JP7417796B2 - Programs, information processing methods, servers - Google Patents

Description

The present disclosure relates to a program, an information processing method, a server, and the like.

2. Description of the Related Art Recently, services that realize payments using electronic money and the like are becoming popular through applications that can be executed on terminals such as smartphones. For example, Patent Document 1 discloses a technique for settling the purchase price of a product.

Japanese Patent Application Publication No. 2002-176671

According to the first aspect of the present invention, the program executed by the server that associates and stores the user of the first terminal and electronic money is transmitted from the second terminal to which the first restriction has been set by the user of the second terminal. A process of associating the first electronic money remitted to the first terminal with the user of the first terminal, and a process of associating the first electronic money remitted to the first terminal with the user of the first terminal; 2. A process of associating the electronic money with the user of the first terminal is performed by the control unit of the server, and based on the first restriction and the second restriction, the first electronic money and the second electronic money are The server executes the process of associating the third electronic money with the user of the first terminal by the control unit.
According to the second aspect of the present invention, an information processing method of a server that associates and stores a user of a first terminal and electronic money is a method for storing electronic money from a second terminal in which a first restriction is set by a user of the second terminal. A process of associating the first electronic money remitted to one terminal with the user of the first terminal, and a process of associating the first electronic money remitted to one terminal with the user of the first terminal, and the second electronic money remitted from the third terminal to the first terminal for which the second restriction is set by the user of the third terminal. The process of associating the electronic money with the user of the first terminal is performed by the control unit of the server, and the process of associating the electronic money with the user of the first terminal is performed, and the 3, the control unit performs a process of associating the electronic money with the user of the first terminal.
According to the third aspect of the present invention, the server that associates and stores the user of the first terminal and the electronic money is configured to send money from the second terminal to the first terminal for which the first restriction has been set by the user of the second terminal. a process of associating the first electronic money transferred to the first terminal with the user of the first terminal; and second electronic money transferred from the third terminal to the first terminal with a second restriction set by the user of the third terminal; a control unit that performs a process of associating the user of the first terminal with the user of the first terminal, the control unit is configured to generate third electronic money based on the first electronic money and the second electronic money, A process of associating the user with the user of the first terminal is performed.
According to the fourth aspect of the present invention, the server that stores electronic money in association with the user of the first terminal includes a processor that reads a program stored in the memory and executes processing based on the program, and the processor: A process of associating the first electronic money transferred from the second terminal to the first terminal with a first restriction set by the user of the second terminal, and a second performing a process of associating the second electronic money transferred from the third terminal to the first terminal with the restriction set and the user of the first terminal; and based on the first restriction and the second restriction. , and performing a 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.
According to the fifth aspect of the present invention, the program executed by the information processing device is configured to execute a program executed by the information processing device in which the first limit is set by the user of the first information processing device, and the first limit is set by the user of the first information processing device. 1 electronic money information and information about the second electronic money remitted from the second information processing device to the first information processing device, for which the second restriction has been set by the user of the second information processing device, on the information processing device. The control unit of the information processing device controls to display the third electronic money based on the first electronic money and the second electronic money on the display unit based on the first restriction and the second restriction. The information processing device executes the operations performed by the information processing device.

FIG. 1 is a diagram illustrating an example of a system configuration of a communication system according to an embodiment. FIG. 1 is a diagram illustrating an example of a system configuration of a store POS system according to an embodiment. FIG. 3 is a diagram illustrating an example of functions realized by the control unit of the server according to the first embodiment. FIG. 3 is a diagram showing an example of information etc. stored in the storage unit of the server according to the first embodiment. FIG. 3 is a diagram showing an example of account registration data according to the first embodiment. The figure which shows an example of the account management database based on 1st Example. FIG. 3 is a diagram illustrating an example of functions realized by the control unit of the terminal according to the first embodiment. FIG. 3 is a diagram showing an example of information stored in a storage unit of the terminal according to the first embodiment. FIG. 3 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the first embodiment. FIG. 3 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the first embodiment. FIG. 3 is a diagram showing an example of a screen displayed on the display unit of the terminal according to the first embodiment. 5 is a flowchart illustrating an example of the flow of processing executed by each device according to the first embodiment. 5 is a flowchart illustrating 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 based on a 1st modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 1st modification. The figure which shows an example of the account management database based on a 1st modification. 7 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 the 2nd modification. The figure showing an example of payment history management data concerning a 2nd modification. The figure which shows an example of the account management database based on a 2nd modification. The figure which shows an example of the screen displayed on the display part of the terminal based on a 2nd modification. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a third embodiment. 12 is a flowchart showing an example of the flow of processing executed by each device according to the third embodiment. 12 is a flowchart showing an example of the flow of processing executed by each device according to the third embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 3rd modification. 12 is a flowchart illustrating an example of the flow of processing executed by each device according to the third modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 3rd modification. 12 is a flowchart illustrating an example of the flow of processing executed by each device according to the third modification. The figure which shows an example of the account management database based on 4th Example. FIG. 7 is a diagram illustrating an example of a screen displayed on a display unit of a terminal according to a fourth embodiment. FIG. 7 is a diagram illustrating an example of a screen displayed on a display unit of a terminal according to a fourth embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 4th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 4th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 4th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 4th modification. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a fifth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a fifth embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 5th modification. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a sixth embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 6th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 6th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 6th modification. The figure which shows an example of the account management database based on 7th Example. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a seventh embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a seventh embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a seventh embodiment. 12 is a flowchart showing an example of the flow of processing executed by each device according to the seventh embodiment. 12 is a flowchart showing an example of the flow of processing executed by each device according to the seventh embodiment. The figure which shows an example of the account management database based on the 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 7th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 7th modification. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to an eighth embodiment. 10 is a flowchart showing an example of the flow of processing executed by each device according to the eighth embodiment. 10 is a flowchart showing an example of the flow of processing executed by each device according to the eighth embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 8th modification. 12 is a flowchart illustrating an example of the flow of processing executed by each device according to an eighth modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 8th modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 8th modification. 12 is a flowchart illustrating an example of the flow of processing executed by each device according to an eighth modification. The figure which shows an example of the screen displayed on the display part of the terminal based on the 8th modification. The figure which shows an example of the account management database based on 9th Example. FIG. 9 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a ninth embodiment. FIG. 9 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a ninth embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 9th modification. The figure which shows an example of the processing method in the usage balance selection process based on a 9th modification. The figure which shows an example of the processing method in the usage balance priority setting process based on the 9th modification. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a tenth embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 10th modification. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to an eleventh embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to an eleventh embodiment. 12 is a flowchart showing an example of the flow of processing executed by each device according to the eleventh embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 11th modification. 12 is a flowchart illustrating an example of the flow of processing executed by each device according to an eleventh modification. FIG. 7 is a diagram showing an example of an account management database according to the twelfth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a twelfth embodiment. 12 is a flowchart showing an example of the flow of processing executed by each device according to the twelfth embodiment. The figure which shows an example of the screen displayed on the display part of the terminal based on the 12th modification. The figure showing an example of account management data concerning a 12th modification. The figure showing an example of account management data concerning a 12th modification. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a thirteenth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a thirteenth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a thirteenth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a thirteenth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a thirteenth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a thirteenth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a thirteenth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a fifteenth embodiment. FIG. 7 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a fifteenth embodiment. 12 is a flowchart showing an example of the flow of processing executed by each device according to the fifteenth embodiment.

<Compliance with legal matters>
Please note that the disclosures described herein are subject to compliance with the host country's legal requirements necessary for the implementation of the disclosures, such as confidentiality of communications.

<Embodiment>
In this specification, for the sake of clarity, there are places where the phrase ``as an example, not a limitation'' is written, but the description is not limited to only those places, and the entire embodiment described below. Please note that.

Embodiments for implementing programs and the like according to the present disclosure will be described with reference to the drawings.

A system may include, by way of example and not limitation, a plurality of devices.
The plurality of devices may be a combination of devices of the same type, devices of different types, or a combination of devices of the same type and devices of different types.
Note that a system can also be thought of as, by way of example and not limitation, a plurality of devices working together to perform some kind of processing.

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

(1) is a system that includes, 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 configured by the following devices, by way of example and not limitation, and may be a single device or a combination of multiple devices.

In particular, the server may include, by way of example and not limitation, at least one processor (for example, without limitation, a CPU: Central Processing Unit, a GPU: Graphics Processing Unit, an APU: Accelerated Processing Unit, a DSP: a Digital Signal Processor). (ASIC: Application Specific Integrated Circuit, FPGA: Field Programmable Gate Array), etc.), a computer device (processor + memory), a control device, an arithmetic device, a processing device, etc. or configurations that include multiple devices of the same type (for example, not limited to, CPU+CPU, homogeneous multi-core processor, etc.), or configurations that include multiple types of different types of any one device (for example, but not limited to, CPU+DSP, heterogeneous multi-core processors, etc.) etc.), or a combination of multiple devices (for example, without limitation, a processor + computer device, processor + arithmetic device, heterogeneous multiple devices, etc.).
Note that the processor may be a virtual processor.

Further, when a server executes some processing and is configured with a single device, the processing described in the embodiment is executed by the single device. Furthermore, in the case of a configuration including a plurality of devices, the configuration may be such that one device executes some of the processes and the other device executes the other processes. By way of example and not limitation, when the computer is configured to include a processor and an arithmetic device, the processor may execute the first process and the arithmetic device may execute the second process.
Furthermore, when the system is configured with a plurality of devices, each device may be configured to be arranged at physically distant positions from each other.

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

Further, the control unit of the system can be at least one of a terminal control unit and a server control unit. In other words, by way of example and not limitation, (1A) only the terminal control section, (1B) only the server control section, or (1C) both the terminal control section and the server control section, the system It can be a control unit of.

In addition, the control and processing performed by the system control unit (hereinafter collectively referred to as "control, etc.") may be performed only by (1A) the terminal control unit, or (1B) server control. (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, some of the controls performed by the control unit of the system are performed by the control unit of the terminal, and the remaining control etc. are performed by the control unit of the server. You can do it like this. In this case, the allocation (allocation) of control etc. may be divided equally, or may be allocated at different ratios instead of equally.

In addition, when the communication unit of a server is configured by a single device, the communication unit itself provided in the single device may be used. Further, when the server is configured to include a plurality of devices, the communication section of the server may include a communication section of each device.
By way of example and not limitation, if the server includes a first device and a second device, the first device has a first communication section, and the second device has a second communication section, the communication section of the server includes: The concept may include a first communication section and a second communication section.

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

The control etc. performed by the server system may be performed by (2A) only one server among a plurality of servers, (2B) only another server, or (2C) one server. This may be done by the server and other servers.
Furthermore, in (2C), as an example and not a limitation, one server may perform some of the controls performed by the server system, and the remaining controls may be performed by another server. good. In this case, the allocation (allocation) of control etc. may be divided equally, or may be allocated at different ratios instead of equally.

(3) may be a system configured by a plurality of terminals, by way of example and not limitation.
This system may be, by way of example and not limitation, as follows.
- A system that provides server functionality to terminals (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. This can be achieved, by way of example and not limitation, by communicating in a P2P (peer-to-peer) manner using short-range wireless communication technology such as Bluetooth.

Note that the above applies not only to the control unit but also to each functional unit that can be a component of the system, such as an input/output unit, a communication unit, a storage unit, and a clock unit.

The following embodiments illustrate, by way of example and not limitation, a system that includes a terminal and a server (by way of example and not limitation, a client-server system).
Note that it is also possible to apply the server system (2) above as the server.

Further, instead of the system including a terminal and a server, it is also possible to apply a system not including a server, and by way of example and not limitation, the system (3) above.
The embodiment in this case can be configured based on the aforementioned blockchain technology or the like. Specifically, by way of example and not limitation, data stored and managed by a server described in the embodiments below is stored on a blockchain. The terminal can then generate a transaction to the blockchain, and when the transaction is confirmed on the blockchain, the data stored on the blockchain can be updated.

Note that even when expressed as a terminal, this is not limited to the meaning of the terminal as a client device in a client server.
That is, a terminal may include the concept of a device other than that of a client server.

Further, in this specification, the expression "by communication I/F" is used as appropriate. This indicates, by way of example and not limitation, that the device transmits and receives various information and data via the communication I/F (via the communication unit) based on the control of the control unit (processor, etc.). It shall be permitted to do so.

In addition, in this specification, when referring to terms such as "related to" or "associated with," "B related to A" or "B related to A," the term "B related to A" is used as an example and not a limitation. ``B'' may mean ``B''. A specific example of this will be described later.

In this specification, when a device performs processing on two or more things, such as "sending A and B" or "receiving A and B,""A" is used. This includes cases in which "B" is performed at the same timing (hereinafter referred to as "simultaneous") and cases in which "A" and "B" are performed at different timings (hereinafter referred to as "non-simultaneous"). shall be deemed acceptable.
As an example and not a limitation, when transmitting the first information and the second information, there is a case where the first information and the second information are sent at the same timing, and a case where the first information and the second information are sent at different timings. It is acceptable to include the concepts of both "transmission" and "transmission."
Note that in consideration of lag (time lag), "simultaneously" may include "almost simultaneously".

Note that even if "A" and "B" are performed at different timings, it is only necessary to process "A" and "B", and the purpose is not necessarily the same. It may be omitted.
As an example and not a limitation, when transmitting the first information and the second information as described above, it is only necessary to transmit the first information and the second information, and the first information and the second information may be transmitted for the same purpose. In addition to the case where the first information and the second information are sent for different purposes, this may include the case where the first information and the second information are sent for different purposes.

In the following example, a service for a user to make a payment (hereinafter referred to as a "payment service") will be exemplified. Further, an application for realizing a payment service is referred to as a "payment application."
By way of example and not limitation, a payment application may allow a user to make payments using electronic money.

As a payment method using electronic money, by way of example and not limitation, either a "user-presentation type" code payment or a "store-presentation type" code payment can be applied.

"User presentation type" code payment is an example, not a limitation, in which the user presents the code information displayed on the display unit 24 of the terminal 20 to the store clerk and makes the payment by having the store employee read it with the store's code reader. This can be done as a method.
By way of example and not limitation, the "store presentation type" code payment can be a method in which the user makes a payment by having the code reader of his or her terminal 20 read code information presented by the store.

Although it is possible to apply any payment method, in the following example, for the sake of simplicity, the description will focus on "user-presented" code payment. However, the same can be applied to "store presentation type" code payments.

Furthermore, in the following embodiments, a messaging service will be exemplified as an example of a service for users to chat (hereinafter referred to as a "chat service"). Further, an application for implementing a chat service is referred to as a "chat application", and an application for implementing a messaging service is referred to as a "messaging application".
By way of example and not limitation, a chat application may allow users to chat in chat rooms.

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

In addition, in the following embodiments, as an example of a messaging service, an instant messaging service: IMS (Instant Messaging Service).
Instant messaging applications, by way of example and not limitation, may enable users to conduct conversations in chat rooms.

