with notification, information such as the remittance source ID is not stored, but the electronic money balance with notification is stored in association with the notification destination ID.

Also, as an example, not a limitation, in the first to third embodiments, "remitter account = remittance account" is set, and electronic money with notification is used for the account (or its user) that performed the remittance with notification. It is assumed that notification is performed.

(2) Functional Configuration of Terminal FIG. 1-7 is a diagram showing an example of functions realized by the control unit 21 of the terminal 20 in this embodiment.
The control unit 21 includes, as a functional unit, an application processing unit 211 for executing application processing according to an application processing program 281 stored in the storage unit 28, for example and not limitation.

FIG. 1-8 is a diagram showing an example of data etc. stored in the storage unit 28 of the terminal 20 in this embodiment.
The storage unit 28 stores an application processing program 281 to be executed as application processing and an application ID 283 corresponding to the terminal 20 or the account of the user of the terminal 20, as an example and not a limitation.

<Display screen>
In the following, as an example and not a limitation, a case where the terminal 20 is a smart phone having a vertically long display unit 24 will be illustrated.

As an example and not a limitation, a smartphone has a touch panel that functions as an input unit facing its display, thereby forming a touch screen. When an element such as an icon, button, item, or input area is displayed on the display, if the user operates an area that is part of the touch panel and faces the area where the element is displayed, A program associated with the element or a subroutine of that program is executed.

Hereinafter, the user's operation will be described as a tap (tap operation) as an example and not as a limitation.
A tap (tap operation) is, for example and not limitation, an operation in which the user touches the display unit 24 (touch screen) integrated with a touch panel by lightly tapping the display unit 24 (touch screen) with a finger or a pen tip, or touches and then releases It is action.

Note that the transition of the display screens described below is merely an example of the transition of the display screens for realizing the technique of the present disclosure. Regarding the transition of the display screens illustrated below, the display of a part of the display screens may be omitted, or another display screen may be added.

1-9 are diagrams showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment. here,
- Remittance source account = User B. Account of B (user of the first terminal) Remittance destination account = User A.B. Account of A (user of second terminal) - Notification destination account = remittance source account = user B. An example of an account of B (the user of the first terminal) is exemplified.

FIG. 1-9 left side shows, by way of example and not limitation, user B.B. 10B is a main menu screen of the payment application displayed on the display unit 24 of B's terminal 20B.

At the top center of the menu screen, the characters "Payment App" are displayed as the name of the payment application. Also, an icon image and a user name (user BB in this example) in the payment application of the user of this terminal 20B are displayed on the right side of the top of the screen.

Below that, there is a page name display area that indicates the page name of the payment application. In this example, the page name is the main menu of the payment application. It is displayed in the page name display area.

A balance display area BR1 for displaying information on the electronic money balance of the account is configured in the area below the page name display area. In the balance display area BR1, as a non-limiting example, the word "balance" is displayed along with the latest electronic money balance of this account, and a charge button CBT for charging the normal electronic money balance with electronic money. .

When the "remittance" icon IC1 including the characters and illustration of "remittance" displayed at the bottom of the main menu screen is tapped, the screen in the center of FIG. 1-9 is displayed as an example and not as a limitation.
This screen is for setting up a beneficiary account, and as an example and not by way of limitation, the information for specifying the beneficiary account is the text "Please specify the beneficiary" along with the beneficiary account. A search box is displayed for searching by phone number.

Below that, a list of information related to accounts that have made remittance with notification in the past is displayed. Specifically, in this example, user A. An icon image and user name (A.A) corresponding to A and user C.A. An icon image corresponding to C and a user name (C.C) are displayed. In addition, a check box is provided on the left side of each, and when a check box is tapped, a check mark is put in the check box, and the user's account can be designated as the remittance destination account. . In this example, user A. A state in which the check box corresponding to A is checked is shown.

In this state, when the "determine" button BT1 at the bottom of the screen is tapped, the screen on the right side of FIG. 1-9 is displayed as an example and not as a limitation.
This screen is for specifying the remittance amount and notification settings. As an example, not a limitation, at the top of the screen, as information related to specifying the remittance amount, along with the text "Please specify the amount", Information for directly inputting the remittance amount or specifying it using a button is displayed.

Below that, information for making notification settings is displayed. Specifically, by way of example and not limitation, along with the words "remittee", user A.A. An icon image of A and its user name (A.A) are displayed.

User A. A slide button is displayed for setting whether or not to receive information indicating that electronic money has been used by A (hereinafter referred to as "electronic money usage information with notification"). In this example, the notification setting is turned "ON" by tapping or sliding the slide button.

As an example and not as a limitation, by receiving electronic money usage information with notification at the terminal 20 of the user of the destination account and displaying or outputting sound, it is notified that the electronic money with notification has been used by the remittance destination account. be. This notification is referred to as "electronic money usage notification with notification".

In this state, when the "send money" button BT2 at the bottom of the screen is tapped, user A. As an example and not limitation, the left screen of FIG. 1-10 is displayed on the display unit 24 of A's terminal 20A.
This screen is an example of a payment application notification screen displayed on the display unit 24 of the terminal 20A.
Below the page name display area, there is a notification area where the content of the notification is displayed, and on the left side of the notification area is an electronic money remittance result with notification, which is information about the remittance result of electronic money with notification. Information NR1 is displayed.
Note that user A. For A, it is information indicating that electronic money with notification has been received, so it can be considered as electronic money receipt result information with notification.

The electronic money remittance result information with notification NR1 includes, as a non-limiting example, the remitted amount (amount received), the remittance date and time when the electronic money remittance process with notification was performed by the server 10, and the receiving side It includes a "receipt" icon indicating (remittance destination), illustrated information of the remittance source and remittance destination, and a ">confirm details" button for confirming the details.

In this example, "1,000 yen" is displayed as the remittance amount, and next to it, a "receipt" icon indicating that the remittance has been received is displayed. In addition, "April 5, 2021, 10:23" is displayed as the remittance date and time, and the remittance source account is user B. The icon image of B and its username (B.B) are used by user A.B as the destination account. An icon image of A and its user name (A.A) are displayed.

User A. By way of example and not by way of limitation, A taps the "Return to Menu" button BT3 at the bottom of the screen to display, by way of example and not by way of limitation, the main menu screen in the middle of FIGS. 1-10. Similar to the main menu screen of the terminal 20B on the left side of FIG. 1-9, the main menu screen of the terminal 20A has a balance display area BR2.

Here, the balance displayed in the balance display area BR2 can be, for example and not limitation, a sum of the normal electronic money balance and the notified electronic money balance.
By way of example and not limitation, the account with application ID "U001" in FIGS. This is A's account, and the normal electronic money balance is "500 yen". Also, in this example, user B. B to user A.B. "1,000 yen" is remitted to user A as remittance with notice. A receives this. Therefore, the sum of the normal electronic money balance and the notified electronic money balance is "1,500 yen". Therefore, "1,500 yen" is displayed as the electronic money balance in the balance display area BR2.

Afterwards, user A. Suppose, by way of example and not limitation, that A is going to shop at a store. In this case, as a non-limiting example, on the main menu screen in the center of FIG. 1-10, when the "code payment" icon IC2 containing the words "code payment" is tapped, as a non-limiting example, FIG. The screen on the right is displayed.

This screen is a code payment screen for performing code payment, and the page name display area displays the words "code payment".
A wallet code information display area WCR1 in which wallet code information is displayed is formed in the area below it.

In this example, in the wallet code information display area WCR1, as an example and not as a limitation, the wallet code information of the user A.A. A one-dimensional wallet code represented by the characters "balance" indicating the electronic money balance of A and its amount ("1,500 yen" in this example) and a one-dimensional code image (as an example, not as a limitation, a barcode) An image and a two-dimensional wallet code image represented by a two-dimensional code image (as an example and not by way of limitation, a QR code) are displayed.

In this example, a wallet token ("123456789000" in this example) represented by a predetermined number of digits ("12 digits" in this example) is displayed as wallet code information below the one-dimensional code image. ing.
This wallet token may, by way of example and not limitation, be stored in a two-dimensional wallet code image by encoding.

It is not necessary to display both the one-dimensional wallet code image and the two-dimensional wallet code image, and only one of them may be displayed.
Also, the wallet token may not be displayed.
Also, as shown in this figure, information on the expiration date of the wallet code information (as an example, not limitation, the remaining time until the expiration date displayed below the two-dimensional wallet code image) may be displayed, It does not have to be displayed.

Since the wallet code information is code information used for payment (settlement), it may also be referred to as payment code information, payment code information, or the like.

In this embodiment, as an example and not a limitation, if normal electronic money balance<notified electronic money balance, the server 10 can make a payment (settlement process) based on the following.
(a) Payment amount ≤ Normal electronic money balance: Settle from normal electronic money balance (b) Normal electronic money balance < Payment amount ≤ Electronic money balance with notification: Consume from electronic money balance with notification (c) Electronic money balance with notification < Payment amount: Payment not possible (settlement NG)
In other words, in this embodiment, settlement (total settlement) using both the normal electronic money balance and the notified electronic money balance is not performed.

in particular,
In this example, (a) means that payment of 500 yen or less is usually made from the electronic money balance.
In this example, (b) means that payment of more than 500 yen and 1000 yen or less is settled from the electronic money balance with notification.
(c) means that payment of more than 1000 yen is impossible in this example.

Note that, in this embodiment, as in (c) above, if the payment amount exceeds the maximum value of the electronic money balance with notice, payment is not allowed. Therefore, the balance displayed in the wallet code information display area can be used as the electronic money balance with notification.

Also, when the payment is made in (a) above, the payment may be made from the electronic money balance with notification, as in (b) above. In other words, settlement may be performed by using the notified electronic money balance with priority over the normal electronic money balance.

By way of example and not limitation, if normal e-money balance≧notified e-money balance, server 10 may be configured to make a payment (settlement process) based on the following.
(d) Payment amount ≤ Electronic money balance with notification: Settle from electronic money balance with notification (e) Electronic money balance with notification < Payment amount ≤ Normal electronic money balance: Consume from normal electronic money balance (f) Normal electronic money balance < Payment amount: Payment not possible (settlement NG)

When the payment is made in (d) above, the payment may be made from the normal electronic money balance as in (e) above. That is, the normal electronic money balance may be preferentially used over the notified electronic money balance for settlement.

In the code payment screen on the right side of FIG. 1-10, as an example and not limitation, when the one-dimensional wallet code image or the two-dimensional wallet code image is read by the code reader 58 of the store code reader device 50, the payment is made by the server 10. will be
In this example, user A. Assume that A purchased a book for "1,000 yen" at "XX bookstore". As a result, by way of example and not limitation, the left screen of FIGS. 1-11 is displayed.

In this example, in addition to the image and characters of the robot indicating that the payment has been completed, the payment amount (“1,000 yen” in this example) and the date and time of payment (“2021 April 14:50 on the 5th of the month") and the payee ("XX bookstore" in this example) are displayed.

When the "Confirm" button BT4 at the bottom of the screen is tapped, the screen in the middle of FIG. 1-11 is displayed, by way of example and not limitation. This screen is the aforementioned main menu screen, and the balance displayed in the balance display area BR2 is reduced from "1,500 yen" to "500 yen" by the payment.

The right side of FIG. 1-11 shows user B., who in this case is the user of the notify account. FIG. 10 is a diagram showing an example of a payment application notification screen displayed on the display unit 24 of the terminal 20B of B;
This notification screen displays the electronic money remittance result information with notification NR2 corresponding to the electronic money remittance result information with notification NR1 displayed on the notification screen of the terminal 20A shown on the left side of FIG. 1-10.

The electronic money remittance result information with notification NR2 includes, as a non-limiting example, the remittance amount, remittance date and time, a "remittance" icon indicating the remittance source of the electronic money with notification, the remittance source and the remittance destination. Illustrated information and a ">Confirm Details" button are included.

User A. The electronic money with notification sent to user A is sent to user A.A. Electronic money usage information NU2 with notification indicating that it has been used by A is displayed.
This electronic money usage information NU2 with notification includes, as an example and not limitation, the date and time when the amount remitted by remittance with notification was used (in this example, "April 5, 2021, 14:50"), and (In this example, "Electronic money sent to A.A was used") and a ">Confirm details" button are included.
With this notification-attached electronic money usage information NU2, user A.A. User B. who sent money to A. B will send the remitted amount to user A.B. It can be seen that it was used by A.

<Processing>
1-12 and 1-13 are flowcharts showing an example of the flow of processing executed by each device in this embodiment.
In this drawing, from the left side, processing executed by the control unit 21 of the terminal 20A, processing executed by the control unit 21 of the terminal 20B, processing executed by the control unit 11 of the server 10, and processing executed by the store POS system 40 are shown. An example is shown.

Note that the processing described below is merely an example of processing for realizing the technique of the present disclosure, and is not limited to these.
Another step may be added to the processing described below, or some steps may be omitted (deleted) from the processing described below.

Here, as with the display screen,
- Remittance source account = User B. Account of B (user of the first terminal) Remittance destination account = User A.B. Account of A (user of second terminal) - Notification destination account = remittance source account = user B. An example of the processing in the case of an account of B (the user of the first terminal) is shown.

First, the control unit 21 of the terminal 20B performs an electronic money remittance with notification setting process as a setting process for the remittance of electronic money with notification based on the user's input to the input/output unit 23 (B110). Specifically, for example and not limitation, the amount to be remitted, the remittance destination account (user AA's account in this example), whether or not to perform electronic money notification with notification (ON/OFF), the notification destination account ( In this example, settings such as user B.B's account are performed.

Next, the control unit 21 of the terminal 20B, as a non-limiting example, transmits electronic money remittance request information with notification including the application ID of the remittance source account and the setting information set in B110 to the server 10 via the communication I/F 22. (B120).

When the electronic money remittance request information with notification is received from the terminal 20B through the communication I/F 14, the control unit 11 of the server 10 performs electronic money remittance processing with notification (S110).
Specifically, based on the setting information, user B. Subtract the remittance amount from the normal electronic money balance of B's account management data. Also, user A. In the electronic money management data with notification in the account management data of A, the notification destination ID ("U0002" in this example), the name of the notifier ("User BB" in this example), and the electronic money balance with notification (remittance Add a record associated with

After that, the control unit 11 of the server 10 transmits electronic money remittance result information with notification, which is information about the electronic money remittance result with notification, to the terminals 20A and 20B via the communication I/F 14 (S120).
The control unit 21 of the terminal 20A and the control unit 21 of the terminal 20B cause the display unit 24 to display the electronic money remittance result information received from the server 10 (A110, B130).

After A110, the control unit 21 of the terminal 20A transmits the wallet payment request information to the server 10 through the communication I/F 22 based on the user's input to the input/output unit 23 (A120).
When the wallet payment request information is received from the terminal 20A via the communication I/F 14, the control unit 11 of the server 10 generates the aforementioned wallet code information as an example, not a limitation, and transmits it to the terminal 20A via the communication I/F 14. (S130).
Note that the electronic money balance information may be included in the wallet code information.

When the wallet code information is received from the server 10 through the communication I/F 22, the control unit 21 of the terminal 20A displays the received wallet code information on the display unit 24 (A130). The wallet code information displayed on the display unit 24 is read by the store code reader device 50 (code reader 58) of the store POS system 40 (P110).

The shop code reader device 50 transmits payment request information including shop information (store ID, etc.), payment request amount, wallet token included in the read wallet code information, etc., to the server 10 via the communication I/F 44 as an example and not limitation. (P120).

When payment request information is received from the store POS system 40 via the communication I/F 14, the control unit 11 of the server 10 performs payment processing (S140). In this case, the control unit 11 performs settlement based on the above-described methods (a) to (f) as an example and not as a limitation.

After that, the control unit 11 of the server 10 transmits payment result information, which is information about the payment result, to the terminal 20A and the store POS system 40 through the communication I/F 14 (S150).

The control unit 21 of the terminal 20A causes the display unit 24 to display the settlement result information received from the server 10 (A140). Then, the control unit 21 of the terminal 20A terminates the process.

Similarly, the control unit 51 of the store code reader device 50 causes the display unit 53 to display the settlement result information received from the server 10 (P130). Then, the control section 51 of the store code reader device 50 terminates the processing.

After S150, the control unit 11 of the server 10 determines whether or not the electronic money balance with notification is used for settlement in the settlement process of S140 (S160).
If it is determined that it has not been used (S160: NO), the control unit 11 of the server 10 terminates the process.
On the other hand, if it is determined that it has been used (S160: YES), the control unit 11 of the server 10 transmits electronic money usage information with notification to the terminal 20B via the communication I/F 14 (S170). Then, the control unit 11 of the server 10 terminates the process.

After B130, the control unit 21 of the terminal 20B determines whether or not the electronic money usage information with notification is received from the server 10 via the communication I/F 22 (B140).
If it is determined that it has not been received (B140: NO), the control unit 21 of the terminal 20B terminates the process.
On the other hand, if it is determined that it has been received (B140: YES), the control section 21 of the terminal 20B causes the display section 24 to display the received electronic money usage information with notification (B150). Then, the control unit 21 of the terminal 20B terminates the process.

<Effect of the first embodiment>
In this embodiment, the server 10 is configured for notification by the user of the terminal 20 (not limited, but an example of the first terminal) of the user of the remittance source account (not limited, but an example of the user of the first terminal). remittance request information (not limited, but an example of information related to remittance of the first electronic money) of electronic money with notification (not limited, but an example of first electronic money) that is electronic money received.
In addition, based on the reception of the remittance request information, the server 10 controls to store the electronic money with notification to be remitted to the user of the remittance destination account in the balance of the electronic money with notification (not limited to, the remittance to the user of the second terminal). (an example of control for storing the first electronic money in association with the user of the second terminal) is performed by the control unit 11 .
In addition, the server 10 communicates electronic money remittance result information with notification (not a limitation, but an example of second information indicating that remittance has been made from the first terminal to the user of the second terminal) based on the reception of the remittance request information. It is transmitted to the terminal 20 of the user of the remittance destination account by the I/F 14 .
Then, based on the fact that at least a part of the electronic money with notification has been used by the user of the remittance destination account, the server 10 sends the electronic money usage information with notification (an example of notification, not limitation) to the user of the notification destination account. It shows a configuration for transmission to a terminal 20 (an example of a third terminal, not a limitation).
As an example of the effect of the embodiment obtained by such a configuration, the first information, which is information related to remittance of the first electronic money for which the user of the first terminal has made notification-related settings, to the user of the second terminal Based on the reception from the first terminal, the first electronic money to be remitted to the user of the second terminal is stored in association with the user of the second terminal, and the user of the second terminal is notified that the remittance has been made from the first terminal. can let you know. Also, it is possible to inform the user of the third terminal of the fact that at least part of the first electronic money has been used by the user of the second terminal.

In this case, the electronic money usage information with notification may include information indicating that at least part of the electronic money with notification has been used by the user of the remittance destination account.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to inform the user of the third terminal that at least part of the first electronic money has been used by the user of the second terminal.

Also, in this embodiment, the terminal 20 of the user of the account to be notified (not limited, but an example of a third terminal) is the terminal 20 of the user of the remittance source account (an example of a first terminal, not limited). is shown.
As an example of the effect of the embodiment obtained by such a configuration, the user of the first terminal, who has made settings regarding notification, is notified that at least part of the first electronic money has been used by the user of the second terminal. can.

As one example, it is conceivable that a parent (mother, father) sends electronic money to a child in order to have the child do shopping or the like.
In this case, by way of example and not limitation, the mother's account is the source account. In this case, the mother's terminal 20 becomes the first terminal.
Also, by way of example and not limitation, the child's account is the destination account. In this case, the child's terminal 20 becomes the second terminal.
Also, by way of example and not limitation, the mother's account is set as the notification destination account. In this case, the mother's terminal 20 becomes the third terminal (=first terminal).
Then, when the child uses the electronic money with notification sent from the mother to pay for shopping or the like using the child's own account, the mother's account can be notified.

In addition, in the present embodiment, the server 10 uses notification-attached electronic money (not a limitation, but an example of a first electronic currency for which notification is set) and normal electronic money (not a limitation, for the user of the second terminal (an example of the associated second electronic money) is shown.
As an example of the effect of the embodiment obtained by such a configuration, a first electronic currency for which notification is set and a second electronic currency for which notification is not set and which is associated with the user of the second terminal. It is possible to distinguish and manage them, and it is possible to improve user's convenience.

<First modification (1)>
In the above embodiment, it may be possible for the user of the source account to set the content to be notified to the destination account.

FIG. 1-14 is a diagram showing an example of an account management database 155B, which is an example of the account management database 155 in this modification.
The information stored in each account management data included in the account management database 155B is the same as that in the account management database 155A, but part of the information stored in the electronic money management data with notification is different.

Specifically, in addition to the notified party ID, the name of the notifier, and the balance of the electronic money with notification, the notification contents are stored in the electronic money with notification management data.
The content of the notification is more detailed than that to be notified to the account to which notification is made. As an example, not limited, information such as the "amount" at which the electronic money with notification was used, the "store" at which the electronic money with notification was used, etc. can be included in this.

In addition to this, the notification content may or may not include information such as the product or service purchased at the store where the payment is made. In this case, the store POS system 40 may include, as a non-limiting example, information regarding the product or service that the user is about to purchase in the payment request information and transmit the payment request information to the server 10 .

Also, at least one of the various types of information described above may be stored. That is, one piece of information may be stored, or two or more pieces of information may be stored.

Each time electronic money with notification is remitted from the remitter account to the remittee account, the ID of the notifier, the name of the notifier, the balance of the electronic money with notification, and the notification content are associated with each other, and the electronic money with notification is created as a new record. Added to and stored in money management data.

The control unit 11 of the server 10 receives the information capable of identifying the content of the notification sent from the store POS system 40 in step P120 of FIG. 1-13, and performs the settlement process of S140 of FIG. 1-13. Then, in step S170 of FIG. 1-13, the control unit 11 of the server 10 includes the notification contents in the electronic money usage information with notification and transmits the information to the terminal 20 of the user of the notification destination account. Then, the terminal 20 of the user of the notification destination account displays the electronic money usage information with notification including the notification content on the display unit 24 .

FIG. 1-15 is a diagram showing an example of transition of the display screen of the terminal 20 in this modified example.
The left side of FIG. 1-15 shows user B., who is the user of the source account. It is an example of the remittance screen of the payment application displayed on the terminal 20B of B, and is the screen corresponding to the right side of FIG. 1-9.

In this example, an area for setting notification content is configured in an area for setting whether or not to receive an electronic money usage notification with notification.
Specifically, as a non-limiting example, three items of "amount", "payee", and "details" are displayed along with the text "notification content", and each item is associated with A check box is displayed. When a check box is tapped, the check box is checked, and the item can be included in the notification contents. In this example, a check box corresponding to the item "amount" and a check box corresponding to the item "payee" are both checked, and the "remittance" button BT2 is tapped. there is

The center of FIG. 1-15 shows user A. 1-11 is a code payment completion screen similar to the screen on the left side of FIG. 1-11. FIG.

The right side of FIG. 1-15 shows user B., who is the notification destination in this case. 1-11. It is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20B of B, and is the screen corresponding to the right side of FIG. 1-11.
In this notification screen, electronic money usage information NU3 with notification is displayed instead of electronic money usage information NU2 with notification in the screen on the right side of FIG. 1-11.

In this electronic money usage information NU3 with notification, in addition to the information included in the electronic money usage information NU2 with notification on the screen on the right side of FIG. The amount (“1,000 yen” in this example) and the payee (“XX bookstore” in this example) are displayed.

In this modification, the server 10 can incorporate the content of notification into the electronic money usage information with notification and send it to the terminal 20 of the user of the notification destination account in step S170 of FIG. 1-13.

In this modification, the electronic money usage information with notification includes the payment amount by the user of the remittance destination account (not limited, but an example of the amount of the first electronic money used), the payment destination (not limited, the second terminal (an example of a place used by a user of ), and shows a configuration including at least one of the purchased goods and services.
As an example of the effect of the embodiment obtained by such a configuration, the amount of the first electronic money spent by the user of the second terminal, the location used by the user of the second terminal, and the purchase by the user of the second terminal At least one of the product purchased and the service purchased by the user of the second terminal can be notified to the user of the third terminal.

<First modification (2)>
It is also possible for the server 10 to manage the electronic money balance with notice and the normal electronic money balance without distinguishing between them.

FIG. 1-16 is a diagram showing a data configuration example of an account management database 155C, which is an example of the account management database 155 in this modification.
Each account management data stores, by way of example and not limitation, an application ID, an electronic money balance, and electronic money usage notification destination management data.

The electronic money balance is a common balance that does not distinguish between the normal electronic money balance and the notified electronic money balance.

The electronic money use notification destination management data is data for managing the notification destination when electronic money with notification is used, and as an example, not limitation, the notification destination ID and the notification person name are stored in association with each other. be.

In this modification, the server 10, at step S110 in FIG. Subtract the remittance amount from the electronic money balance of B's account management data. Also, the server 10 is configured for the user A. Create a record that associates the notification destination ID ("U0002" in the above example) with the notifier name ("User BB" in the above example) in the electronic money use notification destination management data of A's account management data. Along with the addition, the amount of the remittance amount is added to the electronic money balance.

Further, when the server 10 determines that the electronic money has been used and the electronic money balance has become "0", the server 10 clears the electronic money use notification destination management data.

In this modification, the server 10 is configured such that the electronic money with notification (not limited, but an example of the first electronic money with notification set) and the normal electronic money (not limited, but associated with the user of the second terminal) (an example of the second electronic money) is stored by the control unit 11 without being distinguished from each other.
As an example of the effect of the embodiment obtained by such a configuration, a first electronic currency for which notification is set and a second electronic currency for which notification is not set and which is associated with the user of the second terminal. can be managed independently.

<First modification (3)>
When making a payment in the first embodiment, there may be a case where the payment cannot be made (payment NG) due to, for example, insufficient electronic money balance. An example of this is the cases (c) and (f) described above.
In such a case, if the server 10 determines that payment cannot be made in the payment process, the terminal 20 of at least one of the terminal 20 of the user of the remittance account and the terminal 20 of the user of the notification destination account In addition, the balance shortage notification and the payment failure notification may be sent by transmitting the balance shortage information and the payment failure information.

<Second embodiment>
The second embodiment is an embodiment in which notification of use of electronic money with notification is given in accordance with the balance of the electronic money with notification.

The content described in the second embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

In this embodiment, if the balance of the electronic money with notification is equal to or less than the set amount (set value) or is smaller than the set amount, the use notification of electronic money with notification is not sent. This is because, as an example and not a limitation, if the balance of the electronic money with notification is small to some extent, it is difficult to make a large payment using the electronic money with notification. The set amount may be set by the user of the source account (not by limitation, by the user of the first terminal), by way of example and not by way of limitation.
Note that this is not limited to this, and may be set by the server 10 (user of the server 10), or may be set by the user of the notification destination account (not limited to this, but an example of the user of the third terminal). can be

<Processing>
FIG. 2-1 is a flow chart showing an example of the flow of processing executed by each device in this embodiment, showing a portion corresponding to FIG. 1-13.
By way of example and not limitation, in step B110 of FIGS.

If it is determined in S160 that the electronic money balance with notification has been used (S160: YES), the control unit 21 of the terminal 20B determines whether or not the electronic money balance with notification is equal to or less than the set amount (S210).
If it is determined that the balance of the electronic money with notification is equal to or less than the set amount (S210: YES), the control section 21 of the terminal 20B terminates the process.
On the other hand, if it is determined that the electronic money balance with notice exceeds the set amount (S210: NO), the control unit 21 of the terminal 20B advances the process to S170.

In S210, the control unit 21 of the terminal 20B may determine whether or not the balance of electronic money with notification is less than the set amount.

<Effect of Second Embodiment>
In this embodiment, when the balance of electronic money with notification is equal to or less than the set amount or is smaller than the set amount, the notification of use of electronic money with notification is sent by the server 10 to the terminal 20 (not limited to the third terminal) of the user of the notification destination account. example).
As an example of the effect of the embodiment obtained by such a configuration, it is possible to prevent the server from transmitting the notification to the third terminal when the electronic money balance with notification is small to some extent.

<Second modification (1)>
The conditions for performing or not performing the electronic money use notification with notification are not limited to those described in the above embodiments.
As a non-limiting example, if the amount of electronic money with notification used per time is equal to or less than a set amount, or less than the set amount, the server 10 may not transmit an electronic money usage notification with notification. This is because if the amount of money used per transaction is small, it may not be a high-risk use of electronic money with notification.

Also, as an example and not a limitation, the notification may be made at set timing instead of every time the electronic money with notification is used. In this case, as a condition for notification, the following can be exemplified as an example, not as a limitation.
・Set timing (once a month, once a week, etc.)
・When all electronic money with notification is used ・When the amount of electronic money with notification used is equal to or greater than the set amount ・The ratio of the amount of electronic money with notification used is the set percentage or more, or greater than the set percentage ・When the number of times or frequency of use of e-money with notification is greater than or equal to the set value (e.g., 5 times or more within 24 hours), or when greater than the set value ・Above two or more combinations of

The above various conditions may be set by the user of the source account (not by limitation, by the user of the first terminal), by way of example and not by way of limitation.
Note that this is not limited to this, and may be set by the server 10 (user of the server 10), or may be set by the user of the notification destination account (not limited to this, but an example of the user of the third terminal). can be

In this modification, the notification of use of electronic money with notification is sent by the user of the remittee account (an example of the user of the second terminal, not limitation) of the electronic money with notification (an example of the first electronic money, not limited) It shows a configuration that is not sent by the server 10 if the amount spent is less than or equal to the set amount.
As an example of the effect of the modification obtained by such a configuration, when the amount of money used by the user of the second terminal in the first electronic money is small to some extent, the notification is not sent from the server to the third terminal. be able to. As a result, the effort of the user of the third terminal to confirm the notification can be reduced.

In addition, this modification shows a configuration in which the electronic money usage notification with notification is transmitted by the server 10 at the timing set by the user of the remittance source account (not limited to, but an example of the user of the first terminal). there is
As an example of the effect of the modification obtained by such a configuration, a notification can be transmitted from the server to the third terminal at a timing arbitrarily set by the user of the first terminal.

<Second modification (2)>
Information on the usage history of electronic money with notification may be displayed on the terminal 20 of the user of the notification destination account so that the user of the notification destination account can check the usage history of electronic money with notification.

FIG. 2B is a diagram showing an example of information and the like stored in the storage unit 15 of the server 10 in this modified example.
The storage unit 15 stores payment history management data 157 as an example, not as a limitation, in addition to the programs and data described above.

FIG. 2-3 is a diagram showing an example of the data configuration of the payment history management data 157. As shown in FIG.
The payment history management data is data for managing the payment history of payments from the normal electronic money balance without notification and the payment history of payments from the electronic money balance with notification. , the application ID, the name of the store used, the settlement date and time, and the settlement amount are stored in association with each other.

The payment ID is identification information for uniquely identifying a payment, and for example and not limitation, a unique ID is set by the server 10 each time a payment is made with electronic money.

As the application ID, the server 10 stores the application ID of the terminal 20 (or the user of the terminal 20) that performed the payment (processing related to payment).
The server 10 stores the store name of the store that requested the settlement of the settlement ID as the used store name.
As the payment date and time, the server 10 stores the date and time when the server 10 performed the payment processing for the payment ID.
The payment amount of the payment ID is stored by the server 10 as the payment amount.

Note that the store ID of the store that requested the settlement of the settlement ID may be stored instead of the name of the store used.

FIG. 2-4 is a diagram showing an example of the account management database 155D, which is an example of the account management database 155 in this embodiment.
Each account management data included in the account management database 155D includes an application ID, a normal electronic money balance, electronic money management data with notification, and electronic money usage history data with notification as an example and not limitation. remembered.

In this data, in the electronic money management data with notification, for example and not limitation, a remittance management ID, a notification destination ID, a notifier name, and an electronic money balance with notification are stored in association with each other.

Unlike the electronic money management data with notification described above, in this embodiment, the remittance management ID is associated with a notification destination ID, a notifier name, and a balance of electronic money with notification.

The remittance management ID is an ID for uniquely identifying a remittance of electronic money with notification. As an example, not a limitation, each time a remittance of electronic money with notification is executed by the server 10, a different ID is assigned to each server 10. set and stored.
By way of example and not limitation, user B. User A.B from the same account of B. Even if electronic money with notification is sent to the same account of A, different IDs are set for each.

The electronic money usage history data with notification is data related to the usage history of electronic money with notification. stored.

Among the payment IDs stored in the payment history management data 157, the payment ID corresponding to the payment made using the electronic money with notification is stored in the payment ID.
By storing this payment ID, the server 10 can specify the necessary amount of money even when goods or services are returned.

In the remittance management ID, a remittance management ID corresponding to the balance of electronic money with notification used for settlement of this settlement ID among the remittance management IDs stored in the electronic money with notification management data is stored.

As the used store name, the used store name corresponding to this settlement ID among the used store names stored in the settlement history management data 157 is stored.

Among the payment dates and times stored in the payment history management data 157, the payment date and time corresponding to this payment ID is stored as the usage date and time.