A chat room (for example, but not limited to, a talk room) can be a UI (User Interface) or GUI (Graphical User Interface) that allows each user to view content sent and received between multiple users' terminals. .

In addition, talk rooms include one-on-one user talk rooms (hereinafter referred to as "one-on-one talk rooms"), group talk rooms including multiple users (hereinafter referred to as "group talk rooms"), A talk room with users of official accounts (hereinafter referred to as "OA talk room"), etc. can be included.

For data management purposes, a one-on-one talk room can be managed as a talk room for one-on-one users or one-on-one accounts, or as a talk room for a group consisting of two users or two accounts. You may.

An official account is an account of a business operator (an account of a user of a business operator), not a general user, and users of this official account may also use terminals similar to those of general users, by way of example and not limitation. , it is possible to send and receive content (messages) to and from other devices via the server.

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

Examples of content include, but are not limited to, text content in text format, image content in image (including at least one of still images and moving images) format, sound content in sound (including audio) format, etc. May be included.
In addition to this, operation content such as buttons and icons used for user operations, and link content such as link information (including, by way of example and not limitation, URI (Uniform Resource Identifier), etc.) may also be included. shall be taken as a thing.

By way of example and not limitation, the text may include at least one of the following: characters of each country represented by character codes, extended characters, model-dependent characters, numbers, symbols, figures, and codes.
Note that the text does not need to include at least one of the above characters, extended characters, model-dependent characters, numbers, symbols, figures, and codes, and may include other text.

The image can include, by way of example and not limitation, at least one of various types of image information such as an icon, a button, a stamp, a pictogram, and a banner image.

As a form for realizing the payment service (payment application), any of the following forms can be applied, by way of example and not limitation.
(A) A form in which the payment service function is provided as a function of a messaging application (B) A form in which an application (integrated application) is configured that has the function of a payment service and a function of a messaging service (C) What is a payment application? How to configure a messaging application as a separate application

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

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

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

In this specification, "electronic money" refers to electronic money that is distinguished from physical money, and refers to electronic money owned by a terminal managed in the various applications described above or by a user of the terminal. It shall be good in its meaning.
Note that "electronic money" may also be considered as "digital currency (digital money)."

One way of thinking is that electronic money may be considered a concept that includes "electronic money," "virtual currency (crypto assets)," "central bank issued digital currency (CBDB)," and the like.

Furthermore, electronic money may be either "legal tender" or "corporate currency." The electronic money implementation method may be "centralized finance (CeFi)" or "decentralized finance (DeFi)."

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

Note that corporate currency may include physical currency such as coupons.

<First example>
The first embodiment is provided as an example and not a limitation, from a user of one terminal 20 (hereinafter referred to as a "first terminal") to another terminal 20 (hereinafter referred to as a "second terminal" as appropriate). Based on the electronic money being remitted to the user and at least a portion of the electronic money being used by the user of the second terminal, a notification is sent to the predetermined terminal 20 (hereinafter referred to as the "third terminal" as appropriate). This is an example in which the information is transmitted.

Hereinafter, as mentioned above, a business that provides payment services using a payment application will be referred to as a "payment service business".
Note that the payment service provider can also be expressed as a provider of a payment application or a provider of the server 10.
It can also be referred to as a payment service provider in the sense of a company that provides payment services.

Additionally, a store that has partnered with a payment service provider and can use a payment service that uses a payment application to pay for goods and services provided at the store can be referred to as a "member store."

Further, in the following, the name of the payment application will be appropriately referred to as "Payment App" for illustration and explanation.

The content described in the first embodiment is applicable to each of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

<System configuration>
FIG. 1-1 is a diagram illustrating an example of a system configuration of a communication system 1 in 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 (terminal 20A, terminal 20B, terminal 20C, . . . ), and one or more store POS systems 40 are connected via a network 30. Connected.

The server 10 has the function of providing predetermined services (by way of example and not limitation, payment services, messaging services, etc.) to the terminals 20 owned by users via the network 30 . Server 10 may also be described as, by way of example and not limitation, a payment server, a settlement server, a messaging server, and the like.
In this embodiment, the users of the server 10 are a payment service provider (operator) and a messaging service provider (operator).

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

The terminals 20 (terminal 20A, terminal 20B, terminal 20C, . . . ) may be any information processing terminal that can implement the functions described in each embodiment. Terminal 20 may include, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (by way of example and not limitation, a desktop, laptop, tablet, etc.), a media computer platform (by way of example and not limitation, a cable, satellite set, etc.). top boxes, digital video recorders), handheld computing devices (by way of example and not limitation, personal digital assistants, e-mail clients, etc.), wearable terminals (glass-like devices, watch-like devices, etc.), VR (Virtual Reality) including a terminal, smart speaker (speech recognition device), or other type of computer or communication platform. Further, the terminal 20 may be expressed as an information processing terminal.

By way of example and not limitation, the configurations of terminal 20A, terminal 20B, and terminal 20C may be the same. Furthermore, if necessary, the terminal used by user X may be expressed as terminal 20X, and the user information in a predetermined service associated with user You don't have to.
Note that 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, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's hobbies, entered by the user or provided by a predetermined service. It includes information associated with the user such as preferences and user identifiers, and may be any one or a combination of these, or may not be the same.

The network 30 plays a role of connecting one or more terminals 20 and one or more servers 10. That is, the network 30 refers to a communication network that provides a connection path so that the various devices described above can transmit and receive data after being connected.

One or more portions of network 30 may or may not be a wired network or a wireless network. 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 (wireless LAN: WLAN), wide area network (WAN), wireless WAN (WWAN), metropolitan area network (MAN), part of the Internet, public switched telephone network (Public 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 of these. 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, or 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 that can implement the functions described in each embodiment. Server 10 may include, by way of example and not limitation, a server device, a computer (such as, by way of example and not limitation, a desktop, laptop, tablet, etc.), a media computer platform (by way of example and not limitation, a cable, satellite set-top box, digital video recorder, etc.). ), handheld computing devices (by way of example and not limitation, PDAs, email clients, etc.), or other types of computers or communication platforms. Further, 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 each expressed as an information processing device.

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

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

The communication I/F 22 transmits and receives various data via the 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 communicating with various devices such as the server 10 via the network 30. The communication I/F 22 transmits various data to various devices such as the server 10 according to instructions from the control unit 21. Furthermore, the communication I/F 22 receives various data transmitted from various devices such as the server 10 and transmits the received data to the control unit 21 . Moreover, the communication I/F 22 may be simply expressed as a communication section. In addition, when the communication I/F 22 is composed of 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 section 23, the input section and the output section may be integrated, or may be separated into an input section and an output section, or may not be.

The input unit is realized 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, by way of example and not limitation, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via moving images), and a microphone (operation input via voice).

The output unit is realized by any one of all types of devices capable of outputting the processing results processed by the control unit 21 or a combination thereof. Output units include, by way of example and not limitation, a touch panel, a touch display, a speaker (audio output), a lens (including, by way of non-limiting example, 3D (three dimensions) output or hologram output), a printer, and the like.

Although this is just an example, the input/output section 23 includes a display section 24, a sound input section 25, a sound output section 26, and an imaging section 27, by way of example and not limitation.

The display unit 24 is realized by any one or a combination of all types of devices capable of displaying data according to the display data written in the frame buffer. The display unit 24 may include, by way of example and not limitation, a touch panel, a touch display, a monitor (including, but not limited to, a liquid crystal display or an OELD (organic electroluminescence display)), a head mounted display (HDM), a projection mapping, and a hologram. , 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 for inputting sound data (including audio data; the same applies hereinafter). The sound input section 25 includes a microphone and the like.
The sound output unit 26 is used to output sound data. The sound output unit 26 includes a speaker and the like.
The imaging unit 27 is used to obtain 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 have substantially the same size and shape and may be disposed facing each other.

The clock unit 29A is a built-in clock of the terminal 20, and outputs time information (timekeeping information). The clock section 29A includes, by way of example and not limitation, a clock using a crystal oscillator. The clock section 29A can also be expressed as a clock section or a time information detection section, by way of example and not 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 (hereinafter referred to as “position calculation information”) necessary for the control unit 21 to calculate (measure) the position of its own terminal 20. Department. The position calculation information detection unit 29B can also be expressed as a position calculation sensor unit, by way of example and not limitation.

The position calculation information detection unit 29B includes, by way of example and not limitation, 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 (IMU (Inertial Measurement Unit)) which is a sensor or unit for calculating the position of the terminal 20 using an inertial navigation system, and UWB (Ultra Wide Wireless). It includes a UWB positioning sensor (UWB positioning unit), which is a sensor or unit for calculating the position of the terminal 20 using the UWB band.

The satellite positioning unit includes, by way of example and not limitation, 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; A positioning satellite signal is captured by performing correlation calculation processing on the digital signal output from the RF receiving circuit, and information such as satellite orbit data and time data extracted from the positioning satellite signal is used as position calculation information. It has a baseband processing circuit etc. for output.

The inertial measurement unit has an inertial sensor that is a sensor that detects information necessary for calculating the position of the terminal 20 by inertial navigation calculation. Inertial sensors include, by way of example and not limitation, a 3-axis acceleration sensor and a 3-axis gyro sensor, and use the acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor as position calculation information. Output.

By way of example and not limitation, the UWB positioning unit is an ultra-wideband RF (Radio Frequency) signal that converts into a digital signal an ultra-wideband RF (Radio Frequency) signal including an ultra-wideband pulse signal for positioning transmitted from a positioning beacon that is received by an antenna (not shown). It includes 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 wideband RF reception circuit and the ultra-wideband RF reception circuit.
Note that, by way of example and not limitation, the UWB positioning unit may cause the terminal 20 to function as a positioning beacon by transmitting an ultra-wideband RF signal including an ultra-wideband pulse signal for positioning from an antenna (not shown). You don't have to do that.

By way of example and not limitation, the control unit 21 calculates the position of its own terminal 20 at regular timing or at a specific timing based on the position calculation information detected by the position calculation information detection unit 29B. The position of a terminal is referred to as a "terminal position", and the calculated terminal position is referred to as a "calculated terminal position". The control unit 21 may or may not store the calculated terminal position in the storage unit 28 as calculated terminal position history data in association with the date and time when the calculated terminal position was calculated.

The control unit 21 has a physically structured circuit for executing functions realized by codes or instructions included in a program, and includes, by way of example and not limitation, a data processing device built into hardware. This is realized by Therefore, the control unit 21 may or may not be expressed as a control circuit.

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

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

In the terminal 20, the program P is stored in the storage unit 28, and by executing the program P, 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 realize each function executed by the control unit 21. Furthermore, this program P may or may not be expressed as a program module.

(2) HW configuration of server FIG. 1-1 shows an example of the HW configuration of the server 10.
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. The HW components of server 10 are interconnected via bus B, by way of example and not limitation. Note that the HW of the server 10 does not necessarily include all the 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 allow removal of individual components, or multiple components.

The control unit 11 has a physically structured circuit for executing functions realized by codes or instructions included in a program, and includes, by way of example and not limitation, a data processing device built into hardware. This 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 control unit 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. Furthermore, the storage unit 15 may or may not be expressed as a memory.

The communication I/F 14 transmits and receives various data via the 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 communicating with various devices such as the terminal 20 via the network 30. The communication I/F 14 transmits various data to various devices such as the terminal 20 according to instructions from the control unit 11. Further, the communication I/F 14 receives various data transmitted from various devices such as the terminal 20 and transmits the received data to the control unit 11. Moreover, the communication I/F 14 may be simply expressed as a communication section. Furthermore, when the communication I/F 14 is composed of 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 section 12, the input section and the output section may be integrated, or may be separated into an input section and an output section, or may not be.

The input unit is realized 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 typically implemented using hardware keys such as a keyboard or a pointing device such as a mouse. Note that the input unit may or may not include, by way of example and not limitation, a touch panel, a camera (operation input via a moving image), or a microphone (operation input via voice).

The output unit is realized by any one of all types of devices capable of outputting the processing results processed by the control unit 11 or a combination thereof. Output units include, by way of example and not limitation, a touch panel, a touch display, a speaker (sound output), a lens (including, by way of non-limiting example, 3D (three dimensions) output or hologram output), a printer, and the like.

Although this is just an example, the input/output section 12 includes a display section 13 by way of example and not limitation.

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

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

(3) System configuration of store POS FIG. 1-2 shows an example of the system configuration of the store POS system 40.
The store POS system 40 is a POS system that is introduced and used in a store affiliated with a business operator that operates the server 10, and includes, by way of example and not limitation, a store code reader device 50, a code register 60, and a store. server 70.

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

The store code reader device 50 includes, by way of example and not limitation, a control section 51, an input/output section 52, a display section 53, a communication I/F 54, a storage section 55, a sound output section 56, and a POS communication I/F section. 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), a two-dimensional code (two-dimensional code image), and wallet code information, which will be described later, by way of example and not limitation.

By way of example and not limitation, the code register 60 is communicatively connected to the store code reader device 50 and the store server 70 via the POS communication I/F 57, and based on the payment completion notification etc. received by the store code reader device 50 from the server 10, A receipt is printed with information on the total amount of sold products and the electronic currency balance of the user of the terminal 20.

Furthermore, by way of example and not limitation, a display may be configured that is provided integrally with the code register 60 or separately from the code register 60 and has a display surface facing the customer side.
The code cash register 60 is a cash register configured to be compatible with payment applications, and can also be referred to as a stationary terminal compatible with payment applications.

The store server 70 may, by way of example and not limitation, store information regarding its own store, information regarding products sold at its own store, information regarding services provided at its own store, and information on sales of products and provision of services at its own store. 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 external devices such as the server 10 via the network 30.

Note that the store server 70 does not necessarily need to be configured to be able to communicate directly with the store code reader device 50, and may be configured to be able to communicate with the store code reader device 50 via the code register 60. By way of example and not limitation, the payment completion notification etc. 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 by executing the program P, the control unit 11 executes processes 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 realize each function executed by the control unit 11. This program P may or may not be expressed as a program module.
The same applies to other devices.

In each embodiment of the present disclosure, description will be made assuming that the CPU of the terminal 20 and/or the server 10 executes the program P.

Note that the control unit 21 of the terminal 20 and/or the control unit 11 of the server 10 may be formed not only in a CPU having a control circuit but also in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc. Each process may or may not be realized by a dedicated logic circuit (hardware) or a dedicated circuit. Further, 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. Furthermore, LSIs are sometimes 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.

Further, the program P (by way of example, but not limitation, a software program, computer program, or program module) of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium, or It doesn't have to be done. The storage medium can store the program P in a "non-temporary tangible medium". Further, the program P may or may not be for realizing a part of the functions of each embodiment of the present disclosure. Furthermore, it may or may not be a so-called difference file (difference program) that can realize the functions of each embodiment of the present disclosure in combination with a program P already recorded on a storage medium.

Furthermore, when referring to a system program (a program executed by the system), the system is as described above. The system program described above is a program that can be executed by the entire system, and this program may be composed of programs for individual devices constituting the system, by way of example and not limitation. It is assumed that the programs stored in each device may be different. In other words, the program does not have to be common to each device that makes up the system.
As an example and not a limitation, if a system is composed of a terminal and a server, and the program of the system is P1, the program P1 of the system is composed of a program P2 stored in the terminal and a program P3 stored in the server. P2 and P3 are for executing system programs, and may be different programs. By way of example and not limitation, the program P2 stored on the terminal is a program that executes a first process and sends the result of the first process to the server, and the program P3 stored on the server is a program that executes a first process and sends the result of the first process to the server. The program may be a program that performs a second process on the result of the first process and sends the result of the second process to the terminal.

The storage medium may include one or more semiconductor-based or other integrated circuits (ICs), such as, by way of example and not limitation, a field programmable gate array (FPGA) or an application specific integrated circuit (ASIC), a 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 (SSD), a RAM drive, a secure digital card, or any other suitable storage medium, or a suitable combination of two or more thereof. Storage media may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate. Note that the storage medium is not limited to these examples, and may be any device or medium as long as it can store the program P. Further, the storage medium may or may not be expressed as a memory.

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

Further, 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 waves, etc.) that can transmit the program. . By way of example and not limitation, the server 10 and/or the terminal 20 realize the functions of the plurality of functional units shown in each embodiment by executing a program P downloaded via the Internet or the like.

Furthermore, each embodiment of the present disclosure may 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, at least some or all of the processing of each functional unit of the control unit 21 of the terminal 20 may or may not be performed by the server 10.
At least part or all of the processing in the server 10 may be performed by the terminal 20, or may not be performed. In this case, at least some or all of the processing of each functional unit of the control unit 11 of the server 10 may or may not be performed by the terminal 20.

Unless explicitly stated, the configuration of the determination in the embodiments of the present disclosure is not essential, and a predetermined process may be performed when the determination condition is met, or a predetermined process is performed when the determination condition is not met. You may or may not.

Note that the program of this disclosure uses scripting 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, etc., by way of example and not limitation. It is implemented using

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

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, by way of example and not limitation, an application management processing program 151 executed as an application management process, account registration data 153, and an account management database 155.

The account registration data 153 is registration data regarding an account of an application (in this embodiment, a payment application), and an example of the data structure is shown in FIGS. 1-5.
The account registration data 153 stores, by way of 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 by way of example and not limitation, the name that the user of the terminal 20 registers when using the application is stored.

The application ID is information used to identify an application's account, or the account itself.
This application ID is preferably a unique value for each account, and is set and stored by the server 10 as a unique value (unique value) for each account, by way of example and not limitation.
The application ID is information associated with the terminal 20 or the user of the terminal 20, and is an example of information regarding the terminal or information regarding the user of the terminal.

Other registered information includes, by way of example and not limitation, identification information for identifying the terminal 20, telephone number of the terminal 20 (terminal telephone number), email address (terminal email address), and information used for various types of authentication in applications. 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 limitation, a terminal ID (by way of example and not limitation, IMEI (International Mobile Equipment Identity)).
Furthermore, the identification information for identifying the user of the terminal 20 may be, by way of example and not limitation, an application ID for general users or an application ID for official users.

Note that a "user ID" may or may not be used instead of the application ID.
In addition, if the application allows only one account to be registered for one terminal 20, it is not limited, but as an example, "Identification information for identifying the terminal 20 = Identification information for identifying the user of the terminal 20 = Application ID".

Further, as an example and not a limitation, it may be possible to assign a plurality of terminal IDs to one application ID, or it may not be necessary to do so.

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

Note that in the following various embodiments, for the sake of simplicity, it is assumed that one account is registered for one terminal 20.
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", so the "account user" used in the following explanation is The term may be substantially synonymous with "account terminal."

The account management database 155 is a database for managing information related to accounts registered in the account registration data 153, and an example of the data structure 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 notification.

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, and includes, by way of example and not limitation, the notification destination ID, the name of the notifier, and the notification. It is stored in association with the electronic money balance.

In the example 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 the configuration is such that it is possible to perform settings for notification to a notification destination user. Further, remittance based on this setting is referred to as "remittance with notification", and electronic money remitted based on this setting is referred to as "electronic money with notification".
Notifications may include, by way of example and not limitation, notifications based on the use of notified 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 notification destination account (hereinafter referred to as the "notification destination account") of the electronic money usage notification with notification, and is provided as an example and not a limitation. The application ID of the account is stored.

The notifier name is the 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 electronic money with notification associated with this notification destination ID.

As an example and not a limitation, each time electronic money with a notification is transferred from a remittance source account to a remittance destination account, the notification destination ID, notifier name, and electronic money balance with notification are associated, and the notification is made as a new record. The information can be added to and stored in the electronic money management data.
Then, when the electronic money balance with notification decreases due to payment or the like, a notification of the use of electronic money with notification can be sent to the terminal 20 of the user of the account of the notification destination ID.

Note that in this embodiment, information regarding who sent the electronic money with notification to the user of the remittance account is not essential. Therefore, 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.

In addition, as an example and not a limitation, in the first to third embodiments, "notification destination account = remittance source account" and electronic money with notification is used for the account (or its user) that made the remittance with notification. This will be explained as notification being performed.

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

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, by way of example and not limitation, an application processing program 281 executed as application processing and an application ID 283 corresponding to the terminal 20 or the account of the user of the terminal 20.

<Display screen>
Below, as an example and not a limitation, a case where the terminal 20 is a smartphone including the display section 24 of a vertically long display will be exemplified.

By way of example and not limitation, a smartphone is provided with a touch panel that functions as an input unit and is placed opposite 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 a part of the touch panel that is opposite to the area where the element is displayed is operated by the user, The program associated with the element or a subroutine of that program is executed.

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

Note that the transition of the display screen described below is only an example of the transition of the display screen for realizing the method of the present disclosure. Regarding the transition of display screens illustrated below, display of some display screens may be omitted, or other display screens may be added.

FIG. 1-9 is a diagram showing an example of the transition of screens 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. Account of A (user of second terminal) - Notification destination account = Remittance source account = User B. A case where the account is for B (the user of the first terminal) will be exemplified.

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

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

Further, below that, a page name display area is configured that indicates the page name in the payment application. In this example, the characters "Wallet Main Menu" indicating that the page name is the main menu of the payment application are displayed. Displayed within the page name display area.

A balance display area BR1 that displays information on the electronic money balance of this account is configured in the area below the page name display area. As an example and not a limitation, the balance display area BR1 displays the word "Balance" as well as the latest electronic money balance of this account and a charge button CBT for charging electronic money to the normal electronic money balance. .

When the "remittance" icon IC1 including the text 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, by way of example and not limitation.
This screen is for setting up a remittance account. By way of example and not limitation, the remittance account is displayed with the text "Please specify the remittance destination" as information for specifying the remittance account. A search box is displayed for searching by phone number.

Also, below that, information about accounts that have made remittances with notifications in the past is listed. Specifically, in this example, user A. The icon image and user name (A.A) corresponding to user A, and the icon image and user name (A.A) corresponding to user C. An icon image and user name (CC) corresponding to C are displayed. In addition, a checkbox is provided on the left side of each, and when the checkbox is tapped, a checkmark is placed in the checkbox, allowing the user to designate that user's account as the remittance account. . In this example, user A. A state is shown in which the checkbox corresponding to A is checked.

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

Further, below that, information for configuring notification settings is displayed. Specifically, as an example and not a limitation, the user A., who is the user of the remittance account set on the screen in the center of FIG. The icon image of A and its user name (A.A) are displayed.

Also, below that, user A. When electronic money is used by A, a slide button is displayed for setting whether or not to receive information indicating that fact (hereinafter referred to as "electronic money usage information with notification"). In this example, a state is shown in which the notification setting is set to "ON" due to a tap operation or a slide operation on the slide button.

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

In this state, when the "Remittance" button BT2 at the bottom of the screen is tapped, the user A. By way of example and not limitation, the screen on the left side of FIG. 1-10 is displayed on the display unit 24 of A's terminal 20A.
This screen is a diagram showing an example of a payment application notification screen displayed on the display unit 24 of the terminal 20A.
Below the page name display area is a notification area in which the content of the notification is displayed, and on the left side of the notification area is 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, this is information indicating that he has received electronic money with a notification, so it can also be considered as electronic money reception result information with a notification.

Notified electronic money remittance result information NR1 includes, by way of example and not limitation, the remitted amount (received amount), the remittance date and time that is the date and time when the notified electronic money remittance process was performed by the server 10, and the recipient side. It includes a "receive" icon indicating that the remittance is the remittance destination (remittance destination), information illustrating 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 a "receive" icon is displayed next to it to indicate that the remittance has been received. In addition, "April 5, 2021 10:23" is displayed as the remittance date and time, and user B. The icon image of B. and its user name (B.B) are the user A.B. as the remittance account. The icon image of A and its user name (A.A) are displayed.

User A. By way of example and not limitation, when the "Return to Menu" button BT3 at the bottom of the screen is tapped by A, the main menu screen at the center of FIG. 1-10 is displayed, by way of example and not limitation. 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 includes a balance display area BR2.

Here, the balance displayed in the balance display area BR2 may be, by way of example and not limitation, the 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. 1-6 is user A. This is A's account, and the normal electronic money balance is ``500 yen.'' Also, in this example, user B. B to user A. "1,000 yen" is remitted to user A as a remittance with notification, and user A. A is receiving 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.

After that, user A. Assume, by way of example and not limitation, that A is shopping at a store. In this case, if the "code payment" icon IC2 containing the characters "code payment" is tapped on the main menu screen in the center of Figure 1-10, by way of example and not limitation, then The screen on the right will be displayed.

This screen is a code payment screen for making a code payment, and the words "code payment" are displayed in the page name display area.
Furthermore, in the area below, there is configured a wallet code information display area WCR1 in which wallet code information is displayed.

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

In addition, 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 under the one-dimensional code image. ing.
By way of example and not limitation, this wallet token may be encoded to be stored in a two-dimensional wallet code image.

Note that 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.
Furthermore, the wallet token may not be displayed.
In addition, as shown in this figure, information regarding the expiration date of the wallet code information (as an example and not a limitation, the remaining time until the expiration date displayed under the two-dimensional wallet code image) may be displayed. It does not need to be displayed.

Furthermore, since wallet code information is code information used to make a payment (settlement), it may also be referred to as payment code information, settlement code information, or the like.

In this embodiment, as an example and not a limitation, if the normal electronic money balance<the notified electronic money balance, the server 10 can perform payment (payment processing) 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 (payment NG)
That is, in this embodiment, a payment using both the normal electronic money balance and the notified electronic money balance (combined payment) is not performed.

in particular,
In this example, (a) means that when making a payment of 500 yen or less, the payment is normally made from the electronic money balance.
In this example, (b) means that when making a payment of more than 500 yen and less than 1000 yen, the payment is made from the electronic money balance with notification.
In this example, (c) means that payment is not possible if the payment exceeds 1000 yen.

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

Further, when making the payment in the above (a), the payment may be made from the electronic money balance with notification, similarly to the above (b). In other words, the electronic money balance with notification may be used for payment with priority over the normal electronic money balance.

As an example and not a limitation, if the normal electronic money balance≧the electronic money balance with notification, the server 10 can perform payment (payment processing) based on the following.
(d) Payment amount ≦ Electronic money balance with notification: Payment is made from electronic money balance with notification (e) Electronic money balance with notification < Payment amount ≦ Regular electronic money balance: Consumed from regular electronic money balance (f) Regular electronic money balance < Payment amount: Payment not possible (payment NG)

When making the payment in the above (d), the payment may be made from the normal electronic money balance as in the above (e). In other words, the normal electronic money balance may be given priority over the notified electronic money balance to make a payment.

In the code payment screen shown on the right side of FIG. be exposed.
In this example, user A. Suppose that A purchases a book for ``1,000 yen'' at ``XX Bookstore.'' As a result, by way of example and not limitation, the screen on the left side of FIG. 1-11 is displayed.

In this example, in addition to the robot image and text that indicate that the payment has been completed, the payment amount (in this example, "1,000 yen") and the payment date and time (in this example, "April 2021") are shown as an example and not a limitation. 5th of the month at 2:50 p.m.) and the payment destination (in this example, "XX Bookstore") are displayed.

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

The right side of Figure 1-11 shows user B. who is the user of the notification destination account in this case. FIG. 4 is a diagram illustrating an example of a payment application notification screen displayed on the display unit 24 of the terminal 20B of the user B. FIG.
On this notification screen, electronic money remittance result information with notification NR2 corresponding to 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 is displayed.

Notified electronic money remittance result information NR2 includes, by way of example and not limitation, the remittance amount, remittance date and time, a "remittance" icon indicating that the electronic money with notification is the remittance source, and the remittance source and remittance destination. It includes illustrated information and a ">Check details" button.

Also, below that, user A. The electronic money with notification sent to user A. Electronic money usage information NU2 with a notification indicating that it was used by A is displayed.
This electronic money usage information with notification NU2 includes, by way of 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"), It includes characters indicating that the request was made (in this example, "Electronic money remitted to A.A. was used") and a ">Confirm details" button.
Based on this electronic money usage information NU2 with notification, user A. User B who sent money to A. B transfers the remitted amount to user A. You can know 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 figure, in order from the left, the process executed by the control unit 21 of the terminal 20A, the process executed by the control unit 21 of the terminal 20B, the process executed by the control unit 11 of the server 10, and the process executed by the store POS system 40. An example is shown.

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

Here, similar to the display screen,
・Remittance source account = User B. Account of B (user of the first terminal) ・Remittance destination account = User A. Account of A (user of second terminal) - Notification destination account = Remittance source account = User B. An example of processing for the account of B (the user of the first terminal) will be described.

First, the control unit 21 of the terminal 20B performs a notified electronic money remittance setting process as a setting process regarding the notified electronic money remittance based on the user input to the input/output unit 23 (B110). Specifically, as an example and not a limitation, the amount to be remitted, the remittance account (in this example, user A.A's account), whether to perform electronic money notification with notification (ON/OFF), and 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 sends notified electronic money remittance request information including the application ID that is the remittance source account and the setting information set in B110 to the server 10 via the communication I/F 22, by way of example and not limitation. (B120).

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

Thereafter, the control unit 11 of the server 10 transmits notified electronic money remittance result information, which is information regarding the notified electronic money remittance result, to the terminal 20A and the terminal 20B through the communication I/F 14 (S120).
The control unit 21 of the terminal 20A and the control unit 21 of the terminal 20B display the electronic money remittance result information received from the server 10 on the display unit 24, respectively (A110, B130).