The amount of money used stores the amount of electronic money with notification used for the payment of this payment ID among the payment amounts stored in the payment history management data 157 .

In this embodiment, the server 10 performs settlement by the methods (a) to (f) described above.
Of these, in the above-described cases (b) and (d), since the payment is made from the electronic money balance with notice, the amount can be stored as the amount used.

Although the details will be described later, it is also possible to make settlement using both the normal electronic money balance without notification and the electronic money balance with notification. In this case, the sum of these amounts is stored as the settlement amount in the settlement history management data 157 (FIG. 2-3).
Also, in this case, the amount of electronic money with notification used for payment of the payment amount can be stored as the amount used in the electronic money usage history data with notification (FIG. 2-4).

By way of example and not limitation, the account management data illustrated at the foremost side of FIGS. The remittance management ID "T01003" in the electronic money management data with notification, which is the account management data of B.A, is the remittance source user B.A. "2,000 yen" was transferred by electronic money remittance with notification from B, and the electronic money balance with notification was "2,000 yen".
After that, the electronic money with notification is used to make payments for the payment IDs "P21053", "P29903", and "P32306" in the electronic money usage history data with notification, and the total amount used is "1,000 yen + 400 yen". Yen + 200 Yen = 1,600 Yen", so the electronic money balance with notification is "2,000 Yen - 1,600 Yen = 400 Yen".

The left side of FIG. 2-5 shows user B., who is the user of the remittance source account and the user of the notification destination account in this modification. FIG. 10 is a diagram showing an example of a payment application notification screen displayed on the display unit 24 of the terminal 20B of B;

Electronic money usage information NU21 with notification is displayed on this notification screen.
This electronic money usage information NU21 with notification is provided with a "confirm usage history" button BT21 including characters of "view usage history" for the user to confirm the usage history of the remittance with notification, as an example and not as a limitation. It is

When this "use history confirmation" button BT21 is tapped, the screen in the center of FIG. 2-5 is displayed as an example and not as a limitation.
This screen is an example of an electronic money usage history screen with notification in a payment application. The icon image of A and its user name (A.A), the total amount of remittance with notification ("2,000 yen" in this example), and the unused amount ("400 yen" in this example) is displayed.

In addition, below that, as an example, but not limited to, a user selects to be able to view the electronic money usage history with notification for a predetermined period in the past, such as "1 week", "1 month", and "6 months". Possible selection information is provided. This selection information is similar to tabs, and is referred to here as a "selection tab" for convenience.

In this example, when the selection tab corresponding to "one week" is tapped, the selection tab is highlighted, and below it, the usage history of e-money with notification for the past one week is listed. ing. Specifically, in this example, a payment of "1,000 yen" at "XX bookstore", a payment of "400 yen" at "convenience store YY", and a payment of "200 yen" at "ZZ supermarket" payment is displayed. That is, "1,600 yen" out of the total amount of remittance with notice ("2,000 yen" above) has been used.

Further, below it, a "use status check" button BT22 including characters of "view usage status" is provided for the user to check the specific usage status of the electronic money with notification. When this "Confirm usage" button is tapped, by way of example and not limitation, the screen on the right side of FIG. 2-5 is displayed.
As an example and not a limitation, a transition graph of the electronic money balance with notification corresponding to the period displayed when the "use status check" button BT22 was tapped is displayed. In this example, when the "confirm usage status" button BT22 is tapped, the electronic money usage history with notification for the past "one week" displayed on the screen in the center of FIG. 2-5 is shown in FIG. -5 On the right side of the screen, a transition graph of e-money balance with notifications for the past “one week” period (in this example, “period from April 5, 2021 to April 11, 2021”) is displayed. ing.

Further, below the transition graph, a "view usage history list" button BT23 including characters "view usage history list" is provided, and when this "view usage history list" button BT23 is tapped, , to return to the center screen of Figure 2-5.

In this variation, by way of example and not limitation, various devices may be adapted to perform the processes in accordance with FIGS. 1-12 through 2-1.
As an example and not a limitation, the electronic money remittance result information with notification may include the remittance management ID set by the electronic money remittance with notification process.

In this process, the control unit 21 of the terminal 20 of the user of the notification destination account stores the electronic money usage information with notification in the storage unit 28 as an example and not as a limitation. Based on the user input, the control unit 21 of the terminal 20 of the user of the notification destination account displays the usage history of the electronic money with notification on the display unit 24 based on the electronic money usage information with notification stored in the storage unit 28. can be displayed on

In addition, unlike this, the control unit 21 of the terminal 20 of the user of the notification destination account transmits the electronic money usage history data request information with notification to the server 10, and the control unit 11 of the server 10 sends the electronic money usage with notification The history data may be transmitted to the terminal 20 of the user of the notification destination account.

In this case, as an example and not a limitation, the control unit 21 of the terminal 20 of the user of the notification destination account generates a transition graph based on the electronic money usage information with notification stored in the storage unit 28. can do.
In addition, unlike this, the control unit 11 of the server 10 generates a transition graph based on the electronic money usage history data with notification (FIG. 2-4) and transmits it to the terminal 20 of the user of the notification destination account. can be

In this modification, the server 10 stores information about the usage history of electronic money with notification (not limited, but an example of the first electronic money) by the user of the remittance destination account (not limited, but an example of the user of the second terminal). , to the terminal 20 of the user of the notification destination account (not limited, but an example of a third terminal).
As an example of the effect of the modification obtained by such a configuration, based on the fact that at least part of the first electronic money is used by the user of the second terminal, the user of the third terminal is provided with information about the usage history of the first electronic money. can let you know.

<Second modification (3)>
As described above, by storing the payment ID in the payment history management data 157, the server 10 can specify the necessary amount of money even when goods or services are returned.
In this case, when at least part of the electronic money with notice used by the user of the remittee account is to be refunded, the control unit 11 of the server 10 retrieves the payment ID sent from the store POS system 40 from the payment history management data 157. Identify. This is to confirm whether or not the payment has been made and to specify the payment amount.

Next, the control unit 11 of the server 10 refers to the electronic money usage history data with notification included in the account management data of the user of the remittance destination account in the account management database 155D, and determines the remittance management ID corresponding to the specified settlement ID. identify.

If there is no remittance management ID corresponding to the identified payment ID, it means that the electronic money with notice was not used for payment. Therefore, the refund amount is usually added to the electronic money balance. When a payment is made using only normal electronic money, the payment amount corresponding to the specified payment ID in the payment history management data 157 is the amount refunded to the normal electronic money balance.

On the other hand, if there is a remittance management ID corresponding to the identified payment ID, it means that electronic money with notification was used for the payment. Therefore, the usage amount corresponding to the specified settlement ID is specified from the electronic money usage history data with notification, and the usage amount is transferred to the electronic money balance with notification of the corresponding remittance management ID in the electronic money management data with notification. add to

In this modification, when refunding at least part of the electronic money with notification used by the user of the remittance destination account, the server 10 returns the remittance destination account with notification set for at least part of the electronic money with notification. It shows a configuration in which the control unit 11 controls the refund to the user of the account.
As an example of the effect of the modification obtained by such a configuration, when at least part of the first electronic money used by the user of the second terminal needs to be refunded, at least part of the first electronic money With the notification set, the refund can be made to the user of the second terminal.

<Third embodiment>
The third embodiment is an embodiment that allows the user of the remittance destination account to confirm the remittance of the electronic money with notification and the association of the electronic money with notification with the remittance destination user's account.

The content described in the third embodiment can be applied to each of the other embodiments and modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Display screen>
The left side of FIG. 3-1 shows user A. who is the user of the destination account. FIG. 10 is a diagram showing an example of a payment application notification screen displayed on the display unit 24 of the terminal 20A of A. FIG.
On this notification screen, on the left side of the notification area, user B. Electronic money receipt confirmation information with notification NC31 for confirming receipt of electronic money with notification from B is displayed.

This electronic money receipt confirmation information with notification NC31 includes, as a non-limiting example, an amount to be remitted (“1,000 yen” in this example), a “receipt” icon indicating the recipient, User B.B. An illustration showing that a notification is made to B, the date and time of transmission by the server 10 of the electronic money receipt confirmation information NC31 with notification, and "Electronic money with notification has arrived (the usage status is notified to B.B. )” and user B. B to user A.B. An illustration indicating remittance to A and a ">confirm details" button are displayed. In addition, a "decline" button BT31 for refusing receipt of electronic money with notification and an "accept" button BT32 for permitting receipt of electronic money with notification are displayed.

Note that user A. Since A has not yet received the electronic money with notification, the electronic money with notification receipt confirmation information NC31 uses the expression "electronic money with notification has arrived" as an example, not as a limitation.

When the "decline" button BT31 is tapped, user B. B to user A.B. Remittance of electronic money with notification to A is not performed. Also, user B., who is the user of the remittance source account. On the display unit 24 of B's terminal 20B, as an example and not as a limitation, a screen such as the one shown on the right side of FIG. 3-1 is displayed.
This screen is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20B. Electronic money receipt refusal information ND31 is displayed.

Specifically, as an example and not as a limitation, the date and time of transmission by the server 10 of this electronic money receipt refusal information ND31 with notice, the characters "failed in remittance of electronic money with notice to A.A", and the remittance The amount of money (in this example, "1,000 Yen") and a ">Confirm Details" button labeled ">Confirm Details" are displayed.

On the other hand, when the "Receive" button BT32 is tapped on the screen on the left side of FIG. B to user A.B. Remittance of electronic money with notification to A is performed.

<Processing>
3-2 and 3-3 are flowcharts showing an example of the flow of processing executed by each device in this embodiment.
Upon receiving the electronic money remittance request information with notification from terminal 20B, control unit 11 of server 10 transmits electronic money receipt confirmation information with notification to terminal 20A via communication I/F 14 (S310).
In this case, the notification-attached electronic money receipt confirmation information can include, for example and not limitation, information indicating that notification is set for electronic money remitted to the user of the terminal 20A.

In response to this, the control unit 21 of the terminal 20A causes the display unit 24 to display the received electronic money receipt confirmation information with notification (A310).

Thereafter, the control unit 21 of the terminal 20A determines whether or not to receive the notification-attached electronic money based on the user's input to the input/output unit 23 to accept the receipt (A320). If it is determined not to receive it (A320: NO), the control unit 21 of the terminal 20A terminates the process.

On the other hand, if it is determined to receive (A320: YES), the control unit 21 of the terminal 20A transmits electronic money receipt approval information with notification to the server 10 via the communication I/F 22 (A330).

After S310, the control unit 11 of the server 10 determines whether or not the electronic money receipt acceptance information with notification has been received from the terminal 20A (S320). transfer processing.

On the other hand, if it is determined that it has not been received (S320: NO), the control unit 11 of the server 10 transmits notification-attached electronic money reception rejection information to the terminal 20B via the communication I/F 14 (S330).

After B120, the control unit 21 of the terminal 20B determines whether or not the electronic money reception refusal information with notification has been received from the server 10 (B310). perform the steps in

On the other hand, if it is determined that it has been received (B310: YES), the control section 21 of the terminal 20B causes the display section 24 to display the received notification-attached electronic money reception refusal information (B320). Then, the control unit 21 of the terminal 20B terminates the process.

In the above process, the control unit 11 of the server 10 does not transmit the electronic money receipt confirmation information with notification to the terminal 20A in step S310, but in step S120, the electronic money sent to the user of the terminal 20A. The electronic money remittance result information with notification may be transmitted to the terminal 20A by including information indicating that the notification is set for the money.

In the above process, the control unit 21 of the terminal 20A may execute step A330 after step A310 without executing step A320.

<Effect of the third embodiment>
In this embodiment, the server 10 receives electronic money receipt confirmation information with notification (not limited to, notification setting information indicating that notification is set for the first electronic money remitted to the user of the second terminal). example) is transmitted to the terminal 20 of the user of the remittance destination account via the communication I/F 22 .
As an example of the effect of the embodiment obtained by such a configuration, it is possible to notify the user of the second terminal that notification is set for the first electronic money remitted to the user of the second terminal. .

In this case, based on the transmission of the electronic money receipt confirmation information with notification, the server 10 receives the electronic money receipt acceptance information with notification transmitted from the terminal 20 of the user of the remittee account (not limited to, the second An example of permission information regarding permission for remittance to the user of the terminal) is received by the communication I/F 14 . The electronic money with notification is stored in association with the user of the remittance destination account based on the reception of this electronic money receipt approval information with notification.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to prevent the first electronic money from being stored in association with the user of the second terminal without permission from the user of the second terminal.

<Third modification (1)>
By way of example and not by way of limitation, a malicious source account user may intentionally send notifiable electronic money in an attempt to learn information such as the location of the destination account user.
Also, as a non-limiting example, in the example of the parent and child mentioned above, it is possible that the child who received the electronic money with notification may remit the electronic money with notification to a complete stranger by tipping, which is a kind of gifting function. It is possible.

Therefore, when the electronic money with notification is used, it is necessary to notify the terminal 20 of the user of the notification destination account before at least part of the electronic money with notification is used by the user of the remittance destination account. , it is also possible to inform the remittance destination account.

FIG. 3-4 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 3-4 shows user A., who is the user of the destination account. It is a code payment screen displayed on the display unit 24 of A's terminal 20A.
When the wallet code information displayed in the wallet code information display area WCR1 is read by the store code reader device 50, the wallet code information display area WCR1 of the code payment screen is displayed as shown in the center of FIG. so that at least part of the electronic money with notification is used by the remittance destination account (in this example, user AA's account), the notification destination account (in this example, user BB's Electronic money usage confirmation information with notification NE31 is displayed, which is information for notifying the user of the remittance destination account that an electronic money usage notification with notification will be sent to the remittance destination account.

Specifically, in this example, the characters "This payment will be notified to BB. Are you sure?" , and a “Stop” button T34 for refusing to use the electronic money with notification and stopping the payment.

When the "pay" button BT33 is tapped, the server 10 performs settlement processing. Then, user B. who is the user of the remittance source account and the user of the notification destination account. The screen on the right side of FIG. 3-4 is displayed on the display unit 24 of B's terminal 20B as an example and not a limitation.
This screen is a notification screen of the payment application, and the user B.B on the left in the notification area. B to user A.B. Under the electronic money remittance result information with notification NR2 indicating that the remittance of electronic money with notification to A is completed, user A.A. Electronic money with notification usage information NU3 indicating that electronic money with notification has been used by A is displayed.

FIG. 3-5 is a flow chart showing an example of the flow of processing executed by each device in this modified example.
After S120, when the wallet payment request information is received from the terminal 20A, the control unit 11 of the server 10 transmits electronic money use confirmation information with notification to the terminal 20A via the communication I/F 14 (S340). This electronic money usage confirmation information includes, as a non-limiting example, use of at least a portion of the electronic money with notification by the remittee account (in this example, the account of user A.A.) The user A.B is informed that the electronic money usage notification with notification will be sent to the account (in this example, user B.B's account). Information to inform (notify) A can be included.

After A120, when the control unit 21 of the terminal 20A receives the electronic money usage confirmation information with notification from the server 10, it determines whether or not an input permitting the use of electronic money with notification has been input to the input/output unit 23. By doing so, it is determined whether or not electronic money with notification is to be used (A340). If it is determined not to be used (A340: NO), the control unit 21 of the terminal 20A terminates the process.

On the other hand, if it is determined that the electronic money with notification is to be used (A340: YES), the control unit 21 of the terminal 20A transmits the electronic money usage approval information with notification to the server 10 via the communication I/F 22 (A350).

After S340, the control unit 11 of the server 10 determines whether or not the electronic money use approval information with notification is received from the terminal 20A via the communication I/F 14 (S350). If it is determined that it has not been received (S350: NO), the control unit 11 of the server 10 terminates the process.

On the other hand, if it is determined that the electronic money use approval information with notice has been received (S350: YES), the control unit 11 of the server 10 shifts the process to S130.

Note that if the setting is made to preferentially use the electronic money balance with notification for payment, as described above, the control unit 11 of the server 10 executes step S340 after step S120. can be
However, if the setting is such that the normal electronic money balance is preferentially used for payment, the control unit 11 of the server 10, if the payment amount is unknown, uses the electronic money balance with notification instead of the normal electronic money balance. It cannot be determined whether or not the payment is to be made by using it, and it cannot be determined whether or not it is necessary to transmit the electronic money usage confirmation information with notification to the terminal 20A.

Therefore, as an example and not a limitation, in step S130, the control unit 11 of the server 10 transmits electronic money use confirmation information with notification to the terminal 20A together with the wallet code information. Then, before executing step S140 in FIG. 1-13, the terminal 20A may be used to confirm whether or not the settlement using the electronic money balance with notification is permitted.

Also, as an example and not a limitation, before the control unit 11 of the server 10 executes step S140 in FIG. It is determined whether or not the electronic money balance with is used for payment. When it is determined that the electronic money balance with notification is used for payment, the electronic money with notification use confirmation information is transmitted to the terminal 20A, and the terminal 20A confirms whether or not the payment using the electronic money balance with notification is permitted. You may make it

In this modification, the server 10 sends notification electronic money usage confirmation information (not limited to, first It shows a configuration for transmitting an example of the third information regarding notification to the third terminal before at least part of the electronic currency is used) to the terminal 20 of the user of the remittance destination account.
As an example of the effects of the modification obtained by such a configuration, it is possible to notify the third terminal before at least part of the first electronic money is used by the user of the second terminal. 2 terminal users can be notified.

<Third modification (2)>
By way of example and not limitation, it is possible that the user of the payee account does not want the user of the notify account to be notified.
Therefore, if the user of the remittance destination account has made a setting not to receive the remittance of the electronic money with notification, the electronic money with notification may not be associated with the remittance destination account. Also, in this case, the user of the remittance source account may be notified that the remittance with notification is not possible.

Here, the following is an example of a setting that does not accept remittance of electronic money with notification (a setting that rejects reception of electronic money with notification).
(S1) Batch rejection (S2) Block (S3) Blacklist (S4) Whitelist

(S1) Bulk refusal can be set not to receive remittance of electronic money with notification from all accounts (or all users) as an example and not as a limitation.

(S2) The block can be set not to accept electronic money transfers with notification from a specific account (or a specific user), as an example and not as a limitation.

(S3) The blacklist is set by default to be able to receive electronic money remittances with notification from all accounts as an example and not as a limitation. You can set it so that you do not receive it.

(S4) As an example, not a limitation, the whitelist is set by default so that remittance of electronic money with notification from all accounts cannot be received. You can set it up to receive

The (S3) blacklist and (S4) whitelist can also be considered as a kind of implementation method of the (S2) block.
Specifically, by way of example and not limitation, (S2) blocking can be achieved by adding a specific account to the blacklist.
Conversely, (S2) blocking can also be achieved by removing a specific account from the whitelist, as an example and not as a limitation.

In addition, (S1) collective rejection may be regarded as a type of (S2) blocking, and may be considered as blocking all accounts.

FIG. 3-6 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 3-6 shows an example of a payment application wallet setting screen displayed on the display unit 24 of the terminal 20A. items such as "automatic charge" for performing the above, and "refusal to receive electronic money with notification" for refusing to receive electronic money with notification from all accounts. A slide button is provided in association with the right side of each item, and the item can be turned "ON" by tapping or sliding the slide button. This example shows a state in which the item "refusal to receive electronic money with notification" is set to "ON". This is an example of the above-mentioned (S1) collective rejection screen.

In this example, the user B.E. It may be replaced with refusal to receive electronic money with notification from B's account. In this case, it becomes the (S2) block described above.
Also, user B. Add B's account to the blacklist, or add user B.B's account to the blacklist. A screen shot may be constructed that allows B's account to be removed from the whitelist. In this case, the aforementioned (S3) blacklist and (S4) whitelist are used.

In this state, when the "setting" button BT35 at the bottom of the screen is tapped, the screen in the center of FIG. 3-6 is displayed as an example and not as a limitation.
This screen is for user B., who is the user of the source account. FIG. 10 is a diagram showing an example of a remittance screen displayed on the display unit 24 of the terminal 20B of B, which is the same screen as the right side of FIG. 1-9. When the "remittance" button BT2 is tapped on this screen, the notification screen of the payment application displayed on the display unit 24 of the terminal 20B displays as shown on the right side of FIG. 3-6 as an example and not as a limitation. be.

Specifically, on the left side of the notification area, based on the setting of (S1) batch rejection in the screen diagram on the left side of FIG. Electronic money receipt refusal information NF31 with notification indicating that receipt of electronic money with notification is rejected by A is displayed.
In this electronic money reception refusal information with notification NF31, as an example and not limitation, the date and time of transmission by the server 10 of this electronic money reception refusal information with notification, and "A. Failure to remit electronic money with notification to A. ", "(The receipt of electronic money with notification is rejected in A.A's wallet settings)", the amount to be sent ("1,000 yen" in this example), A ">Confirm details" button is displayed.

It should be noted that in order to distinguish from the electronic money receipt refusal information with notification described above, in this modified example, it is referred to as "electronic money reception refusal information with notification" for convenience.
On the other hand, since it may be easier for the user using the payment application to use the same terminology, the example display screen uses the term “reject”.

FIG. 3-7 is a flow chart showing an example of the flow of processing executed by each device in this modified example.
First, the control unit 21 of the terminal 20A transmits electronic money reception refusal setting information with notification to the server 10 via the communication I/F 22 based on a user input to the input/output unit 23 to refuse reception of electronic money with notification. (A360).

In response to this, the control unit 11 of the server 10 performs the electronic money reception refusal setting process with notification (S360). In this case, the control unit 11 can make a setting to block the remittance source account (user BB's account in this example) as an example and not as a limitation. The server 10 can prevent the blocked remittance source account from remittance of electronic money with notification to the remittance destination account.

After that, the control unit 11 of the server 10 determines whether or not the remittance destination account has already been set to reject receipt of the electronic money with notification (S370). ), the electronic money reception refusal information with notification is transmitted to the terminal 20B via the communication I/F 14 (S380). Then, the control unit 11 of the server 10 shifts the processing to S130.
On the other hand, if it is determined that the setting has not been completed (S370: NO), the control unit 11 of the server 10 shifts the process to S110.

After B120, the control unit 21 of the terminal 20B determines whether or not the electronic money reception refusal information with notification has been received from the server 10 via the communication I/F 22 (B310). YES), the display unit 24 displays this electronic money reception refusal information with notification (B320). Then, the control unit 21 of the terminal 20B shifts the processing to B140 in FIG. 1-13.
On the other hand, if it is determined that it has not been received (B310; NO), the control section 21 of the terminal 20B shifts the process to B130.

After A360, the control unit 21 of the terminal 20A determines whether or not the electronic money remittance result information with notification has been received from the server 10 via the communication I/F 22 (A370). YES), the process is moved to A110.
On the other hand, if it is determined that it has not been received (A370: NO), the control unit 21 of the terminal 20A advances the processing to A120.

In this modification, the server 10 performs the setting processing of rejection of receipt of electronic money with notification based on the reception of setting information of rejection of receipt of electronic money with notification from the terminal 20 of the user of the remittance destination account (not limited to, but An example of a case where the user of the second terminal has set not to receive remittances for which notification is set), electronic money remittance processing with notification (not limited, but the first electronic money can be associated with the user of the second terminal example), and the electronic money receipt refusal information with notification (not limited, but an example of remittance disapproval information indicating that remittance cannot be made to the user of the second terminal) is sent to the terminal 20 of the user of the remitter account (not limited , an example of a first terminal).
As an example of the effect of the modification obtained by such a configuration, when the user of the second terminal has set not to receive the remittance for which the notification is set, the first electronic money is sent to the user of the second terminal. As well as being able to disassociate, the user of the first terminal can be informed that the remittance is not possible.

Also, in this case, the setting that the user of the remitter account does not receive the remittance for which notification is set may include a setting that blocks the user of the remitter account.
As an example of the effect of the modification obtained by such a configuration, if the user of the second terminal does not want to receive the remittance for which the notification is set, the user of the first terminal is blocked, It is possible to avoid receiving remittances for which notification is set from the user of the first terminal.

Also, in this case, the setting that the user of the remittance destination account does not receive the remittance for which the notification is set may include the setting of blocking the users of all accounts.
As an example of the effect of the modification obtained by such a configuration, if the user of the second terminal does not want to receive the remittance for which the notification is set, all users are blocked, and the first terminal It is possible to avoid receiving remittances for which notifications are set from the user of the terminal.

<Fourth embodiment>
The fourth embodiment distinguishes electronic money with notification from electronic money associated with the user of the remittance destination account for which notification is not set.

The content described in the fourth embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Data structure>
FIG. 4-1 is a diagram showing a data configuration example of an account management database 155E, which is an example of the account management database 155 in this embodiment.
In each account management data of the account management database 155E, the electronic money management data with notification includes, as a non-limiting example, a remittance management ID, a remittance source ID, a notification destination ID, a notifier name, a notification It is stored in association with the electronic money balance.

Unlike the account management data described above, the remittance source ID is additionally stored. This enables the server 10 side to manage the remittance source account and the notification destination account separately.

<Display screen>
4-2 and 4-3 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of FIG. 4-2 shows an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20A. B to user A.B. Electronic money remittance result information with notification NR41 indicating that the electronic money with notification sent to A has been received is displayed.

This electronic money remittance result information with notification NR41 includes, as a non-limiting example, a remitted amount (amount received), a "receipt" icon, and user B.E. when the received electronic money with notification is used. An illustration indicating that a notification will be made to B, the date and time when this information was sent by the server 10, the characters "electronic money with notification has been received (the usage status will be notified to BB)", User B. B to user A.B. An illustration indicating remittance to A and a ">confirm details" button are displayed.

Note that user A. Since A has already received the electronic money with notification, unlike the electronic money receipt confirmation information with notification NC31 shown on the left side of FIG. , the expression "I received electronic money with notification" is used.

The center of FIG. 4-2 shows the state in which the main menu screen of the payment application is subsequently displayed. In the balance display area BR2 at the top of the screen, the characters "Balance" are displayed, and below that, user B.B. B to user A.B. The balance corresponding to the e-money with notification of "1,000 yen" remitted to User A is the characters "with notification" and user B.A. It is displayed together with an illustration showing that notification is made to B.
Further, below that, the normal electronic money balance is displayed together with the characters "no notification" and the charge button CBT.

When the "Pay Code" icon IC2 is tapped on this screen, by way of example and not limitation, the code payment screen of the payment application as shown on the right side of FIG. 4-2 is displayed.
In this code payment screen, in the area where the information on the balance of the wallet code information display area WCR1 is displayed, information for selecting whether payment is to be made from the electronic money balance with notification or the normal electronic money balance is displayed. is displayed.

Specifically, the characters "with notification" for making payment from the "electronic money balance with notification", the electronic money balance with notification ("1,000 yen" in this example), and the payment will be made from that balance. User B. An illustration indicating that the notification is sent to B is displayed.
In addition, below it, the characters "No notification" for making payment from the "normal electronic money balance", the normal electronic money balance ("500 yen" in this example), and the electronic money to the normal electronic money balance A charge button CBT for charging is displayed.

Radio buttons are provided to the left of the characters "with notification" and to the left of the characters "without notification", and payment can be made from either the electronic money balance with notification or the normal electronic money balance. It is configured to be selectable by tapping the corresponding radio button. This example shows a state in which electronic money with notification is selected. When payment is made in this state, as an example and not as a limitation, payment result information such as that shown on the left side of FIG. 4-3 is displayed.

In this case, the notification screen of the payment application on the display unit 24 of the terminal 20B is displayed as shown on the right side of FIG. 4-3 as an example and not as a limitation.
Specifically, as an example and not as a limitation, user B.B. An illustration showing that a notification will be sent to B, the date and time when the electronic money remittance result information with notification is sent by the server 10, and the characters "Electronic money with notification has been remitted (usage status will be notified)" , user B. B to user A.B. Below electronic money remittance result information with notification NR42 including an illustration indicating remittance to A and a ">confirm details" button, electronic money usage information with notification NU3 is displayed.

<Processing>
In the processing in the present embodiment, the example of the above screen diagram is not a limitation, but as an example and not a limitation, in step S120 in FIG. A. The remittance management ID in the electronic money management data with notification included in the account management data of A's account can be transmitted to the terminal 20A together with the remittance result information. By doing so, it becomes possible to specify the remittance management ID on the terminal 20A. Using the account of user B as the remittance source ID, The user can select the electronic money balance with notification having B's account as the notification destination ID.

Also, after the electronic money balance to be used for payment is selected by the user, in step A120 of FIG. It is possible to transmit the management ID to the server 10 . By doing so, the server 10 can identify the electronic money balance with notification selected by the user.

<Effects of the fourth embodiment>
In the present embodiment, the server 10 is capable of handling notification-attached electronic money (not limited, but an example of first electronic money for which notification is set) and normal electronic money (not limited, but associated with the user of the second terminal). (an example of the second electronic money) is stored separately from the other electronic money).
As an example of the effect of the embodiment obtained by such a configuration, a first electronic currency for which notification is set and a second electronic currency for which notification is not set and which is associated with the user of the second terminal. It is possible to distinguish and manage them, and it is possible to improve user's convenience.

<Fourth Modification (1)>
With the account management data of FIG. 2-4, as described above, the server 10 can manage the remittance source account and the notification destination account separately.
As a result, the user of the remittance source account can set an account different from his/her own account as the notification destination account, as an example and not as a limitation. In this case, if one user can own only one account, the user of the destination account will be a different user than the user of the remittance source account. As a result, it is possible to set a terminal 20 different from the terminal 20 of the user of the remittance source account (=the terminal 20 of the user of the destination account) to receive the electronic money use notification with notification.

In the non-limiting parent-child example above, the mother's account is the source account. In this case, the mother's terminal 20 becomes the first terminal.
Also, by way of example and not limitation, the child's account is the destination account. In this case, the child's terminal 20 becomes the second terminal.
Also, by way of example and not limitation, the father's account is set as the notification account. In this case, the father's terminal 20 becomes the third terminal.
In this case, when the child uses the notified electronic money sent by the mother to pay for purchases, etc., using the child's own account, the father's account can be notified.

4-4 and 4-5 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 4-4 shows the remittance screen of the payment application displayed on the display unit 24 of the terminal 20B, and the area for setting the user of the remittance destination account at the bottom of the screen shows "receive use notification". , a slide button for setting to be notified of use of electronic money with notification to oneself, and an electronic money use notification with notification to other users indicated by "notify other users of use" A slide button is provided for setting so that the In this example, a state is shown in which the slide button "notify other users of use" is "ON".

Below that, a "set notification destination" button BT36 for setting a notification destination account is provided. In addition, since the notification destination account has not yet been set, the "Transfer" button BT2 at the bottom of the screen is displayed in a grayed-out state, and no remittance is performed even if it is tapped.

When the "set notification destination" button BT36 is tapped in this state, the display shown in the center of FIG. 4-4 is displayed as an example, not as a limitation.
This screen is a remittance screen like the one on the left side of Fig. 4-4, but at the top of the screen, the text "Please set the notification destination" is displayed. A search box is provided for searching by number.
Further, below that, the notification destination account (that user) that has been set as a notification destination in the past is displayed as a history. An icon image of C and its user name are displayed. A check box is provided next to it, and by setting the check to "ON", it is possible to set this user as a notification destination. In this example, user C.I. A state in which the check of C is set to "ON" is shown.

In this state, when the "Settings" button BT37 at the bottom of the screen is tapped, the display on the right side of FIG. 4-4 is displayed as an example and not as a limitation.
This screen corresponds to the screen on the left side of Figure 4-4, but when the notification destination account is set on the screen in the center of Figure 4-4, User C. who was set as a notification destination on the screen of An icon image of C and its user name are displayed.

In addition, the greyed-out state of the “Transmit” button BT2 is canceled as the notification destination account is set. When the "remittance" button BT2 is tapped in this state, the electronic money remittance process with notification is executed by the server 10, and the user B. B to user A.B. Electronic money with notification is remitted to A.

The left side of FIG. 4-5 shows user A., who in this case is the user of the destination account. 3 is a diagram showing an example of a screen displayed on the display unit 24 of A's terminal 20A. FIG.
This screen is a notification screen of the payment application, and electronic money remittance result information with notification NR43 is displayed on the left side of the notification area.

In this notified electronic money remittance result information NR43, as a non-limiting example, the remitted amount (received amount), a "receipt" icon, and user C.E. when the received notified electronic money is used. An illustration showing that a notification will be made to C, the date and time when this information was sent by the server 10, the characters "electronic money with notification received (the usage status will be notified to C.C)", User B. B to user A.B. An illustration indicating remittance to A and a ">confirm details" button are displayed.

Afterwards, user A. When the electronic money with notification is used by A, as an example and not limitation, a settlement result screen of the payment application shown in the center of FIG. 4-5 is displayed on the display unit 24 of the terminal 20A.

In this case, the user C.I. Electronic money usage information with notification is transmitted to C's terminal 20C. As a result, the display on the display unit 24 of the terminal 20C is displayed as shown on the right side of FIG. 4-5 as an example and not as a limitation.
This screen is a notification screen of the payment application, and electronic money usage information NU43 with notification is displayed on the left side in the notification area. Specifically, user B. B to user A.B. The electronic money with notification sent to user A is sent to user A.A. Information indicating that it was used by A is displayed.

This modification shows a configuration in which the electronic money notification setting with notification includes a setting related to notification to a terminal 20 different from the terminal 20 of the user of the remittance source account.
As an example of the effect of the modification obtained by such a configuration, the user of the third terminal different from the first terminal is notified that at least part of the first electronic money has been used by the user of the second terminal. can be done.

<Fourth Modification (2)>
In the fourth embodiment, as shown in the screen on the right side of FIG. 4-2, an example is shown in which payment is made by selecting either electronic money with notification sent from a single user or normal electronic money. but not limited to this.
Either electronic money may be selected from electronic money with notification sent from two or more users and normal electronic money.

4-6 and 4-7 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 4-6 is the notification screen of the payment application displayed on the display unit 24 of the terminal 20A, and two pieces of electronic money remittance result information with notification are displayed on the left side in the notification area.

The electronic money remittance result information with notification NR45 with the earlier time is for user B. B to user A.B. Remittance result information of electronic money with notification of "1,000 yen" remitted to A. User B. who is the user of the remittance source account as the notification destination. B is set.
The electronic money remittance result information with notification NR46 with the newer time is sent to user C.I. C to user A.C. Remittance result information of electronic money with notification of "2,000 yen" remitted to A. User C.A, who is the user of the remittance source account as the notification destination. C is set.

The right side of FIGS. 4-6 shows the state in which the main menu screen of the payment application is subsequently displayed. In the balance display area BR2 at the top of the screen, characters of "Balance" are displayed, and two electronic money balances with notification are displayed below them as the electronic money balance with notification.
Specifically, user B. B to user A.B. The balance corresponding to the e-money with notification of "1,000 yen" remitted to User A is the characters "with notification" and user B.A. It is displayed together with an illustration showing that notification is made to B. Similarly, user C.I. C to user A.C. The balance corresponding to the e-money with notification of "2,000 yen" remitted to User C.A is the characters "with notification" and user C.A. It is displayed together with an illustration showing that C is notified.
Below that, the normal electronic money balance ("500 yen" in this example) and the charge button CBT are displayed.

When the "Pay Code" icon IC2 is tapped on this screen, by way of example and not limitation, the code payment screen of the payment application as shown on the left side of FIG. 4-7 is displayed.
In this code payment screen, the area where the information on the balance of the wallet code information display area WCR1 is displayed is the user B. The balance of the electronic money with notification sent from user C.B and the balance of the electronic money with notification sent from user C. Information is displayed for selecting which of the balance of the electronic money with notification sent from C and the balance of the normal electronic money is used for payment.

Specifically, user B. The characters "with notification" for making payment from the balance of the electronic money with notification sent from B, the electronic money balance with notification ("1,000 yen" in this example), and the payment is made from the balance. and user B. An illustration indicating that the notification is sent to B is displayed.
Similarly, user C.I. The characters "with notification" for making payment from the balance of the electronic money with notification sent from C, the balance of electronic money with notification ("2,000 yen" in this example), and the payment is made from the balance. and user C.I. An illustration indicating that a notification will be sent to C is displayed.
In addition, below it, the characters "No notification" for making payment from the "normal electronic money balance", the normal electronic money balance ("500 yen" in this example), and the electronic money to the normal electronic money balance A charge button CBT for charging is displayed.

Radio buttons are provided next to each of them, and the corresponding balance can be selected based on the operation of the corresponding radio button. In this example, user C.I. A state in which the balance of the electronic money with notification sent from C is selected is shown. When payment is made in this state, as an example and not as a limitation, payment result information as shown in the center of FIG. 4-7 is displayed.

The right side of FIG. 4-7 shows the user C.I., who in this case is the user of the Notify Account. FIG. 13 is a diagram showing an example of a notification screen displayed on the display unit 24 of the terminal 20C of C;
Electronic money remittance result information with notification NR48 is displayed on the left side of the notification area. This electronic money remittance result information with notification NR48 includes, as a non-limiting example, a remittance amount ("2,000 yen" in this example), a remittance date and time, and " Remittance” icon, illustrated information of the source and destination of the remittance, and a “>confirm details” button are included.

Also, user A. Based on the fact that the electronic money with notification sent to A has been used, electronic money usage information with notification NU48 is displayed below the electronic money remittance result information with notification NR48.

<Fourth modification (3)>
In the above embodiment, two or more accounts may be set as notification destination accounts.
In the non-limiting parent-child example above, the mother's account is the source account. In this case, the mother's terminal 20 becomes the first terminal.
Also, by way of example and not limitation, the child's account is the destination account. In this case, the child's terminal 20 becomes the second terminal.
Also, by way of example and not limitation, two accounts, a mother's account and a father's account, are set as notification destination accounts. In this case, the two terminals 20 of the mother's terminal 20 and the father's terminal 20 are the third terminals.
In this case, when the child uses the electronic money with notification sent by the mother to pay for purchases, etc., using his/her own account, the mother's account and the father's account can be notified separately. .

<Fourth modification (4)>
In the fourth embodiment, information indicating that electronic money with notification is about to be used at the timing when payment is about to be made by code payment or the like (hereinafter referred to as "information on intention to use electronic money with notification"). may be sent to the terminal 20 of the user of the notification destination account to notify the notification destination account that electronic money with notification is about to be used.

Specifically, as a non-limiting example, in the code payment screen on the right side of FIG. 4-2, the radio button associated with the electronic money balance with notification displayed in the wallet code information display area WCR1 is set to "ON". Then, the control unit 21 of the terminal 20A transmits information indicating that the electronic money balance with notification has been selected to the server 10 via the communication I/F 22 . In response to this, the control unit 11 of the server 10 transmits the electronic money usage intention information with notification to the terminal 20 of the user of the notification destination account via the communication I/F 14 .

<Fourth modification (5)>
In the various embodiments described above, the electronic money remittance setting process with notification is performed by the remittance source account, but the present invention is not limited to this.
As explained in the fourth embodiment, it is possible to make the remittance source account and the notification destination account different.

By way of example and not limitation, if a user is allowed to have multiple accounts, the user's first account is the source account and the user's second account is the notify account. Then, the electronic money remittance setting with notification may or may not be set by the user's second account (notification destination account). In this case, the terminal 20 of this user can be configured to perform the electronic money remittance setting process with notification.

Also, by way of example and not limitation, where a user can only have one account, the user of the notify account can be a different user than the user of the source account. In this case as well, the electronic money remittance setting with notification may or may not be set according to the different user's account (report destination account). In this case, the terminal 20 of this different user can be configured to perform the electronic money remittance setting process with notification.

<Fifth embodiment>
The fifth embodiment is an embodiment related to withdrawing at least a portion of electronic money with notification to a bank account or the like. Electronic money with notification that has been withdrawn to a bank account or the like can be withdrawn as cash.

The content described in the fifth embodiment can be applied to each of the other embodiments and other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Display screen>
5-1 and 5-2 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of FIG. 5-1 shows an example of the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A. The electronic money balance with notification for B as the user of the notification destination account, the normal electronic money balance, and the charge button CBT are displayed.

In this example, a state in which the "withdrawal" icon IC3 among the plurality of function icons displayed below is tapped is shown. Then, as an example and not as a limitation, the screen in the center of FIG. 5-1 is displayed.

This screen is a withdrawal screen of the payment application, and the user A.A. A's registered bank account (in this example, "LL bank ordinary XXXXXX" is displayed. A radio button is provided next to the bank account, and by setting the radio button to "ON", The bank account can be specified as a withdrawal destination, and in this example, the radio button for "LL bank ordinary XXXXXX" is set to "ON".

Underneath that, along with the words "Specify withdrawal source balance", information on the electronic money balance with notification and information on the normal electronic money balance are displayed. By setting the radio button next to "With notification" to "ON", the electronic money balance with notification is specified as the withdrawal source balance, and the radio button displayed next to "No notification" is set to "ON". , the normal electronic money balance can be specified as the withdrawal source balance. In this example, user B. The radio button for the electronic money balance with notification of the remaining amount of "1,000 yen", which is set to be notified to B, is turned "ON".

In this state, when the "determine" button BT51 at the bottom of the screen is tapped, the withdrawal destination and the withdrawal source balance are determined. Then, by way of example and not limitation, the screen on the right side of FIG. 5-1 is displayed.

This screen is a remittance screen of the payment application, and in this example, it shows a state in which "1,000 yen", which is the total amount of the electronic money balance with notification determined as described above, has been entered. It is In this state, when the "withdrawal" button BT52 at the bottom of the screen is tapped, the server 10 performs withdrawal processing. As a result, the display on the display unit 24 of the terminal 20A is displayed as shown on the left side of FIG. 5-2 as an example and not as a limitation.

This screen is a notification screen of the payment application, and payment result information WR51 indicating the payment result is displayed below electronic money remittance result information with notification NR41 on the left side in the notification area. Specifically, along with the characters "amount", the withdrawal amount ("1,000 yen" in this example) is displayed, and next to it, a "withdrawal" icon indicating that it is a withdrawal is displayed. Below that, the date and time of payment, the destination of payment, and the ">confirm details" button are displayed.

The right side of FIG. 5-2 shows user B., who in this case is the user of the notify account. FIG. 13 is a diagram showing an example of a notification screen displayed on the display unit 24 of the terminal 20B of B;
Under the electronic money remittance result information with notification NR51 on the left side in the notification area, user A. Electronic money withdrawal information with notification NW51 indicating that electronic money with notification has been dispensed by A is displayed. Specifically, along with the withdrawal date and time, the words "The electronic money sent to A.A has been withdrawn." ) and a “>confirm details” button are displayed.

<Processing>
1-12, 1-13, etc., the control unit 21 of the terminal 20A controls the input/output unit 23 after step A140 as an example, not limitation. It is determined whether or not a user input requesting withdrawal of money has been made. Then, if it is determined that the payment has been made, the payment request information including the application ID, the withdrawal destination, the withdrawal source balance, and the withdrawal requested amount is sent to the server 10 via the communication I/F 22 as an example and not limitation. Send to

The control unit 11 of the server 10 determines whether or not the communication I/F 14 has received the withdrawal request information from the terminal 20A after the step of S170 as an example without limitation. Then, if it is determined that the money has been received, the payment processing is performed. Specifically, the requested withdrawal amount is subtracted from the withdrawal source balance in the account management data of the application ID included in the received withdrawal request information. Then, electronic money transfer is performed, and the requested withdrawal amount is transferred to the server of the financial institution to which the payment is to be made (the server of the financial institution).

After that, the control unit 11 of the server 10 transmits the payment completion information to the terminal 20A through the communication I/F 14 .
Further, when the withdrawal source balance is the electronic money balance with notification, the control unit 11 of the server 10 transmits electronic money withdrawal information with notification to the terminal 20B via the communication I/F 14 .

<Effect of the fifth embodiment>
In this embodiment, when the user of the remittance destination account has withdrawn at least part of the electronic money with notification, the server 10 communicates the electronic money withdrawal information with notification to the terminal 20 of the user of the notification destination account. The configuration for transmission by F14 is shown.
As an example of the effect of the embodiment obtained by such a configuration, when at least part of the first electronic money is withdrawn by the user of the second terminal, it is possible to inform the user of the third terminal of the contents of the withdrawal. can.

If it is possible to withdraw e-money with notification, it can be considered that the notification settings will be canceled, and as a result, even if it is withdrawn, the notification destination account will not be notified. . And, as a result, the user of the destination account may be allowed to use it freely.
However, as in the present embodiment, when the electronic money with notification is dispensed, the above-mentioned situation can be prevented by sending the notification to the notification destination account.

<Fifth Modification (1)>
In view of the above problem, as one method different from that of the fifth embodiment, it is possible to prohibit withdrawal of notification-attached electronic money.

FIG. 5-3 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20A in this modified example.
The screens on the left side of FIG. 5-3 and the center of FIG. 5-3 are the same as the screens on the left side of FIG. 5-1 and the center of FIG. 5-1, respectively.
In this modified example, when the “Enter” button BT51 is tapped on the screen in the center of FIG. 5-3, the display on the right side of FIG. 5-3 is displayed as an example and not as a limitation.

This screen is the remittance screen of the payment application, but the display is different from that on the right side of Fig. 5-1. Specifically, as electronic money withdrawal non-withdrawal information with notification, the user A. is displayed on the screen in the center of FIG. Information about the withdrawal source balance specified by A is displayed.

1-12, 1-13, etc., the control unit 21 of the terminal 20A controls the input/output unit 23 after step A140 as an example, not limitation. It is determined whether or not a user input requesting withdrawal of money has been made. Then, if it is determined that the payment has been made, the payment request information including the application ID, the withdrawal destination, the withdrawal source balance, and the withdrawal requested amount is sent to the server 10 via the communication I/F 22 as an example and not limitation. Send to

The control unit 11 of the server 10 determines whether or not the communication I/F 14 has received the withdrawal request information from the terminal 20A after the step of S170 as an example without limitation. Then, if it is determined that it has been received, it is determined whether or not the payment source balance included in the received payment request information is the electronic money balance with notification. Then, if it is determined that the electronic money balance with notification is present, the electronic money with notification non-withdrawal information is transmitted to the terminal 20A through the communication I/F 14 .

Note that the control unit 11 of the server 10 may transmit the notification-attached electronic money withdrawal prohibition information to the terminal 20B of the user of the remittance source account in addition to the terminal 20A.

Further, when the control unit 11 of the server 10 receives the withdrawal request information of the electronic money balance with notification, the control unit 11 transmits inquiry information as to whether or not to approve the withdrawal to the terminal 20B of the user of the remittance source account. good too. In this case, as a non-limiting example, when the user of the remittance source account approves the withdrawal based on the input (user operation, etc.) to the input/output unit 23 of the terminal 20B, the withdrawal processing of the electronic money balance with notification is executed. be done.

In this modification, when the server 10 receives the withdrawal request information for withdrawing at least part of the electronic money with notification from the terminal 20 of the user of the remittance destination account, the electronic money with notification cannot be withdrawn information ( This is an example of non-withdrawal information, not a limitation), to the terminal 20 of the user of the remittance destination account.
As an example of the effect of the embodiment obtained by such a configuration, when the communication unit receives information regarding the withdrawal of at least part of the first electronic money by the second terminal, it is notified that the withdrawal is impossible. The user of the second terminal can be notified.

<Fifth Modification (2)>
In the above embodiment, when a withdrawal to a bank account or the like is made, a notification is sent to the notification destination account, but the present invention is not limited to this. By way of example and not limitation, if the payment application is equipped with the ability to withdraw cash from an automated teller machine (ATM) or the like, then when the notifiable e-money balance is withdrawn using the ATM, the notifiable account , the notification may be sent to the terminal 20B of the user.

Note that, as in the fifth modification (1), when the terminal 20A of the remittance destination account attempts to withdraw money using an ATM, the control unit 11 of the server 10 notifies the terminal 20A of the electronic money withdrawal non-acceptance information with notification. You may make it transmit.

<Sixth embodiment>
A sixth embodiment is an embodiment that utilizes a messaging application instead of or in addition to a payment application.

The content described in the sixth embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

As an example and not a limitation, the messaging application can be configured to enable one-to-one talk between accounts registered on the server 10 as friends. Also, as an example and not a limitation, a group including two or more accounts may be configured so that group talk can be conducted between the accounts included in the group.

<Display screen>
FIG. 6-1 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of Fig. 6-1 is a screen of a chat room (an example of a chat room, not a limitation) of a messaging application (not a limitation, but an example of a chat application). "Messaging App" is displayed. An icon image and a user name (user A.A in this example) in the messaging application of the user of this terminal 20A are displayed on the right side of the top of the screen.

Below that, there is a talk room name display area that indicates the name of the talk room in the messaging application. In this example, the name of the talk room is user B. "<B.B" including the characters "BB" indicating that it is a one-to-one chat room with B and the "<" button for returning to the previous screen is displayed.

Beneath that, a talk area is configured. In the chat area, as a non-limiting example, the content sent by you is displayed on the right side of the screen, and the content sent by the other party is displayed on the left side of the screen. It is configured to be displayed in chronological order in the direction. Also, as an example and not a limitation, the content sent by you is displayed in a balloon from the right end of the talk area, and the content sent by the other party is displayed on the left end of the talk area in association with the user's icon image and user name. Configured to be displayed in a speech bubble.

In this example, to the left in the talk area, user B. A text content TC61 urging purchase of a reference book sent from B and an electronic money remittance result content with notification NRC61 sent from a payment application are displayed.

The e-money remittance result content with notification NRC61 is, by way of example and not limitation, user B. The content indicates that electronic money with a notice of "1,000 yen" was received from B.B. It is shown that B is set.
Also, on the right side of the talk area, user A. A text content TC62 expressing gratitude from A is displayed.

In this state, a function for performing code payment by the payment application is called based on user input (not shown), and user B.B. As a result of execution of payment processing using the electronic money with notification sent from B, the screen in the center of FIG. 6-1 is displayed as an example, not as a limitation. In this screen example, a payment result information display area PWR for displaying payment result information is displayed rising from the bottom of the talk room screen so as to overlap part of the talk area in the talk room screen on the left side of Figure 6-1. It is

The right side of FIG. 6-1 shows an example of the chat room screen of the messaging application displayed on the display unit 24 of the terminal 20B in this case.
In this talk room screen, the chat partner is user A. This is a one-to-one chat room screen for A.A, and on the left side of the chat area, an electronic money remittance result content with notification NRC62 with a payment application as a transmission source is displayed. The text content TC62, which is sent from A and expresses gratitude as described above, is displayed.
Below that, user A. is shown as content originating from the payment application. Electronic money usage content NUC62 with notification indicating that electronic money with notification has been used by A is displayed.

<Processing>
The processing in this embodiment, as an example and not a limitation, provides the server 10 with a function of providing a messaging service by a messaging application, and combines the processing described in the first to fifth embodiments with the processing of the messaging service. It can be realized by

<Effects of the sixth embodiment>
In this embodiment, the control unit 11 controls the server 10 to transmit electronic money usage information with notification to a chat room (not limited to, but an example of a first chat room) including the user of the notification destination account. showing.
As an example of the effect of the embodiment obtained by such a configuration, the content regarding the use of at least part of the first electronic money by the user of the second terminal is sent to the first chat room including the user of the third terminal. can be displayed to the user of the third terminal in an easy-to-understand manner.

<Sixth modification (1)>
It is also possible to configure a group containing three or more accounts in a messaging application so that users of other accounts are notified based on the use of e-money with notification by the user of the destination account. .

FIG. 6B is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example. Here, an example of a display screen when a group "Family" is composed of a mother's account, a father's account, and a child's account will be described using the example of the parent and child described above. User A. Let user B.A be a "child". Let user C.B be "mother". Describe C as the "father".

The left side of FIG. 6-2 shows an example of the group talk room screen of the group "Family" displayed on the display unit 24 of the child's terminal 20A. In this group talk room screen, user B. is displayed on the left side of the talk area. Text content TC 61 urging the child to purchase the aforementioned reference book, sent from the account of user A.B, electronic money remittance result content NRC 63 with notification, sent from the payment application, and user A.B's account. A text content TC62 originating from C.A and user C.A. A text content TC64 is displayed to warn children not to buy and eat from C as a transmission source.

The e-money remittance result content with notification NRC63 is, by way of example and not limitation, user B. The content indicates that electronic money with notification of "1,000 yen" has been received from B, and the group "Family" is set as the notification destination account.

Since the group "Family" is set as the notification destination account, user A. When the electronic money with notification is used by A, the content using electronic money with notification is transmitted to the terminals 20 (terminals 20A, 20B, and 20C) of all users included in the group "Family".

Note that user A. It can also be considered that it is not preferable to notify A. Therefore, unlike the above, the content using electronic money with notification may be transmitted to the terminals 20 of the users of the accounts included in the group other than the remittance destination account.

In the above state, a function for performing code payment by the payment application is called based on user input (not shown), and user B.B. As a result of execution of settlement processing using the electronic money with notification sent from B, the screen in the center of FIG. 6-2 is displayed as an example and not as a limitation. This screen is the same as the screen in the center of FIG. 6-1.

The right side of FIG. 6B shows an example of the group talk room screen of the messaging application displayed on the display unit 24 of the terminal 20C in this case.
In this group talk room screen, on the left side of the chat area, there is displayed electronic money remittance result content NRC64 with notification sent from the payment application. A text content TC62 originating from C.A and user C.A. Text content TC64 with C as the transmission source is displayed.

Below that, user A. is shown as content originating from the payment application. Electronic money usage content with notification NUC64 indicating that electronic money with notification has been used by A is displayed.

The processing in this modified example can be realized in the same way by using the processing in the sixth embodiment as the processing for a group of messaging applications.
In this case, the control unit 11 of the server 10 can transmit the content using electronic money with notification to the terminal 20 of each user included in the group, as described above, as an example and not a limitation.
Note that, unlike this, the control unit 11 of the server 10 may not transmit the content using electronic money with notification to the terminal 20 of the user of the remittance destination account.

<Sixth modification (2)>
It may be possible to quote information contained in the content of the messaging application to send the content.

6-3 and 6-4 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 6-3 is a messaging application talk room screen displayed on the display unit 24 of the terminal 20B, and is an example of an OA talk room screen in which the chat partner is an official account of the payment application.

In this OA talk room screen, on the left side of the talk area, as content originating from the payment application, the aforementioned electronic money remittance result content NRC62 with notification and electronic money use content NUC62 with notification are displayed in chronological order. is displayed.

In this state, as an example and not a limitation, based on the tapping of the electronic money use content NUC62 with notification, a function selection region FSR is displayed above it as a display region from which the user can select a function to be executed based on this content. is displayed. In this example, the function selection fields include, but not limited to, a "copy" function to copy the tapped content, a "transfer" function to transfer the tapped content, and a "reply" function to the tapped content. It includes multiple functions such as a reply function, and an “announcement” function that displays content in the talk room fixedly at a predetermined position (such as the top of the screen).

By way of example and not limitation, when the "reply" function is tapped, the screen shown in the middle of Figure 6-3 is displayed. This screen shows that the chat partner is user A. A one-to-one chat room screen for user B.A. Text content TC61 whose transmission source is user A.B and user A.B. A text content TC62 with A as the transmission source is displayed in the talk area.
Also, a keyboard area and a reply area are displayed thereon so as to overlap a part of the talk area.

In the reply area, as an example and not a limitation, information related to the electronic money use content NUC62 with notification, which is the quoted content shown in the left screen of FIG. 6-3, and at least one A quoted information display area QIR in which first quoted information quoting part information is displayed, and at least and a content input area CIR for the user to input content to be transmitted together with second quoted information that quotes part of the information.
In this example, the quotation information display area QIR is displayed as an area different from the content input area CIR and in which the user cannot input content.

In this example, in the quotation information display area QIR, as part of the information included in the notification-attached electronic money use content NUC62, the characters "The electronic money sent to A.A was used." is displayed.

The first quoted information displayed in the quoted information display area QIR may or may not include information about the source (sender) of the quoted content.
The information about the source (sender) of the content can include, by way of example and not limitation, the name of the source (account name, user name), an icon image, and the like.

In the example of the screen in the center of Fig. 6-3, the citation information display area QIR is associated with the characters "The electronic money sent to A.A has been used." An icon image of a payment application and its name (Payment App) are displayed.

Further, the content input area CIR below it includes a content input field for the user to input content and a send button for transmitting the input content together with the quote information.
In this example, using the keyboard, user B. B indicates that the text "You haven't bought the manga, have you?"

Then, by way of example and not limitation, the screen on the right side of FIG. 6-3 is displayed.
Specifically, user A. Under the text content TC 62 originating from A, user B. B as the transmission source, second quotation information including the icon image of the payment application and its name (Payment App) displayed as the quotation information on the screen in the center of FIG. 6-3, and User B. on the screen. Quote response content (reply content) QC61 including "You haven't bought the manga, have you?" input by B is displayed. User A. A text content TC66 including the text "I bought a reference book properly" sent from A is displayed.

In this example, user B. The content entered by B is displayed in the area below the second quoted information.
Note that unlike this example, user B. The content entered by B may be displayed in the area above the second quoted information.

Also, in this example, as an example and not as a limitation, the content NUC62 using electronic money with notification, which is the content of the quoted source, includes a ">Confirm details" button, but the quoted response content sent to the user of the talk partner is included. QC61 does not include a ">Confirm Details" button. This is because one way of thinking is that it is appropriate to limit the ability to check "detailed information" such as the usage history of e-money with notification to the user of the notification destination account. be.
However, it is not limited to this, and a ">confirm details" button may be included in the quote response content QC61.

Further, in the above example, the first citation information to be displayed in the citation information display area QIR may be all information included in the citation source content, or may be a part of the information.
Further, the second citation information transmitted together with the content input by the user may be all information included in the citation source content, or may be a part of the information.
Also, the first citation information and the second citation information may be completely the same information, or may be partially different information.

Also, unlike the above example, the content input area CIR and the quotation information display area QIR may be made into one area. That is, the first citation information may be displayed in the content input area CIR.
Also, unlike the above example, the information about the source (sender) of the content may not be displayed in the quoted information display area QIR.

FIG. 6-4 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20B in this modified example.
The left side of FIG. 6-4 is a diagram showing an example of a group chat room screen in which the chat partner is a group "Family", and on the left side in the chat area is an electronic money remittance with notification sent from a payment application. Result content NRC64 and user A. A text content TC67 including the text "Thank you for your allowance!" Electronic money usage content NUC64 with notification based on the use of the electronic money with notification sent to A is displayed in chronological order.

In this state, as a non-limiting example, based on the electronic money use content NUC 64 with notification being tapped, the user can select a function to be executed based on this electronic money use content NUC 64 with notification below it. A function selection area FSR is displayed as a display area. In this example, the function selection area FSR includes, in addition to the functions described above, by way of example and not limitation, a "recurring remittance setting" function for setting recurring remittances. When this "recurring remittance setting" function is tapped, the screen in the middle of Fig. 6-4 is displayed as an example and not by way of limitation.

This screen is an example of a regular remittance setting screen in a payment application, and by way of example and not limitation, a remittance date setting field for setting a remittance date, a remittance account setting field for setting a remittance account, A notification destination account setting field for setting a notification destination account and a remittance amount setting field for setting a remittance amount are provided.

The set remittance date is displayed in the remittance date setting field. In this example, a state in which "remittance on the 1st of every month" is set is shown. Also, by tapping the "change" button on the right side, it is possible to change the remittance date of electronic money with notification.

Information about the set remittance account is displayed in the remittance destination account setting column. In this example, user A. An icon image of A and its user name (A.A) are displayed.

Information about the set notification destination account is displayed in the notification destination account setting column. This example shows a state in which the group "Family" in the messaging application is set as the notification destination account. Also, by tapping the "change" button on the right side, the notification destination account can be changed.

The remittance amount setting column displays the set remittance amount of electronic money with notification. This example shows a state in which "3,000 yen" is set. Also, by tapping the "change" button on the right side, the remittance amount can be changed.

In this state, when the "setting" button BT61 at the bottom of the screen is tapped, the screen on the right side of FIG. 6-4 is displayed as an example and not as a limitation.
This screen is a screen corresponding to the talk room screen on the left side of FIG. 6-4, and under the electronic money use content NUC64 with notification on the talk room screen on the left side of FIG. , a periodic remittance setting content NSC61 indicating that the periodic remittance setting has been made (or that the periodic remittance setting has been changed) is displayed. The periodic remittance setting content NSC61 indicates that the remittance amount for the periodic remittance has been reduced from "5,000 yen" to "3,000" yen.

Under it, user B. A text content TC68 including the text "I'm buying a game, so I'll reduce my allowance from next month" sent by user A.B, and user A.B as a transmission source. A text content TC69 including the text "Why?" sent from A is displayed.

<Processing>
In this embodiment, the control unit 21 of the terminal 20 (as an example, not limitation, the terminal 20 of the user of the remittance source account) displays one content in the chat room of the messaging application displayed on the display unit 24 of its own terminal 20. Based on the input for (as an example and not by way of limitation, e-money use content with notification), a function selection area is displayed corresponding to that content.

When the "reply" function is selected as an example and not as a limitation, the control unit 21 displays a citation information display area including the first citation information and a content input area. Also, a keyboard is displayed based on detection of an operation on the content input area. Then, the input content input by the user through the keyboard is displayed in the content input area, and when the send button is operated, the quote response content including the second quote information and the input content is sent to the terminal 20 itself. Display it in the talk room. Also, the second quotation information and the input content are transmitted to the server 10 via the communication I/F 22 .
In response to this, the control unit 11 of the server 10 generates quote response content based on the received information, and transmits the content to the terminal 20 of the talk partner via the communication I/F 14 .
Then, the control unit 21 of the terminal 20 of the talk partner displays the received quote-response content in the talk room of the display unit 24 of its own terminal 20 .

In addition, when the “regular remittance setting” function is selected as an example and not as a limitation, the control unit 21 executes the payment application and causes the display unit 24 to display the periodic remittance setting screen. Then, the setting information related to the regular remittance set based on the user's input is transmitted to the server 10 via the communication I/F 22 .
In response to this, the control unit 11 of the server 10 generates regular remittance setting content based on the received setting information, and transmits it to the terminal 20 of the talk partner via the communication I/F 14 .
Then, the control unit 21 of the terminal 20 of the talk partner displays the received regular remittance setting content on the talk room of the display unit 24 of its own terminal 20 .

In this embodiment, the terminal 20 of the user of the account to be notified is the terminal 20 of the user of the remittance source account (not limited, but an example in which the third terminal is the first terminal), and the chat room is the remittance source. Including the user of the account (one example, without limitation, of the user of the first terminal) and the user of the destination account (one example, without limitation, of the user of the second terminal). Then, the server 10, when an input is made to the electronic money use content with notification displayed in the talk room, information for setting the periodic remittance (not limited, but for setting the notification for each set period) An example of information for inputting the amount of money to be remitted to the user of the second terminal) is transmitted to the terminal 20 of the user of the remittance source account via the communication I/F 14.
As an example of the effect of the embodiment obtained by such a configuration, an input to a notification displayed in a chat room including the user of the first terminal and the user of the second terminal is performed by the user of the first terminal. Based on this, it is possible to enable the user of the first terminal to input the amount of money to be remitted to the user of the second terminal for electronic money for which notification settings have been made for each set period. can do.

<Seventh embodiment>
The seventh embodiment is an embodiment that makes it possible to limit the use of the electronic money balance with notification.

The content described in the seventh embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

FIG. 7-1 is a diagram showing an example of an account management database 155F, which is an example of the account management database 155 in this embodiment.
Each account management data contained in the account management database 155F includes, in addition to the application ID and the normal electronic money balance, as a non-limiting example, restricted electronic money management data and restricted electronic money usage history data. , and electronic money use limit management data are stored.

The restricted electronic money management data is data for managing information about restricted electronic money associated with the account of this application ID. In this data, the restricted electronic money management data includes, as a non-limiting example, a remittance management ID, a remitter ID, a notification recipient ID, a notifier name, and a restricted electronic money balance, which are associated and stored. be done.

The remittance management ID is an ID for uniquely identifying a remittance of restricted electronic money. As an example, not a limitation, each time a remittance of restricted electronic money is executed by the server 10, a different ID is generated by the server 10. set and stored.
By way of example and not limitation, user B. User A.B from the same account of B. Even if restricted electronic money is remitted to the same account of A, different IDs are set for each.

The remitter ID is identification information for identifying the account that has remitted the restricted electronic money to the account of this application ID. ID is stored.

The notification destination ID is information for identifying the notification destination account when the corresponding restricted electronic money balance is used, and as an example, not limitation, the application ID of the account set as the notification destination account is stored. be done.

The notifier name is a user name corresponding to this notification destination ID. By way of example and not limitation, account registration data 153 stores the user name associated with the application ID corresponding to this contactee ID.

The restricted electronic money balance is the restricted electronic money balance associated with this remittance management ID.

The restricted electronic money usage history data is data related to the usage history of restricted electronic money. stored.
The payment ID, the remittance management ID, the name of the store used, the date and time of use, and the amount of money used can be configured in the same manner as the electronic money usage history data with notification described above, for example and not limitation.

Electronic money usage restriction management data is data for managing (regulating) the usage restriction of electronic money with restrictions. stored in association with each other.

The remittance management ID is information for identifying the restricted electronic money to which the restricted electronic money balance is restricted in the electronic money usage restriction management data. Of the remittance management IDs stored, as an example and not as a limitation, remittance management IDs for which use restrictions have been set by the remitter are stored.

The usability flag is flag information for indicating whether or not it is possible to use this restricted electronic money balance (payment using this restricted electronic money balance). If the "enabled" flag is disabled, the "disabled" flag is stored.

The usable status end date and time stores, by way of example and not limitation, the date and time when this restricted electronic money balance, if usable, goes from usable to unusable.

Note that this data exemplifies whether or not use (payment) is possible within a certain time limit as a restriction on the use of the electronic money balance with notice as an example, not as a limitation, but it is not limited to this. An example of electronic money usage restriction management data for imposing various restrictions will be described later.