After A110, the control unit 21 of the terminal 20A transmits wallet payment request information to the server 10 via the communication I/F 22 based on the user input to the input/output unit 23 (A120).
When the communication I/F 14 receives wallet payment request information from the terminal 20A, the control unit 11 of the server 10 generates the wallet code information described above and sends it to the terminal 20A via the communication I/F 14, by way of example and not limitation. (S130).
Note that information on the electronic money balance 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).

By way of example and not limitation, the store code reader device 50 sends payment request information including store 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. (P120).

Upon receiving payment request information from the store POS system 40 through 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 payment based on the methods (a) to (f) described above, by way of example and not limitation.

Thereafter, the control unit 11 of the server 10 transmits payment result information, which is information regarding 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 payment result information received from the server 10 (A140). Then, the control unit 21 of the terminal 20A ends the process.

Similarly, the control unit 51 of the store code reader device 50 causes the display unit 53 to display the payment result information received from the server 10 (P130). Then, the control unit 51 of the store code reader device 50 ends the process.

After S150, the control unit 11 of the server 10 determines whether the electronic money balance with notification was used for the payment in the payment process of S140 (S160).
If it is determined that it is not used (S160: NO), the control unit 11 of the server 10 ends the process.
On the other hand, if it is determined that the e-money 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 ends the process.

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

<Effects of the first embodiment>
In this embodiment, the server 10 is set up for notifications by the user (not limited, but an example of the first terminal) of the terminal 20 (not limited, but an example of the first terminal) of the user of the remittance source account. Receives remittance request information (not limited, but an example of information regarding remittance of first electronic money) of electronic money with a notification (not limited, but an example of first electronic money), which is electronic money that has been sent.
In addition, based on the reception of the remittance request information, the server 10 performs control to store the electronic money with a notification to be remitted to the user of the remittance account in the electronic money with notification balance (not limited to, the electronic money remitted 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.
Further, based on the reception of the remittance request information, the server 10 communicates electronic money remittance result information with notification (not limited to this, but an example of second information indicating that remittance was made from the first terminal to the user of the second terminal). It is transmitted to the terminal 20 of the user of the remittance account through the I/F 14.
Then, based on the fact that at least a portion of the notified electronic money has been used by the user of the remittance destination account, the server 10 transmits the notified electronic money usage information (not limited to, an example of a notification) to the user of the notification destination account. A configuration for transmitting to the terminal 20 (not limited to, but an example of a third terminal) is shown.
As an example of the effect of the embodiment obtained by such a configuration, first information that is information regarding remittance of 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. 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 money was remitted from the first terminal. I can let you know. Furthermore, the user of the third terminal can be informed of the fact that at least a portion of the first electronic money has been used by the user of the second terminal.

In this case, the notified electronic money usage information may include information indicating that at least a portion of the notified electronic money 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 notify the user of the third terminal that at least a portion of the first electronic money has been used by the user of the second terminal.

Further, in this embodiment, the terminal 20 of the user of the notification destination account (an example of a third terminal, not a limitation) is the terminal 20 of the user of the remittance source account (an example of a first terminal, not a limitation). It shows.
As an example of the effect of the embodiment obtained by such a configuration, the user of the first terminal who has configured notification settings is notified that at least a portion of the first electronic money has been used by the user of the second terminal. can.

As one example, a parent (mother, father) may remit electronic money to a child in order to have the child go shopping or the like.
In this case, by way of example and not limitation, the mother's account will be the remittance 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 remittance 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 notification-attached electronic money transferred from the mother to pay for shopping or the like using the child's own account, a notification can be sent to the mother's account.

Further, in this embodiment, the server 10 sends electronic money with a notification (an example of first electronic money with a notification, not a limitation) and regular electronic money (not a limitation, but a second terminal user). This figure shows a configuration in which the control unit 11 performs control to distinguish and store associated second electronic money (an example of second electronic money).
As an example of the effect of the embodiment obtained by such a configuration, the first electronic money for which notification is set and the second electronic money associated with the user of the second terminal for which notification is not set. They can be managed separately, and user convenience can be improved.

<First modification (1)>
In the above embodiment, the user of the remittance source account may be able to set the content to be notified to the notification 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 the account management database 155A, but some information stored in the electronic money management data with notification is different.

Specifically, the notification-attached electronic money management data stores the notification contents in addition to the notification destination ID, the notifier's name, and the notification-attached electronic money balance.
The content of the notification is more detailed than that notified to the notification destination account, and includes information such as the "amount" where the electronic money with notification was used, the "store" where the electronic money with notification was used, etc., by way of example and not limitation. This can be included.

In addition to this, the notification content may or may not include information on products and services purchased at the store etc. of the payment destination. In this case, the store POS system 40 may include, by way of example and not limitation, information regarding the product or service that the user is attempting to purchase in the payment request information and transmit the payment request information to the server 10.

Further, 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.

Every time electronic money with a notification is transferred from the remittance source account to the remittance destination account, the notification destination ID, the notifier name, the balance of electronic money with notification, and the notification content are associated, and a new record is created for the electronic money with notification. Added to and stored in money management data.

The control unit 11 of the server 10 receives the information that can specify the content of the notification transmitted from the store POS system 40 in step P120 of FIG. 1-13, and performs the payment 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 above notification contents in the notification-attached electronic money usage information and transmits it 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 electronic money usage information with notification including notification contents on the display unit 24.

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

In this example, an area for setting notification contents is configured in an area for setting whether or not to receive an electronic money usage notification with notification.
Specifically, as an example and not a limitation, three items are displayed as the notification content: ``Amount,''``Payee,'' and ``Contents,'' along with the words ``Notification Contents.'' A checkbox is displayed. When a checkbox is tapped, the checkbox is checked and the item can be included in the notification content. In this example, the checkbox corresponding to the "Amount" item and the checkbox corresponding to the "Payee" item are checked, and the "Remittance" button BT2 is tapped. There is.

In the center of FIG. 1-15, user A. This is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20A of A, and is a code payment completion screen similar to the screen on the left side of FIG. 1-11.

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

In addition to the information included in the electronic money usage information NU2 with notification on the screen on the right side of Figure 1-11, this electronic money usage information with notification NU3 includes, by way of example and not limitation, the electronic money with notification used for payment. The amount (in this example, "1,000 yen") and the payee (in this example, "XX Bookstore") are displayed.

In this modification, the server 10 can incorporate the notification content into the notification-attached electronic money usage information 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 amount paid by the user of the remittance account (not limited to, but an example of the amount used of the first electronic money), the payment recipient (not limited to, the second terminal An example of a location used by a user) shows a configuration including at least one of the purchased products and services.
As an example of the effects of the embodiment obtained by such a configuration, the amount of money spent out of the first electronic money by the user of the second terminal, the location where it was used by the user of the second terminal, and the purchase by the user of the second terminal. The user of the third terminal can be informed of at least one of the purchased product and the service purchased by the user of the second terminal.

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

FIG. 1-16 is a diagram showing an example of the data structure 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 above-mentioned normal electronic money balance and electronic money balance with notification.

The electronic money use notification destination management data is data for managing the notification destination when electronic money with a notification is used, and is stored by way of example, but not limitation, in which the notification destination ID and the notifier name are associated with each other. Ru.

In this modification, the server 10, in step S110 of FIG. 1-12, configures the user B. Subtract the remittance amount from the electronic money balance in B's account management data. The server 10 also serves as a server for user A. In the e-money usage notification destination management data of A's account management data, create a record that associates the notification destination ID ("U0002" in the above example) and the notifier name ("User B.B" in the above example). At the same time, the amount equivalent to the remittance amount is added to the electronic money balance.

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

In this modification, the server 10 associates electronic money with notification (an example of first electronic money with a notification, not limitation) and normal electronic money (not limitation, but associates it with the user of the second terminal). This figure shows a configuration in which the control unit 11 performs control to store the second electronic money (an example of the second electronic money) without distinguishing between the two.
As an example of the effect of the embodiment obtained by such a configuration, the first electronic money for which notification is set and the second electronic money associated with the user of the second terminal for which notification is not set. It can be managed without distinction.

<First modification (3)>
When making a payment in the first embodiment, there may be a case where the electronic money balance becomes insufficient and the payment becomes impossible (payment NG). An example of this is the cases (c) and (f) mentioned above.
In such a case, if the server 10 determines that the payment cannot be made in the payment process, 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, insufficient balance information or payment impossibility information may be sent, such as by sending a notification of insufficient balance or payment impossibility.

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

The content described in the second embodiment is applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

In this embodiment, when the electronic money balance with notification is less than or equal to the set amount (setting value) or smaller than the set amount, the electronic money usage notification with notification is not performed. This is because, as an example and not a limitation, if the balance of electronic money with notification is small to some extent, it is difficult to make a large payment etc. from electronic money with notification. By way of example and not limitation, the set amount may be set by the user of the remittance source account (and not limited to, the user of the first terminal).
Note that the settings are not limited to this, and may be set by the server 10 (the 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). You may also do so.

<Processing>
FIG. 2-1 is a flowchart showing an example of the flow of processing executed by each device in this embodiment, and shows a portion corresponding to FIG. 1-13.
By way of example and not limitation, in step B110 of FIG. 1-12, the control unit 21 of the terminal 20B may set the notification content based on user input to the input/output unit 23.

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 the electronic money balance with notification is less than or equal to the set amount (S210).
If it is determined that the notified electronic money balance is less than or equal to the set amount (S210: YES), the control unit 21 of the terminal 20B ends the process.
On the other hand, if it is determined that the electronic money balance with notification exceeds the set amount (S210: NO), the control unit 21 of the terminal 20B advances the process to S170.

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

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

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

Further, as an example and not a limitation, the notification may be made at a set timing instead of being notified every time the electronic money with notification is used. Conditions for notification in this case include the following, by way of example and not limitation.
・Set timing (once a month, once a week, etc.)
・When all the electronic money with notifications is used ・When the amount of the electronic money with notifications used is more than the set amount or larger than the set amount ・The percentage of the amount used of the electronic money with notifications is the set percentage If the number or frequency of use of e-money with notifications is greater than or equal to the set value (such as when used 5 or more times within 24 hours), or if it is greater than the set value - Above A combination of two or more of

By way of example and not limitation, the various conditions described above may be set by the user of the remittance source account (not limited to, the user of the first terminal).
Note that the settings are not limited to this, and may be set by the server 10 (the 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). You may also do so.

In this modification, the electronic money usage notification with notification is sent by the user of the remittance account (not limited, but an example of the user of the second terminal) of the electronic money with notification (not limited, but an example of the first electronic money). A configuration is shown in which the information is not transmitted by the server 10 if the amount used is less than or equal to the set amount or smaller than the set amount.
As an example of the effect of the modified example obtained by such a configuration, when the amount of first electronic money used by the user of the second terminal is small to a certain extent, a notification is prevented from being sent from the server to the third terminal. be able to. As a result, the effort required by the user of the third terminal to check the notification can be reduced.

Furthermore, this modification shows a configuration in which the e-money usage notification with notification is sent 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 sent from the server to the third terminal at a timing arbitrarily set by the user of the first terminal.

<Second modification (2)>
The user of the destination account may be able to check the usage history of electronic money with notifications by displaying information regarding the usage history of electronic money with notifications on the terminal 20 of the user of the destination account.

FIG. 2-2 is a diagram showing an example of information etc. stored in the storage unit 15 of the server 10 in this modification.
In addition to the programs and data described above, the storage unit 15 stores, by way of example and not limitation, payment history management data 157.

FIG. 2-3 is a diagram showing an example of the data structure of the payment history management data 157.
The payment history management data is data for managing the payment history of payments from regular electronic money balances without notifications and the payment history of payments from electronic money balances with notifications, and includes, by way of example and not limitation, payment ID , the application ID, the store name used, the payment date and time, and the payment amount are stored in association with each other.

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

The application ID of the terminal 20 (or the user of the terminal 20) that performed the payment (processing related to payment) is stored by the server 10 in the application ID.
In the store name used, the server 10 stores the store name of the store that requested the payment using the payment ID.
In 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.
In the payment amount field, the payment amount for the payment ID is stored by the server 10.

Note that instead of the name of the store used, the store ID of the store that requested the payment using the payment ID may be stored.

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, by way of example and not limitation, electronic money usage history data with notifications, in addition to the application ID, normal electronic money balance, and electronic money management data with notifications. be remembered.

In this data, the notified electronic money management data stores, by way of example and not limitation, a remittance management ID, notified party ID, notifier name, and notified electronic money balance 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 the notification destination ID, the name of the notifier, and the electronic money balance with notification.

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

E-money usage history data with notification is data related to the usage history of e-money with notification, and includes, by way of example and not limitation, a payment ID, a remittance management ID, the name of the store used, the date and time of use, and the amount used. is memorized.

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

Among the remittance management IDs stored in the notified electronic money management data, the remittance management ID corresponding to the notified electronic money balance used in the settlement of this payment ID is stored in the remittance management ID.

Among the store names stored in the payment history management data 157, the store name corresponding to this payment ID is stored in the store name field.

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.

Among the payment amounts stored in the payment history management data 157, the usage amount stores the amount of electronic money with notification used in the payment of this payment ID.

In this embodiment, the server 10 performs payment using the methods (a) to (f) described above.
Among these, in the cases of (b) and (d) described above, the payment is made from the notified electronic money balance, so the amount can be stored as the usage amount.

Although the details will be described later, it is also possible to make a payment 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 payment amount in the payment history management data 157 (FIG. 2-3).
Further, in this case, the amount of electronic money with notification used for the payment out of the payment amount can be stored in the usage amount of electronic money with notification usage history data (FIG. 2-4).

By way of example and not limitation, the account management data shown in the foreground of FIG. The remittance management ID "T01003" in the electronic money management data with notification, which is the account management data of A, is the account management data of the remittance source user B. ``2,000 yen'' was remitted through electronic money remittance with notification from B, and the electronic money balance with notification was ``2,000 yen.''
After that, using electronic money with notification, the payment IDs "P21053", "P29903", and "P32306" in the electronic money usage history data with notification are paid, 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. 4 is a diagram illustrating an example of a payment application notification screen displayed on the display unit 24 of the terminal 20B of the user B. FIG.

This notification screen displays electronic money usage information NU21 with notification.
This electronic money usage information with notification NU21 is provided with a "confirm usage history" button BT21 that includes the words "View usage history" for the user to check the usage history of the remittance with notification, by way of example and not limitation. It is being

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

Also, below that, the user can select to be able to view the e-money usage history with notifications for a predetermined period in the past, such as "1 week," "1 month," and "6 months," by way of example and not limitation. Possible selection information is provided. This selection information is similar to a tab, and is herein referred to as a "selection tab" for convenience.

In this example, when the selection tab corresponding to "1 week" is tapped, that selection tab is highlighted, and below it a list of electronic money usage history with notifications for the past 1 week is displayed. 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 Super.'' Payment is displayed. In other words, "1,600 yen" of the total amount of remittance with notification (the above-mentioned "2,000 yen") has been used.