<Display screen>
7-2, 7-3, and 7-4 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of FIG. 7-2 shows an example of the remittance screen of the payment application displayed on the display unit 24 of the terminal 20B. On this remittance screen, from the center to the bottom of the screen, information indicating the user of the remittance destination account and a slide button for selecting whether or not to receive the above-described electronic money use notification with notification are provided. Furthermore, below that, a slide button is provided for selecting whether or not to restrict the use of the electronic money balance with notification.

Below that, there is provided a "use restriction setting" button BT71 for setting the contents to restrict the use of the restricted electronic money.
In this example, it is assumed that a "time limit" has already been set as content for restricting the use of restricted electronic money.

Here, a state is shown in which both slide buttons are set to "ON" and the "remittance" button BT2 is tapped.
The center of FIG. 7-2 shows an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20A in this case.
In this notification screen, restricted electronic money remittance result information RR71 indicating that restricted electronic money has been remitted is displayed on the left side of the notification area.

In this example, the restricted electronic money remittance result information RR71 includes user B.B. User B.B is notified of use of electronic money with notification, and user B.B is required to use restricted electronic money. B's permission is indicated.
Also, if the restricted electronic money is used, the user B. To the right of the illustration showing that B will be notified of the use of electronic money with notification, there is a mark similar to a caution mark/construction mark indicating that the use of electronic money with notification is restricted (hereinafter referred to as "restriction RMK is displayed.

The right side of FIG. 7-2 shows an example of the code payment screen displayed on the display section 24 of the terminal 20A.
In this code payment screen, information about the restricted electronic money balance and information about the unlimited electronic money balance (that is, normal electronic money balance) are displayed in the upper balance display area within the wallet code information display area WCR1. is displayed.
The balance indicated as "restricted" is the restricted electronic money balance, but as described above, user B.1 is required to use the restricted electronic money w. B's permission is required and user A.B's permission is required. A is user B.A. I have not yet obtained permission from B. Therefore, the display portion of the information regarding the balance of the restricted electronic money is grayed out, and the user A. Even if A taps the radio button provided to the left of the character "with restrictions", it cannot be turned "ON".

The left side of FIG. 7-3 is a diagram showing an example of a notification screen of the payment application displayed on the display unit 24 of the terminal 20B. The attached electronic money remittance result information RR72 is displayed. The restricted electronic money remittance result information RR72 is provided with a restricted electronic money usage permission button BT72 for permitting the use of the remitted electronic money with notification only for a set time ("60 minutes" in this example). .

The right side of FIG. 7-3 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20A in this case.
Under the restricted electronic money remittance result information RR71 in the notification area, user B. Restricted electronic money use permission information RP71 indicating that use of restricted electronic money is permitted by B is displayed.
In this example, the period during which the restricted electronic money can be used is not a limitation, but is an example of information for permitting/approving the use of restricted electronic money transmitted from the terminal 20B (limited electronic money use period described later). approval information) is received by the server 10 until a set time ("60 minutes" in this example) elapses.

FIG. 7-4 is a diagram showing an example of the code payment screen displayed on the display section 24 of the terminal 20B.
User B. Since the use of restricted electronic money is permitted by B, the grayed out part of the display of information on the balance of restricted electronic money that was displayed in the wallet code information display area WCR1 on the code payment screen on the right side of Fig. 7-2 has disappeared. released and user A. A can be set to "ON" by tapping the radio button provided to the left of the letter "with restrictions". Here, a state in which the radio button is set to "ON" is shown. By making a code payment in this state, payment result information will be displayed as shown on the right side of Fig. 7-4.

<Processing>
7-5 and 7-6 are flowcharts showing an example of the flow of processing executed by each device in this embodiment.
First, the control unit 21 of the terminal 20B performs a restricted electronic money remittance setting process as a setting process related to the restricted electronic money remittance based on the user's input to the input/output unit 23 (B410).

Then, the control unit 21 of the terminal 20B transmits electronic money remittance request information with notification, which includes setting information including settings regarding usage restrictions and a notification destination account, as an example and not a limitation, to the server 10 via the communication I/F 22. (B420).

When receiving the restricted electronic money remittance request information from the terminal 20B through the communication I/F 14, the control unit 11 of the server 10 performs restricted electronic money remittance processing (S410).
Specifically, the control unit 11 of the server 10 selects the account management data included in the account management database 155F for the user A.A., who is the user of the remittance destination account. Account management data corresponding to the account of A (or terminal 20A) is updated based on the setting information included in the electronic money remittance request information with notification received from terminal 20B.
In addition, the control unit 11 of the server 10 sets an initial value of "impossible" as a usability flag of the electronic money usage restriction management data, not as a limitation, but as an example.

After that, the control unit 11 of the server 10 transmits restricted electronic money remittance result information, which is information about the restricted electronic money remittance results, to the terminals 20A and 20B via the communication I/F 14 (S420). The restricted electronic money remittance result information may include the remittance management ID generated in the restricted electronic money remittance process.
Upon receiving the limited electronic money remittance result information from the server 10, the control unit 21 of the terminal 20A and the control unit 21 of the terminal 20B display it on the display unit 24 (A410, B430).

Next, the control unit 21 of the terminal 20B causes the display unit 24 to display a display for selection as to whether or not to approve the use of the remitted limited electronic money balance (B440). If use approval is selected based on the user input to input/output unit 23 (B440: YES), control unit 21 of terminal 20B transmits restricted electronic money use approval information to server 10 via communication I/F 22. (B450). The restricted electronic money use approval information may include the remittance management ID of the restricted electronic money balance for which use is approved.
If use approval is not selected (B440: NO), the control unit 21 of the terminal 20B skips step B450.

When receiving restricted electronic money usage approval information from terminal 20B via communication I/F 14 (S430: YES), control unit 11 of server 10 executes restricted electronic money usage approval processing (S440).
Specifically, as a non-limiting example, the control unit 11 of the server 10, from the electronic money usage restriction management data in the account management data included in the account management database 155F, the remittance designated by the restricted electronic money usage approval information. Change the usability flag of the management ID from "disabled" to "enabled". Also, a predetermined date and time (as an example, not as a limitation, 60 minutes after receipt of the restricted electronic money usage approval information) is stored as the available state end date and time.

If the communication I/F 14 does not receive the restricted electronic money use approval information from the terminal 20B (S430: NO), the control unit 11 of the server 10 skips the step of S440.

The control unit 21 of the terminal 20A displays the received wallet code information on the display unit 24 (A130), and designates the balance to be paid as an example, not as a limitation, based on the user's input to the input/output unit 23. The payment balance selection information including the remittance management ID for the payment is transmitted to the server 10 via the communication I/F 22 (A420). In addition, when it is selected to make a payment from the normal electronic money balance, information for selecting to make a payment from the normal electronic money balance may be included as payment balance selection information. Further, the control unit 21 of the terminal 20A does not have to transmit the payment balance selection information to the server 10 when the balance to be paid is not specified.

Note that the control unit 21 of the terminal 20A may execute step A420 at the same time as or before or after step A120. In this case, the control unit 11 of the server 10 may prevent the wallet code information from being sent to the terminal 20A when the usage availability flag of the restricted electronic money balance designated as the balance for payment is "impossible". .

When payment request information is received from the store POS system 40 through the communication I/F 14 and payment balance selection information is received from the terminal 20A, the control unit 11 of the server 10 executes limited payment processing (S450).

In the restricted payment process, the control unit 11 of the server 10, as an example and not as a limitation, determines that the usable flag of the restricted electronic money balance specified as the balance to be paid is "possible" based on the payment balance selection information. If there is, and if the usable state end date and time have not passed, it is determined whether or not the payment can be made using the specified restricted electronic money balance. If the payment is successful, the control unit 11 of the server 10 deducts the payment amount from the specified restricted electronic money balance.
If the usability flag of the restricted electronic money balance designated as the balance to be paid is "disabled", or if the usable state end date and time have passed, the control unit 11 of the server 10 cancels the designated limit Settlement using the attached electronic money balance is determined as failure. If the usable state end date and time has passed, the control unit 11 of the server 10 changes the usability flag of the specified restricted electronic money balance from "possible" to "disabled", and the usable state end date and time is reached. may be deleted.
If the settlement using the restricted electronic money balance fails due to insufficient balance or usage restrictions, the control unit 11 of the server 10 may switch to the normal electronic money balance and execute the settlement.
When the normal electronic money balance is specified as the balance for payment, the control unit 11 of the server 10 executes settlement using the normal electronic money balance.

Note that when the payment balance selection information is not received from the terminal 20A, the control unit 11 of the server 10 limits the electronic money balance with notification based on the methods (a) to (f) described in the first embodiment. The electronic money balance may be replaced with the balance to be paid, and the limited payment processing may be performed.

After S150, the control unit 11 of the server 10 determines whether or not the restricted electronic money balance is used for settlement in the restricted settlement process of S450 (S460).
If it is determined that it has not been used (S460: NO), the control unit 11 of the server 10 terminates the process.
On the other hand, if it is determined that it has been used (S460: YES), the control unit 11 of the server 10 transmits restricted electronic money usage information to the terminal 20B via the communication I/F 14 (S470). Then, the control unit 11 of the server 10 terminates the process.

The control unit 21 of the terminal 20B determines whether or not the restricted electronic money usage information has been received from the server 10 via the communication I/F 22 (B460).
If it is determined that it has not been received (B460: NO), the control unit 21 of the terminal 20B terminates the process.
On the other hand, if it is determined that it has been received (B460: YES), the control section 21 of the terminal 20B displays the received restricted electronic money usage information on the display section 24 (B470). Then, the control unit 21 of the terminal 20B terminates the process.

<Seventh Modification (1)>
In the above embodiment, an example is shown in which the notification destination account is notified when the restricted electronic money balance is used, but the present invention is not limited to this. By way of example and not limitation, the use of a restricted electronic money balance may not be communicated to a third party, such as the sender.

In this case, as an example and not as a limitation, no data is stored in the notified party ID and the notifyr name of the restricted electronic money management data (NULL is stored as an example, not as a limitation). Then, even if the restricted electronic money balance is used in the restricted payment processing, the control unit 11 of the server 10 does not transmit the restricted electronic money usage information.

<Seventh Modification (2)>
In the above embodiment, there were cases where the restricted electronic money balance could not be used in the restricted payment process, but the present invention is not limited to this. By way of example and not limitation, restricted payment transactions may always allow the use of a restricted electronic money balance.
In this case, as a non-limiting example, for a predetermined remittance management ID, the remittance management ID may not be stored in the electronic money usage restriction management data. Alternatively, for a predetermined remittance management ID, the use permission/prohibition flag of the electronic money usage restriction management data is permanently set to "enabled", and the date and time when the usable state ends is sufficiently in the future (not limited to, but for example, 5 billion years later). ) may be set. At this time, it is equivalent to the fact that there is no restriction on the use of the restricted electronic money balance in the restricted payment processing.

In addition, if the use of the restricted electronic money balance is not restricted in the restricted payment process and the use of the restricted electronic money balance is notified to the notified account, the restricted electronic money balance is referred to as the notified electronic money balance. good.

<Seventh modification (3)>
In the above embodiment, the normal electronic money balance and the restricted electronic money balance were distinguished, but the present invention is not limited to this. As a non-limiting example, normal electronic money balance may be defined as restricted electronic money management data without notification destination ID/notifier name, and electronic money usage restriction management data as restricted electronic money balance without usage restrictions in restricted payment processing. good. In this case, in the restricted electronic money management data, for example and not limitation, the remittance management ID can be an ID generated when electronic money is charged, and the remittance source ID can be the same as the application ID.

That is, the broadly defined "restricted electronic money balance" can include the following concepts.
(1) "Restricted e-money balance with notification" that has restrictions on use and is notified to a third party such as the remitter when used.
(2) "Electronic money balance with restrictions without notification," which has restrictions on use but does not notify third parties even if used.
(3) "Electronic money balance with notification and unrestricted (e-money balance with notification)" that has no restrictions on use and is notified to a third party when used (there is a restriction that it will be notified when used) .
(4) "Electronic money balance without notice and limit (ordinary electronic money balance)" which does not have any restrictions on use and is not notified to a third party even if used (no restrictions exist).

<Seventh modification (4)>
In the above embodiment, an example was shown in which the remitter's approval is required in advance as a restriction on the use of the balance in the restricted payment process, but the present invention is not limited to this.
As a restriction on the use of the balance in the restricted payment process, as an example and not as a limitation, the balance may not be used as a balance for payment at a store or service of a specific type of industry/business category.

FIG. 7-7 is a diagram showing an example of an account management database 155G, which is an example of the account management database 155 in this modification.
In the account management database 155G, the electronic money usage restriction management data is stored in association with, for example and not limitation, a remittance management ID and a use-prohibited store category.

The use-prohibited store type is an item for storing the type of business/business type for which the use of this restricted electronic money balance is prohibited.
In FIG. 7-7, as a non-limiting example, the restricted electronic money balance managed by the remittance management ID "T01003" is classified into "apparel", "furniture/home appliances", and "bar/pub". It is stored that it cannot be used at a store/service.

7-8 and 7-9 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this modified example.
FIG. 7-8 is a diagram showing an example of a display screen regarding another example of restrictions on use of restricted electronic money.
The left side of FIG. 7-8 is a diagram showing an example of the remittance screen of the payment application displayed on the display unit 24 of the terminal 20B, and is a screen diagram corresponding to the screen on the left side of FIG. 7-2.
In this example, the content for restricting the use of restricted electronic money has not yet been set, so the "remittance" button at the bottom of the screen is grayed out.
When the above-described "set use limit" button BT71 is tapped, a display such as that shown in the center of FIG. 7-8 is displayed.

On this screen, it is possible to set, as a content for restricting the use of restricted electronic money, not as a limitation, but as an example, the type of store where the use of restricted electronic money is prohibited.
In this example, the business types of multiple stores such as "Convenience Store", "Supermarket/Home Center", "Apparel", "Furniture/Home Appliances", "Izakaya/Pub", and "Coffee Shop" each have illustrations and business names. are listed in the contains box.

Tapping on a box that you would like to disallow use of restricted e-money will, by way of example and not by way of limitation, place a checkmark in association with that box. Then, by tapping the "Set" button BT73 at the bottom of the screen, it is possible to set the type of business with a check mark as the type of business for which the use of restricted electronic money is restricted.

In this example, user B. B indicates that the three industries of "apparel", "furniture/electronics", and "izakaya/pub" are tapped as industries for which the use of restricted electronic money is prohibited and a check mark is added. By tapping the “setting” button BT73 in this state, the screen on the right side of FIG. 7-8 is displayed as an example and not as a limitation.

This screen is a remittance screen of the payment application and corresponds to the screen on the left side of FIG. 7-8. In this example, an icon corresponding to the type of industry set on the center screen of FIG. 7-8 is displayed above the "set usage restrictions" button BT71 on the remittance screen on the left side of FIG. 7-8. Specifically, icons corresponding to the three business categories of "apparel", "furniture/electronic appliances", and "bar/pub" are displayed. In addition, the greying out of the “Transfer” button on the left screen of FIG. 7-8 has been removed due to the establishment of the business category that prohibits the use of restricted electronic money. Here, a state in which the "remittance" button BT2 is tapped is shown.

The left side of FIG. 7-9 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20A in this case.
Restricted electronic money remittance result information RR73 is displayed on the left side of the notification area. This restricted electronic money remittance result information includes user B. Includes illustrations corresponding to industries that prohibit the use of restricted electronic money set by B. Specifically, icons corresponding to the three business categories of "apparel", "furniture/electronic appliances", and "izakaya/pub" are displayed along with the prohibition mark and the words "cannot be used at the following stores".

After that, the code payment screen in the center of FIG. 7-9 shows a state in which the radio button for the restricted electronic money balance in the wallet code information display area WCR1 is turned "ON". In this state, by way of example and not limitation, user A.A. Assume that A wants to make a payment at an electronics store ("XX Denki" in this example) and has the wallet code information read by the store's code reader. However, electronics stores are included in the category of “furniture and home appliances” where the use of restricted electronic money is prohibited, so the use of restricted electronic money is prohibited. As a result, by way of example and not limitation, the screen on the right side of FIGS. 7-9 is displayed.

In this screen, information indicating that the balance is insufficient and payment cannot be made is displayed so as to be superimposed on the wallet code information display area WCR1.
Specifically, since the payment amount is "1,000 yen" and the restricted electronic money balance is "1,000 yen", the amount is actually sufficient. However, since the use of the restricted electronic money balance is prohibited, the restricted electronic money balance "1,000 yen" cannot be used for payment. Therefore, the payment amount is "1,000 yen", and the balance is insufficient.
In this example, only the limited electronic money balance is used for payment, and the normal electronic money balance is not used for payment.

In this modification, first, in step B410 of FIG. 7-5, the control unit 21 of the terminal 20B, as an example and not a limitation, based on the user's input to the input/output unit 23, determines whether the limited electronic money balance can be used. Set the industries and business categories that prohibit
In step S410 of FIG. 7-5, the control unit 11 of the server 10, as an example and not a limitation, manages electronic money usage restrictions based on setting information included in the electronic money remittance request information with notification received from the terminal 20B. Update data prohibited store types.

Also, the control unit 21 of the terminal 20B skips steps B430 to B450 in FIG. 7-5, and the control unit 11 of the server 10 skips steps S430 to S440 in FIG. 7-5.

In step S450 of FIG. 7-5, the control unit 11 of the server 10 determines from the payment request information, as an example and not a limitation, the restricted electronic money balance designated as the balance for payment is prohibited from being used. If it does not match the type of industry/business type, the specified restricted electronic money balance is used to determine whether or not the settlement is possible. If the payment is successful, the control unit 11 of the server 10 deducts the payment amount from the specified restricted electronic money balance.
If the restricted electronic money balance designated as the balance to be paid is prohibited from being used by the store type and the type of business determined from the payment request information, the control unit 11 of the server 10 detects the designated limited electronic money balance. is determined to be unsuccessful.

It should be noted that the restrictions on the use of the restricted electronic money balance include the following restrictions as examples, not limitations.
・Approval of use in the remittance source account, notification destination account, etc.
• Notifications regarding the use of restricted e-money balances.
・The date and time period when the restricted electronic money balance can be used (for example, it can be used on excursion days, Saturdays and Sundays, and the time period from 11:00 to 13:00, etc.).
- The date and time period when the restricted electronic money balance cannot be used (examples, not limitations, include weekdays and late night hours from 22:00 to 6:00, etc.).
・Restrictions on use in the industry/business format of the store/service provider performing the payment (as an example, not as a limitation, based on the identification information of the payment store included in the payment request information, use is possible/impossible depending on the industry/business format of the store/service etc.)
・Restrictions on the use of products and services for which payment is made (for example, but not as a limitation, based on the JAN code, EAN code, etc. included in the product image captured by the terminal or the payment request information, the product or service that can be used is determined More specifically, as an example, not as a limitation, it can be used to purchase plastic models, but not to purchase game software, etc.)
・ Restrictions on use regarding payment amount (for example, not limited, if the payment amount is 1000 yen or less, it can be used)
・Restrictions on use based on terminal location (for example, not limited to, it can be used within a radius of 5 km from your home, etc.)
・Restrictions on withdrawals (examples, not limitations, such as not being able to withdraw cash from ATMs or bank accounts from restricted electronic money balances)
・Expiration date from the time the restricted electronic money balance is used for the first time.
- The number of times the restricted electronic money balance is used (as an example, not as a limitation, it can be used "10 times", etc.).
• Any combination of the above restrictions.

Also, the restricted electronic money balance is not limited to being generated by remittance. By way of example and not limitation, when a parent charges a child's account, the parent's terminal or the child's terminal may or may not be used to set usage limits.

In this modification, the restrictions set on the restricted electronic money are: restrictions on notifying when the user of the terminal 20 making the payment uses restricted electronic money; Restrictions, restrictions on goods or services on which restricted electronic money may be used, restrictions on categories of goods or services on which restricted electronic money may be used, restrictions on products for which restricted electronic money may not be used, use of restricted electronic money It shows a configuration including at least one of restrictions on time periods when restricted electronic money cannot be used, dates on which restricted electronic money cannot be used, and restrictions on dates and times when restricted electronic money cannot be used.
As an example of the effect of the modification obtained by such a configuration, a restriction on notifying the user of the first information processing device when the user of the information processing device uses the first electronic money, Restrictions on stores where the first electronic money can be used, restrictions on goods or services where the first electronic money can be used, restrictions on the categories of goods or services where the first electronic money can be used, restrictions on goods where the first electronic money cannot be used, A user of the first information processing device can set various restrictions on the first electronic money, such as restrictions on the time period when the first electronic money cannot be used and restrictions on dates or times when the first electronic money cannot be used. Therefore, it is possible to improve convenience for the user of the first information processing apparatus.

<Seventh modification (5)>
In the above embodiment, a limited electronic money balance is used at the time of payment, but this is not the only option.
By way of example and not limitation, after using regular e-money in a payment, transfer the balance from the restricted e-money balance to the regular e-money balance based on usage authorization in, for example and without limitation, the source account, the destination account, etc. It may be converted. That is, even if restricted electronic money cannot be used at the time of payment, the restricted electronic money balance may be used after payment by paying in advance using normal electronic money.

7-10 to 7-11 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 7-10 is a code payment screen similar to the center screen of FIG. 7-9.
In this example, the charge button CBT is tapped and user A. A state is shown in which electronic money has been charged for "500 yen" by A, and the balance of normal electronic money has increased from "500 yen" to "1,000 yen". If a code payment of "1,000 yen" is made in this state, the payment result information in the center of FIGS. 7-10 is displayed as an example, not as a limitation.
In this example, it is indicated that the payment from "unrestricted" is "1,000 yen" because electronic money is normally used for payment.

The right side of FIG. 7-10 is the main menu screen of the payment application that is displayed after that. No limit” is changed to “0 yen”.

The left side of FIG. 7-11 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20B.
On this notification screen, restricted electronic money use confirmation information RV74 for confirming whether or not to permit use of restricted electronic money is displayed below restricted electronic money remittance result information RR74. If the "Allow" button contained in this information is tapped, user A. User B.A is allowed to use the restricted electronic money sent to B.A. When selected by B, as shown in the center of FIG. 7-11, a notice to that effect (text of "permit") is displayed in the notification area. However, this permission to use restricted electronic money is, in this example, permission to convert the balance from a restricted electronic money balance to a regular electronic money balance.

Based on the above authorization, the server 10 authenticates the user A. The balance is converted from the restricted e-money balance of A's account to the normal e-money balance. Then, the restricted electronic money usage information RU71 is transmitted from the server 10 to the terminal 20B. As a result, as shown in the center of FIG. 7-11, restricted electronic money usage information RU71 is displayed in the notification area.

On the other hand, the wallet main menu screen of the payment application of the terminal 20A is displayed as shown on the right side of FIG. 7-11. Specifically, the server 10 sends user A. Due to the conversion of the balance of the restricted electronic money balance of the account A to the normal electronic money balance, the information on the restricted electronic money balance displayed in the balance display area BR2 on the right side of the screen in FIG. 7-10 is no longer displayed. The balance of "1000 yen" (normal electronic money balance) and the charge button CBT are displayed on the screen on the right side of FIG. 7-11.

<Seventh Modification (6)>
If a refund occurs when a product or service is returned, or if the restricted e-money balance is used at the time of payment, the refunded amount will be added to the restricted e-money balance used at the time of payment. good too. In this case, the processing can be performed in the same manner as in the second modified example, not as a limitation, but as an example.

<Eighth embodiment>
In the above-described embodiments, the server 10 used either normal electronic money or restricted electronic money in the payment process (restricted payment process) to make a payment.
The eighth embodiment is an embodiment in which settlement is made using normal electronic money and one restricted electronic money.

The content described in the eighth embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Display screen>
FIG. 8-1 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this embodiment. .
The left side of FIG. 8-1 is the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, showing a state where the "code payment" icon has been tapped.
Then, as a non-limiting example, a code payment screen such as the one in the center of FIG. 8-1 is displayed.

In this screen, the notification destination account is user B. "1,000 yen" is displayed as the restricted notification money balance of B's account, and "500 yen" is displayed as the normal electronic money balance. When the “code payment” icon IC2 is tapped, the code payment screen in the center of FIG. 8-1 is displayed.

In this code payment screen, the wallet code information display area WCR1 displays the total balance of the restricted electronic money balance and the normal electronic money balance ("1,500 yen" in this example). Also, as described above, information on the restricted electronic money balance (with restrictions) and information on the normal electronic money balance (without restrictions) are displayed. However, here, there are no radio buttons next to these displays, and the limited electronic money balance and the normal electronic money balance are automatically used for payment.

Here, a case of purchasing a product of "1,200 yen" is exemplified. Since the sum of the restricted notification money balance and the normal electronic money balance is "1,500 yen", it exceeds the payment amount of "1,200 yen". In this case, by way of example and not limitation, the restricted e-money may be preferentially used and the deficit may be used from the normal e-money. The settlement result information on the right side of FIG. 8-1 is displayed by performing settlement processing based on this.

Specifically, information indicating that the payment of "1,200 yen" has been completed is displayed. Information indicating that "200 yen" has been paid is displayed.

<Processing>
8-2 and 8-3 are flowcharts showing an example of the flow of processing executed by each device in this embodiment.

When payment request information is received from the store POS system 40 via the communication I/F 14, the control unit 11 of the server 10 executes a used balance calculation process (S500). In the used balance calculation process, the control unit 11 of the server 10 calculates the first payment amount to be paid from the restricted electronic money balance and the second payment amount to be paid from the normal electronic money balance among the payment amounts of the payment request information. and

Here, the first payment amount and the second payment amount are arbitrary amounts that satisfy the condition of "first payment amount" + "second payment amount" = "payment amount of payment request information", and are not limited. As an example, it can be defined as follows.
・Priority use of restricted electronic money balance.
"First payment amount" = "Restricted electronic money balance"("Second payment amount" = "Payment amount for payment request information" - "First payment amount")
・Priority use of the normal electronic money balance.
"Second payment amount" = "Normal electronic money balance"("First payment amount" = "Payment amount for payment request information" - "Second payment amount")
・Use according to the ratio of each balance.
"First payment amount": "Second payment amount" = "Restricted electronic money balance": "Normal electronic money balance"
The priority of the balance used for payment is hereinafter referred to as "priority of used balance".

By way of example and not limitation, FIG. 8-1 illustrates an example of automatically preempting a restricted electronic money balance. The method of calculating the first payment amount and the second payment amount shown above is preset and programmed by the user of the server 10 by way of example and not limitation.

When the first payment amount and the second payment amount are calculated, the control unit 11 of the server 10 performs payment processing with a continuous limit (S510). In the continuous limited payment processing, the control unit 11 of the server 10 performs the limited payment processing using the limited electronic money balance for the first payment amount as an example, not limitation, and performs the normal electronic payment processing for the second payment amount. Settlement transactions using money balances are performed serially.

If both the restricted payment process and the successful payment process are successful, then the consecutive restricted payment process is a successful payment.
If at least one of the limited payment process and the payment process fails, the continuous limited payment process becomes a payment failure (cannot be paid). If a consecutive restricted payment process fails, by way of example and not limitation, for the restricted payment process or the successful payment process, the process is reversed and the balance is returned.

Note that if the first payment amount=“0”, the restricted payment process may not be executed. Also, if the second payment amount=“0”, the payment process may not be executed. In these cases, unexecuted restricted payment transactions (payment transactions) are treated as successful.

When a limited payment process is executed, as an example and not a limitation, the control unit 11 of the server 10 generates a payment ID for each limited payment process in the payment history management data 157 and adds it to the payment history management data 157. can be made to In this case, the payment amount of the payment request information is stored as the payment amount of the payment history management data 157, and the first payment amount is stored as the usage amount of the restricted electronic money usage history data.

Note that the control unit 11 of the server 10 may generate separate payment IDs for the restricted payment process and the payment process in the payment history management data 157 and add them to the payment history management data 157 . In this case, in the payment history management data 157, it is recorded as if two payments were made for each processing of the payment request information. Therefore, in the case of refund due to return of goods to a store, etc., it is necessary to designate two payment IDs.

In this flowchart, for the sake of simplification of explanation, of the restricted electronic money, the notification transmission processing for the restricted electronic money balance with notification and the unrestricted electronic money balance with notification is omitted. In the continuous restricted payment process, when the restricted electronic money balance with notification or the unrestricted electronic money balance with notification is used and notification is performed, the control unit 11 of the server 10, as an example and not as a limitation, is similar to that shown in FIG. 7-6. The restricted electronic money usage information may be transmitted to the terminal 20B, which is the terminal of the account to which notification is made, at the end of the period. As a non-limiting example, when receiving the restricted electronic money usage information, the control unit 21 of the terminal 20B may cause the display unit 24 to display the received restricted electronic money usage information.

Also, prior to this flowchart, as an example and not a limitation, the control unit 21 of the terminal 20A communicates charging request information for charging the normal electronic money balance based on user input to the input/output unit 23. It may be transmitted to the server 10 by F22. In this case, when charge request information is received from terminal 20A through communication I/F 14, control unit 11 of server 10 executes charge processing for increasing the normal electronic money balance based on the received charge request information. can be

<Effects of the eighth embodiment>
This embodiment is a program executed by a terminal 20A (not limited, but an example of an information processing device) that communicates with a terminal 20B (not limited, but an example of a first information processing device). B (an example of a user of the first information processing device, not a limitation) sets usage restrictions including notification (not a limitation, but an example of a limitation), and the restricted electronic money balance remitted from the first information processing device ( a first payment amount (an example, but not a limitation, of at least a portion of the first electronic money) of the first electronic money; The second payment amount (not limited, but at least the amount of the second electronic money) of the normal electronic money balance (not limited, but an example of the second electronic money) associated with A (not limited, but an example of the user of the information processing device) Part of the example), the wallet code information display process (not a limitation, but an example of the process related to the first payment) for performing payment processing with continuous restrictions can be performed by the control unit of the information processing device. Fig. 3 shows the configuration performed by the device;
As an example of the effect of the embodiment obtained by such a configuration, at least a portion of the first electronic money remitted from the first information processing device with restrictions set by the user of the first information processing device and the information processing device By performing processing related to the first payment based on at least a part of the second electronic money associated with the user of the user, as an example and not as a limitation, at least two electronic money including the first electronic money for which at least the limit is set Payment using electronic money can be realized.

In this example, the information processing device is the terminal 20 of the user of the restricted electronic money remittance account (terminal 20A as an example, not limitation), and the first information processing device is the restricted electronic money remittance source account. It is referred to as terminal 20 (terminal 20B as an example and not as a limitation).
However, as a non-limiting example, the information processing device may be the terminal 20 of the user of the limited electronic money remittance account, and the first information processing device may be the server 10. is.
Combinations other than these are also possible.

Also, in this embodiment, the first electronic money and the second electronic money are selected based on a preset (preprogrammed) condition (not a limitation, but an example of a set condition). is shown.
As an example of the effect of the embodiment obtained by such a configuration, as an example and not as a limitation, it is possible to appropriately select the first electronic money and the second electronic money to be used for payment based on the set conditions. can be

In addition, the present embodiment shows a configuration in which the set conditions include conditions related to the use of a restricted electronic money balance (an example of electronic money with restrictions, not limitations).
As an example of the effect of the embodiment obtained by such a configuration, as an example, not as a limitation, a limit is set by the user of the first information processing device, and the first electronic money remitted from the first information processing device is prioritized. to be used for settlement.

In addition, in this embodiment, the restrictions set on the restricted electronic money are: restrictions on notifying when the user of the terminal 20 making the payment uses restricted electronic money; Restrictions on stores, restrictions on goods or services for which restricted electronic money can be used, restrictions on categories of goods or services for which restricted electronic money can be used, restrictions on products for which restricted electronic money cannot be used, restricted electronic money The configuration includes at least one of restrictions on time periods when the is not available, dates when restricted electronic money cannot be used, and restrictions on dates and times when restricted electronic money cannot be used.
As an example of the effect of the modification obtained by such a configuration, a restriction on notifying the user of the first information processing device when the user of the information processing device uses the first electronic money, Restrictions on stores where the first electronic money can be used, restrictions on goods or services where the first electronic money can be used, restrictions on the categories of goods or services where the first electronic money can be used, restrictions on goods where the first electronic money cannot be used, A user of the first information processing device can set various restrictions on the first electronic money, such as restrictions on the time period when the first electronic money cannot be used and restrictions on dates or times when the first electronic money cannot be used. Therefore, it is possible to improve convenience for the user of the first information processing apparatus.

In addition, the present embodiment performs a restricted electronic money remittance process (not limited, terminal 20B (not limited, but an example of a first information processing device) and a terminal 20A (not limited, but an example of a second information processing device). A program executed by a communicating server, wherein a restricted electronic money balance transferred from a first information processing device to a second information processing device, with limits set by a user of the first information processing device , an example of the first electronic money) and a process of associating the user of the second information processing device), a charge process (not limited, the normal electronic money balance (not limited, but an example of the second electronic money), and (an example of a process for associating with the user of the second information processing device), and based on the wallet payment request information (not limited, but an example of information transmitted from the second information processing device) by the control unit of the server. and the control unit executes a process related to payment processing with a continuous limit (not a limitation, but an example of the first payment) based on at least a portion of the first electronic money and at least a portion of the second electronic money. It shows the configuration performed by the server.
As an example of the effect of the embodiment obtained by such a configuration, the first electronic money, which is restricted by the user of the first information processing device, is transferred from the first information processing device to the second information processing device; After associating with the user of the second information processing device and associating the second electronic money with the user of the second information processing device, based on the information transmitted from the second information processing device, the first electronic money A first payment based on at least a portion and at least a portion of the second electronic money can be realized.