Further, below that, a "confirm usage status" button BT22 including the words "View usage status" for the user to confirm the usage status of the electronic money with notification is provided. When this "usage status confirmation" button is tapped, the screen on the right side of FIG. 2-5 is displayed, by way of example and not limitation.
By way of example and not limitation, a transition graph of the notified electronic money balance corresponding to the period displayed when the "confirm usage status" button BT22 is tapped is displayed. In this example, in response to the e-money usage history with notifications for the past "one week" period that was displayed on the screen in the center of Figure 2-5 when the "Confirm Usage Status" button BT22 was tapped, -5 The screen on the right side displays a graph of changes in electronic money balances with notifications over the past "one week" period (in this example, "period from April 5, 2021 to April 11, 2021"). ing.

Also, below the transition graph, there is a "View usage history list" button BT23 that includes the words "View usage history list", and when this "View usage history list" button BT23 is tapped, , return to the screen in the center of Figure 2-5.

In this modification, by way of example and not limitation, various devices can execute the processes based on FIGS. 1-12 to 2-1.
As an example and not a limitation, the notified electronic money remittance result information may include a remittance management ID set by the notified electronic money remittance process.

In this process, the control unit 21 of the terminal 20 of the user of the notification destination account stores electronic money usage information with notification in the storage unit 28, by way of example and not limitation. Then, 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 usage information of the electronic money with notification stored in the storage unit 28 based on the user input. You can display it in

Note that, 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 transmits the electronic money usage history data request information with notification. The history data may be sent 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 may generate a transition graph based on the electronic money usage information with notification stored in the storage unit 28. can do.
Note that, unlike this, the control unit 11 of the server 10 generates a transition graph based on the electronic money usage history data with notification (Figure 2-4) and sends it to the terminal 20 of the user of the notification destination account. You may also do so.

In this modification, the server 10 collects information regarding the usage history of electronic money with a notification (an example of first electronic money, not a limitation) by a user of a remittance account (an example of a user of a second terminal, not a limitation). , shows a configuration in which the notification is sent to the terminal 20 (not limited, but an example of a third terminal) of the user of the notification destination account.
As an example of the effects of the modified example obtained by such a configuration, based on the fact that at least a portion of the first electronic money is used by the user of the second terminal, information regarding the usage history is transmitted to the user of the third terminal. I 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 required amount even when returning a product or service.
In this case, when refunding at least part of the electronic money with notification used by the user of the remittance account, the control unit 11 of the server 10 collects the payment ID sent from the store POS system 40 from the payment history management data 157. Identify. This is to confirm whether 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 payment ID. Identify.

If there is no remittance management ID corresponding to the specified payment ID, it means that the electronic money with notification was not used for payment. For this reason, the refund amount is usually added to the electronic money balance. If the payment is made using only regular electronic money, the payment amount corresponding to the specified payment ID in the payment history management data 157 becomes the amount to be refunded to the regular electronic money balance.

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

In this modification, when the server 10 refunds at least a part of the electronic money with a notification used by the user of the remittance account, the server 10 returns the remittance This figure 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 modified example obtained by such a configuration, when it is necessary to refund at least a part of the first electronic money used by the user of the second terminal, at least a part of the first electronic money is refunded. With the notification set, a refund can be made to the user of the second terminal.

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

The content described in the third embodiment is applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

<Display screen>
The left side of Figure 3-1 shows user A. who is the user of the remittance account. It is a figure which shows an example of the notification screen of the payment application displayed on the display part 24 of A's terminal 20A.
On this notification screen, user B. Notified electronic money receipt confirmation information NC31 for confirming receipt of notified electronic money from B is displayed.

This notified electronic money receipt confirmation information NC31 includes, by way of example and not limitation, the amount to be remitted (in this example, "1,000 yen"), a "receive" icon indicating that the recipient is on the receiving side, and the amount to be remitted. User B. receives and uses electronic money with a notification. An illustration showing that a notification will be sent to B, the date and time of sending the e-money receipt confirmation information with notification NC31 by the server 10, and "E-money with notification has arrived (usage status will be notified to B.B. )” and user B. B to user A. An illustration indicating that the remittance is to A and a ">Confirm details" button are displayed. In addition, a "reject" button BT31 for refusing to receive electronic money with a notification and a "receive" button BT32 for permitting the reception of electronic money with a notification are also 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 rather than a limitation.

When the "Reject" button BT31 is tapped, the user B. B to user A. The remittance of electronic money with notification to A will not be made. Also, user B. who is the user of the remittance source account. By way of example and not limitation, a screen like the one on the right side of FIG. 3-1 is displayed on the display unit 24 of the terminal 20B of B.
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. On the left side of the notification area, there is a notification indicating that the receipt of electronic money with notification has been rejected. Electronic money receipt refusal information ND31 is displayed.

Specifically, as an example and not a limitation, the date and time of transmission of this electronic money receipt refusal information with notification ND31 by the server 10, the text "Remittance of electronic money with notification to A.A failed", and the remittance. The attempted amount (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. 3-1, user B. B to user A. Electronic money with notification is remitted to A.

<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 notified electronic money remittance request information from the terminal 20B, the control unit 11 of the server 10 transmits the notified electronic money receipt confirmation information to the terminal 20A via the communication I/F 14 (S310).
In this case, the notification-attached electronic money receipt confirmation information may include, by way of example and not limitation, information indicating that a 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 displays the received notified electronic money receipt confirmation information on the display unit 24 (A310).

Thereafter, the control unit 21 of the terminal 20A determines whether or not to receive electronic money with a notification based on the fact that a user input to the input/output unit 23 consenting to receipt is made (A320). If it is determined not to receive it (A320: NO), the control unit 21 of the terminal 20A ends the process.

On the other hand, if it is determined to receive it (A320: YES), the control unit 21 of the terminal 20A transmits electronic money receipt consent 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 consent information with notification has been received from the terminal 20A (S320), and if it is determined that it has been received (S320: YES), the control unit 11 of the server 10 proceeds to S110. Transfer processing.

On the other hand, if it is determined that the notification has not been received (S320: NO), the control unit 11 of the server 10 transmits notification-attached electronic money reception refusal 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), and if it is determined that it has not been received (B310: NO), the control unit 21 of the terminal 20B Execute the steps.

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

Note that in the above process, the control unit 11 of the server 10 does not send the electronic money receipt confirmation information with notification to the terminal 20A in the step S310, but rather sends the electronic money remitted to the user of the terminal 20A in the step S120. Information indicating that a notification has been set for money may be included in the electronic money remittance result information with notification and transmitted to the terminal 20A.

Furthermore, in the above process, the control unit 21 of the terminal 20A may not execute the step A320, but may execute the step A330 after the step A310.

<Effects of the third embodiment>
In this embodiment, the server 10 stores notification-attached electronic money receipt confirmation information (not limited to notification setting information indicating that a notification is set for the first electronic money remitted to the user of the second terminal). (one example) is transmitted to the terminal 20 of the user of the remittance account through 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 a notification setting has been made for the first electronic money remitted to the user of the second terminal. .

In addition, in this case, based on the sending of notified electronic money receipt confirmation information, the server 10 transmits the notified electronic money receipt consent information (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 account based on the reception of the electronic money receipt consent 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 limitation, there may be cases where a malicious user of a remittance source account intentionally remits electronic money with a notification in an attempt to learn information such as the location of a user of a remittance destination account.
In addition, as an example and not a limitation, in the example of the parent and child mentioned above, the child who received the electronic money with a notification may remit the electronic money with a notification to another person using a tipping function, which is a type of gifting function. It is possible.

Therefore, when electronic money with a notification is used, a notification is sent to the terminal 20 of the user of the destination account before at least a part of the electronic money with a notification is used by the user of the destination account. It is also possible to notify the remittance 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 modification.
The left side of Figure 3-4 shows user A. who is the user of the remittance account. This 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, by way of example and not limitation, the wallet code information display area WCR1 of the code payment screen is displayed as shown in the center of FIG. 3-4. At least a part of the electronic money with notification is used by the remittance account (in this example, user A.A's account), so that the notification destination account (in this example, user B.B's account) Notified electronic money usage confirmation information NE31 is displayed, which is information that informs the user of the remittance destination account that an electronic money usage notification with notification will be made for the account).

Specifically, in this example, the text "This payment will be notified to B.B. Are you sure?" and the "Pay" button BT33 to accept the use of electronic money with notification and make the payment. , and a "stop" button T34 for refusing the use of electronic money with notification and stopping payment.

When the "Pay" button BT33 is tapped, the server 10 performs payment processing. Then, user B. who is the user of the remittance source account and the user of the notification destination account. By way of example and not limitation, the screen on the right side of FIG. 3-4 is displayed on the display unit 24 of the terminal 20B of B.
This screen is a notification screen for the payment application, and is for user B on the left side of the notification area. B to user A. Below the electronic money remittance result information NR2 with notification indicating that the remittance of electronic money with notification to A has been completed, user A. Notified electronic money usage information NU3 indicating that the notified electronic money was used by A is displayed.

FIG. 3-5 is a flowchart showing an example of the flow of processing executed by each device in this modification.
After S120, upon receiving the wallet payment request information from the terminal 20A, the control unit 11 of the server 10 transmits electronic money usage confirmation information with notification to the terminal 20A via the communication I/F 14 (S340). This e-money usage confirmation information includes, by way of example and not limitation, if at least a portion of the e-money with notification is used by the remittance account (in this example, the account of user A.A.). User A. informs that an e-money usage notification with notification will be sent to the account (in this example, user B.B's account). Information to be notified to A can be included.

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

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

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

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

Note that if it is set to preferentially use the electronic money balance with notification for payment, as described above, the control unit 11 of the server 10 executes the step of S340 after the step of S120. It can be done.
However, if the normal electronic money balance is set to be used preferentially for payment, if the control unit 11 of the server 10 does not know the payment amount, the control unit 11 uses the notified electronic money balance instead of the normal electronic money balance. It is not possible to determine whether or not to use the electronic money to make a payment, and it is not possible to determine whether or not it is necessary to transmit electronic money usage confirmation information with notification to the terminal 20A.

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

Further, as an example and not a limitation, the control unit 11 of the server 10 may send a notification based on the payment amount included in the payment request information received from the store POS system 40 before executing the step S140 in FIG. 1-13. Determine whether or not the electronic money balance with the balance will be used for payment. If it is determined that the electronic money balance with notification will be used for payment, the electronic money usage confirmation information with notification is sent 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 also do so.

In this modification, before at least a part of the electronic money with notification is used by the user of the remittance destination account, the server 10 collects the notification electronic money usage confirmation information (not limited to, the user of the second terminal A configuration is shown in which, before at least a portion of the electronic money is used, an example of third information regarding notification to the third terminal) is transmitted to the terminal 20 of the user of the remittance account.
As an example of the effects of the modification obtained by such a configuration, the third terminal may be notified that the third terminal is notified before at least a portion of the first electronic money is used by the user of the second terminal. Users of two terminals can be notified.

<Third modification (2)>
By way of example and not limitation, it is possible that the user of the remittance destination account does not like notifications being made to the user of the notification destination account.
Therefore, if the user of the remittance destination account has made settings not to receive remittances of electronic money with notification, the electronic money with notification may not be associated with the remittance destination account. Furthermore, in this case, the user of the remittance source account may be informed that remittance with notification is not possible.

Here, the following are examples of settings for not receiving remittances of electronic money with notifications (settings for refusing to receive electronic money with notifications).
(S1) Bulk rejection (S2) Block (S3) Blacklist (S4) Whitelist

(S1) By way of example and not limitation, the blanket rejection can be set to not receive electronic money remittances with notifications from all accounts (or all users).

(S2) By way of example and not limitation, the block may be set to not receive electronic money remittances with notifications from a specific account (or a specific user).

(S3) As an example and not a limitation, the blacklist is set so that it is possible to receive electronic money remittances with notifications from all accounts by default, but it is set to allow remittances of electronic money with notifications from specific accounts. You can set it so that it will not be received.

(S4) As an example and not a limitation, the whitelist is set as not being able to receive electronic money remittances with notifications from all accounts by default, but it is set to disable remittances of electronic money with notifications from specific accounts. You can set it to receive it.

Note that the (S3) blacklist and (S4) whitelist can also be considered as a type of implementation method for the (S2) block.
Specifically, by way of example and not limitation, (S2) blocking can be achieved by adding a specific account to a blacklist.
Conversely, by way of example and not limitation, (S2) blocking can also be achieved by deleting a specific account from the whitelist.

Furthermore, (S1) collective rejection may be treated 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 modification.
The left side of FIG. 3-6 is a diagram showing an example of the wallet setting screen of the payment application displayed on the display unit 24 of the terminal 20A, and the setting contents related to electronic money include, by way of example and not limitation, automatic charging to electronic money. Items such as ``Automatically charge'' to do this and ``Reject receipt of electronic money with notifications'' to refuse to receive electronic money with notifications from all accounts are displayed. 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. In this example, a state is shown in which the item "Reject receipt of electronic money with notification" is set to "ON". This is an example of a screen diagram of the above-mentioned (S1) bulk rejection.

In addition, in this example, the above item "Reject receipt of electronic money with notification" is set by user B. This may be replaced by refusing to receive electronic money with notification from B's account. In this case, the above-mentioned (S2) block is obtained.
Also, user B. Add user B's account to the blacklist, or add user B's account to the blacklist. A screen diagram may be configured that allows B's account to be removed from the whitelist. In this case, the above-mentioned (S3) blacklist or (S4) whitelist will be used.

If the "Settings" button BT35 at the bottom of the screen is tapped in this state, the screen in the center of FIG. 3-6 is displayed, by way of example and not limitation.
This screen is displayed for user B, who is the user of the remittance source account. 1-9 is a diagram showing an example of a remittance screen displayed on the display unit 24 of the terminal 20B of B, and 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 shows a display as shown on the right side of Figure 3-6, by way of example and not limitation. Ru.

Specifically, on the left side of the announcement area, user A. Notified electronic money receipt refusal information NF31 indicating that receipt of notified electronic money has been rejected by A is displayed.
This electronic money receipt refusal information with notification NF31 includes, by way of example and not limitation, the transmission date and time by the server 10 of this electronic money reception refusal information with notification, and the message ``Remittance of electronic money with notification to A.A failed. ", "(A.A's wallet settings are refusing to receive electronic money with notifications)", and the amount you tried to transfer (in this example, "1,000 yen"). A ">Confirm details" button is displayed.

In order to distinguish it from the above-mentioned electronic money receipt refusal information with notification, in this modification, it is conveniently referred to as "electronic money reception refusal information with notification."
On the other hand, since it may be easier for users of the payment application to understand if the terminology is unified, the term "rejection" is used in the example display screen.

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

In response to this, the control unit 11 of the server 10 performs notification-attached electronic money reception rejection setting processing (S360). In this case, the control unit 11 can be configured to block the remittance source account (in this example, the account of user B.B), by way of example and not limitation. The server 10 can prevent the remittance source account to be blocked from remitting electronic money with a notification to the remittance destination account.