In addition, in the present embodiment, the restriction is not limited to the notification to the notification destination account, but when the user of the second information processing device uses at least part of the first electronic money, the user of the second information processing device 10 shows a configuration including an example of a restriction in which a notification indicating use is transmitted to the first information processing device by the communication unit of the server).
As an example of the effect of the embodiment obtained by such a configuration, when at least a part of the first electronic money has been used by the user of the second information processing device, the user of the first information processing device is informed of the contents thereof. be able to.

<Eighth modification (1)>
In the above embodiment, an example in which both the restricted electronic money balance and the normal electronic money balance are automatically used was shown, but the present invention is not limited to this.
By way of example and not limitation, electronic money (balance) to be used may be determined based on input by the user of terminal 20 making the payment.

FIG. 8D is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 8-4 is the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, which is the same as the left side of the screen in FIG. 8-1. When the “code payment” icon IC2 is tapped, the code payment screen in the center of FIG. 8-4 is displayed.

In this code payment screen, as described above, the information displayed in the wallet code information display area WCR1 is the total balance of the restricted electronic money balance and the normal electronic money balance ("1,500 yen" in this example). is displayed. Further, below that, a slide button is provided for selecting whether or not to use restricted electronic money for payment. By setting the slide button to "ON", it is possible to set to use restricted electronic money for payment. Also, when the slide button is set to "OFF", it is possible to set so that restricted electronic money is not used for payment.

In this example, a state in which the slide button is turned "ON" is shown. In this case, as in FIG. 8-1, it is possible to preferentially use the restricted electronic money and use the shortfall from the normal electronic money. The payment result information on the right side of FIG. 8-4 is displayed by performing the payment processing based on this.

Note that, unlike this example, normal electronic money may be preferentially used by turning the slide button "ON". In this case, if the slide button is set to "OFF", it can be set so that restricted electronic money is not used for payment.

FIG. 8-5 is a flowchart showing an example of the flow of processing executed by each device in this modified example.
As an example and not a limitation, when the wallet code information is displayed (A130), the control unit 21 of the terminal 20A displays the restricted electronic money balance and normal electronic money based on the user input to the input/output unit 23 as an example and not a limitation. Restricted electronic money use selection information including setting whether to use the balance or not is transmitted to the server 10 via the communication I/F 22 (A510).

When receiving the restricted electronic money usage selection information from the terminal 20A through the communication I/F 14, the control unit 11 of the server 10 executes the usage balance calculation process based on the restricted electronic money usage selection information (S500). Then, based on the calculated first payment amount and second payment amount, a payment process with continuous limit is executed (S510).

In the used balance calculation process, as an example and not limitation, if only the limited electronic money balance is used, "second payment amount" = "0", and if only the normal electronic money balance is used, "first payment amount ”=“0”, respectively.

When the control unit 11 of the server 10 does not receive the restricted electronic money use selection information from the terminal 20A, as an example and not as a limitation, the control unit 11 of the server 10 can Then, the used balance calculation process may be executed and the payment process with continuous limit may be executed, or not.

In addition, in the restricted electronic money use selection information, if the restricted electronic money balance or the normal electronic money balance is selected not to be used, and the continuous restricted payment process fails, the control unit 11 of the server 10 Restricted electronic money use confirmation information for confirming whether or not to re-execute settlement using both balances may be transmitted to terminal 20A via communication I/F 14 . When the control unit 21 of the terminal 20A receives the limited electronic money use confirmation information from the server 10, based on the user input to the input/output unit 23, etc., the control unit 21 uses the limited electronic money balance and the normal electronic money balance to make a payment. If re-execution is selected, the restricted electronic money use selection information may be sent to the server 10 again. After that, the control unit 11 of the server 10 may re-execute the used balance calculation process and the continuous limited payment process based on the resent limited electronic money use selection information.

Also, the selection of the balance to be used for payment is not limited to selection each time payment is made. As an example and not a limitation, prior to payment, the control unit 21 of the terminal 20A determines which balance of the limited electronic money balance and the normal electronic money balance is paid based on the user's input to the input/output unit 23. Accepts default settings as to what to use for Then, as a non-limiting example of payment after accepting the prescribed settings, when the control unit 21 of the terminal 20A displays the wallet code information (A130), the control unit 21 of the terminal 20A converts the established prescribed settings into a restricted electronic It may be transmitted to the server 10 as money use selection information.

In this modification, the restricted electronic money balance (not limited, but an example of the first electronic money) and the normal electronic money balance (not limited, but an example of the second electronic money) are stored in the terminal 20A (not limited, An example of an information processing apparatus) shows a configuration selected based on an input by a user.
As an example of the effect of the embodiment obtained by such a configuration, it becomes possible for the user of the information processing device to select the first electronic money and the second electronic money to be used for payment, and the user of the information processing device can Convenience can be improved.

<Eighth modification (2)>
In the above embodiment, the first payment amount and the second payment amount are determined according to the usage balance priority preset by the user of the server 10 as an example and not as a limitation, but the present invention is not limited to this.
By way of example and not limitation, the usage balance priority may be determined based on input by the user of the paying terminal 20 .

FIG. 8-6 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 8-6 is the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, showing a state where the "code payment" icon IC2 is tapped. Then, the code payment screen in the center of FIG. 8-6 is displayed.
In this code payment screen, as information displayed in the wallet code information display area WCR1, a restricted electronic money balance ("limited") and a normal electronic money balance (unlimited) are displayed separately. The e-money balance ("limited") is displayed above, and the normal e-money balance (unlimited) is displayed below.

By way of example and not limitation, user A. When A touches the display location of the normal electronic money balance and slides in the direction of the display location of the restricted electronic money balance (upward in this example), as shown on the right side of FIG. 8-6, The display location of the normal electronic money balance and the display location of the restricted electronic money balance are switched, and the normal electronic money balance is displayed above and the restricted electronic money balance is displayed below it. As a result, the used balance priority is switched, and the normal electronic money balance is preferentially used.

Note that unlike this example, a check box or the like may be used so that the user can select the electronic money balance to be used preferentially.

8-5, the control unit 21 of the terminal 20A displays the wallet code information (A130), and the user input to the input/output unit 23 as an example and not a limitation. Based on this, the limited electronic money use selection information including the setting regarding the priority of the used balance between the limited electronic money balance and the normal electronic money balance is transmitted to the server 10 via the communication I/F 22 (A510). The restricted electronic money usage selection information may include information on the usage ratio of each balance.
When receiving the restricted electronic money usage selection information from the terminal 20A through the communication I/F 14, the control unit 11 of the server 10 calculates the usage balance based on the usage balance priority (usage ratio) of the restricted electronic money usage selection information. Processing is executed (S500), and payment processing with a continuous limit is executed (S510). When the control unit 11 of the server 10 does not receive the restricted electronic money use selection information from the terminal 20A, as an example and not as a limitation, the control unit 11 of the server 10 can Then, the used balance calculation process may be executed and the payment process with continuous limit may be executed, or not.

In addition, if the payment process with continuous limit fails, the control unit 11 of the server 10 will confirm whether or not to re-execute the payment with different first payment amount and second payment amount. You may make it transmit confirmation information to the terminal 20A by communication I/F14. Upon receiving the restricted electronic money use confirmation information from the server 10, the control unit 21 of the terminal 20A sets different first payment amounts and second payment amounts based on the user's input to the input/output unit 23, etc., and performs settlement. If re-execution is selected, the restricted electronic money use selection information may be sent to the server 10 again. After that, the control unit 11 of the server 10 may re-execute the used balance calculation process and the continuous limited payment process based on the resent limited electronic money use selection information.

Also, the used balance priority is not limited to being selected each time payment is made. As an example and not a limitation, prior to payment, the control unit 21 of the terminal 20A determines the difference between the restricted electronic money balance and the normal electronic money balance based on the user's input to the input/output unit 23, etc. Accepts default settings for usage balance priority. Then, as a non-limiting example of payment after accepting the prescribed settings, when the control unit 21 of the terminal 20A displays the wallet code information (A130), the control unit 21 of the terminal 20A converts the established prescribed settings into a restricted electronic It may be transmitted to the server 10 as money use selection information.

This modification shows a configuration in which the set condition is a condition set by the user of the terminal 20 who makes the payment.
As an example of the effect of the modification obtained by such a configuration, the first electronic money and the second electronic money to be used for payment are selected based on conditions reflecting the intention of the user of the information processing device. can do.

In addition, in this modified example, the conditions set by the user of the terminal 20 who makes the payment include conditions related to the use of a limited electronic money balance (not a limitation, but an example of electronic money with limitations set). is shown.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to realize payment in accordance with the intention of the user of the information processing apparatus, since the limited electronic money is used for payment.

Further, in this modification, the condition set by the user of the terminal 20 who makes the payment is a condition related to using in the order set by the user of the terminal 20 who makes the payment (an example of an information processing device, not a limitation). shows a configuration including
As an example of the effect of the embodiment obtained by such a configuration, since electronic money is used for settlement in the order set by the user of the information processing device, settlement in accordance with the intention of the user of the information processing device is realized. be able to.

In addition, in this modification, the condition regarding the use in the order set by the user of the terminal 20 making the payment is that the balance of electronic money with restrictions (not a limitation, but an example of electronic money with restrictions set) is used in order. It shows a configuration that includes a condition for doing.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to preferentially use restricted electronic money for settlement.

<Eighth modification (3)>
In the above embodiment, the server 10 transmits payment result information including the limited electronic money balance used and the normal electronic money balance to the terminal 20A after execution of the continuous limited payment processing. Not limited.
As an example and not as a limitation, in the payment process with continuous limit, when the first payment amount and the second payment amount are determined, the control unit 11 of the server 10 transmits the first payment amount and the second payment amount to the terminal 20A. You may make it

FIG. 8-7 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
In the code payment screen on the left side of FIG. 8-7, when the wallet code information displayed in the wallet code information display area WCR1 is read by the code reader of the store, the display in the center of FIG. 8-7 is made.

In this example, the restricted electronic money use confirmation information transmitted from the server 10 is displayed so as to be superimposed on a part of the wallet code information display area WCR1.
In this example, limited electronic money usage confirmation information including the first payment amount in addition to the payee and payment amount is sent to the terminal 20A as an example and not as a limitation. As a result, as a non-limiting example, the payment destination ("XX bookstore" in this example), the payment amount ("1,200 yen" in this example), and the first payment amount (restricted electronic money in this example) "1,000 yen") is displayed.

In this example, the restricted electronic money usage confirmation information includes a "pay" button BT81 for agreeing to use the first payment amount, and a "stop" button BT82 for rejecting the use of the first payment amount. and are included.

As an example, not as a limitation, when the "pay" button BT81 is tapped, the server 10 executes payment processing with a continuous limit, and the payment result information on the right side of FIG. 8-7 is displayed. Specifically, the restricted electronic money is preferentially used, and the first payment amount from the restricted electronic money ("1,000 yen" in this example) is the second payment amount from the normal electronic money (in this example, “200 yen”) has been settled.

In this example, only the first payment amount of the payment amount is displayed on the screen in the center of FIG. 8-7, but the present invention is not limited to this.
Specifically, as an example and not as a limitation, both the first payment amount and the second payment amount may be displayed. In this case, the server 10 can transmit restricted electronic money usage confirmation information including the first payment amount and the second payment amount to the terminal 20A.

FIG. 8-8 is a flowchart showing an example of the flow of processing executed by each device in this modified example.
Upon receiving payment request information from the store POS system 40 via the communication I/F 14, the control unit 11 of the server 10 calculates the first payment amount and the second payment amount (S500). Then, the control unit 11 of the server 10 transmits the restricted electronic money use confirmation information including at least the calculated first payment amount to the terminal 20A via the communication I/F 14 .

When the communication I/F 22 receives the restricted electronic money use confirmation information from the server 10, the control unit 21 of the terminal 20A causes the display unit 24 to display a confirmation screen asking whether or not to agree to use the first payment amount. (A520). As an example and not a limitation, based on the input (user operation) to the input/output unit 23 of the terminal 20A, when consenting to spend the first payment amount from the restricted electronic money balance is selected (A520: YES ), the control unit 21 of the terminal 20A transmits the restricted electronic money license information to the server 10 via the communication I/F 22 (A530).

When the limited electronic money license information is received from the terminal 20A through the communication I/F 14 (S530: YES), the control unit 11 of the server 10 executes the continuous limited payment process (S510). If the limited electronic money license information is not received (S530: NO), the control unit 11 of the server 10 skips the continuous limited payment process.

When agreeing to spend the first payment amount from the restricted electronic money balance is not selected (A520: NO), the control unit 21 of the terminal 20A skips step A530.

Note that if it is not selected to agree to spend the first payment amount from the restricted electronic money balance (A520: NO), the control unit 21 of the terminal 20A, as an example and not as a limitation, instructs the user to the input/output unit 23. When the first payment amount and the second payment amount are accepted based on the input or the like, the first payment amount and the second payment amount are transmitted to the server 10 via the communication I/F 22 . When the control unit 11 of the server 10 receives the first payment amount and the second payment amount from the terminal 20A, the control unit 11 executes payment processing with a continuous limit based on the received first payment amount and second payment amount. can be

<Eighth modification (4)>
This modified example is a modified example relating to the content of the notification to the notification destination account.
FIG. 8-9 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 8-9 shows a state in which settlement result information is displayed on the display section 24 of the terminal 20A. In this example, the first payment amount from the restricted electronic money balance is "700 yen", the second payment amount from the normal electronic money balance is "500 yen", and the total payment amount is "1,200 yen". is shown to have been performed.

The right side of FIG. 8-9 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20B in this case.
In this example, restricted electronic money usage information RU81 is displayed below restricted electronic money remittance result information RR81. In this electronic money usage information, user B. B is user A.B. Information including the amount of the restricted electronic money balance remitted to A used for payment (that is, the first payment amount) is displayed.
Specifically, information including the amount used from the restricted electronic money balance ("700 yen" in this example), the payment destination ("XX bookstore" in this example), and a detailed confirmation button are displayed. there is

Alternatively, the payment amount (a sum of the first payment amount and the second payment amount) may be displayed in the electronic money usage information.

<Ninth embodiment>
In the above-described embodiment, in the continuous limited payment process, the normal electronic money balance and the limited electronic money balance were used for payment.
The ninth embodiment is an embodiment in which settlement is made using any two or more of the two or more restricted electronic money balances.

The content described in the ninth embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

FIG. 9-1 is a diagram showing an example of an account management database 155H, which is an example of the account management database 155 in this embodiment.
Each account management data included in the account management database 155H includes, in addition to the application ID and the normal electronic money balance, as a non-limiting example, limited electronic money management data and limited electronic money usage history data. , and electronic money use limit management data are stored.
The information stored in each account management data included in the account management database 155H is the same as in the account management database 155F, but the information stored in the electronic money use limit management data is partially different.

Specifically, in the electronic money usage restriction management data, for example and not limitation, remittance management IDs and usable store types are stored in association with each other.

The type of store that can be used is an item for storing the type of business/type of business in which the use of this restricted electronic money balance is possible.
In Fig. 9-1, as an example, not a limitation, the restricted electronic money balance managed by the remittance management ID "T02108" is classified into the industries of "convenience store", "supermarket/home center", and "books/stationery". It is stored that it can be used at a store/service. Also, it is stored that the restricted electronic money balance managed by the remittance management ID "T02571" can be used at stores/services classified into the "books/stationery" and "furniture/appliances" industries.

<Display screen>
9-2 and 9-3 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of FIG. 9-2 is the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, and "6,500 yen" is displayed as the electronic money balance in the balance area. Further, the breakdown shows that the normal electronic money balance is "2,500 yen" and the restricted electronic money balance is "4,000 yen".

Also, on the left side of the restricted electronic money balance, a button for displaying its details is displayed, and when this button is tapped, the display shown in the center of FIG. 9-2 is displayed.
Specifically, the breakdown of the restricted electronic money balance is displayed below the display portion of the restricted electronic money balance. In this example, the breakdown of the restricted electronic money balance "4,000 yen" is that the user of the notification destination account is user B. "1,000 yen" for C.B and the user of the notification destination account as user C.B. It is shown that it is "3,000 yen" for C.

As shown in the center screen of FIG. 9-2, the user of the notification destination account is user C. When the restriction mark RMK displayed in association with the balance of "3,000 yen" as C is tapped, information about the restriction is displayed in a balloon as an example, not as a limitation. In this example, the type of store that allows the use of this restricted electronic money is displayed as an icon. Specifically, an icon of "books/stationery" and an icon of "furniture/appliances" are displayed in a balloon. It is shown that the use of restricted electronic money C is possible.

On the other hand, as shown in the screen on the right side of FIG. 9-2, the user of the notification destination account is user B. When the restriction mark RMK displayed in association with the balance of "1,000 yen" B is tapped, information about the restriction is displayed in a balloon as an example and not as a limitation. In this example, the type of store that allows the use of this restricted electronic money is displayed as an icon. Specifically, a "convenience store" icon, a "supermarket/home center" icon, and a "books/stationery" icon are displayed in balloons. User B. It is indicated that the use of restricted electronic money B is possible.

The left side of FIG. 9-3 corresponds to the screen on the left side of FIG. 9-2, and shows a state where the “code payment” icon IC2 is tapped. Then, by way of example and not limitation, the code payment screen in the middle of FIG. 9-3 is displayed.
In this code payment screen, the balance displayed in the wallet code information display area WCR1 is the same as the display displayed in the balance display area BR2 of the screen on the left side of FIG. 9-2. By having the wallet code information read by the code reader of the store, the server 10 executes the payment processing with continuous limitation, and the payment result information on the right side of FIG. 9-3 is displayed.

Specifically, the notification destination account is user B. "1,000 yen" is used for payment from the restricted electronic money account of C.B, and the notification destination account is user C.B. It is shown that "200 yen" was used for payment from restricted electronic money, which is C's account.

Note that in this example, the notification destination account is user B. Restricted electronic money, which is C.B's account, and notification destination account, which is user C.B. Both C's account, restricted electronic money, is used for payment. Therefore, the server 10 transmits the restricted electronic money usage information to the terminals 20B and 20C, respectively.

<Processing>
Regarding the processing, as an example and not a limitation, in the used balance calculation processing (S500) in FIGS. A third payment amount to be paid from the electronic money balance and a fourth payment amount to be paid from the second restricted electronic money balance are calculated.
By way of example and not limitation, in FIG. 9-1, the balance of remittance management ID "T02108" is applied to the first restricted electronic money balance, and the balance of remittance management ID "T02571" is applied to the second restricted electronic money balance. be able to.

Here, the third payment amount and the fourth payment amount are arbitrary amounts satisfying the condition of "third payment amount"+"fourth payment amount"="payment amount of payment request information". However, as an example and not as a limitation, based on the payment request information received by the server 10, the use limit of each restricted electronic money balance is determined, and if each restricted electronic money balance cannot be used, the payment amount is Set to "0". That is, if the first restricted electronic money balance is subject to usage restrictions and the balance is unusable, the "third payment amount" = "0", and the second restricted electronic money balance is subject to usage restrictions and cannot be used. If the balance is unavailable, then "fourth payment amount" = "0".

When the first restricted electronic money balance and the second restricted electronic money balance are available, the third payment amount and the fourth payment amount are determined, by way of example and not limitation, according to the following usage balance priority: be able to.
・Priority use of restricted electronic money balances with large balances.
・Preferentially use limited electronic money balances with low balances.
・Prioritize the use of restricted e-money balances that were received earlier.
・Usable restricted electronic money balances are used in order of severity.
• Any combination of the above.

As a non-limiting example, in the first restricted electronic money balance and the second restricted electronic money balance, the first restricted electronic money balance is more restrictive than the second restricted electronic money balance. , for example:
Number of recipients of use of first restricted electronic money balance > Number of recipients of second restricted electronic money balance (the number of recipients is large).
・The number of shops/service providers where the first restricted electronic money balance can be used<the number of shops/service providers where the second restricted electronic money balance can be used (the number of shops/service providers that can be used is small).
・Number of business types of shops where first restricted electronic money balance can be used<number of business types of shops where second restricted electronic money balance can be used (the number of business types that can be used is narrow).
・The number of products/services that can be used in the first restricted electronic money balance <the number of available products/services in the second restricted electronic money balance (there are few products/services that can be purchased).
・Expiration date of the first restricted electronic money balance < Expiration date of the second restricted electronic money balance (expiration date for disabling use is approaching).
- The usable position area of the first restricted electronic money balance<The usable position area of the second restricted electronic money balance (the usable map range is narrow).
・Usable time of the first restricted electronic money balance within a predetermined period of time (for example, one week, not limited)<Usable time of the second restricted electronic money balance within a predetermined period of time (usable time zone Less is).
・The number of days the first restricted electronic money balance can be used within a predetermined period (for example, one month) < the number of days the second restricted electronic money balance can be used within the predetermined period (usable date and time Less is).
• Any combination of the above.

When the third payment amount and the fourth payment amount are calculated, the control unit 11 of the server 10 performs payment processing with a continuous limit (S510). In the continuous limited payment process, the control unit 11 of the server 10 performs the limited payment process using the first limited electronic money balance for the third payment amount as an example, not as a limitation, for the fourth payment amount. Restricted payment processing using the second restricted electronic money balance is performed sequentially.

If both restricted payment transactions are successful, then the consecutive restricted transaction is successful.
If at least one of the restricted payment processes fails, the continuous restricted payment process becomes a payment failure (cannot be settled). If a consecutive restricted payment process fails, by way of example and not limitation, for those restricted payment processes that were successful, the process is reversed and the balance is returned.
Note that if the third payment amount=“0”, the restricted payment process using the first restricted electronic money balance may not be executed. Further, when the fourth payment amount=“0”, the restricted payment processing using the second restricted electronic money balance may not be executed. In these cases, the non-executed restricted payment transaction is treated as successful.

In addition to the first restricted electronic money balance and the second restricted electronic money balance, the normal electronic money balance may be used in the consecutive restricted payment processing. By way of example and not limitation, it is assumed that "third payment amount"+"fourth payment amount"<"payment amount of payment request information". If the restricted electronic money balance is used in preference to the normal electronic money balance as the used balance priority, the second payment amount to be paid from the normal electronic money balance in the used balance calculation process is "second payment amount ”=“payment amount of payment request information”−“third payment amount”−“fourth payment amount”. The normal electronic money balance may be used in preference to the restricted electronic money balance.

Also, in the present embodiment, for the sake of simplification of explanation, the case where two remittance management IDs are stored in the restricted electronic money management data has been explained, but the present invention is not limited to this. As a non-limiting example, even if the remittance management ID stored in the restricted electronic money management data is 3 or more, it can be handled by setting the usage balance priority of the restricted electronic money balance in the same manner as in the present embodiment. can.

<Effect of the ninth embodiment>
In this embodiment, a first restricted electronic money balance (not limited, but an example of first electronic money) and a second restricted electronic money balance (not limited, but an example of second electronic money) are A configuration selected based on preferential use of a small limited electronic money balance (not a limitation, but an example of a set condition) is shown.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to appropriately select the first electronic money and the second electronic money used for payment based on the set conditions. .

In addition, the present embodiment shows a configuration in which the set conditions include conditions related to the use of the first restricted electronic money balance (an example of electronic money with restrictions, not limitations).
As an example of the effect of the embodiment obtained by such a configuration, it is possible to preferentially use restricted electronic money for settlement.

In addition, this embodiment shows a configuration in which the condition regarding the use of restricted electronic money includes the use of severely restricted electronic money.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to preferentially use electronic money with strict restrictions for payment.

In addition, this embodiment shows a configuration including at least a small balance of electronic money or a narrow category of usable electronic money to be used from the electronic money with stricter restrictions.
As an example of the effect of the embodiment obtained by such a configuration, electronic money with a small balance or electronic money with a narrow usable category can be preferentially used for settlement.

<Ninth Modification (1)>
In the above embodiment, when the used balance calculation process is executed, the payment process with continuous limit is executed, but the present invention is not limited to this.
As an example and not a limitation, when the used balance calculation process is executed, the control unit 11 of the server 10 may transmit the third payment amount and the fourth payment amount to the terminal 20A.

FIG. 9-4 is a diagram showing another example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 9-4 is the code payment screen of the payment application displayed on the display unit 24 of the terminal 20A, and corresponds to the center screen of FIG. 9-3.
When the wallet code information is read by the store's code reader, the display shown in the center of FIG. 9-4 is displayed.

Specifically, the restricted electronic money use confirmation information transmitted from the server 10 is displayed so as to be superimposed on a part of the wallet code information display area WCR1.
In this example, as a non-limiting example, the payment destination ("YY camera" in this example), the payment amount ("3,800 yen" in this example), and information about restricted electronic money used for payment are displayed. It is

In this example, the restricted e-money has a notify account of user B. Restricted electronic money, which is C.B's account, and notification destination account, which is user C.B. There is a restricted electronic money that is C's account, but the payment destination is "YY camera" and the business type of the store is "furniture/home appliance". Therefore, restricted electronic money that is permitted to be used in the "furniture/home appliance" industry is selected as the restricted electronic money for payment. As a result, the notify account is user C. User A.C's account, restricted electronic money, is selected and used to make a payment. Information for confirmation is displayed on A.

As an example, not as a limitation, when the "pay" button BT81 is tapped, the server 10 executes payment processing with a continuous limit, and the payment result information on the right side of FIG. 9-4 is displayed. Specifically, the notification destination account is user C.I. It shows that "13,000 yen" was used for payment from restricted electronic money, which is C's account, and "800 yen", which is the shortfall, was used for payment from normal electronic money.

In this example, in the screen at the center of FIG. 9-4, in the restricted electronic money usage confirmation information, the notification destination account is user C. Although only the amount (in this example, "3,000 yen") used for payment from the restricted electronic money account of C is displayed, the present invention is not limited to this.
In addition, in the above example, the amount "800 yen" that is usually used for payment from electronic money may also be displayed.
Further, in the above example, the restricted e-money not used for payment, i.e. the notify account, is user B. The payment amount "0 yen" of the restricted electronic money, which is B's account, may also be displayed.

As for the process, by way of example and not limitation, in FIG. /F14 to the terminal 20A. Then, as an example and not as a limitation, consent to spend the third payment amount and/or the fourth payment amount from the restricted electronic money balance based on the input (user operation) to the input/output unit 23 of the terminal 20A. is selected, the control unit 21 of the terminal 20</b>A transmits the restricted electronic money license information to the server 10 via the communication I/F 22 .
The restricted electronic money use confirmation information may include the second payment amount, which is the used amount of the normal electronic money balance.

<Ninth Modification (2)>
In the above embodiment, each payment amount is automatically calculated in the used balance calculation process, but the present invention is not limited to this.
By way of example and not limitation, each payment amount may be calculated based on input by the user of terminal 20 making the payment.

By way of example and not by way of limitation, the processing in this modification is shown in FIG. The limited electronic money use selection information including the setting regarding the balance priority is transmitted to the server 10 via the communication I/F 22 . Then, the control unit 11 of the server 10 executes the used balance calculation process based on the order of use of the balance.
The restricted electronic money usage selection information may include information designating the restricted electronic money balance (normal electronic money balance) to be used for payment.

It should be noted that the priority order of the used balance in the restricted electronic money use selection information is not limited to the following examples.
・Specify the balance usage order for each remittance management ID (as an example, but not limited, based on the user's operation on the balance display column, the balance of remittance management ID "T02571"> balance of remittance management ID Specify the balance usage order of "Balance".)
・Specify that the balance will be used in ascending (highest) order.
・Specify to use the restricted e-money balance in order of receipt order.
Directly specify each payment amount (as an example, not limitation, if the payment amount in the payment request information is "1500 yen", specify the third payment amount = "1000 yen" and the fourth payment amount = "500 yen". )
・It is specified that it will be used according to the ratio of each balance.

This modified example shows a configuration in which the set condition includes a condition regarding use in the order set by the user of the terminal 20 who makes the payment.
As an example of the effect of the embodiment obtained by such a configuration, since electronic money is used for settlement in the order set by the user of the information processing device, settlement in accordance with the intention of the user of the information processing device is realized. be able to.

In addition, this modified example shows a configuration in which the condition regarding the use in the order set by the user of the terminal 20 making the payment includes the condition regarding the use of electronic money in order from the restricted electronic money.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to preferentially use restricted electronic money for payment, and to perform payment according to the intention of the user of the information processing device. can be realized.

<Ninth Modification (3)>
In the above embodiment, the server 10 executes the used balance calculation process, but the present invention is not limited to this. As an example and not a limitation, the terminal 20 may execute part or all of the used balance calculation process.

As an example and not a limitation, the used balance calculation process can be broadly divided into a used balance selection process and a payment amount calculation process.
The used balance calculation process is a process of selecting the balance to be used for payment from one or more restricted electronic money balances and the normal electronic money balance. Further, the payment amount calculation process is a process of setting the priority order of the used balance for the selected balance and calculating the amount to be paid from each balance.

FIG. 9-5 is a diagram showing an example of a processing method in the used balance selection process.

In the selection pattern “each time balance selection”, the control unit 21 of the terminal 20, as an example and not a limitation, selects the check box corresponding to each balance displayed on the display unit 24 each time the user makes a payment. Select the balance to be used for payment.

In the selection pattern "selection of prescribed balance (1)", the control unit 21 of the terminal 20, as an example and not a limitation, selects the check box corresponding to each balance displayed on the display unit 24 before making a payment. Then, the user sets the balance selection regulation setting (hereinafter referred to as "balance selection regulation setting") used for payment. Then, when making a payment, the control unit 21 of the terminal 20 selects the balance to be used for payment by the user based on the balance selection rule setting.

In the selection pattern “specified balance selection (2)”, the control unit 21 of the terminal 20 sets the balance selection specification setting as in the specification balance selection (1), and then transmits the balance selection specification setting to the server 10 via the communication I/F 22. Send. Then, when making a payment, the control unit 11 of the server 10 selects the balance to be used for payment by the user based on the received balance selection regulation setting.

The selection pattern "select all" is the pattern in which the system chooses to use all balances. In this case, the used balance selection process may not be executed.

FIG. 9-6 is a diagram showing an example of a processing method in the used balance priority order setting process.

In the processing pattern "fully automatic processing (1)", the control unit 11 of the server 10 sets the used balance priority according to the defined system settings, and calculates the amount to be paid from each balance.
In the processing pattern "fully automatic processing (2)", the control unit 21 of the terminal 20 sets the used balance priority according to the defined system settings, and calculates the amount to be paid from each balance.
Fully automatic processing is processing that does not involve the intention of the user of the terminal 20 that makes the payment.

In the processing pattern "suggestion process (1)", the control unit 11 of the server 10 sets the used balance priority according to the specified system settings, and calculates the amount to be paid from each balance. Then, when the user of the terminal 20 approves each of the calculated payment amounts, payment processing with a continuous limit is executed.
In the processing pattern “suggestion processing (2)”, the control unit 21 of the terminal 20 sets the used balance priority according to the defined system settings, and calculates the amount to be paid from each balance. Then, when the user of the terminal 20 approves each of the calculated payment amounts, payment processing with a continuous limit is executed.
The suggestion process is a process in which the user of the terminal 20 approves each payment amount determined by the system.

In the processing pattern “prescribed setting process (1)”, as an example and not a limitation, prior to payment, a prescribed used balance priority is set based on the user's operation on the terminal 20 . Then, the control unit 11 of the server 10 calculates the amount to be paid from each balance based on the prescribed order of priority of the used balance.
In the processing pattern “prescribed setting process (2)”, as an example and not a limitation, prior to payment, a prescribed used balance priority is set based on the user's operation on the terminal 20 . Then, the control unit 21 of the terminal 20 calculates the amount to be paid from each balance based on the specified order of priority of the used balance.
The specified setting process is a process in which each payment amount is calculated based on the specified used balance priority set by the user of the terminal 20 before payment.

In the processing pattern “regulation confirmation processing (1)”, the user of the terminal 20 approves each payment amount calculated in the “regulation setting processing (1)” before executing the payment processing with continuous limit.
In the processing pattern “regulation confirmation processing (2)”, the user of the terminal 20 approves each payment amount calculated in the “regulation setting processing (2)” before executing the payment processing with continuous limit.

In the processing pattern “every time setting process (1)”, the used balance priority is set based on the user's operation on the terminal 20 each time the payment is made. Then, the control unit 11 of the server 10 calculates the amount to be paid from each balance based on the set used balance priority order.
In the processing pattern “every time setting process (2)”, the used balance priority is set based on the user's operation on the terminal 20 each time the payment is made. Then, the control unit 21 of the terminal 20 calculates the amount to be paid from each balance based on the set used balance priority order.
The each time setting process is a process in which the user of the terminal 20 sets the used balance priority and calculates each payment amount each time a payment is made.

This modification shows a configuration in which the set condition is a condition set by the user of the terminal 20 who makes the payment.
As an example of the effect of the modification obtained by such a configuration, the first electronic money and the second electronic money to be used for payment are selected based on conditions reflecting the intention of the user of the information processing device. can do.

In addition, in this modified example, the conditions set by the user of the terminal 20 who makes the payment include conditions related to the use of a limited electronic money balance (not a limitation, but an example of electronic money with limitations set). is shown.
As an example of the effect of the modified example obtained by such a configuration, it is possible to realize payment in accordance with the intention of the user of the information processing apparatus, since the limited electronic money is used for payment.

In addition, this modification shows a configuration in which the condition regarding the use of restricted electronic money includes the use of severely restricted electronic money.
As an example of the effect of the modification obtained by such a configuration, it is possible to preferentially use electronic money with strict restrictions for payment.

In addition, this modified example shows a configuration including at least a small balance of electronic money or a narrow category of usable electronic money to be used from the electronic money with stricter restrictions.
As an example of the effect of the modification obtained by such a configuration, electronic money with a small balance or electronic money with a narrow usable category can be preferentially used for settlement.

Further, in this modification, the condition set by the user of the terminal 20 who makes the payment is a condition related to using in the order set by the user of the terminal 20 who makes the payment (an example of an information processing device, not a limitation). shows a configuration including
As an example of the effect of the embodiment obtained by such a configuration, since electronic money is used for settlement in the order set by the user of the information processing device, settlement in accordance with the intention of the user of the information processing device is realized. be able to.

In addition, in this modification, the condition regarding the use in the order set by the user of the terminal 20 making the payment is that the balance of electronic money with restrictions (not a limitation, but an example of electronic money with restrictions set) is used in order. It shows a configuration that includes a condition for doing.
As an example of the effect of the modification obtained by such a configuration, it is possible to preferentially use restricted electronic money for settlement.

<Ninth Modification (4)>
In the above embodiment, when a plurality of limited electronic money balances with notifications (electronic money balances with notifications) are used, notification is made to all the notification destination accounts, but this is not the only option. By way of example and not limitation, the notify account is user B. A restricted electronic money balance of C.B and a notification destination account of user C.B. When the restricted electronic money balance, which is C, is used, the control unit 11 of the server 10 controls the user B.C. B's terminal 20B or user C.B. The notification may be sent to only one of C's terminals 20C.

Note that priority may be set for the notification destination account, and the control unit 11 of the server 10 may transmit the notification only to the terminal 20 of the notification destination account with the highest priority. The control unit 11 of the server 10 may transmit the notification to the terminals 20 of the notification destination accounts up to the "N"th highest priority ("N" is an arbitrary natural number).

In addition, if two or more restricted electronic money balances with notifications (electronic money balances with notifications) are used for payment and there are multiple notification destination accounts, the control unit 11 of the server 10 does not send notifications. good.

<Ninth Modification (5)>
If a refund occurs, such as when returning goods or services, the amount to be refunded will be the same as the amount used for payment for multiple restricted electronic money balances and/or normal electronic money balances used for payment. may be added to each balance based on the amount.

In this case, when at least part of the restricted electronic money (usually electronic money) used by the user of the remittee account is to be refunded, the control unit 11 of the server 10 uses the payment ID sent from the store POS system 40 as the payment. Identify from history management data 157 . This is to confirm whether the payment has been made and to specify the payment amount (refund amount).

Next, the control unit 11 of the server 10 refers to the restricted electronic money usage history data included in the account management data of the user of the remittance destination account in the account management database 155H, and performs remittance management corresponding to the specified settlement ID. Identify the ID. When a plurality of restricted electronic money are used for settlement, this remittance management ID will include a plurality of IDs.

If there is a remittance management ID corresponding to the identified payment ID, it means that at least part of the restricted electronic money has been used for the payment. Therefore, from the restricted electronic money usage history data, the usage amount corresponding to the specified settlement ID is specified, and the usage amount is transferred to the restricted electronic money balance of the corresponding remittance management ID in the restricted electronic money management data. add to If there are multiple remittance management IDs corresponding to the specified settlement ID, the above process is repeated for each remittance management ID.

Then, the control unit 11 of the server 10 calculates the sum of the amount used for each remittance management ID corresponding to the specified settlement ID. This sum is called a "restricted electronic money settlement amount".
The control unit 11 of the server 10 determines whether or not the limited electronic money settlement amount is equal to the settlement amount corresponding to the settlement ID. If the restricted e-money settlement amount is equal to the settlement amount, no e-money is normally used for the settlement. Therefore, the control unit 11 of the server 10 terminates the process.
If the restricted electronic money settlement amount is not equal to the settlement amount, electronic money is also usually used for settlement. Therefore, the control unit 11 of the server 10 adds an amount calculated by "settlement amount" - "limited electronic money settlement amount" to the normal electronic money balance.

On the other hand, if there is no remittance management ID corresponding to the identified payment ID, it means that the restricted electronic money was not used for the payment. Therefore, the refund amount is usually added to the electronic money balance. When a payment is made using only normal electronic money, the payment amount corresponding to the specified payment ID in the payment history management data 157 is the amount refunded to the normal electronic money balance.

<Tenth embodiment>
The tenth embodiment is an embodiment in which the user of the terminal 20 can check the total balance that can be used for the payment, taking into consideration the limit of the limited electronic money balance, before payment by continuous limited payment processing.

The content described in the tenth embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Display screen>
FIG. 10-1 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this embodiment. Here, the restricted electronic money balance is the same as in FIG. 9-2.
The left side of FIG. 10-1 shows the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, and is an example of the screen displayed when the terminal 20A is located at the store "XX bookstore".
Based on the method described later, the server 10 transmits the store introduction information about the store "XX bookstore" to the terminal 20A, and as a result, the store including the characters "Welcome to the XX bookstore Spring reference book fair is being held!" Introductory information is displayed.
Also, in the balance display area, user A. A usable combined balance, which is the sum of the restricted electronic money balance that A can use and the normal electronic money balance, is displayed.

Here, the breakdown of the electronic money balance and the contents of restrictions in this example are the same as those shown in FIG. 9-2 of the ninth embodiment.
Specifically, the normal electronic money balance is "2,500 yen" and the restricted electronic money balance is "4,000 yen".
In addition, of the restricted electronic money balance, the notification destination account is the user C. The balance of restricted electronic money for C's account is "3,000 yen", and "books/stationery" and "furniture/appliances" are set as the types of stores that can be used.
In addition, of the restricted electronic money balance, the notification destination account is the user B. The balance of restricted electronic money for B's account is "1,000 yen", and "convenience store", "supermarket/home center", and "book/stationery" are set as the types of stores that can be used.

The screen example on the left side of FIG. 10-1 is for the case where the terminal 20A is located in the store "XX bookstore", but both of the above two types of restricted electronic money are used in the "bookstore/stationery" business type. The full amount is available because it is allowed.
Therefore, in the balance display area, "2,500 yen + 4,000 yen = 6,500 yen", which is the sum of the normal electronic money balance and the total amount of the restricted electronic money balance, is displayed as the usable total balance. there is

On the other hand, the screen in the center of FIG. 10-1 is a diagram showing an example of the main menu screen when the terminal 20A is located at the store "MM Supermarket".
Of the above two types of restricted electronic money, the restricted electronic money that can be used at stores in the “supermarket/home center” business category is the notification destination account of user B. It is only limited electronic money for B's account.
Therefore, in the balance display area, the normal electronic money balance and the notification destination account are displayed for user B. "2,500 yen + 1,000 yen = 3,500 yen", which is the sum of the balance of the restricted electronic money used as B's account, is displayed as the available total balance.

On the other hand, the screen on the right side of FIG. 10-1 is a diagram showing an example of the main menu screen when the terminal 20A is located at the store "YY Camera".
Of the above two types of restricted electronic money, the restricted electronic money that can be used at stores in the "furniture/home appliance" business category is the notification destination account of user C.I. It is only limited electronic money for C's account.
Therefore, in the balance display area, the normal electronic money balance and the notification destination account are displayed for user C. "2,500 yen + 3,000 yen = 5,500 yen", which is the sum of the balance of the restricted electronic money used as C's account, is displayed as the usable total balance.

<Processing>
Regarding the processing, as an example and not a limitation, in FIG. It transmits to the server 10 by communication I/F22. Here, the available total balance request information includes, for example and not limitation, a beacon signal received from a beacon device (not shown) installed in a store, and position calculation information acquired by the position calculation information detection unit 29B. By way of example and not limitation, location information of the terminal 20A indicated by latitude, longitude, and altitude may be included.

Upon receiving the available total balance request information from the terminal 20A through the communication I/F 14, the control unit 11 of the server 10 executes the available total balance calculation process.
In the usable total balance calculation process, first, as an example and not limitation, the control unit 11 of the server 10 determines the shop where the terminal 20A is located based on the received usable total balance request information. Then, the control unit 11 of the server 10 refers to the electronic money usage restriction management data in the account management database 155H, and determines whether or not each restricted electronic money balance stored in the restricted electronic money management data can be used. . Then, the usable total balance information including the usable total balance, which is the sum of the usable limited electronic money balance and the normal electronic money balance, is transmitted to the terminal 20A via the communication I/F 14 .
It should be noted that the usable combined balance information may include the individual limited electronic money balance determined to be usable.

When the available total balance information is received from the server 10 via the communication I/F 22, the control unit 21 of the terminal 20A causes the display unit 24 to display the received available total balance information.

In addition, when the date, time zone, and expiration date when the limited electronic money balance can be used are set as the electronic money usage restriction management data, in the total available balance calculation process, the control unit 11 of the server 10 uses the clock The current date and time may be acquired by the unit 19 and it may be determined whether or not each restricted electronic money balance is usable.

In addition, when a product for which a limited electronic money balance can be used is set as the electronic money usage restriction management data, the control unit 21 of the terminal 20A controls the brand logo of the store or service imaged by the imaging unit 27 and the product image. An image may be included in the available combined balance request information. In this case, the control unit 11 of the server 10 identifies the product/service to be purchased based on the product image or the like included in the available total balance request information, and determines whether or not each restricted electronic money balance can be used. You may make it judge.

Note that the usable total balance calculation process is not limited to being executed by the server 10 . As an example and not a limitation, when the control unit 21 of the terminal 20A acquires its own terminal account management data in the account management database 155H from the server 10, it executes available total balance calculation processing based on the location information of the terminal 20A and the current date and time. and the usable total balance may be calculated.

<Effects of the tenth embodiment>
In this embodiment, the terminal 20A includes a first restricted electronic money balance (not limiting, but an example of a first electronic money) and a second restricted electronic money balance (not limiting, but an example of a second electronic money). Among the plurality of electronic money that can be used by the user of (not a limitation, but an example of an information processing device), the usable total balance (limited , an example of the total amount of electronic money) on the information processing apparatus is executed by the information processing apparatus.
As an example of the effect of the embodiment obtained by such a configuration, among a plurality of electronic currencies that can be used by the user of the information processing apparatus, including the first electronic currency and the second electronic currency, the electronic currency can be used for the first payment. It is possible to inform the user of the information processing device of the total amount of the electronic money, thereby improving the convenience.

<Tenth Modification (1)>
In the above embodiment, the total available balance is calculated according to the state of the terminal 20A (location, date and time, etc.), but the present invention is not limited to this.
As a non-limiting example, the usable total balance may be calculated for each type of store that can be used, and displayed as a list on the display unit 24 of the terminal 20A.

FIG. 10B is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 10-2 is the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, and corresponds to the left side of the screen in FIG. 10-1.
When the character “balance” or the display portion of the balance value (“6,500 yen” in this example) in the balance display area is tapped, the display shown on the right side of FIG. be.

In this example, under the balance value of the balance display area BR2, a usable balance display area UR2 containing usable combined balances for each store type is displayed by a balloon. In this example, in the available balance display area UR2, the restriction mark RMK and the characters "Available balance by store" are displayed. is displayed.
Specifically, for the industries "convenience stores" and "supermarkets/home centers," the total usable balance is "3,500 yen," and for the industry "books and stationery," the total usable balance is "6,500 yen." , "5,500 yen" is displayed as the available total balance for the industry "furniture/home appliance".

It should be noted that the target for calculating the available total balance as a list is not limited to each store type. By way of example and not limitation, if a date on which the restricted electronic money balance is available is specified, the total available balance may be displayed corresponding to the date on the calendar. In addition, when the time zone in which the limited electronic money balance can be used is designated, as an example, not limitation, the usable total balance in each time zone may be displayed inside an analog clock-like display. When goods/services that can be used with a restricted electronic money balance are specified, for each product/service, the sum of usable items such as "game: 500 yen", "book: 3000 yen", etc. is not limited. The balance may be displayed. When stores where the limited electronic money balance can be used are designated, as an example and not as a limitation, the usable total balance in each area may be displayed within the area on the map.

This modification is used for each store type (not a limitation, but an example of a payment category) among a plurality of electronic currencies that can be used by the user of the information processing device, including the first electronic currency and the second electronic currency. It shows a configuration in which the information processing device executes control by the control unit to display the possible combined balance (not a limitation, but an example of the amount of money that can be used) on the information processing device.
As an example of the effects of the embodiment obtained by such a configuration, among a plurality of electronic moneys available to the user of the information processing apparatus, including the first electronic money and the second electronic money, the electronic money can be used for each payment category. It is possible to inform the user of the information processing device of the possible amount of money, thereby improving the convenience.

<Eleventh embodiment>
In the eleventh embodiment, the balance of the restricted electronic money transferred from the user of the source account to the user of the destination account is remitted (refunded, returned, You may regard it as return.) It is an Example which makes it possible to do.

The content described in the eleventh embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Display screen>
11-1 and 11-2 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this embodiment. Here, the restricted electronic money balance is the same as in FIG. 9-2.
The left side of FIG. 11-1 shows the code payment screen of the payment application displayed on the display unit 24 of the terminal 20A. When payment is made based on the wallet code information displayed in the wallet code information display area WCR1, -1 Settlement result information like the one on the right is displayed. In this example, the payment amount is "3,800 yen", and the breakdown is "1,000 yen" from the restricted electronic money whose notification destination account is user B's account. . It is shown that "2,800 yen" was paid from restricted electronic money, which is C's account.

This ensures that the notify account is user C. Restricted electronic money, which is C's account, is reduced to "3,000 yen - 2,800 yen = 200 yen". Here, based on the fact that the remaining amount of limited electronic money of "200 yen" is equal to or less than a predetermined value, the remaining amount of "200 yen" is transferred to the remittance source account.
In this example, the source account is the same user C.I. as the destination account. Assume C's account. Thus, through the server 10, the user A. User C.A. "200 yen" is remitted to C's account.

The left side of FIG. 11-2 shows an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20A in this case.
Payment result information PR1 indicating that the payment has been made is displayed on the left side of the notification area, and below it is displayed for the purpose of refund. Restricted electronic money refund information RF1 indicating that "200 yen" of restricted electronic money has been sent to C is displayed.

The center of FIG. 11-2 shows an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20C in this case.
On the left side of the announcement area, user A. Restricted electronic money remittance result information RR91 indicating that restricted electronic money has been remitted to A. Restricted electronic money "200 yen" is remitted from A, and restricted electronic money refund information RF2 indicating that it has been received is displayed.

The right side of FIG. 11-2 shows an example of the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A in this case.
With the above payment and refund, user A. The restricted electronic money balance owned by A's account becomes "0", leaving only the normal electronic money balance. As a result, in the balance display area BR2, the characters "balance", the balance of "2,500 yen" (normal electronic money balance), and the charge button CBT are displayed.

<Processing>
FIG. 11C is a flow chart showing an example of the flow of processing executed by each device in this embodiment. FIG. 11-3 continues from FIG. 8-2 by way of example and not limitation.

As an example and not as a limitation, a payment process with a continuous limit is executed (S510), and payment result information is transmitted (S150). Then, the control unit 11 of the server 10 determines whether or not there is a restricted electronic money balance equal to or less than a predetermined value in the restricted electronic money balance after the continuous restricted payment process (S610).

Here, the predetermined value is, as an example and not a limitation, a balance determined by the user of the server 10 or the user of the terminal 20 (“200 yen” as an example and not a limitation). Note that the control unit 11 of the server 10 may determine whether or not there is a restricted electronic money balance that is less than a predetermined value. Further, it may be determined whether or not there is a restricted electronic money balance equal to or less than a predetermined value in the restricted electronic money balance after the restricted settlement process (S610). good too.

If there is a restricted electronic money balance equal to or less than the predetermined value (S610: YES), the control unit 11 of the server 10 executes restricted electronic money return processing (S620). In the restricted electronic money return process, the control unit 11 of the server 10 refers to the restricted electronic money management data in the account management database 155H and searches for a remittance management ID whose restricted electronic money balance is equal to or less than a predetermined value. Then, the remaining amount of the restricted electronic money balance is remitted (refunded/returned) as the normal electronic money balance to the remittance source ID linked with the remittance management ID. After that, the record of the remittance management ID that performed the remittance is deleted from the restricted electronic money management data.

When the restricted electronic money refund process is executed, the control unit 11 of the server 10 sends the restricted electronic money refund result information to the terminal 20A and the terminal 20B of the account of the sender ID that returned the restricted electronic money balance. is transmitted (S630).

If there is no restricted electronic money balance equal to or less than the predetermined value (S610: NO), the control unit 11 of the server 10 terminates the process.

When the restricted electronic money return result information is received from the server 10 via the communication I/F 22 (A610: YES), the control unit 21 of the terminal 20A displays the received restricted electronic money return result information (A620). If the limited electronic money return result information is not received from the server 10 (A610: NO), the control unit 21 of the terminal 20A terminates the process. The same applies to the terminal 20B.

<Effects of the Eleventh Embodiment>
In this embodiment, the balance of the restricted electronic money (an example of the first electronic money, not a limitation) by the user of the terminal 20A (not a limitation, an example of the information processing apparatus) is equal to or less than a predetermined value (not a limitation, As an example, the balance of the first electronic money is remitted to the user of the terminal 20B (not limited, but an example of the first information processing device) based on the conditions regarding use), and with a restriction indicating that the remittance has been made It shows a configuration in which the information processing device receives the electronic money return result information (one example of first information, not limitation) by the communication unit of the information processing device.
As an example of the effect of the embodiment obtained by such a configuration, the balance of the first electronic money is remitted to the user of the first information processing device based on the conditions regarding the use of the first electronic money by the user of the information processing device. can be made It should be noted that this may be understood as refunding, returning, or returning the balance of the first electronic money to the user of the first information processing device.

<Eleventh Modification (1)>
In the above embodiment, when the limited electronic money balance becomes equal to or less than a predetermined value after execution of continuous limited payment processing, the limited electronic money balance is remitted to the user with the remittance source ID, but the present invention is not limited to this. As an example and not a limitation, money may be transferred to any other user (account) specified by the user of the sender ID.

<Eleventh Modification (2)>
In the above embodiment, the restricted electronic money refund process is executed when the restricted electronic money balance is equal to or less than the predetermined value, but the present invention is not limited to this. By way of example and not limitation, authorization to perform the restricted electronic money refund process may be obtained at the terminal 20A that performed the payment.

FIG. 11-4 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modified example.
The left side of FIG. 11-4 shows an example of the code payment screen displayed on the display unit 24 of the terminal 20A.
When payment is made based on the wallet code information displayed in the wallet code information display area WCR1, payment result information such as the one shown in the center of FIG. 11-4 is displayed. After that, as shown on the right side of FIG. 11-4, as an example and not as a limitation, the restricted electronic money for confirming whether or not to return the remaining restricted electronic money is superimposed on part of the settlement result information. Return approval confirmation information RA1 is displayed.

This restricted electronic money return approval confirmation information RA1 includes, as an example, not limitation, the words "Would you like to return the restricted electronic money?" ), an illustration showing that the user of the destination account (“user C.C.” in this example) will be notified of the use of restricted electronic money by the return, and the user of the remitter account (“user C.C.” in this example). C”) and an illustration showing remittance.

Further, below it, a "Return" button BT91 for approving the return and a "Stop" button BT92 for rejecting the return are displayed. When the "Return" button BT91 is tapped, , the remaining amount of restricted electronic money is determined by user C. returned to C.

FIG. 11-5 is a flowchart showing an example of the flow of processing executed by each device in this modified example.

If there is a restricted electronic money balance equal to or less than the predetermined value (S610: YES), the control unit 11 of the server 10 transmits restricted electronic money return approval confirmation information to the terminal 20A via the communication I/F 14 (S640). . When the restricted electronic money return approval confirmation information is received from the server 10 via the communication I/F 22 (A630: YES), the control unit 21 of the terminal 20A causes the display unit 24 to display the restricted electronic money return approval confirmation information ( A640). As an example and not a limitation, when returning (remittance) of the restricted electronic money balance is selected (A640: YES) based on the input (user operation) to the input/output unit 23 of the terminal 20A, control of the terminal 20A The unit 21 transmits the restricted electronic money return approval information to the server 10 via the communication I/F 22 (A650).
If the limited electronic money return approval confirmation information is not received from the server 10 (A630: NO), the control unit 21 of the terminal 20A terminates the process.
If returning (remitting) the restricted electronic money balance is not selected (A640: NO), the control unit 21 of the terminal 20A terminates the process.

When the restricted electronic money return approval information is received from the terminal 20A through the communication I/F 14 (S650: YES), the control unit 11 of the server 10 executes the restricted electronic money return process (S620). When the limited electronic money return approval information is not received from the terminal 20A (S650: NO), the control unit 11 of the server 10 terminates the process.

Approval to execute the restricted electronic money return process may or may not be obtained at the terminal 20B of the remitter ID. Also, if approval is obtained from both the terminal 20A of the payer and the terminal 20B of the remitter ID, the restricted electronic money return process may or may not be executed.

In this modification, second information for remittance of the balance of the first electronic money to the user of the first information processing device is displayed on the display unit of the information processing device based on the conditions regarding the use of the first electronic money. is executed by the information processing device, and the balance of the first electronic money is transferred to the user of the first information processing device based on the input of the user of the information processing device to the second information. And the information processing device shows a configuration for receiving the first information.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to refund the balance of the first electronic money to the user of the first information processing device based on the conditions regarding the use of the first electronic money. can be notified to the user of the information processing apparatus by displaying the second information on the display unit. Further, the balance of the first electronic money can be remitted to the user of the first information processing device based on the user's input of the information processing device to the second information displayed on the display unit. As a result, as an example and not as a limitation, the fact that the remittance has been made can be notified to the user of the information processing device by displaying the first information on the display section of the information processing device.

<Eleventh Modification (3)>
In the above embodiment, as a condition for executing the restricted electronic money return process, the case where the restricted electronic money balance becomes equal to or less than a predetermined value after executing the continuous restricted payment process has been described, but the present invention is not limited to this. The conditions for executing the restricted electronic money return process include, but are not limited to, the following examples.
・When the restricted electronic money balance is less than or below a predetermined percentage of the balance at the time of remittance (for example, not limited to "5%").
As an example and not as a limitation, if a restricted electronic money balance of "10,000 yen" is received, the restricted electronic money balance will be "10,000 yen" x "5%" = after executing continuous restricted payment processing. If it becomes "500 yen" or less, a limited electronic money return process is executed.
・When the expiration date of the restricted electronic money balance is less than a predetermined time (not a limitation, but as an example, "24 hours").
As an example and not as a limitation, if the first use of the restricted electronic money balance sets the expiration date to "7 days later", which is "during July 23, 2021", then "midnight on July 23, 2021 When the time comes, the limited electronic money return process is executed.In this case, the due date may be determined after the continuous limited payment process is executed, or even if the continuous limited payment process is not executed. A due date may be determined.
- When the restricted electronic money balance has been used a predetermined number of times ("10" as an example, not as a limitation).
By way of example and not limitation, if a certain restricted electronic money balance has been used in 10 consecutive restricted payment transactions (limited payment transactions), a restricted electronic money refund transaction is executed.

In this modification, the condition regarding the use of the first electronic money includes the condition regarding the balance of the restricted electronic money or the ratio of the balance to the amount of the restricted electronic money transferred to the terminal 20 .
As an example of the effect of the embodiment obtained by such a configuration, based on the condition regarding the balance of the first electronic money or the ratio of the balance to the amount of the first electronic money remitted to the information processing device, the first electronic money can be appropriately remitted to the user of the first information processing device.

In addition, this modification shows a configuration in which the conditions regarding the use of the first electronic money include the conditions regarding the period during which the terminal 20 can make payments using the restricted electronic money.
As an example of the effect of the embodiment obtained by such a configuration, the balance of the first electronic money is set to the value of the first information processing device based on the conditions regarding the period during which the information processing device can make a payment using the first electronic money. The user can be properly remitted.

In addition, this modification shows a configuration in which the condition regarding the use of the first electronic money includes a condition regarding the number of times the limited electronic money has been used for payment.
As an example of the effect of the embodiment obtained by such a configuration, the balance of the first electronic money is appropriate for the user of the first information processing device based on the condition regarding the number of times the first electronic money has been used for payment. can be sent to

<Eleventh Modification (3)>
In the above embodiment, when the restricted electronic money refund process is executed, the balance is remitted to the account of the remitter ID, but the present invention is not limited to this. By way of example and not limitation, the payment may be transferred to the normal electronic money balance of the account of the terminal 20A that made the payment. In this case, if the balance of the limited electronic money balance becomes equal to or less than a predetermined value after execution of the continuous limited payment processing, the fractional balance is incorporated as the normal electronic money balance.

In addition, if the balance of the restricted electronic money balance becomes less than the predetermined value after executing the continuous payment processing with restrictions, the remaining restricted electronic money balance will You may make it remittance to a normal electronic money balance. Also, if the remitter's (account of remitter's ID) consent is obtained, the restricted electronic money balance may be remitted to the normal electronic money balance at an arbitrary timing.

<Twelfth embodiment>
In the above embodiment, the restricted electronic money balance was managed separately for each remittance.
The twelfth embodiment is an embodiment that merges two restricted electronic money balances to which the same usage restrictions are applied to manage and use them as one restricted electronic money balance.

The content described in the twelfth embodiment can be applied to each of the other embodiments and other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Data structure>
FIG. 12-1 is a diagram showing a data configuration example of an account management database 155J, which is an example of the account management database 155 in this embodiment.
Each account management data in this account management database 155J includes, by way of example and not limitation, application ID, normal electronic money balance, restricted electronic money management data, combined restricted electronic money management data, restricted Electronic money usage history data and electronic money usage restriction management data are stored.

The merged restricted electronic money management data manages information related to two or more restricted electronic money (hereinafter referred to as "merged restricted electronic money") merged in the restricted electronic money merging process described later. As a non-limiting example, a merger management ID, a pre-merger remittance management ID, and a merged restricted electronic money balance are stored in association with each other.

The merging management ID is an ID for uniquely identifying merged restricted electronic money. As an example and not a limitation, each time the server 10 executes the restricted electronic money merging process, a different ID is assigned to each server 10. set and stored.

The remittance management ID before merging is data for managing information about restricted electronic money to be merged. The remittance management ID of the subject restricted electronic money is added and stored.

The combined restricted electronic money balance is the balance of restricted electronic money associated with this combined management ID.

When the restricted electronic money merging process is executed, the restricted electronic money balance stored in the remittance management ID before merging cannot be used. In the account management database 155J, the restricted electronic money balance that can no longer be used is indicated with "( )" as an example, not as a limitation. In the account management database 155J, as a non-limiting example, in the restricted electronic money management data, the restricted electronic money with the remittance management ID "T02109" was merged with the restricted electronic money with the merged management ID. is written as "(1000 yen)". The amount in "( )" is, by way of example and not limitation, the restricted electronic money balance at the time the restricted electronic money merging process was performed. Therefore, it can be seen that the restricted electronic money with the remittance management ID "T02109" cannot be used (it has already been merged).

When combined restricted electronic money is used for payment, a record is added to the restricted electronic money usage history data with the combined management ID as the remittance management ID.

It should be noted that information related to the notification destination account such as the notification destination ID may be stored in the merged restricted electronic money management data in association with the merged management ID.

<Display screen>
For the first restricted electronic money and the second restricted electronic money described below, neither restriction regarding notification is set, but only restriction regarding stores where it can be used is set.

FIG. 12B is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of FIG. 12-2 shows the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A. , and the restriction mark RMK are displayed. Here, a state in which the restriction mark RMK has been tapped by the user is shown.

In this case, as an example and not as a limitation, a speech balloon displays usable store information including information on the type of store where the restricted electronic money can be used. In this example, "books/stationery" is displayed as the type of shop where restricted electronic money can be used. This restricted e-money balance is credited to User B. This is the balance based on the first restricted electronic money which is B's account, and corresponds to the first restricted electronic money remittance result information RR101 shown in the center screen of FIG. 12-2.

The center of FIG. 12-2 is a diagram showing an example of the notification screen displayed on the display unit 24 of the terminal 20A.
On the left side of the notification area, the above remittance source account is user B. First restricted electronic money remittance result information RR101 corresponding to the first restricted electronic money that is B's account is displayed.

Thereafter, by way of example and not limitation, user C.I. User A.C from A.C's account. Assume that "2,000 yen" is remitted to A's account as the second restricted electronic money. As a result, the second restricted electronic money remittance result information RR102 is displayed below the first restricted electronic money remittance result information RR101.

Both the first restricted electronic money and the second restricted electronic money are usable in the same type of store, which is "books/stationery." In this case, based on the fact that the types of stores that can be used are the same, as an example and not as a limitation, when the second restricted electronic money is deposited, the server 10 merges these two restricted electronic money. ) is done.

The right side of FIG. 12-2 shows an example of the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A in this case.
Based on the merging of the restricted electronic money, the balance display area BR2 displays "1,000 yen + 2,000 yen = 3,000 yen" as the balance of the merged restricted electronic money. Here, a state in which the restriction mark RMK has been tapped by the user is shown.

In this case, by way of example and not limitation, similar to the screen on the left side of FIG. 12-2, a speech balloon displays information on usable shops including information on the types of shops where the combined restricted electronic money can be used. In this example, "books/stationery" is displayed as the type of shop where combined limited electronic money can be used.

<Processing>
FIG. 12-3 is a flow chart showing an example of the flow of processing executed by each device in this embodiment, showing a portion corresponding to FIG. 7-5.

As an example and not limitation, the control unit 21 of the terminal 20B executes the first restricted electronic money remittance setting process (B710) in the same manner as B410 to B420 in FIG. The request information is transmitted to the server 10 (B720). The condition (restriction) set in the first restricted electronic money remittance setting process will be referred to as a "first restriction". As an example and not limitation, the control unit 11 of the server 10 executes the first restricted electronic money remittance process (S710) in the same manner as S410 to S420 in FIG. Send information (S720). Upon receiving the first restricted electronic money remittance result information, the control unit 21 of the terminal 20A and the control unit 21 of the terminal 20B display it on the display unit 24 (A710 and B730).

Next, the control unit 21 of the terminal 20B executes the second restricted electronic money remittance setting process (B715) in the same manner as B410 to B420 in FIG. Money remittance request information is sent to the server 10 (B725). The condition (restriction) set in the second restricted electronic money remittance setting process is called a "second restriction". The control unit 11 of the server 10 executes the second restricted electronic money remittance process (S715) in the same manner as S410 in FIG. 7-5, as an example and not a limitation.
Note that steps B715 to B725 may be executed in the terminal 20 other than the terminal 20B.

As a non-limiting example, the control unit 11 of the server 10 reads the account management data of the account management database 155J and refers to the restricted electronic money management data and the electronic money usage restriction management data, so that the same usage can be performed. It is determined whether or not there is restricted electronic money to which restrictions (in this example, the type of store that can be used and the ID of the recipient of the notification) are present (S730).

If it is determined that the restrictions are the same (S730: YES), the control unit 11 of the server 10 executes restricted electronic money merging processing (S740). In the restricted electronic money merging process, the control unit 11 of the server 10 merges two or more restricted electronic money ( As a non-limiting example, the balances of the first restricted electronic money and the second restricted electronic money) are totaled, and the merged restricted electronic money balance of the merged restricted electronic money management data is obtained with the generated merged management ID and Associate and store. Further, the control unit 11 of the server 10 adds the remittance management IDs of two or more restricted electronic money determined to have the same restriction to the remittance management IDs before merging. The control unit 11 of the server 10 disables two or more restricted electronic money balances determined to have the same restriction in the restricted electronic money management data ("Store with ()").

Then, the control unit 11 of the server 10 transmits restricted electronic money merging result information including at least the generated merging management ID and the merged restricted electronic money balance to the terminal 20A via the communication I/F 14 (S750). . The restricted electronic money merging result information may include the remittance management ID stored in the pre-merging remittance management ID.

If the restricted electronic money merging result information is received from the server 10 via the communication I/F 22 (A720: YES), the control unit 21 of the terminal 20A causes the display unit 24 to display the received restricted electronic money merging result information ( A730). If the restricted electronic money combination result information is not received from the server 10 (A720: NO), the control section 21 of the terminal 20A skips step A730.