Thereafter, the control unit 11 of the server 10 determines whether or not the remittance destination account has been set to refuse receipt of electronic money with notification (S370), and if it is determined that the setting has been completed (S370: YES). ), 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 moves the process to S130.
On the other hand, if it is determined that the settings have not been completed (S370: NO), the control unit 11 of the server 10 moves 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), and if it is determined that the notification has been received (B310: YES), this electronic money receipt refusal information with notification is displayed on the display unit 24 (B320). Then, the control unit 21 of the terminal 20B moves the process to B140 in FIG. 1-13.
On the other hand, if it is determined that the message has not been received (B310; NO), the control unit 21 of the terminal 20B shifts the process to B130.

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

In this modification, the server 10 performs the electronic money reception refusal setting process with notification based on the reception of notification electronic money reception refusal setting information from the terminal 20 of the user of the remittance account (not limited to the first An example of a case where the user of the second terminal is set not to receive remittances for which notifications are set), electronic money remittance processing with notifications (but not limited to, associating the first electronic money with the user of the second terminal) (Example), and send electronic money receipt refusal information with notification (an example of remittance non-receipt information indicating that remittance cannot be made to the user of the second terminal) to the terminal 20 (not limited) of the user of the remittance source account. , an example of the first terminal).
As an example of the effect of the modified example obtained by such a configuration, if the user of the second terminal has set up not to receive remittances for which notifications are set, the first electronic money is sent to the user of the second terminal. It is possible to prevent the first terminal from being associated with the first terminal, and to notify the user of the first terminal that remittance is not possible.

Furthermore, in this case, the settings for preventing the user of the remittance account from receiving remittances for which notifications have been set may include settings for blocking the user of the remittance source 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 a remittance for which a notification has been set, the user of the first terminal is blocked, It is possible to avoid receiving a remittance for which a notification is set from the user of the first terminal.

Furthermore, in this case, the settings for preventing the user of the remittance account from receiving remittances for which notifications have been set may include settings for blocking users of all accounts.
As an example of the effect of the modified example obtained by such a configuration, if the user of the second terminal does not want to receive a remittance for which a notification has been set, all users are blocked and the first terminal You can avoid receiving remittances for which notifications have been set from the terminal user.

<Fourth Example>
The fourth embodiment is an embodiment that distinguishes between electronic money with a notification and electronic money associated with a user of a remittance account for which no notification is set.

The content described in the fourth embodiment is applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

<Data structure>
FIG. 4-1 is a diagram showing an example of the data structure of the account management database 155E, which is an example of the account management database 155 in this embodiment.
In each account management data of this account management database 155E, electronic money management data with a notification includes, by way of example and not limitation, a remittance management ID, a remittance source ID, a notification destination ID, a notifier name, and a notification It is stored in association with the electronic money balance.

Unlike the account management data described above, a remittance source ID is additionally stored. This allows the server 10 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. Notified electronic money remittance result information NR41 indicating that the notified electronic money remitted to A has been received is displayed.

This notified electronic money remittance result information NR41 includes, by way of example and not limitation, the remitted amount (received amount), the "receive" icon, and the user B. An illustration showing that a notification will be sent to B, the date and time of transmission of this information by the server 10, and the words "Electronic money with notification has been received (usage status will be notified to B.B)", User B. B to user A. An illustration indicating that the remittance is to A and a ">Confirm details" button are displayed.

Note that user A. Since A has already received electronic money with a notification, unlike the electronic money receipt confirmation information with notification NC31 shown on the left side of Figure 3-1, the electronic money remittance result information with notification NR41 is not a limitation but an example. The expression ``I received electronic money with a notification'' is used.

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

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

Specifically, the text ``with notification'' to make a payment from the ``electronic money balance with notification'', the electronic money balance with notification (in this example, ``1,000 yen''), and the payment made from that balance are displayed. User B. An illustration indicating that a notification will be sent to B is displayed.
Also, below it are the words "No notification" for making payments from the "normal electronic money balance", the normal electronic money balance (in this example "500 yen"), and the electronic money transferred to the normal electronic money balance. A charge button CBT for charging is displayed.

There are radio buttons to the left of the text "With notification" and to the left of the text "No notification," allowing you to make payments from either the e-money balance with notification or the normal e-money balance. It is configured such that the user can select whether to do so by tapping the corresponding radio button. In this example, a state in which electronic money with notification is selected is shown. When a payment is made in this state, payment result information as shown on the left side of FIG. 4-3 is displayed, by way of example and not limitation.

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

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

Further, after the user selects the electronic money balance to be used for payment, at or before step A120 in FIG. The management ID can be sent to the server 10. By doing so, the server 10 can specify the notified electronic money balance selected by the user.

<Effects of the fourth embodiment>
In this embodiment, the server 10 associates electronic money with a notification (an example of first electronic money with a notification, not a limitation) and normal electronic money (not a limitation, but associates it with a user of a second terminal). The configuration is shown in which the control unit 11 performs control to distinguish and store the second electronic money (an example of the second electronic money).
As an example of the effect of the embodiment obtained by such a configuration, the first electronic money for which notification is set and the second electronic money associated with the user of the second terminal for which notification is not set. They can be managed separately, and user convenience can be improved.

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

In the above-mentioned parent-child example, the mother's account is assumed to be the remittance source account, but is not limited to this. 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 remittance 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 destination account. In this case, the father's terminal 20 becomes the third terminal.
In this case, when the child uses the electronic money with a notification sent from the mother to pay for shopping or the like using his or her own account, a notification can be sent to the father's account.

4-4 and 4-5 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this modification.
The left side of Figure 4-4 is the remittance screen of the payment application displayed on the display unit 24 of the terminal 20B, and the area at the bottom of the screen for setting the user of the remittance account shows "Receive usage notifications." , a slide button for setting e-money usage notifications to be sent to you with notifications, and an e-money usage notification with notifications to other users that says "Notify other users of usage" A slide button is provided for setting the settings to be performed. In this example, a state in which the slide button "Notify other users of use" is set to "ON" is shown.

Below that, a "set notification destination" button BT36 for setting a notification destination account is provided. Further, since the notification destination account has not yet been set, the "remittance" button BT2 at the bottom of the screen is displayed in a grayed out state, and remittance will not be performed even if tapped.

If the "Set Notification Destination" button BT36 is tapped in this state, the display shown in the center of FIG. 4-4 is displayed, by way of example and not limitation.
This screen is a remittance screen similar to the one on the left side of Figure 4-4, but at the top of the screen, the words "Please set notification destination" are displayed, and below that, the notification destination account (that user) is displayed by phone. A search box is provided to search by number.
Further, below that, notification destination accounts (those users) that have been set as notification destinations in the past are displayed as a history, and in this example, user C. The icon image of C and its user name are displayed. A check box is provided next to the user in association with the user, and by setting the check to "ON", the user can be set as a notification destination. In this example, user C. A state in which the check box 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 shown on the right side of FIG. 4-4 is displayed, by way of example and not limitation.
This screen corresponds to the screen on the left side of Figure 4-4, but since the notification destination account has been set on the screen in the center of Figure 4-4, User C. who was set as the notification destination on the screen. The icon image of C and its user name are displayed.

Furthermore, since the notification destination account has been set, the gray-out state of the "remittance" button BT2 has been canceled. When the "remittance" button BT2 is tapped in this state, the server 10 executes electronic money remittance processing with a notification, and the user B. B to user A. Electronic money with notification is remitted to A.

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

This notified electronic money remittance result information NR43 includes, by way of example and not limitation, the remitted amount (received amount), the "receive" icon, and the user C. An illustration showing that a notification will be sent to C., the date and time of transmission of this information by the server 10, and the words "Electronic money with notification has been received (usage status will be notified to C.C.)." User B. B to user A. An illustration indicating that the remittance is to A and a ">Confirm details" button are displayed.

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

In this case, the user C. who is set as the notification destination. Electronic money usage information with notification is transmitted to C's terminal 20C. As a result, a display as shown on the right side of FIG. 4-5 is displayed on the display unit 24 of the terminal 20C, by way of example and not 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 of the notification area. Specifically, user B. B to user A. The electronic money with notification sent to user A. Information indicating that it was used by A is displayed.

This modification shows a configuration in which the electronic money notification settings include settings 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 modified example obtained by such a configuration, it is possible to notify the user of a third terminal different from the first terminal that at least a 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 Figure 4-2, an example is shown in which payment is made by selecting either electronic money with a notification or regular electronic money remitted by one user. However, it is not limited to this.
It may be possible to select one of the electronic money with notifications and the normal electronic money sent by two or more users.

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

The electronic money remittance result information with notification NR45 with an older time is user B. B to user A. This is the remittance result information of electronic money with a notification of "1,000 yen" remitted to A, and the notification destination is user B. who is the user of the remittance source account. B is set.
The electronic money remittance result information NR46 with notification that has a newer time is the user C. C to user A. This is the remittance result information of electronic money with notification of "2,000 yen" remitted to A, and the notification destination is user C. who is the user of the remittance source account. C is set.

The right side of FIG. 4-6 shows a state in which the main menu screen of the payment application is then displayed. In the balance display area BR2 at the top of the screen, the words "Balance" are displayed, and below that, two electronic money balances with notification are displayed as electronic money balances with notification.
Specifically, user B. B to user A. The balance corresponding to the electronic money with a notification of "1,000 yen" remitted to A is displayed with the words "With notification" and user B. It is displayed together with an illustration showing that a notification will be sent to B. Similarly, user C. C to user A. The balance corresponding to the electronic money with notification of "2,000 yen" remitted to A is displayed with the words "With notification" and user C. It is displayed along with an illustration showing that notification will be sent to C.
Further, below that, the normal electronic money balance ("500 yen" in this example) and a charge button CBT are displayed.

When the "code payment" icon IC2 is tapped on this screen, by way of example and not limitation, a code payment screen of the payment application as shown on the left side of FIG. 4-7 is displayed.
On this code payment screen, user B. The balance of electronic money with notification sent from user B and user C. Information for selecting which balance to make the payment from, the balance of electronic money with notification sent from C or the balance of normal electronic money, is displayed.

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

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

The right side of FIG. 4-7 shows user C. who is the user of the notification destination account in this case. It is a figure which shows an example of the announcement screen displayed on the display part 24 of 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 NR48 with notification includes, by way of example and not limitation, the remittance amount (in this example, "2,000 yen"), the remittance date and time, and " It includes a "Remittance" icon, information illustrating the remittance source and remittance destination, and a ">Confirm details" button.

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

<Fourth modification (3)>
In the above embodiment, two or more accounts may be set as notification destination accounts.
In the above-mentioned parent-child example, the mother's account is assumed to be the remittance source account, but is not limited to this. 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 remittance 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, the mother's terminal 20 and the father's terminal 20, become the third terminals.
In this case, when a child uses electronic money with a notification sent from his mother to pay for shopping, etc. using his own account, a notification can be sent to both the mother's account and the father's account. .

<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 etc. (hereinafter referred to as "electronic money usage plan information with notification"). may be sent to the terminal 20 of the user of the notification destination account, thereby notifying the notification destination account that the electronic money with notification is about to be used.

Specifically, as an example and not a limitation, on the code payment screen on the right side of Figure 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 notification-attached electronic money usage intention information 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 based on the remittance source account, but the present invention is not limited thereto.
As described 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 one user is allowed to own multiple accounts, the user's first account may be the remittance source account and the user's second account may be the notification destination account. Then, the electronic money remittance setting with notification may or may not be performed using the second account (notification destination account) of this user. In this case, the electronic money remittance setting process with notification can be performed on the terminal 20 of this user.

Also, by way of example and not limitation, if a user can only own one account, the user of the notified account may 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 performed using the different user's account (notification destination account). In this case, the electronic money remittance setting process with notification can be performed on the terminal 20 of this different user.

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

The contents described in the fifth embodiment can be applied to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be 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 is a diagram showing an example of the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, and the balance display area BR2 includes user B. The electronic money balance with notification for which B is 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 it is tapped is shown. Then, by way of example and not limitation, the screen shown in the center of FIG. 5-1 is displayed.

This screen is the withdrawal screen of the payment application, and the message "Please specify the withdrawal destination" is displayed for user A. A's registered bank account (in this example, "LL Bank Ordinary XXXXXXX" is displayed. There is a radio button next to the bank account, and by setting the radio button to "ON", The bank account is configured to be able to be specified as a withdrawal destination. In this example, the radio button for "LL Bank Normal XXXXXXX" is shown as "ON".

Furthermore, below that, information about the electronic money balance with notification and information about the normal electronic money balance are displayed together with the words "Please specify the withdrawal source balance." By setting the radio button next to "With notification" to "ON", you can specify the e-money balance with notification as the withdrawal source balance, and select the radio button next to "Without notification" to "ON". ”, it is possible to specify the normal electronic money balance as the withdrawal source balance. In this example, user B. A state is shown in which the radio button for the electronic money balance with notification of the remaining amount "1,000 yen" that is set to be notified to B is set to "ON".

In this state, when the "determination" button BT51 at the bottom of the screen is tapped, the withdrawal destination and 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 the remittance screen of the payment application, and in this example, it shows that "1,000 yen", which is the entire amount of the electronic money balance with notification determined as above, has been input. has been done. In this state, when the "withdrawal" button BT52 at the bottom of the screen is tapped, the server 10 performs the withdrawal process. As a result, the display unit 24 of the terminal 20A displays a display as shown on the left side of FIG. 5-2, by way of example and not limitation.

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

The right side of FIG. 5-2 shows user B. who is the user of the notification destination account in this case. FIG. 3 is a diagram showing an example of a notification screen displayed on the display unit 24 of the terminal 20B of the user B. FIG.
User A. Notified electronic money withdrawal information NW51 indicating that notified electronic money has been withdrawn by A is displayed. Specifically, along with the withdrawal date and time, the words "The electronic money sent to A.A. has been withdrawn." are displayed, and below that, the withdrawal amount (in this example, "1,000 yen") is displayed. ) and a ">Confirm details" button are displayed.

<Processing>
In the processing in this embodiment, in the processing of the various flowcharts described above in FIGS. 1-12, 1-13, etc., the control unit 21 of the terminal 20A controls the input/output unit 2 It is determined whether a user input requesting a withdrawal is made. If it is determined that the withdrawal has been made, the withdrawal request information including, by way of example and not limitation, the application ID, the withdrawal destination, the withdrawal source balance, and the withdrawal request amount, is transferred to the server 10 via the communication I/F 22. Send to.

By way of example and not limitation, the control unit 11 of the server 10 determines whether withdrawal request information has been received from the terminal 20A via the communication I/F 14 after the step of S170. If it is determined that the payment has been received, the withdrawal process is performed. Specifically, the withdrawal request 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, an electronic money transfer is performed and the requested withdrawal amount is remitted to the server of the financial institution to which the withdrawal is to be made (server of the financial institution).

Thereafter, the control unit 11 of the server 10 transmits withdrawal completion information to the terminal 20A via the communication I/F 14.
Further, when the withdrawal source balance is an 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.

<Effects of the fifth embodiment>
In this embodiment, when at least a part of the electronic money with notification is withdrawn by the user of the remittance destination account, the server 10 transmits the notification electronic money withdrawal information to the terminal 20 of the user of the notification destination account. A configuration for transmitting by F14 is shown.
As an example of the effect of the embodiment obtained by such a configuration, when at least a part of the first electronic money is withdrawn by the user of the second terminal, the user of the third terminal may be informed of the details. can.

If it is possible to withdraw e-money with notifications, it can be thought that the settings related to notifications will be canceled, and as a result, notifications will no longer be sent to the notification destination account even if withdrawals are made. . As a result, the user of the remittance account may be allowed to use it freely.
However, as in this embodiment, when electronic money with a notification is withdrawn, a notification is sent to the notification destination account, thereby preventing the above situation.

<Fifth modification (1)>
In view of the above problem, it is also possible to disable withdrawal of electronic money with notification as one method different from the fifth embodiment.

FIG. 5-3 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20A in this modification.
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 modification, when the "OK" 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, by way of example and not limitation.

This screen is the remittance screen of the payment application, but the display is different from the one on the right side of Figure 5-1. Specifically, as the e-money withdrawal non-withdrawal information with notification, user A. Information regarding the withdrawal source balance specified by A is displayed.

In the processing in this modified example, in the processing of the various flowcharts described above such as FIGS. 1-12 and 1-13, the control unit 21 of the terminal 20A controls the input/output unit 2 It is determined whether a user input requesting a withdrawal is made. If it is determined that the withdrawal has been made, the withdrawal request information including, by way of example and not limitation, the application ID, the withdrawal destination, the withdrawal source balance, and the withdrawal request amount, is transferred to the server 10 via the communication I/F 22. Send to.

By way of example and not limitation, the control unit 11 of the server 10 determines whether withdrawal request information has been received from the terminal 20A via the communication I/F 14 after the step of S170. If it is determined that the withdrawal request information has been received, it is determined whether the withdrawal source balance included in the received withdrawal request information is an electronic money balance with notification. Then, if it is determined that the electronic money balance with notification is in the balance, information on the non-withdrawal of electronic money with notification 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 electronic money withdrawal disable information with notification to the terminal 20B of the user of the remittance source account in addition to the terminal 20A.

Further, upon receiving the withdrawal request information for the electronic money balance with notification, the control unit 11 of the server 10 transmits inquiry information to the terminal 20B of the user of the remittance source account asking whether or not to approve the withdrawal. Good too. In this case, by way of example and not limitation, when the user of the remittance source account agrees to withdrawal based on the input (user operation, etc.) to the input/output unit 23 of the terminal 20B, the withdrawal process of the electronic money balance with notification is executed. be done.

In this modification, when the server 10 receives withdrawal request information for withdrawing at least a part of the electronic money with notification from the terminal 20 of the user of the remittance account, the information regarding the non-withdrawal of electronic money with notification ( This is not a limitation, but shows a configuration in which an example of withdrawal prohibition information) is transmitted to the terminal 20 of the user of the remittance destination account.
As an example of the effects of the embodiment obtained by such a configuration, when the communication unit receives information regarding withdrawal of at least a part of the first electronic money using the second terminal, it is possible to receive information indicating that withdrawal is not possible. The user of the second terminal can be notified.

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

Note that, similarly to 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 sends electronic money withdrawal disable information with notification to the terminal 20A. You may also send it.

<Sixth Example>
A sixth embodiment is an embodiment in which a messaging application is used instead of or in addition to a payment application.

The content described in the sixth embodiment is applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

By way of example and not limitation, the messaging application can be configured so that accounts registered as friends on the server 10 can have one-on-one conversations with each other. Further, by way of example and not limitation, a group including two or more accounts may be formed, and the accounts included in the group may be configured to have a group talk with each other.

<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 Figure 6-1 is the screen of a chat room (an example of a chat room, not a limitation) of a messaging application (an example of a chat application, not a limitation). ``Messaging App'' is displayed. Further, on the top right side of the screen, an icon image and a user name (user AA in this example) in the messaging application of the user of this terminal 20A are displayed.

Further, below that, a chat room name display area is configured that shows the chat room name in the messaging application, and in this example, the chat room name is user B. "<B.B" is displayed, which includes the characters "B.B" indicating that it is a one-on-one talk room with B, and a "<" button to return to the previous screen.

Below that, a talk area is configured. In the chat area, by way of example and not limitation, 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. Also, by way of example and not limitation, content sent by you will be displayed in a speech bubble from the right edge of the chat area, and content sent by the other party will be displayed in association with that user's icon image and user name at the left edge of the chat area. It is configured to be displayed as a speech bubble.

In this example, user B. Text content TC61 urging the purchase of a reference book sent from B and electronic money remittance result content NRC61 with notification sent from a payment application are displayed.

The notified electronic money remittance result content NRC61 is provided by user B. by way of example and not limitation. This content indicates that the electronic money with notification for "1,000 yen" remitted from user B has been received, and user B. It is shown that B is set.
Also, on the right side of the talk area, user A. Text content TC62 expressing gratitude from A as the sender is displayed.

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

The right side of FIG. 6A is a diagram showing an example of the chat room screen of the messaging application displayed on the display unit 24 of the terminal 20B in this case.
This talk room screen shows that the talk partner is user A. This is a one-on-one talk room screen with user A. On the left side of the talk area, electronic money remittance result content NRC62 with a notification sent from the payment application is displayed, and below that is displayed the user A. The text content TC62 expressing gratitude mentioned above is displayed, with A as the sender.
Below that, user A. A notification-attached electronic money usage content NUC 62 indicating that the notification-attached electronic money was used by A is displayed.

<Processing>
By way of example and not limitation, the processing in this embodiment includes providing the server 10 with a function of providing a messaging service using a messaging application, and combining the processing described in the first to fifth embodiments with the processing of the messaging service. This can be achieved by

<Effects of the sixth embodiment>
In this embodiment, the server 10 has a configuration in which the control unit 11 controls the transmission of 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. It shows.
As an example of the effect of the embodiment obtained by such a configuration, content regarding the use of at least a portion 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. This can be notified to the user of the third terminal in an easy-to-understand manner by displaying the following.

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

FIG. 6-2 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modification. Here, an example of a display screen will be described when a group "family" is composed of a mother's account, a father's account, and a child's account, using the above-mentioned parent-child example. User A. Let A be a "child" and user B. B is the "mother", and user C.B is the "mother". Explain C as a "father."

The left side of FIG. 6-2 shows an example of a screen of a group talk room for the group "family" displayed on the display unit 24 of the child's terminal 20A. On this group talk room screen, user B. Text content TC61 prompting the child to purchase the reference book mentioned above, whose sender is the account of user B, electronic money remittance result content with notification NRC63 whose remittance is the payment application, and user A.B's account as the sender. The text content TC62 whose transmission source is A, and the user C. Text content TC64 warning children not to buy and eat from C as the sender is displayed.

The electronic money remittance result content NRC63 with notification is provided, by way of example and not limitation, for user B. This content indicates that electronic money with a notification for ``1,000 yen'' remitted from B has been received, and indicates that the group ``Family'' has been 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 electronic money usage content with notification is transmitted to the terminals 20 (terminal 20A, terminal 20B, terminal 20C) of all users included in the group "family".

Note that user A. It may be considered undesirable to send notifications to A. Therefore, unlike the above, the electronic money usage content with notification may be sent to the terminal 20 of the user of the account other than the remittance destination account among the accounts included in the group.

In the above state, a function for making a code payment by the payment application is called based on a user input (not shown), and the code payment described above causes user B. As a result of executing the payment process using the electronic money with notification sent from B, the screen in the center of FIG. 6-2 is displayed, by way of example and not limitation. This screen is similar to the screen in the center of Figure 6-1.

The right side of FIG. 6-2 is a diagram showing an example of a group talk room screen of the messaging application displayed on the display unit 24 of the terminal 20C in this case.
On this group talk room screen, electronic money remittance result content NRC64 with a notification sent from the payment application is displayed on the left side of the talk area, and below it is displayed user A. The text content TC62 whose transmission source is A, and the user C. Text content TC64 whose transmission source is C is displayed.

Below that, user A. A notification-attached electronic money usage content NUC 64 indicating that the notification-attached electronic money was used by A is displayed.

The processing in this modification can be implemented in the same way as the processing in the sixth embodiment by targeting a group of messaging applications.
In this case, by way of example and not limitation, the control unit 11 of the server 10 can transmit electronic money usage content with notification to the terminals 20 of each user included in the group, as described above.
Note that, different from this, the control unit 11 of the server 10 may not transmit the electronic money usage content with notification to the terminal 20 of the user of the remittance account.

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

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

On this OA talk room screen, on the left side of the talk area, the above-mentioned electronic money remittance result content NRC62 with notification and electronic money usage content NUC62 with notification are displayed in chronological order as content sent from the payment application. Displayed.

In this state, as an example and not a limitation, based on the fact that the electronic money usage content NUC62 with notification is tapped, a function selection area FSR is displayed above it as a display area where the user can select a function to be executed based on this content. is displayed. In this example, the function selection field includes, by way of example and not limitation, a "Copy" function to copy the tapped content, a "Transfer" function to forward the tapped content, and a "Reply" to the tapped content. It includes multiple functions such as the "Reply" function and the "Announcement" function that displays content in the chat 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 center of FIG. 6-3 is displayed. This screen shows that the other party to talk with is user A. This is a one-on-one talk room screen with user A, and user B. Text content TC61 whose transmission source is user A. Text content TC62 whose transmission source is A is displayed in the talk area.
Further, a keyboard area and a reply area are displayed on the keyboard area so as to overlap part of the talk area.

The reply area includes, by way of example and not limitation, information related to the electronic money usage content NUC62 with notification, which is the source content shown on the screen on the left side of Figure 6-3, and at least one piece of information included in the electronic money usage content NUC62 with notification. The citation information display area QIR where the first citation information quoting the information of the section is displayed, and the information related to the electronic money usage content NUC62 with notification which is also the quoting source content and at least the information included in the electronic money usage content NUC62 with notification. A content input area CIR is included for the user to input content to be transmitted together with second quotation information that quotes part of the information.
In this example, a 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, the text "The electronic money remitted to A.A. was used" is displayed as part of the information included in the electronic money usage content NUC62 with notification. Displayed.

Note that the first citation information displayed in the citation information display area QIR may or may not include information regarding the source (sender) of the content that is the citation source.
The information regarding the source (sender) of the content may include, by way of example and not limitation, the name of the source (account name, user name), icon image, etc.

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

Further, the content input area CIR below includes a content input field for the user to input content, and a send button for transmitting the input content together with quotation information.
In this example, user B. A state in which the text "You haven't bought manga, right?" has been input into the content input field and the send button has been tapped is shown by B.

Then, by way of example and not limitation, the screen on the right side of FIG. 6-3 is displayed.
Specifically, user A. Below the text content TC62 whose source is user B. The content sent from B is the second quotation information including the icon image and name (Payment App) of the payment application that was displayed as the quotation information on the screen in the center of Figure 6-3, and the second quotation information on the screen in the center of Figure 6-3. User B on the screen. Quote response content (reply content) QC61 inputted by B, including "You haven't bought the manga, right?" is displayed. Also, below that, user A. Text content TC66 including the text ``I bought a proper reference book'' sent from A is displayed.

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

In addition, in this example, as an example and not a limitation, the content NUC62 using electronic money with a notification, which is the source content, includes a ">Confirm details" button, but the quotation response content sent to the user with whom the conversation is being made QC61 does not include a ">Confirm details" button. One way of thinking about this is that it is appropriate to limit the ability to check "detailed information" such as the usage history of e-money with notifications to the users of the notification destination accounts. be.
However, the present invention is not limited to this, and a ">Confirm details" button may be included in the quotation response content QC61.

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

Further, 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.
Further, unlike the above example, information regarding the transmission source (sender) of the content may not be displayed in the quotation 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 modification.
The left side of Figure 6-4 is a diagram showing an example of a group talk room screen where the talk partner is a group "family", and on the left side of the talk area, there is an electronic money transfer with a notification sent from a payment application. Result content NRC64 and user A. Text content TC67 including the text "Thank you for the small gift!" sent by A, and user A. Notified electronic money usage content NUC64 based on the use of the notified electronic money remitted to A is displayed in chronological order.

In this state, as an example and not a limitation, based on the fact that the electronic money usage content NUC64 with notification is tapped, the user can select a function to be executed based on the electronic money usage content NUC64 with notification at the bottom. 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, a "regular remittance setting" function for setting a regular remittance, by way of example and not limitation. When this "regular remittance setting" function is tapped, the screen in the center of Figure 6-4 is displayed, as an example and not a limitation.

This screen is an example of a regular remittance setting screen in a payment application, and includes, by way of example and not limitation, a remittance date setting field for setting the remittance date, a remittance account setting field for setting the 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 column. In this example, a state in which "remittance is made on the 1st of every month" is set is shown. Additionally, by tapping the "Change" button on the right side, it is possible to change the remittance date of electronic money with notification.

The remittance destination account setting field displays information regarding the set remittance account. In this example, user A. The icon image of A and its user name (A.A) are displayed.

Information regarding the set notification destination account is displayed in the notification destination account setting field. In this example, a state in which the group "Family" in the messaging application is set as the notification destination account is shown. Additionally, the notification destination account can be changed by tapping the "Change" button on the right side.

The remittance amount setting field displays the set remittance amount of electronic money with notification. In this example, a state where "3,000 yen" is set is shown. Furthermore, the remittance amount can be changed by tapping the "Change" button on the right side.

In this state, when the "Settings" button BT61 at the bottom of the screen is tapped, the screen on the right side of FIG. 6-4 is displayed, by way of example and not limitation.
This screen corresponds to the talk room screen on the left side of Figure 6-4, and under the e-money usage content NUC64 with notification on the talk room screen on the left side of Figure 6-4, there is content sent from the payment application. , regular remittance setting content NSC61 indicating that regular remittance settings have been made (or that regular remittance settings have been changed) is displayed. The regular remittance setting content NSC61 indicates that the remittance amount of the regular remittance has been reduced from "5,000 yen" to "3,000" yen.

Also, below that, user B. Text content TC68 including the text "I'm buying a game, so I'll reduce my expenses from next month" sent by user A. Text content TC69 including the text "Huh, why?" whose transmission source is A is displayed.

<Processing>
In this embodiment, the control unit 21 of the terminal 20 (by way of example and not limitation, the terminal 20 of the user of the remittance source account) controls the content of one content in the chat room of the messaging application displayed on the display unit 24 of the own terminal 20. (By way of example and not limitation, content using electronic money with notification) is input, and a function selection area is displayed corresponding to the content.