Note that the control unit 11 of the server 10 may or may not transmit the restricted electronic money merger result information to the terminal 20B of the account of the remittance source ID of the restricted electronic money that has been merged. may When receiving restricted electronic money combination result information from the server 10, the control unit 21 of the terminal 20B causes the display unit 24 to display the received restricted electronic money combination result information.

If the restrictions are not determined to be the same (S730: NO), the control unit 11 of the server 10 skips steps S740 to S750.
Then, the control unit 11 of the server 10 transmits the second restricted electronic money remittance result information, for example and not limitation, in the same manner as S420 in FIG. 7-5 (S725). When the second restricted electronic money has been merged by the restricted electronic money merging process, the control unit 11 of the server 10 transmits the second restricted electronic money to the terminal 20A that transmitted the restricted electronic money merge result information. The money remittance result information may not be transmitted.

Upon receiving the second restricted electronic money remittance result information, the control unit 21 of the terminal 20A and the control unit 21 of the terminal 20B display it on the display unit 24 (A715 and B735).

After the electronic money balance to be used for payment is selected by the user, in step A120 or before or after the control unit 21 of the terminal 20A, the remittance management ID or the merged management ID corresponding to the selected restricted electronic money balance The ID can be sent to the server 10 .
Further, when the first restricted electronic money and the second restricted electronic money have been merged by the restricted electronic money merging process, the control unit 21 of the terminal 20A displays the merged restricted electronic money in the payment selection display. Money can be hidden from display. Note that when the first restricted electronic money and the second restricted electronic money have been merged, the control unit 11 of the server 10 stores the information of the first restricted electronic money and the second restricted electronic money as if they existed. It may not be transmitted to the terminal 20A as if it were not. By doing so, the terminal 20A and the server 10 can be prevented from using the restricted electronic money that is the source of the merger.

When a combined management ID is specified as electronic money used for payment, it is used in accordance with the usage restrictions associated with the specified combined management ID stored in the remittance management ID of the electronic money usage restriction management data in the limited payment process. is determined, and settlement processing is executed by consuming the merged restricted electronic money balance.

<Effects of the 12th embodiment>
The present embodiment is a program executed by the server 10 (not limited, but an example of a server that associates and stores the user of the terminal 20A (not limited, but an example of the first terminal) and electronic money), and the terminal 20B (not a limitation, but an example of a second terminal), a first restricted electronic money (not a limitation, a first electronic money example) and the user of the first terminal, and the second restriction set by the user of the terminal 20C (an example of the third terminal, not a limitation), the money transferred from the third terminal to the first terminal performing a process of associating a second restricted electronic money (not a limitation, but an example of a second electronic currency) with a user of a first terminal by a control unit of a server; and performing the first restriction and the second restriction Based on this, the control unit performs limited electronic money merging processing (not a limitation, but an example of processing for associating a third electronic money based on the first electronic money and the second electronic money with the user of the first terminal); shows the configuration performed by the server.
As an example of the effect of the embodiment obtained by such a configuration, based on the first restriction and the second restriction, the third electronic currency based on the first electronic currency and the second electronic currency is distributed to the user of the first terminal. can be associated with In other words, it is possible to merge electronic money with restrictions based on those restrictions.

In addition, in this embodiment, the first restriction includes at least one of a restriction on purchasable products, a restriction on purchasable stores, and a notification restriction, and a second restriction includes a restriction on purchasable products, a purchase A configuration including at least one of possible store restrictions and notification restrictions is shown.
As an example of the effect of the embodiment obtained by such a configuration, a first restriction including at least one of a restriction on purchasable products, a restriction on purchasable stores, and a restriction on notification, and a restriction on purchasable products , a second restriction including at least one of a restriction on a store that can be purchased and a restriction on notification, a third electronic currency based on the first electronic currency and the second electronic currency is delivered to the user of the first terminal can be associated.

In addition, the present embodiment shows a configuration in which the combined restricted electronic money (an example of the third electronic money as an example, not limitation) is an electronic money in which the first electronic money and the second electronic money are combined. ing.
As an example of the effect of the embodiment obtained by such a configuration, the third electronic money obtained by adding the first electronic money and the second electronic money can be associated with the user of the first terminal.

<Twelfth Modification (1)>
In the above embodiment, when there are restricted electronic moneys with the same restrictions, they are automatically merged, but this is not the only option. By way of example and not limitation, if it is determined that the restrictions are the same, the restricted electronic money merging process may be executed based on the approval operation of the user of the terminal 20A.

FIG. 12-4 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of FIG. 12-4 shows an example of the main menu screen of the payment application displayed on the display section 24 of the terminal 20A, and corresponds to the left side of the screen in FIG. 12-2.

The center of FIG. 12-4 shows user C.I. User A.C from A.C's account. As the second restricted electronic money, "2,000 yen" is remitted to user A's account. It is an example of a display screen when A receives. In the balance display area BR2, the first restricted electronic money balance "1,000 yen", the second restricted electronic money balance "2,000 yen", and the normal electronic money balance " 500 yen" is displayed separately.

In addition, the limited electronic money combination confirmation information MCR1 transmitted from the server 10 to the terminal 20A based on the fact that the type of shop where the first limited electronic money and the second limited electronic money can be used is common is It is displayed superimposed on the main menu screen.

Specifically, in the restricted electronic money merging confirmation information MCR1, the first restricted electronic money balance ( In this example, "1,000 yen") and a restriction mark RMK, and a second restricted electronic money balance ("2,000 yen" in this example) and a restriction mark RMK are displayed. Below that, it is shown that the type of shop where the first restricted electronic money and the second restricted electronic money can be used in common is "books/stationery".

Also displayed below it are a "merge" button BT101 for approving the merging of the first restricted electronic money and the second restricted electronic money, and a "stop" button BT102 for rejecting the merger. ing.

When the "Merge" button BT101 is tapped, the server 10 merges these two restricted electronic money. As a result, as shown on the right side of FIG. 12-4, the same display as that on the right side of FIG. 12-2 is made on the main menu screen of the payment application.

Note that the above screen diagram illustrates the case of the first restricted electronic money and the second restricted electronic money. If A owns 3 or more restricted electronic money that can be combined, display information as to whether or not to combine the 3 or more restricted electronic money into one as restricted electronic money merging confirmation information. may

As an example, not a limitation, in the processing in this modification, when it is determined that the restrictions are the same in S730 of FIG. Confirmation information is transmitted to terminal 20A by communication I/F14. The control unit 21 of the terminal 20A causes the display unit 24 to display the received restricted electronic money merging confirmation information. As an example and not a limitation, when merging restricted electronic money is selected based on an input (user operation) to the input/output unit 23 of the terminal 20A, the control unit 21 of the terminal 20A merges restricted electronic money. Approval information is transmitted to the server 10 by communication I/F22.
When receiving restricted electronic money merging approval information from the terminal 20A, the control unit 11 of the server 10 executes restricted electronic money merging processing.

If it is determined that the restrictions are the same, the restricted electronic money is merged based on the user's approval operation of the remittance source ID of the first restricted electronic money and the second restricted electronic money to be merged. Processing may be performed. In this case, when approval is obtained from both the user of the remitter ID of the first restricted electronic money and the user of the remitter ID of the second restricted electronic money, the restricted electronic money merging process is executed. Alternatively, if the approval of either one is obtained, the restricted electronic money merging process may be executed.

In addition, when the remittance source ID of the restricted electronic money before merging is 3 or more (three or more restricted electronic money are merged), in order to execute the restricted electronic money merging process, each remittance source Approval of all users of the ID may be required, or approval of a predetermined number (for example, but not limited to, a majority) may be required.

<Twelfth Modification (2)>
In the above embodiment, when the restrictions are the same, the restricted electronic money is merged, but the present invention is not limited to this. As an example and not a limitation, even when the first and second restrictions are close to each other, the restricted electronic money merging process of the first restricted electronic money and the second restricted electronic money may be executed.

Here, the closeness of the first restriction and the second restriction includes the following examples, not limitations.
• The first restriction includes the second restriction.
• The second restriction includes the first restriction.
• The first and second restrictions are similar.

When a first restriction is included in a second restriction (or a second restriction is included in a first restriction), the following examples are given by way of example and not limitation.
Inclusion relationship of notification destination As an example, not a limitation, the first restriction = notification destination is user A. A and user B. B, second restriction = notification destination is user A.B. For A (or user BB), the first restriction includes the second restriction.
・Inclusive relationship of usable store industries and service industries As an example, not a limitation, it can be used in the first restriction = "convenience store" and "books/stationery", and used in the second restriction = "convenience store" (or "books/stationery"). Where possible, the first limit includes the second limit.
・Inclusion relationship of purchasable goods and services As an example, not a limitation, if the first restriction = "entertainment" and the second restriction = "game software" (or "music purchase", etc.), The first limit includes the second limit.
・Inclusion relation regarding available date and time period As an example, not as a limitation, the first restriction can be used from 9:00 to 21:00, and the second restriction can be used from 12:00 to 13:00. , then the first constraint includes the second constraint. Also, the first limit includes the second limit if the first limit=can be used in June, which is the month of remittance, and the second limit=can be used on June 15, which is the day of the excursion.

Where the first and second restrictions are similar, the following examples are given by way of example, not limitation.
-Similarity of notification destination As an example, not limitation, in the case of the first restriction = notification to the payer's father and the second restriction = notification to the payer's mother, both notification destinations are similar because they are first relatives.
- Similarity of purchasable goods/services As an example, not as a limitation, the first limit = X. Household appliances of company X can be purchased, second restriction = Y. When home electric appliances of company Y are available for purchase, products of the same product type are available for purchase, and are therefore similar. Also, the first limit=X. Home appliances of company X can be purchased, second restriction = X. If company X's food and beverages are available for purchase, products from the same manufacturer are available for purchase, so they are similar.
・Inclusion relation regarding available date and time period As an example, not a limitation, the first restriction can be used from 11:00 to 13:00, and the second restriction can be used from 12:00 to 14:00. In the case of , a predetermined percentage or more (50% or more as an example, not a limitation) of the time allowed for use in the available time zone (in this example, both the first and second restrictions are 2 hours) is covered. therefore similar.

In this modification, at least one of the case where the first limitation includes the second limitation, the case where the second limitation includes the first limitation, and the case where the first limitation and the second limitation are the same limitation , and the server executes the process of associating the third electronic money based on the first electronic money and the second electronic money with the user of the first terminal by the control unit.
As an example of the effect of the embodiment obtained by such a configuration, when the first restriction includes the second restriction, when the second restriction includes the first restriction, and when the first restriction and the second restriction are the same restriction in at least one of the cases, based on the first restriction and the second restriction, a third electronic currency based on the first electronic currency and the second electronic currency is associated with the user of the first terminal can be

<Twelfth Modification (3)>
In the above embodiment, in the restricted electronic money merging process, the sum of the first restricted electronic money balance and the second restricted electronic money balance to be merged is set as the merged restricted electronic money balance. but not limited to this. By way of example and not limitation, the consolidated restricted electronic money balance may be calculated according to the following formula.
"Merge Restricted Electronic Money Balance" = "First Restricted Electronic Money Balance" + "Second Restricted Electronic Money Balance" + "Merge Bonus"
Here, the merging bonus is a bonus balance obtained by merging restricted electronic money. %, etc.

Note that the combined restricted electronic money balance may be calculated by the following formula.
"Merge Restricted Electronic Money Balance" = "First Restricted Electronic Money Balance" + "Second Restricted Electronic Money Balance" - "Merge Onus"
Here, the merging onus is the balance borne by the user of the terminal 20 by merging the restricted electronic money. It can be set to 5% or the like of the total value.

<Twelfth Modification (4)>
In the above embodiment, even after the first restricted electronic money balance and the second restricted electronic money balance are merged, the relationship between the records indicated by the respective remittance management IDs is saved from the restricted electronic money management data. Examples are given, but not limited to.

FIG. 12-5 in this case is an example of account management data contained in the account management database 155H before the restricted electronic money merging process is executed.
Restricted electronic money with a remittance management ID of "T02109" and restricted electronic money with a remittance management ID of "T02572" belong to the same type of store that can be used in the electronic money usage restriction management data, so restricted electronic money merging processing is performed. is executed.

FIG. 12-6 is an example of account management data contained in the account management database 155H after the restricted electronic money merging process has been executed.
In this figure, a new remittance management ID "T90001" is issued (generated) based on execution of the restricted electronic money merging process. As the remittance source ID of the restricted electronic money with the remittance management ID “T90001”, the remittance source ID of the restricted electronic money with the remittance management ID “T02109” and the restricted electronic money with the remittance management ID “T02572” are set. and the remittance source ID "U0003" are stored. Also, the restricted electronic money balance of the remittance management ID “T90001” includes the restricted electronic money balance of “1,000 yen” of the remittance management ID of “T02109” and the restricted electronic money balance of “1,000 yen” of the remittance management ID of “T02572”. "3,000 yen" obtained by adding "2,000 yen" is stored.

Note that the control unit 11 of the server 10 may not issue a new remittance management ID in the restricted electronic money merging process. In this case, "T02109" or "T02572" is still used as the remittance management ID.

<Twelfth Modification (5)>
In the above embodiment, as the data after the restricted electronic money merging process, the merged restricted electronic money management data obtained by merging the first restricted electronic money and the second restricted electronic money is used for management. , but not limited to. As an example and not a limitation, the data shown in FIG. 12-5 may be used as the data after the restricted electronic money merging process. However, the restricted electronic money with the remittance management ID "T02109" and the restricted electronic money with the remittance management ID "T02572" are added with merged flag information indicating that they have been merged. In this case, when the control unit 21 of the terminal 20A transmits electronic money balance request information requesting a list of electronic money balances to the server 10, the control unit 11 of the server 10 manages the normal electronic money balance and the restricted electronic money management. data to the control unit 21 of the terminal 20A. Based on the received restricted electronic money management data, the control unit 21 of the terminal 20A adds the restricted electronic money balance to which the merged flag information is added and causes the display unit 24 to display the added amount. At this time, the control unit 21 of the terminal 20A may prevent the display unit 24 from displaying each restricted electronic money balance to which the merged flag information is added.

This modification is a program executed by the terminal 20A (not limited, but an example of an information processing device), and a first restriction is set by the user of the terminal 20B (not limited, but an example of a first information processing device). information of the first restricted electronic money (not limited, but an example of the first electronic money) remitted from the first information processing device to the information processing device, and the terminal 20C (not limited, the second information processing device an example) of second restricted electronic money transferred from the second information processing device to the first information processing device (not a limitation, but an example of the second electronic money) for which the second restriction has been set by the user of is displayed on the information processing device, and based on the first limit and the second limit, the merged restricted electronic money balance based on the first electronic money and the second electronic money (as an example, not as a limitation, the third (an example of electronic money) is displayed on the display unit by the information processing apparatus.
As an example of the effect of the embodiment obtained by such a configuration, information of the first electronic money remitted from the first information processing device to the information processing device with the first restriction set by the user of the first information processing device and information on the second electronic money transferred from the second information processing device to the first information processing device, for which the second restriction is set by the user of the second information processing device, is displayed to the user of the information processing device. can be recognized. Further, based on the first restriction and the second restriction, the user of the information processing apparatus can be made to recognize the third electronic money based on the first electronic money and the second electronic money by display.

<Twelfth Modification (6)>
In the above embodiment, after executing the first restricted electronic money remittance process and the second restricted electronic money remittance process, the first restricted electronic money and the second restricted electronic money are combined. Although the electronic money merging process is executed, the present invention is not limited to this. As an example, not limitation, when the control unit 11 of the server 10 receives the second restricted electronic money remittance request information from the terminal 20 after executing the first restricted electronic money remittance process, the control unit 11 issues the second restricted electronic money remittance request. Based on the information, it is determined whether or not the second limit and the first limit for which remittance processing has been completed are the same limit. Then, if the restrictions are the same, the control unit 11 of the server 10 may execute restricted electronic money merging processing for merging the first restricted electronic money and the second restricted electronic money. . If the restrictions are not the same, the control unit 11 of the server 10 executes the second restricted electronic money remittance process.

In this case, the data configuration shown in FIG. 12-6 may be used as an example, not as a limitation. Also, as an example and not a limitation, in the data configuration shown in FIG. The restricted electronic money management data may be changed.

<Twelfth Modification (7)>
In the above embodiment, by executing the restricted electronic money merging process for merging the first restricted electronic money and the second restricted electronic money, the merged restricted electronic money identified by the merging management ID , but is not limited to this. As an example and not as a limitation, by canceling the merging of the generated merged restricted electronic money, the first restricted electronic money and the second restricted electronic money may be divided (restored).

In this case, the first restricted electronic money balance after splitting (restoration) and the second restricted electronic money balance are the merged restricted electronic money balance at the time of splitting, as an example and not as a limitation. It can be calculated by distributing according to the balance ratio in "( )" stored in the electronic money balance.

Note that approval may be required at the terminal 20A of the remittance destination account in order to cancel the merging of the generated merged restricted electronic money. Further, in order to cancel the merging of the generated merged restricted electronic money, approval may be required at the terminal 20B of the remittance source account.

<Twelfth Modification (8)>
In the above-described embodiment, an example of executing the restricted electronic money merging process for merging the first restricted electronic money and the second restricted electronic money is illustrated, but the present invention is not limited to this. By way of example and not limitation, in the first combined restricted electronic money obtained by merging the first restricted electronic money and the second restricted electronic money and the third restricted electronic money, the first merged restricted and the third If the restrictions are the same, the restricted electronic money merging process may be executed to merge the first merged restricted electronic money and the third restricted electronic money.

In this case, in the restricted electronic money merging process, the control unit 11 of the server 10 associates the merged restricted electronic money management data with the merging management ID of the first merged restricted electronic money, and remittance management ID before merging. , the remittance source ID of the third restricted electronic money is added to and stored. Also, the first combined restricted electronic money balance and the third restricted electronic money balance are added to the combined restricted electronic money balance and stored. Then, the third restricted electronic money balance in the restricted electronic money management data is disabled.

In the restricted electronic money merging process, the control unit 11 of the server 10 newly generates a merging management ID in the merged restricted electronic money management data, and uses it as the remittance source ID of the first merged restricted electronic money. The remittance source ID of the third restricted electronic money is stored in association with the remittance management ID before merging. Then, the first merged restricted electronic money balance and the third restricted electronic money balance may be added and stored in association with a newly generated merged management ID. In this case, the control unit 11 of the server 10 disables the use of the first merged restricted electronic money balance (enclosed in "( )" as an example, not as a limitation).

If the first merged restriction and the second merged restriction are the same, the restricted electronic money merging process is performed to merge the first merged restricted electronic money and the second merged restricted electronic money. may be executed. In this case, as a processing method for merging restricted electronic money, as an example and not limitation, the remittance source ID of the second merged restricted electronic money is associated with the merging management ID of the first merged restricted electronic money. In addition, an amount obtained by adding the first merged restricted electronic money balance and the second merged restricted electronic money balance is stored as a merged restricted electronic money balance.

Alternatively, a new merged management ID is issued, and the issued merged management ID is associated with the remittance source ID of the first merged restricted electronic money and the remittance source ID of the second merged restricted electronic money before the merger. An amount obtained by adding the first merged restricted electronic money balance and the second merged restricted electronic money balance to the remittance management ID is stored in the merged restricted electronic money balance. Then, the control unit 11 of the server 10 disables the first merged restricted electronic money balance and the second merged restricted electronic money balance.

<Twelfth Modification (9)>
If a refund occurs due to the return of goods or services, etc., and if the combined restricted e-money balance is used for payment, the amount to be refunded will be added to the combined restricted e-money balance used for settlement. You may make it

In this case, when at least part of the merged restricted electronic money used by the user of the remittee account is to be refunded, the control unit 11 of the server 10 stores the payment ID sent from the store POS system 40 as payment history management data. 157 to specify. This is to confirm whether the payment has been made and to specify the payment amount (refund amount).

Next, the control unit 11 of the server 10 refers to the restricted electronic money usage history data included in the account management data of the user of the remittance destination account in the account management database 155J, and determines the remittance management ID corresponding to the specified settlement ID. identify. If combined restricted electronic money is used for payment, this remittance management ID will include the combined management ID.

If a combined management ID exists in the remittance management ID corresponding to the specified settlement ID, at least part of the combined limited electronic money has been used for settlement. For this reason, from the restricted electronic money usage history data, the usage amount corresponding to the specified settlement ID is specified, and the usage amount is added to the combined restriction of the corresponding combined management ID in the combined restricted electronic money management data. Add to the electronic money balance with.

On the other hand, if the combined management ID does not exist in the remittance management ID corresponding to the specified settlement ID, the combined restricted electronic money was not used for settlement. Therefore, as an example and not as a limitation, processing can be performed in the same manner as in the seventh modification.

<Thirteenth embodiment>
In the above embodiment, when the restrictions including the notification destination are the same, the restricted electronic money merging process is executed.
The thirteenth embodiment is an embodiment for merging restricted electronic money having different notification destinations but the same usage restriction managed by the electronic money usage restriction management data.

The content described in the thirteenth embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Data structure>
As for the data structure, as an example and not as a limitation, the account management database 155J shown in FIG. 12-1 can be used.

<Display screen>
In the following example, it is assumed that both the first restricted electronic money and the second restricted electronic money are set with notification restrictions and restrictions different from the notification restrictions. In addition, the first restricted electronic money and the second restricted electronic money have different notification destination accounts, but the same restriction other than the notification-related restriction will be described.

13-1 and 13-2 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this embodiment.
FIG. 13-1 is a diagram showing an example of a main menu screen displayed on the display section 24 of the terminal 20A. In this example, the first restricted electronic money transfers the user of the notify account to user B. Account B.

On the left side of FIG. 13-1, the balance display area BR2 shows that the notification destination account is user B. It is displayed that B has a first restricted electronic money balance of "1,000 yen" and a normal electronic money balance of "500 yen".

The screen in the center of FIG. 13-1 shows that the notification destination account is user C. It is a part of the display screen on the terminal 20A when the second restricted electronic money balance "2,000 yen", which is C, is received. In this screen, in the balance display area BR2, in addition to the first restricted electronic money balance of "1,000 yen" and the normal electronic money balance of "500 yen", the notification destination account is the user C.I. The second restricted electronic money balance "2,000 yen", which is C, is displayed. In addition, based on the fact that the first restricted electronic money and the second restricted electronic money have the same restriction (not a limitation, but an example of a store where they can be used) that is different from the notification restriction, the server 10 sends the terminal 20A Restricted electronic money merging confirmation information MCR2 sent to is displayed.

Specifically, the restricted electronic money merging confirmation information MCR2 includes the characters "Would you like to combine restricted electronic money?" , whose notification account is user B. The illustration and restriction mark RMK indicating that it is the account of user C.B, the second restricted electronic money balance ("2,000 yen" in this example), and the notification destination account of user C.B. An illustration indicating that it is C's account and a restriction mark RMK are displayed.

Further, below it, the aforementioned "collect" button BT101 and "stop" button BT102 are displayed. When the "Merge" button BT101 is tapped, the server 10 merges these two restricted electronic money. As a result, as shown on the right side of FIG. 13-1, "3,000 yen" is displayed as the combined electronic money balance in the balance display area BR2.

Also, in this example, the notification destination accounts are user B. B, user C. Since the two restricted electronic money, which is C, are merged, user B.C is the notification destination account for the merged restricted electronic money. B and user C.B. C and both are set.

When the “code payment icon” IC2 is tapped, a code payment screen such as the left side of FIG. 13-2 is displayed. In this example, the wallet code information display area WCR1 displays a merged restricted electronic money balance (with restrictions) and a normal electronic money balance (without restrictions). A button is provided. Here, a state is shown in which the radio button corresponding to the merged restricted electronic money balance is set to "ON". When code payment is made in this state, payment is made using the combined limited electronic money, and as a result, payment result information is displayed as shown on the right side of FIG. 13-2.

In this example, it is shown that a product of "1,800 yen" was purchased at "XX bookstore" and "1,800 yen" was used for payment (settlement) from the combined restricted electronic money. This also allows user B. B and user C.B. It is shown that a restricted electronic money use notification is sent to each of C and C.

The left side of FIG. 13-3 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20A.
On the left side of the notification area, payment result information PR121 indicating that payment has been made using the combined restricted electronic money is displayed.

The center of FIG. 13-3 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20B.
On the left side of the announcement area, user A. Restricted electronic money remittance result information RR121 (“1,000 yen” in this example) indicating that restricted electronic money has been remitted to the account of user A is displayed, and user A.A's account is displayed below. Restricted electronic money usage information RU121 indicating that A has used restricted electronic money is displayed.

The right side of FIG. 13-3 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20C.
On the left side of the announcement area, user A. Restricted electronic money remittance result information RR122 (“2,000 yen” in this example) indicating that restricted electronic money has been remitted to the account of A.A is displayed, and user A.A's account is displayed below. Restricted electronic money usage information RU122 indicating that A has used restricted electronic money is displayed.

<Another example of notification>
Another example of restricted electronic money use notification will be described below. Here, the amount notified to each notification destination account is referred to as "notified amount".

FIG. 13-4 is a diagram showing another example of FIG. 13-3, which is a screen displayed on the display unit 24 of the terminal 20 in this embodiment.
In this example, user A. The amount paid by A will be distributed to each of the parties according to the balance ratio between the first restricted electronic money balance and the second restricted electronic money balance before the merger (hereinafter referred to as the "distributed amount"). Notify as notification amount to destination account.

In this example, user B. B is user A.B. The amount of restricted electronic money (first restricted electronic money) sent to user C.A is "1,000 yen". C is user A.C. The amount of restricted electronic money (second restricted electronic money) sent to A is "2,000 yen". As a result, in the balance display area BR2 of the main menu screen shown in the center of FIG. 13-1, the first restricted electronic money balance is "1,000 yen" and the second restricted electronic money balance is " 2,000 yen" is displayed.

Also in this example, user A. The amount paid by A is "1,800 yen".
In this case, user B. The distribution amount corresponding to user C.B is calculated as "1,800 yen.times.(1,000 yen/3,000 yen)=600 yen." The distribution amount corresponding to C is calculated as "1,800 yen×(2,000 yen/3,000 yen)=1,200 yen".

The left side of FIG. 13-4 is an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20, and is the same as the left side of FIG. 13-3.

The center of FIG. 13-4 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20B.
This notification screen is almost the same as the screen in the center of FIG. 13-3, but part of the information included in the restricted electronic money usage information RU123 is different. In this restricted electronic money usage information RU123, in addition to the payee (“XX bookstore” in this example), user B. The distribution amount corresponding to user B ("600 yen" as described above) is given to user B.B. It is displayed as the amount notified to B.

The right side of FIG. 13-4 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20C.
This notification screen is almost the same as the screen on the right side of FIG. 13-3, but part of the information included in the restricted electronic money usage information RU124 is different. In this restricted electronic money usage information RU124, in addition to the payee ("XX bookstore" in this example), user C.I. The distribution amount corresponding to user C ("1,200 yen" as described above) is It is displayed as the amount to be notified to C.

FIG. 13-5 is a diagram showing another example of FIG. 13-3, which is a screen displayed on the display unit 24 of the terminal 20 in this embodiment.
In this example, user A. Notify each notify account of the amount paid by A.

The left side of FIG. 13-5 is an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20, and is the same as the left side of FIG. 13-3.

The center of FIG. 13-5 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20B.
This notification screen is almost the same as the screen in the center of FIG. 13-4, but the notification amount included in the restricted electronic money usage information RU125 is different. Specifically, user A. The amount paid by A (“1,800 yen” in this example) is transferred to user B.A. It is displayed as the amount notified to B.

The right side of FIG. 13-5 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20C.
This notification screen is almost the same as the screen on the right side of FIG. 13-4, but the notification amount included in the restricted electronic money usage information RU126 is different. Specifically, user A. The amount paid by A ("1,800 yen" in this example) is sent to user C.A. It is displayed as the amount to be notified to C.

FIG. 13-6 is a diagram showing another example of the screen displayed on the display unit 24 of the terminal 20 in this embodiment.
In this example, priority is given to the first restricted electronic money before merging and the second restricted electronic money before merging. Allow the amount to be spent.

In this case, by way of example and not by way of limitation, those with lower balances may be given higher priority. That is, the merged restricted electronic money balance of the merged restricted electronic money management data is updated for each payment, and the restricted electronic money balance surrounded by "( )" of the restricted electronic money management data is updated. At this time, the amount is consumed from the balance of the restricted electronic money with the smaller balance. Then, the balance is updated for each payment, and when the restricted electronic money balance surrounded by "( )" of the restricted electronic money management data becomes "0", the merged notified electronic money is released. As a non-limiting example, notification is not sent to the notification destination account corresponding to the restricted electronic money whose balance has become "0".

In this example, user B. B is user A.B. The amount of restricted electronic money (first restricted electronic money) sent to user C.A is "1,000 yen". C is user A.C. The amount of restricted electronic money (second restricted electronic money) sent to A is "2,000 yen". As a result, in the balance display area BR2 of the main menu screen shown in the center of FIG. 13-1, the first restricted electronic money balance is "1,000 yen" and the second restricted electronic money balance is " 2,000 yen" is displayed.
In this case, since the first restricted electronic money balance is smaller than the second restricted electronic money balance, the amount is consumed from the first restricted electronic money balance.

Also, in this example, the payment amount is "1,800 yen". In this case, the entire amount of "1,000 yen" of the merged restricted electronic money is consumed from the first restricted electronic money balance, and the shortfall of "800 yen" is consumed from the second restricted electronic money balance. be done.

The left side of FIG. 13-6 is an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20, and is the same as the left side of FIG. 13-3.

The center of FIG. 13-6 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20B.
This notification screen is almost the same as the screen in the center of FIG. 13-3, but the notification amount included in the restricted electronic money usage information RU127 is different. Specifically, "1,000 yen" calculated as described above is the user C.I. It is displayed as the amount to be notified to C.

The right side of FIG. 13-6 is a diagram showing an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20C.
This notification screen is almost the same as the screen in the center of FIG. 13-3, but the notification amount included in the restricted electronic money usage information RU128 is different. Specifically, "800 yen" calculated as described above is used by user C.I. It is displayed as the amount to be notified to C.

FIG. 13-7 is a diagram showing another example of the screen displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of FIG. 13-7 is the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A. B's account is the first restricted electronic money, and the notification destination account is user C.B's account. The balance of the combined restricted electronic money ("3,000 yen" in this example) combined with the second restricted electronic money as C's account is shown.

Afterwards, user A. A assigns the notify account to user B.A. Suppose that the third restricted electronic money for B's account is newly received. In this case, as shown in the center of FIG. 13-7, in the balance display area BR2, in addition to the balance of the merged electronic money ("3,000 yen" in this example), the third restricted electronic money The balance ("1,500 yen" in this example) is displayed. Also, it is assumed that the usage restriction other than notification in the combined restricted electronic money and the usage restriction other than notification in the third restricted electronic money are the same.

In the restricted electronic money merging confirmation information MCR3, along with the characters "Would you like to combine restricted electronic money?" is user B. The illustration and restriction mark RMK indicating that it is the account of B.B, the balance of the merged restricted electronic money ("3,000 yen" in this example), and the notification destination account of user B.B. B's account and user C.B. An illustration indicating that it is C's account and a restriction mark RMK are displayed.

Further, below it, the aforementioned "collect" button BT101 and "stop" button BT102 are displayed. When the "Merge" button BT101 is tapped, the server 10 merges the third restricted electronic money and the merged restricted electronic money. As a result, as shown on the right side of FIG. 13-7, "4,500 yen" is displayed as a new combined limited electronic money balance in the balance display area BR2.

Note that unlike the above, restricted electronic money for which notifications have been set may not be merged.
This may not cause much of a problem in the example of a family member mentioned above, but if restricted e-money with unknown users as notification accounts are merged with each other, This is because there is a possibility that a notice regarding the use of the combined restricted electronic money will be issued.

By way of example and not limitation, user X. X and user Y.X. A.Y is a complete stranger, and each user A.Y sets his own account as a notification destination account. Assume that the restricted electronic money sent to A is merged. In this case, user A. By way of example, and not limitation, user X.A's use of merged restricted electronic money X and user Y. This is because there is a possibility that Y will receive an unexpected notification (as a non-limiting example, a notification including an amount different from the expected usage amount, etc.).

In addition, when restricted electronic money for which notification settings have been made are merged, the notification settings may be canceled. In this case, usage restrictions other than the notification settings are carried over to the combined restricted electronic money.

<Processing>
As for the processing, as an example and not as a limitation, in S730 of FIG. 12-3, the control unit 11 of the server 10 determines whether or not restrictions other than the notification destination ID are the same.

By taking the above-described embodiment into consideration, as an example, not a limitation, the following processing can be executed in restricted electronic money with notification (merged restricted electronic money with notification).
- In the terminal 20A of the account of the destination ID, it is displayed that a notification will be sent to the account of the destination ID before the limited electronic money with notification is used (third modification).
・When the terminal 20A of the account of the destination ID is set to refuse receipt of restricted electronic money with notification, the terminal 20B of the account of the remitter ID has rejected the remittance of restricted electronic money with notification. is displayed (third modification).
- In the terminal 20A of the account of the destination ID, reception of restricted electronic money with notification from the account of the terminal 20B is blocked (third modification).
When the terminal 20A executes the process of withdrawing restricted electronic money with notification, the control unit 11 of the server 10 transmits restricted electronic money with notification non-withdrawal information to the terminal 20A (fifth embodiment).

Also, even if restricted electronic money is limited to electronic money with notification, it can be executed in the same way. In this case, two or more notification-attached electronic money can be merged unconditionally. The notification pattern in this case is as described above.

<Effect of the thirteenth embodiment>
In this embodiment, the first restricted electronic money is restricted as electronic money with notification as a restriction different from the first restriction (not a restriction, but a notification indicating that the user of the first terminal has used the electronic money An example of a limit) is set by the user of the second terminal. In addition, the second restricted electronic money is a restriction different from the second restriction as a restriction as electronic money with notification (not a restriction, but an example of a restriction on notification indicating that the user of the first terminal has used the electronic money ) is set by the user of the third terminal.
As an example of the effect of the embodiment obtained by such a configuration, the user of the second terminal sets a restriction on notification indicating that the user of the first terminal has used electronic money, which is different from the first restriction. A third electronic currency based on one electronic currency and a second electronic currency in which the user of the third terminal sets a restriction on notification indicating that the user of the first terminal has used the electronic currency, which is different from the second restriction. may be associated with the user of the first terminal.

Also, in this case, the server 10 notifies the user of the first terminal that at least part of the merged restricted electronic money (an example of the third electronic money, not limitation) is used by the user of the first terminal based on the restriction. Restricted electronic money usage information is sent via the communication I/F 14 to the terminal 20 of the user of the notification destination account set by the user of the second terminal (not limited, but an example of the fourth terminal), and notified based on the restriction. The restricted electronic money usage information can be transmitted by the communication I/F 14 to the terminal 20 of the user of the notification destination account set by the user of the 3 terminals (not limited, but an example of the fifth terminal).
As an example of the effect of the embodiment obtained by such a configuration, when at least part of the third electronic money is used by the user of the first terminal, the fourth terminal set by the user of the second terminal and the A fifth terminal set by the user of the third terminal may be notified.

Also, in this case, the server 10 merges based on the first restricted electronic money (not limited but an example of the first electronic money) and the second restricted electronic money (not limited but an example of the second electronic money) If at least part of the restricted electronic money has been used by the user of the first terminal, the control unit 11 can control not to transmit the restricted electronic money usage information.
As an example of the effect of the embodiment obtained by such a configuration, even if at least part of the third electronic money is used by the user of the first terminal, notification can be prevented. .

Also, in this case, the server 10 associates the combined restricted electronic money (not a limitation, but an example of the third electronic money) for which a notification restriction is set with the user of the first terminal, and performs notification. A process of associating the restricted electronic money (not a limitation, but an example of the fourth electronic money) with the user of the first terminal is performed. In this case, the combined restricted electronic money for which notification restriction is set and the restricted electronic money for which notification restriction is set indicate a configuration that cannot be merged.
As an example of the effect of the embodiment obtained by such a configuration, a restriction regarding notification is set for the third electronic money associated with the user of the first terminal based on the first restriction and the second restriction, If the fourth electronic money is also set with restrictions on notification, it can be prevented from being merged into the fifth electronic money based on these electronic money.

In this case, the server 10 also communicates information confirming that the second terminal will be notified before at least part of the first restricted electronic money is used by the user of the first terminal. /F14 can be used to transmit to the first terminal.
As an example of the effect of the embodiment obtained by such a configuration, before the user of the first terminal uses at least part of the first electronic money, the first electronic money is notified to the second terminal. The user of the terminal can be notified.

Further, in this case, if the user of the first terminal has set not to receive the remittance for which notification is set, the server 10 does not associate the first restricted electronic money with the user of the first terminal, Information indicating that remittance to the user of the first terminal is not possible can be transmitted to the second terminal via the communication I/F 14 .
As an example of the effect of the embodiment obtained by such a configuration, it is possible to prevent the first electronic money from being associated with the user of the first terminal against the will of the user of the first terminal. Also, it is possible to inform the user of the second terminal that the user of the first terminal cannot transfer money.

Also, in this case, the setting that the user of the first terminal does not receive the remittance for which notification is set may include a setting that blocks the user of the second terminal.
As an example of the effect of the embodiment obtained by such a configuration, by setting the user of the second terminal to be blocked, it is possible to prevent the remittance for which the notification is set from being received.

Further, in this embodiment, when the server 10 receives the withdrawal request information for withdrawing at least a part of the merged restricted electronic money from the user of the first terminal, the merged restricted electronic money is issued. It shows a configuration for transmitting non-payment information to the first terminal.
As an example of the effect of the embodiment obtained by such a configuration, when the communication unit receives information regarding the withdrawal of at least part of the third electronic money by the user of the first terminal, the withdrawal is not possible. The user of the first terminal can be notified of this.

<Thirteenth Modification (1)>
In the above embodiment, the notification destination is not involved in determining whether or not to execute the restricted electronic money merging process, but is not limited to this. As an example and not a limitation, if the notification destinations are similar and the restrictions other than the notification destination ID are the same, the restricted electronic money merging process may be executed. In this case, the conditions for determining that the notification destinations are similar include, for example, not limitation, the case where the relationship between the user of the notification destination and the user of the remittance destination is within the second degree of kinship. By doing so, electronic money with notification restriction that is notified to close users such as family members is merged, but it is possible to avoid erroneously merging electronic money with notification restriction that is notified to a complete stranger. can be done.

<14th embodiment>
In the above embodiment, restricted electronic money is merged when restrictions are the same.
The 14th embodiment is an embodiment in which special restricted electronic money is not merged with restricted electronic money regardless of conditions such as restrictions.

The content described in the fourteenth embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

In this embodiment, electronic money for errands is transferred from a parent to a child as an example and not as a limitation. However, it is desirable that electronic money for errands be returned (remitted) from the child to the parent after the payment for the errand is completed. Such restricted electronic money that is temporarily handed over for a certain purpose is called "pool restricted electronic money". The restricted electronic money for the pool may be electronic money with notification, or restricted electronic money on which usage restrictions are imposed by electronic money usage restriction management data. Alternatively, it may be restricted electronic money with notification.

Restricted electronic money for the pool is automatically transferred to the remittance source ID account according to the 11th embodiment at a certain predetermined time (as an example, not as a limitation, but as an example, but not as a limitation, but as an example, but as an example, according to the 11th embodiment. It is electronic money to be remitted (returned). Therefore, it can be treated as a normal electronic money balance with a restriction that it is remitted (returned) at a predetermined time.

<Data structure>
As for the data structure, as an example and not as a limitation, the account management database 155J shown in FIG. 12-1 can be used.
As an example and not a limitation, the restricted electronic money management data stores the electronic money remittance date and time in association with the remittance management ID. The electronic money remittance date and time stores the date and time when the balance of the restricted electronic money is remitted (returned) to the remitter ID. The electronic money remittance date and time is, as an example and not a limitation, the date and time set in the first restricted electronic money remittance setting process, the second restricted electronic money remittance setting process, or both in the terminal 20B of the remitter account. .

<Processing>
As for the processing, as an example and not a limitation, in step S730 of FIG. When electronic money remittance date and time are set for money, restricted electronic money merging processing is not executed.

When the electronic money remittance date and time for the first restricted electronic money and the electronic money remittance date and time for the second restricted electronic money are the same, the control unit 11 of the server 10 controls the first restricted electronic money and the second restricted electronic money. A restricted electronic money merging process for merging restricted electronic money may or may not be executed.

As a non-limiting example, when executing step S470 in FIG. 7-6, the control unit 11 of the server 10 acquires the current date and time by the clock unit 19 and determines whether or not the electronic money remittance date and time have passed. When the electronic money remittance date and time has passed, the control unit 11 of the server 10 executes the steps from S620 onward in FIG. 11-3 as a return target for the restricted electronic money for which the electronic money remittance date and time has passed, not as a limitation but as an example. do.
Note that the control unit 11 of the server 10 may determine whether or not the electronic money remittance date and time has passed every predetermined period (for example, every 0 minutes on the hour, not limited). good.

<Fifteenth embodiment>
In the above embodiment, when the restricted electronic money merging process for merging the first restricted electronic money and the second restricted electronic money is executed, the merged restricted electronic money is generated.
The fifteenth embodiment is an embodiment in which when restricted electronic money and normal electronic money are to be merged, restricted electronic money is merged with normal electronic money.

The content described in the fifteenth embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<Data structure>
As for the data structure, as an example and not as a limitation, the account management database 155J shown in FIG. 12-1 can be used. Note that if the merging of restricted electronic money is not taken into consideration, the account management database 155F shown in FIG. 7-1 and the account management database 155G shown in FIG. 7-7 can be used as examples rather than limitations.

<Display screen>
14-1 and 14-2 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this embodiment.
FIG. 14-1 shows the code payment screen of the payment application displayed on the display unit 24 of the terminal 20A, and the wallet code information display area WR2 shows the limited electronic money balance ("3,000 yen" in this example). ) and the restriction mark RMK are displayed. Also, "500 yen" is displayed as the normal electronic money balance. In this example, the restriction mark RMK is tapped, and stores (in this example, "books/stationery") where the restricted electronic money can be used are displayed.

After that, when "2,800 yen" is paid using restricted electronic money at "XX bookstore", the settlement result information shown in the center of FIG. 14-1 is displayed.

The right side of FIG. 14-1 shows a state in which the main menu screen of the payment application is displayed on the display unit 24 of the terminal 20A after that. In this example, based on the fact that "200 yen" remains of restricted electronic money, a restricted electronic money merging operation is performed to confirm whether or not to merge the remaining restricted electronic money into normal electronic money. Confirmation information MCR4 is displayed. In the restricted electronic money merging confirmation information MCR4, when the above-described “collect” button BT101 is tapped, the display on the left side of FIG.

The restricted electronic money merging process is executed by the server 10, and the restricted electronic money is merged with the normal electronic money. is displayed.

In this state, as a non-limiting example, it is assumed that the "withdrawal" icon IC3 is tapped. In this case, by way of example and not limitation, the screen in the middle of FIG. 14-2 is displayed.
This screen is a withdrawal screen of the aforementioned payment application. Here, an input is normally made to withdraw "500 yen" out of the electronic money balance "700 yen", and the "withdrawal" button BT52 is pressed. The tapped state is shown.

The right side of FIG. 14-2 shows an example of the notification screen of the payment application displayed on the display unit 24 of the terminal 20A in this case.
On the left side of the notification area, payment result information PR131 corresponding to the screen in the center of FIG. 14-1 is displayed. is displayed.

<Processing>
FIG. 14-3 is a flow chart showing an example of the flow of processing executed by each device in this embodiment, showing the portion corresponding to FIG. 7-6. Prior to FIG. 14-3, the user of the terminal 20A transmits normal electronic money charge request information for charging normal electronic money to the server 10 via the communication I/F 22, and the control unit 11 of the server 10 receives the normal electronic money charge request information. Based on the received normal electronic money charge request information, a normal electronic money charge process for charging the account of the terminal 20A with the normal electronic money balance may be executed.

The control unit 21 of the terminal 20A selects, as payment balance selection information, for example and not limitation, a payment including the remittance management ID of the sixth restricted electronic money remitted to the user of the terminal 20A, the limit being set in an arbitrary terminal. The balance selection information is transmitted to the server 10 via the communication I/F 22 (A420). Note that the control unit 21 of the terminal 20A transmits to the server 10 payment balance selection information including the merging management ID of the merged restricted electronic money for which the first restricted electronic money and the second restricted electronic money are to be merged. You may make it

Based on the received payment balance selection information, the control unit 11 of the server 10 executes a limited payment process (S450), and when the payment result information is transmitted (S150), the limited electronic money balance used for payment (combined It is determined whether or not the balance of the restricted electronic money balance) is equal to or less than a predetermined balance (S760). Note that the control unit 11 of the server 10 may determine in S760 whether or not the balance of the restricted electronic money balance used for the payment (merged restricted electronic money balance) is less than a predetermined balance.

Here, the predetermined balance is an amount at which the restricted electronic money balance becomes sufficiently small and the balance alone becomes difficult to use. By way of example and not limitation, the predetermined balance is “200” yen, which is an amount set by the user of the server 10 . The predetermined balance may be an amount determined by the user of the terminal 20A, or may be an amount specified by the terminal 20 of the remittance source account of the restricted electronic money balance (merged restricted electronic money balance). In the case of restricted electronic money with notification, the predetermined balance may be designated by the terminal 20 of the notification destination account.

Note that the predetermined balance is not limited to the set amount. As a non-limiting example, “predetermined balance”=“percentage of remaining amount”דrestricted electronic money balance at time of remittance (merged restricted electronic money balance at time of merging)” may be used. By way of example and not limitation, the balance percentage is a percentage set by the user of the server 10, such as "5%." The balance ratio may be a ratio determined by the user of the terminal 20A, or may be a ratio specified by the terminal 20 of the remittance source account of the restricted electronic money balance (merged restricted electronic money balance). In the case of restricted electronic money with notification, the remaining amount ratio may be designated by the terminal 20 of the notification destination account.

If it is determined that the balance of the restricted electronic money used for the payment (merged restricted electronic money balance) is equal to or less than the predetermined balance (S760: YES), the control unit 11 of the server 10 merges the normal electronic money. Processing is executed (S770).
In the normal electronic money merging process, the control unit 11 of the server 10 adds the restricted electronic money balance of the remittance management ID determined to be equal to or less than the predetermined balance to the normal electronic money balance, for example and not limitation. Then, the record designated by the remittance management ID is erased from the restricted electronic money management data.
When it is determined that the merged restricted electronic money balance is equal to or less than the predetermined balance, the control unit 11 of the server 10 adds the merged restricted electronic money balance of the merged management ID to the normal electronic money balance. Then, the record specified by the merged management ID is erased from the merged restricted electronic money management data. In addition, the control unit 11 of the server 10 may delete the record of the remittance management ID stored as the pre-merger remittance management ID from the restricted electronic money management data.

It should be noted that normal electronic money can also be regarded as restricted electronic money as electronic money without notice or restriction. Therefore, the normal electronic money merging process can also be regarded as a type of restricted electronic money merging process.

Also, the normal electronic money merging process may be executed without conditions.

When the normal electronic money merging process is executed, the control unit 11 of the server 10 transmits the normal electronic money merging process result information to the terminal 20A via the communication I/F 14 . The control unit 11 of the server 10 transmits the normal electronic money merging process result information to the terminal 20 of the remittance source account and the terminal 20 of the notification destination account of the restricted electronic money merged by the normal electronic money merging process. You may do so.

If it is determined that the balance of the restricted electronic money balance used for the payment (merged restricted electronic money balance) is larger than the predetermined balance (S760: NO), the control unit 11 of the server 10 performs S770 and S780. Skip steps.

When communication I/F 22 determines that the normal electronic money merging process result information is received from server 10 (S740: YES), control unit 21 of terminal 20A displays the received normal electronic money merging process result information on display unit 24. display (A750).
If it is determined that the normal electronic money merging process result information has not been received from the server 10 (S740: NO), the control section 21 of the terminal 20A skips step A750.

Then, as a non-limiting example, the control unit 21 of the terminal 20A, based on the input (user operation) to the input/output unit 23 of the terminal 20A, normal electronic money withdrawal request information regarding withdrawal of the normal electronic money balance is transmitted to the server 10 via the communication I/F 22 . When normal electronic money withdrawal request information is received from terminal 20A through communication I/F 14, control unit 11 of server 10 executes normal electronic money withdrawal processing. The control unit 11 of the server 10 transmits normal electronic money withdrawal processing result information, which is the processing result of the normal electronic money withdrawal processing, to the terminal 20A via the communication I/F 14, and the control unit 21 of the terminal 20A receives the normal electronic money withdrawal processing result information. The electronic money withdrawal processing result information may be displayed on the display unit 24 .

As an example and not a limitation, based on an input (user operation) to the input/output unit 23 of the terminal 20A, a restricted electronic money withdrawal related to withdrawal from the restricted electronic money balance (merged restricted electronic money balance) is performed. Money request information is transmitted to the server 10 via the communication I/F 22 . When the restricted electronic money withdrawal request information is received from the terminal 20A through the communication I/F 14, the control unit 11 of the server 10 transmits the restricted electronic money withdrawal impossible information indicating that the withdrawal is impossible through the communication I/F 14. Send to terminal 20A. When the restricted electronic money withdrawal information is received from the server 10 via the communication I/F 22, the control unit 21 of the terminal 20A causes the display unit 24 to display the received restricted electronic money withdrawal information.

<Effects of the fifteenth embodiment>
In this embodiment, the sixth restricted electronic money (as an example, not as a limitation, an example of the sixth electronic money transferred from the fourth terminal to the first terminal with the third restriction set by the user of the fourth terminal) , a restricted electronic money remittance process that associates the user of the terminal 20A (not limiting, but an example of a first terminal), and normal electronic money (not limiting, but an example of a seventh electronic money with no restrictions ), the normal electronic money charging process that associates the user of the first terminal with the user of the first terminal, and the control unit of the server, and limited electronic money withdrawal request information (as an example, but not limited to, the user of the first terminal 6 Restricted electronic money withdrawal impossibility information indicating that withdrawal in cash is not possible when receiving at least part of the electronic money withdrawal as cash) (as an example, not limitation, (an example of withdrawal prohibition information) is sent to the first terminal, and normal electronic money withdrawal request information (as an example, not limitation, at least a part of the eighth electronic money based on the sixth electronic money and the seventh electronic money) is sent to the first terminal. (example of information about withdrawal as cash) is received, normal electronic money withdrawal processing relating to withdrawal of at least part of normal electronic money (not limited, but an example of the eighth electronic money) as cash is performed. It shows a configuration in which what is performed by the control unit is performed by the server.
As an example of the effect of the embodiment obtained by such a configuration, when the user of the first terminal receives information regarding the withdrawal of at least part of the sixth electronic money, the user is informed that the withdrawal is not possible. One terminal user can be informed. On the other hand, when receiving information about withdrawing at least part of the eighth electronic money based on the sixth electronic money and the seventh electronic money, withdrawing at least part of the eighth electronic money can be made possible.

In addition, in this embodiment, the restricted electronic money (not limited, but an example of the sixth electronic money) is a condition that the restricted electronic money balance is equal to or less than a predetermined balance (not limited, but an example of a set total condition ), it can be combined with normal electronic money (not limited, but an example of the seventh electronic money), and the eighth electronic money is an electronic money in which the sixth electronic money and the seventh electronic money are combined. showing configuration.
As an example of the effect of the embodiment obtained by such a configuration, the sixth electronic money can be added to the seventh electronic money to obtain the eighth electronic money based on the set summing conditions.

In addition, in the present embodiment, the totalization condition is a condition related to a predetermined balance (not limited, but an example of the balance of the sixth electronic money) or a balance ratio (not limited, but the number of the sixth electronic money remitted to the first terminal) It shows a configuration including conditions related to (an example of the ratio of the balance to the amount).
As an example of the effect of the embodiment obtained by such a configuration, the sixth The electronic money can be appropriately added up with the seventh electronic money.

<Sixteenth embodiment>
In the above-described embodiment, an example is shown in which the first restricted electronic money and the second restricted electronic money are combined and restricted settlement processing is performed using the merged restricted electronic money.
The 16th embodiment is an embodiment in which continuous restricted payment processing is executed using merged restricted electronic money.

The content described in the 16th embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

As an example, not limitation, in a restricted electronic money merging process for merging the first restricted electronic money and the second restricted electronic money, it is assumed that the first restricted electronic money is merged into the first merged restricted electronic money. Also, as an example, not limitation, in the restricted electronic money merging process for merging the third restricted electronic money and the fourth restricted electronic money, it is assumed that the third restricted electronic money is merged into the second merged restricted electronic money.

In this case, as an example and not a limitation, the twelfth embodiment is taken into consideration and the restricted electronic money merging process is executed according to the flow of FIG. , by executing the payment process with a continuation limit, the payment process can be executed in the following combinations, by way of example and not limitation.
・Normal electronic money and first merged restricted electronic money ・Normal electronic money and second merged restricted electronic money ・First merged restricted electronic money and second merged restricted electronic money ・Normal electronic money and second merged 1 Combined restricted electronic money and 2nd combined restricted electronic money 5th restricted electronic money and 1st combined restricted electronic money 5th restricted electronic money and 2nd combined restricted electronic money 3rd 5 Restricted electronic money and first merged restricted electronic money and second merged restricted electronic money Normal electronic money Fifth restricted electronic money and first merged restricted electronic money Fifth restricted electronic money and 6th restricted electronic money and 1st merged restricted electronic money Normal electronic money 5th restricted electronic money 6th restricted electronic money 1st merged restricted electronic money and 2nd merged restricted electronic money Electronic money

That is, payments can be made using any combination of regular electronic money, restricted electronic money, and combined restricted electronic money.

<Other Examples>
In the above-described embodiment, as a payment method using electronic money, the "user presentation type" code payment has been described, but the present invention is not limited to this. By way of example and not limitation, a transaction may be performed using a "store-presented" code payment.
In this case, the store POS system 40 is unnecessary. As for processing in the “store presentation type” code payment, first, when the control unit 21 of the terminal 20A transmits the wallet payment request information, the server 10 transmits the account identification information to the terminal 20 . As an example and not a limitation, the control unit 21 of the terminal 20A reads store information (store identification code information) presented to the store where the payment is made by the imaging unit 27 . Note that the control unit 21 of the terminal 20A may capture an image of the product/service to be purchased by the imaging unit 27, and identify the product/service to be purchased based on the captured image. Unlike the “user presentation type” code payment, the control unit 21 of the terminal 20A can determine the usable balance of each restricted electronic money before entering the payment amount. Therefore, in the "store presentation type" code payment, the payment amount can be entered by referring to the available total balance. Note that the control unit 21 of the terminal 20A transmits store information and captured images to the server 10, and based on the store information and captured images received by the server 10, calculates the usable total balance. good too.
When the payment amount is input based on the input (user operation) to the input/output unit 23 of the terminal 20A, the control unit 21 of the terminal 20A generates payment request information including at least the account identification information, the store information, and the payment amount. The information is sent to the server 10, and the server 10 executes payment processing (payment processing with limitation/payment processing with continuous limitation) based on the received payment request information.

As a payment method using electronic money, a payment method using near-field wireless communication such as NFC (NFC payment) may be used instead of code payment. In this case, upon receiving the wallet code information from the server 10 , the control unit 21 of the terminal 20A transmits the wallet code information to the store POS system 40 via the communication I/F 22 . When wallet code information is received from terminal 20A through communication I/F 54, payment request information is transmitted to server 10 based on the received wallet code information.

<Others>
In the above embodiment, an example of payment using a terminal was exemplified, but the invention is not limited to this. As an example and not a limitation, in a plurality of servers 10 (server 10A, server 10B, . . . ), account management data is associated with the account of the user of server 10A. Also, the account management data is associated with the account of the user of the server 10B. Then, the server 10A may be caused to execute the process executed in the terminal 20A, and the server 10B may be caused to execute the process executed in the terminal 20B.
The information processing device for the remittance source account may be the server 10B, and the information processing device for the remittee account may be the terminal 20A. Further, the information processing device of the remittance source account may be the terminal 20B, and the information processing device of the remittee account may be the server 10A.

1 communication system 10 server 20 terminal 30 network 40 store POS system

Claims (32)

A program executed by a server communicating with a first terminal and a second terminal,
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting to the second terminal, by the communication unit, notification setting information indicating that the notification is set for the first electronic money remitted to the user of the second terminal;
Sending the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal is performed by the server. A program executed by a server communicating with a first terminal and a second terminal,
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
Before the user of the second terminal uses at least part of the first electronic money, the communication unit transmits third information about the notification to the third terminal to the second terminal. and
Sending the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal is executed by the server. A program executed by a server communicating with a first terminal and a second terminal,
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal ;
When the user of the second terminal has set not to receive the remittance for which the notification is set, the first electronic money is not associated with the user of the second terminal, and the Sending remittance prohibition information indicating that remittance is not possible to the user to the first terminal is performed by the server. A program executed by a server communicating with a first terminal and a second terminal,
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
control for storing the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information ; and the first electronic money for which the notification is set. and a control to distinguish and store a second electronic currency associated with the user of the second terminal for which the notification is not set, by the control unit of the server;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
Sending the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal is performed by the server. A program executed by a server communicating with a first terminal and a second terminal,
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal ;
When at least part of the first electronic money is withdrawn by the user of the second terminal, the communication unit transmits the notification to the third terminal by the server. A program executed by a server communicating with a first terminal and a second terminal,
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal ;
When the communication unit receives information regarding withdrawal of at least part of the first electronic money from the second terminal, the withdrawal disapproval information indicating that withdrawal is not possible is sent to the second terminal. and transmitting by a communication unit are performed by the server. A program executed by a server communicating with a first terminal and a second terminal,
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal ;
When at least part of the first electronic money used by the user of the second terminal is to be refunded, the user of the second terminal can Controlling refunding by the control unit is executed by the server. The program according to any one of claims 1 to 7 ,
The notification includes information indicating that at least part of the first electronic money has been used by the user of the second terminal. The program according to claim 8 ,
The notification includes the amount of money spent of the first electronic money by the user of the second terminal, the location of the money spent by the user of the second terminal, the product purchased by the user of the second terminal, the second It includes at least one of the services purchased by the user of the terminal. The program according to any one of claims 1 to 9 ,
The notification is not sent by the server if the balance of the first electronic money is less than or equal to a set amount. The program according to any one of claims 1 to 10 ,
The notification is not sent by the server if the amount of the first electronic currency used by the user of the second terminal is less than or equal to a set amount. The program according to any one of claims 1 to 11 ,
The notification is sent by the server at a timing set by the user of the first terminal. The program according to claim 1 ,
receiving, by the communication unit, permission information regarding permission for remittance to the user of the second terminal, which is transmitted from the second terminal based on the transmission of the notification setting information to the second terminal; executed by the server,
The first electronic money is stored in association with the user of the second terminal based on the reception of the authorization information. The program according to claim 3 ,
Setting the user of the second terminal not to receive the remittance for which the notification is set includes setting the user of the first terminal to be blocked. The program according to any one of claims 1 to 14 ,
The third terminal is the first terminal. The program according to any one of claims 1 to 15 ,
The settings related to the notification include settings related to performing the notification to the third terminal different from the first terminal. The program according to any one of claims 1 to 16 ,
The server performs control by the control unit to transmit the notification to a chat room including the user of the third terminal. 18. The program according to claim 17 ,
The third terminal is the first terminal,
the chat room includes a user of the first terminal and a user of the second terminal;
When the user of the first terminal makes an input to the notification displayed in the chat room, the electronic currency for which the notification is set is sent to the user of the second terminal every set period. Sending information for inputting the amount of money to be remitted to the first terminal by the communication unit is executed by the server. An information processing method for a server that communicates with a first terminal and a second terminal, comprising:
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting to the second terminal, by the communication unit, notification setting information indicating that the notification is set for the first electronic money remitted to the user of the second terminal;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal. An information processing method for a server that communicates with a first terminal and a second terminal, comprising:
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
Before the user of the second terminal uses at least part of the first electronic money, the communication unit transmits third information about the notification to the third terminal to the second terminal. and
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal. An information processing method for a server that communicates with a first terminal and a second terminal, comprising:
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal ;
When the user of the second terminal has set not to receive the remittance for which the notification is set, the first electronic money is not associated with the user of the second terminal, and the and transmitting to the first terminal remittance prohibition information indicating that remittance is not possible to the user . An information processing method for a server that communicates with a first terminal and a second terminal, comprising:
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
control for storing the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information ; and the first electronic money for which the notification is set. and a control to distinguish and store a second electronic currency associated with the user of the second terminal for which the notification is not set, by the control unit of the server;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal. An information processing method for a server that communicates with a first terminal and a second terminal, comprising:
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal ;
transmitting the notification to the third terminal by the communication unit when at least part of the first electronic money is withdrawn by the user of the second terminal. An information processing method for a server that communicates with a first terminal and a second terminal, comprising:
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal ;
When the communication unit receives information regarding withdrawal of at least part of the first electronic money from the second terminal, the withdrawal disapproval information indicating that withdrawal is not possible is sent to the second terminal. and transmitting by a communication unit . An information processing method for a server that communicates with a first terminal and a second terminal, comprising:
The communication unit of the server receives, from the first terminal, first information, which is information relating to remittance of the first electronic money for which notification has been set by the user of the first terminal, to the user of the second terminal. and
Based on the reception of the first information, the control unit of the server performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal;
transmitting to the second terminal, by the communication unit, second information indicating that the money has been transferred from the first terminal to the user of the second terminal based on the reception of the first information;
transmitting the notification to the third terminal by the communication unit based on the use of at least part of the first electronic money by the user of the second terminal ;
When at least part of the first electronic money used by the user of the second terminal is to be refunded, the user of the second terminal can and controlling the refund by the control unit . A server that communicates with a first terminal and a second terminal,
a communication unit configured to receive, from the first terminal, first information, which is information relating to remittance of the first electronic money for which the user of the first terminal has made notification settings to the user of the second terminal;
a control unit that performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information;
The communication unit transmits to the second terminal, based on the reception of the first information, second information indicating that the money has been transferred from the first terminal to the user of the second terminal , and sending to the second terminal notification setting information indicating that the notification is set for the first electronic money remitted to the second terminal, and at least one of the first electronic money Sending the notification to the third terminal based on the portion being used. A server that communicates with a first terminal and a second terminal,
a communication unit configured to receive, from the first terminal, first information, which is information relating to remittance of the first electronic money for which the user of the first terminal has made notification settings to the user of the second terminal;
a control unit that performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information;
The communication unit transmits to the second terminal, based on the reception of the first information, second information indicating that the money has been transferred from the first terminal to the user of the second terminal , and before at least part of the first electronic currency is used by the user of the second terminal, the third information relating to the notification to the third terminal is transmitted to the second terminal; The notification is sent to the third terminal based on the fact that at least part of one electronic currency has been used. A server that communicates with a first terminal and a second terminal,
a communication unit configured to receive, from the first terminal, first information, which is information relating to remittance of the first electronic money for which the user of the first terminal has made notification settings to the user of the second terminal;
a control unit that performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information;
The communication unit transmits to the second terminal, based on the reception of the first information, second information indicating that the money has been transferred from the first terminal to the user of the second terminal, and sending the notification to a third terminal based on the fact that at least a portion of the first electronic money has been used by the user of the second terminal, and setting the user of the second terminal not to receive the remittance for which the notification is set If so, the first electronic money is not associated with the user of the second terminal, and remittance prohibition information indicating that remittance cannot be made to the user of the second terminal is transmitted to the first terminal. A server that communicates with a first terminal and a second terminal,
a communication unit configured to receive, from the first terminal, first information, which is information relating to remittance of the first electronic money for which the user of the first terminal has made notification settings to the user of the second terminal;
control for storing the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information ; and the first electronic money for which the notification is set. and control to distinguish and store second electronic money associated with the user of the second terminal for which the notification is not set,
The communication unit transmits to the second terminal, based on the reception of the first information, second information indicating that the money has been transferred from the first terminal to the user of the second terminal, and sending the notification to the third terminal based on the fact that at least part of the first electronic money has been used by A server that communicates with a first terminal and a second terminal,
a communication unit configured to receive, from the first terminal, first information, which is information relating to remittance of the first electronic money for which the user of the first terminal has made notification settings to the user of the second terminal;
a control unit that performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information;
The communication unit transmits to the second terminal, based on the reception of the first information, second information indicating that the money has been transferred from the first terminal to the user of the second terminal, and when the notification is sent to the third terminal based on the fact that at least part of the first electronic money has been used by the user of the second terminal, and at least part of the first electronic money has been withdrawn by the user of the second terminal , sending said notification to said third terminal . A server that communicates with a first terminal and a second terminal,
a communication unit configured to receive, from the first terminal, first information, which is information relating to remittance of the first electronic money for which the user of the first terminal has made notification settings to the user of the second terminal;
a control unit that performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information;
The communication unit transmits to the second terminal, based on the reception of the first information, second information indicating that the money has been transferred from the first terminal to the user of the second terminal, and transmitting the notification to a third terminal based on the fact that at least part of the first electronic money has been used by the second terminal, and providing information on withdrawal of at least part of the first electronic money by the second terminal When it is received, it transmits to the second terminal, payment-impossible information indicating that payment is not possible . A server that communicates with a first terminal and a second terminal,
a communication unit configured to receive, from the first terminal, first information, which is information relating to remittance of the first electronic money for which the user of the first terminal has made notification settings to the user of the second terminal;
a control unit that performs control to store the first electronic money to be remitted to the user of the second terminal in association with the user of the second terminal based on the reception of the first information;
The communication unit transmits to the second terminal, based on the reception of the first information, second information indicating that the money has been transferred from the first terminal to the user of the second terminal, and sending the notification to a third terminal based on the fact that at least a portion of the first electronic money has been used by
When at least a part of the first electronic money used by the user of the second terminal is to be refunded, the control unit returns the first 2 Control to refund to the user of the terminal .

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