As an example and not a limitation, when the "reply" function is selected, the control unit 21 displays a quotation information display area including the first quotation information and a content input area. Furthermore, the keyboard is displayed based on the detection of an operation on the content input area. Then, the input content inputted by the user via the keyboard is displayed in the content input area, and when the send button is operated, the quotation response content including the second quotation information and the input content is displayed on the own terminal 20. Display it in the talk room. Further, the second citation 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 quotation response content based on the received 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 quotation response content in the talk room of the display unit 24 of the own terminal 20.

Further, by way of example and not limitation, when the "regular remittance setting" function is selected, the control unit 21 executes the payment application and causes the display unit 24 to display a regular remittance setting screen. Then, setting information regarding regular remittances set based on user 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 in the talk room of the display unit 24 of the own terminal 20.

In this embodiment, the terminal 20 of the user of the notification destination account is the terminal 20 of the user of the remittance source account (an example, not a limitation, where the third terminal is the first terminal), and the talk room is the remittance source account. This includes a user of an account (an example, but not a limitation, of a user of a first terminal) and a user of a remittance account (an example, but not a limitation, of a user of a second terminal). Then, when an input is made to electronic money usage content with notifications displayed in the chat room, the server 10 displays information for periodic remittance settings (not limited to, notification settings for each set period). A configuration is shown in which an example of information for inputting the amount of electronic money to be remitted to the user of the second terminal is transmitted via the communication I/F 14 to the terminal 20 of the user of the remittance source account.
As an example of the effect of the embodiment obtained by such a configuration, when an input to a notification displayed in a chat room including a user of the first terminal and a 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 electronic money for which notification is set to be transferred to the user of the second terminal for each set period. can do.

<Seventh Example>
The seventh embodiment is an embodiment that makes it possible to impose restrictions on the use of electronic money balances with notifications.

The content described in the seventh embodiment is applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be 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.
In addition to the application ID and the normal electronic money balance, each account management data included in the account management database 155F includes, by way of example and not limitation, restricted electronic money management data and restricted electronic money usage history data. , electronic money usage restriction management data are stored.

The restricted electronic money management data is data for managing information regarding restricted electronic money associated with the account of this application ID. In this data, the restricted electronic money management data includes, by way of example and not limitation, a remittance management ID, a remittance source ID, a notified party ID, a notifier's name, and a restricted electronic money balance, which are stored in association with each other. be done.

The remittance management ID is an ID for uniquely identifying a remittance of restricted electronic money. As an example and not a limitation, the remittance management ID is an ID that is used to uniquely identify a remittance of restricted electronic money. Set and memorized.
By way of example and not limitation, user B. User A. from the same account of B. Even if restricted electronic money is transferred to the same account of A, different IDs are set for each account.

The remittance source ID is identification information for identifying the account that remitted the restricted electronic money to the account with this application ID.As an example and not a limitation, the remittance source ID is the application of the account (remittance source account) that remitted the restricted electronic money. The ID is stored.

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

The notifier name is the 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 destination ID.

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

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

The electronic money usage restriction management data is data for managing (prescribing) the usage restrictions of restricted electronic money, and includes, as an example and not a limitation, a remittance management ID, a usability flag, and the end date and time of usage status. are stored in association with each other.

The remittance management ID is information for identifying restricted electronic money that is subject to restrictions on the use of the restricted electronic money balance in the electronic money usage restriction management data, and is stored in the restricted electronic money management data as an example and not as a limitation. Among the remittance management IDs that are sent, a remittance management ID for which usage restrictions have been set by the sender is stored, by way of example and not limitation.

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

As an example and not a limitation, if the limited electronic money balance is usable, the usable state end date and time stores the date and time when it changes from usable to unusable.

In addition, in this data, as an example, not a limitation, as a restriction on the use of the electronic money balance with notification, whether or not it can be used (paid) within a certain time limit is exemplified, but it is not limited to this. Examples of electronic money usage restriction management data when applying various restrictions will be described later.

<Display screen>
7-2, FIG. 7-3, and FIG. 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 a remittance screen of a 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, there are provided information indicating the user of the remittance account described above, as well as a slide button for selecting whether or not to receive the aforementioned electronic money usage notification with notification. Further, below that, a slide button is provided for selecting whether or not to limit the use of the electronic money balance with notification.

Further, below this, a "Set Usage Restrictions" button BT71 is provided for setting restrictions on the use of the restricted electronic money.
In this example, the explanation will be given assuming that a "time limit" has already been set as the content for restricting the use of restricted electronic money.

Here, a state is shown in which both slide buttons are turned "ON" and the "remittance" button BT2 is tapped.
The center of FIG. 7-2 is a diagram showing an example of a payment application notification screen 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 indicates that user B. User B is notified of the use of electronic money with a notification, and user B must use the restricted electronic money. It is shown that B's permission is required.
Also, when using restricted electronic money, user B. To the right of the illustration showing that B is notified of the use of e-money with notification, there is a mark (hereinafter referred to as "restriction") similar to a caution mark/construction mark indicating that the use of e-money with notification is restricted. RMK is displayed.

The right side of FIG. 7-2 is a diagram showing an example of a code payment screen displayed on the display unit 24 of the terminal 20A.
In this code payment screen, the upper part of the wallet code information display area WCR1 where the balance is displayed includes information about the restricted electronic money balance and information about the unrestricted electronic money balance (that is, the normal electronic money balance). Displayed.
The balance indicated as "restricted" is a restricted electronic money balance, but as mentioned above, in order for user B to use the restricted electronic money. B's permission is required, and user A.B's permission is required. A is user B. Permission has not yet been obtained from B. For this reason, the display part of information regarding the balance of restricted electronic money is grayed out, and user A. Even if A taps the radio button provided to the left of the word "Restricted", it cannot be turned on.

The left 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 20B, and on the left side of the notification area, there is a restriction indicating that restricted electronic money has been remitted. Electronic money remittance result information RR72 is displayed. The restricted electronic money remittance result information RR72 is provided with a restricted electronic money use permission button BT72 for permitting the use of remitted electronic money with a notification only for a set time (in this example, "60 minutes"). .

The right side of FIG. 7-3 is a diagram showing an example of the payment application notification screen displayed on the display unit 24 of the terminal 20A in this case.
Below the restricted electronic money remittance result information RR71 in the announcement area, user Restricted electronic money use permission information RP71 indicating that use of restricted electronic money is permitted by B is displayed.
Note that in this example, the period during which the restricted electronic money can be used is not limited to the period in which the restricted electronic money can be used. This can be the period from when the server 10 receives the approval information) until a set time (in this example, "60 minutes") has elapsed.

FIG. 7-4 is a diagram showing an example of a code payment screen displayed on the display unit 24 of the terminal 20B.
User B. As the use of restricted electronic money is permitted by B, the display part of the information regarding 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 Figure 7-2 is grayed out. User A. A can tap the radio button provided to the left of the words "Restricted" to turn it "ON." 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 Figure 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 limited electronic money remittance setting process as a setting process regarding the restricted electronic money remittance based on the user input to the input/output unit 23 (B410).

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

Upon 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 controls the account management data included in the account management database 155F from the user A. The account management data corresponding to the account of A (or terminal 20A) is updated based on the setting information included in the notified electronic money remittance request information received from terminal 20B.
Further, the control unit 11 of the server 10 sets a flag of "impossible" as an initial value, as an example and not a limitation, as a usability flag of the electronic money usage restriction management data.

Thereafter, the control unit 11 of the server 10 transmits restricted electronic money remittance result information, which is information regarding the restricted electronic money remittance result, to the terminal 20A and the terminal 20B through the communication I/F 14 (S420). Note that the restricted electronic money remittance result information may include the remittance management ID generated in the restricted electronic money remittance process.
When the control unit 21 of the terminal 20A and the control unit 21 of the terminal 20B receive the restricted electronic money remittance result information from the server 10, they display the information on the display unit 24, respectively (A410, B430).

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

When receiving the limited electronic money use approval information from the terminal 20B through the communication I/F 14 (S430: YES), the control unit 11 of the server 10 executes the limited electronic money use approval process (S440).
Specifically, by way of example and not limitation, the control unit 11 of the server 10 controls the remittance specified by the restricted electronic money usage approval information based on the electronic money usage restriction management data in the account management data included in the account management database 155F. Change the usability flag of the management ID from "disabled" to "possible". Further, a predetermined date and time (60 minutes after receiving the restricted electronic money use approval information, as an example and not a limitation) is stored as the usable state end date and time.

When the limited electronic money usage approval information is not received from the terminal 20B through the communication I/F 14 (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 specifies, by way of example and not limitation, the balance to be paid based on the user input to the input/output unit 23, etc. The payment balance selection information including the remittance management ID for the transaction is transmitted to the server 10 via the communication I/F 22 (A420). Note that when it is selected to perform payment from the normal electronic money balance, information for selecting payment from the normal electronic money balance may be included as the payment balance selection information. Further, the control unit 21 of the terminal 20A does not need 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 the step A420 at the same time as the step A120, or before or after the step A120. In this case, the control unit 11 of the server 10 may not transmit the wallet code information to the terminal 20A if the usability flag of the restricted electronic money balance designated as the balance for payment is "unavailable". .

When the communication I/F 14 receives payment request information from the store POS system 40 and payment balance selection information 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 determines, by way of example and not limitation, that the usability flag of the restricted electronic money balance designated as the balance to be paid is "possible" based on the payment balance selection information. If there is, and the usable state end date and time has not passed, the specified restricted electronic money balance is used to determine whether or not payment is possible. If the payment is successful, the control unit 11 of the server 10 subtracts the payment amount from the designated restricted electronic money balance.
If the usability flag of the restricted electronic money balance designated as the balance to be paid is "unavailable" or if the end date and time of the usable state has passed, the control unit 11 of the server 10 controls the designated restriction. The payment using the electronic money balance with the attached card will be judged as a failure. Note that 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 "unavailable" and sets the usable state end date and time. may be deleted.
Note that if the payment using the restricted electronic money balance fails due to insufficient balance, usage restrictions, etc., the control unit 11 of the server 10 may switch to the normal electronic money balance and execute the payment.
When the normal electronic money balance is specified as the balance for payment, the control unit 11 of the server 10 executes the payment 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 sets the electronic money balance with notification to a limit based on the methods (a) to (f) described in the first embodiment. It is also possible to replace this with the electronic money balance, select the balance to be paid, and perform limited payment processing.

After S150, the control unit 11 of the server 10 determines whether or not the restricted electronic money balance was used for payment in the restricted payment process of S450 (S460).
If it is determined that it has not been used (S460: NO), the control unit 11 of the server 10 ends the process.
On the other hand, if it is determined that the electronic money 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 ends the process.

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

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

In this case, as an example and not a limitation, no data is stored in the notification destination ID and notifier name of the restricted electronic money management data (NULL is stored as an example and not a limitation). Even if the restricted electronic money balance is used in the restricted payment process, 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, use of restricted electronic money balances may always be permitted in restricted payment processing.
In this case, as an example and not a limitation, 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 usability flag of the electronic money usage restriction management data can be permanently set to "enabled", and the end date and time of the usable state can be set sufficiently far into the future (as an example and not a limitation, 5 billion years from now). ) may be set. At this time, it is equivalent to there being no restriction on the use of the restricted electronic money balance in the restricted payment process.

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

<Seventh modification (3)>
In the above embodiment, a normal electronic money balance and a restricted electronic money balance are distinguished, but the invention is not limited to this. As an example and not a limitation, a normal electronic money balance may be used as a restricted electronic money balance with no notification party ID/notifier name in restricted electronic money management data, and with no usage restrictions in restricted payment processing in electronic money usage restriction management data. good. In this case, in the restricted electronic money management data, by way of example and not limitation, the remittance management ID can be an ID generated when charging electronic money, and the remittance source ID can be the same as the application ID.

That is, "restricted electronic money balance" in a broad sense can include the following concepts.
(1) "Restricted e-money balances with notifications" that have restrictions on their use and that notify a third party, such as the remitter, when used.
(2) "Restricted e-money balance without notification" where there are restrictions on usage, but a third party is not notified even if it is used.
(3) "Unrestricted e-money balance with notification (electronic money balance with notification)" where there are no restrictions on usage and a third party will be notified when used (there is a restriction that notification will be made when used) .
(4) There are no restrictions on usage, and a third party will not be notified even if it is used (there are no restrictions) "Unrestricted electronic money balance without notification (normal electronic money balance)".

<Seventh modification (4)>
In the above embodiment, an example was shown in which prior approval of the remitter is required 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, for 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 business type or type of business.

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 stores, by way of example and not limitation, a remittance management ID and a prohibited store industry in association with each other.

The prohibited store business type is an item for storing the business type/business type in which use of the restricted electronic money balance is prohibited, and is set and stored based on the input by the sender, by way of example and not limitation.
In Figure 7-7, as an example and not a limitation, the restricted electronic money balance managed with the remittance management ID "T01003" is classified into the industries of "Apparel", "Furniture/Home Appliances", and "Izakaya/Pub". It is remembered that it cannot be used in stores or services.

7-8 to 7-9 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this modification.
FIGS. 7-8 are diagrams illustrating an example of a display screen regarding another example of restricting the use of restricted electronic money.
The left side of FIG. 7-8 is a diagram showing an example of a 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 "Remittance" button at the bottom of the screen is grayed out because the restrictions on the use of restricted electronic money have not yet been set.
When the aforementioned "Set Usage Restrictions" button BT71 is tapped, a display as shown in the center of FIG. 7-8 is displayed.

This screen is configured so that it is possible to set, as an example and not a limitation, the type of business of the store where the use of restricted electronic money is prohibited, as content for restricting the use of restricted electronic money.
In this example, multiple store industries such as "Convenience Store,""Supermarket/HomeCenter,""Apparel,""Furniture/HomeAppliances,""Izakaya/Pub," and "Coffee Shop" each have illustrations and industry names. Listed in the Contains box.

When you tap a box in which you want to prohibit the use of restricted electronic money, a checkmark is placed in association with that box, not as a limitation but as an example. By tapping the "Settings" button BT73 at the bottom of the screen, it is possible to set the business type with a check mark as the business type for which the use of restricted electronic money is to be restricted.

In this example, user B. B shows that the three industries "Apparel," "Furniture/Home Appliances," and "Izakaya/Pubs" are tapped and marked with check marks as industries for which the use of restricted electronic money is to be prohibited. By tapping the "setting" button BT73 in this state, the screen on the right side of FIG. 7-8 is displayed, by way of example and not limitation.

This screen is the 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 industry type set on the screen in the center 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 three industries are displayed: "Apparel," "Furniture/Home Appliances," and "Izakaya/Pub." Additionally, since the industries that prohibit the use of restricted electronic money have been set, the "Remittance" button on the left screen in Figure 7-8 is no longer grayed out. 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 payment application notification screen displayed on the display unit 24 of the terminal 20A in this case.
On the left side of the notification area, restricted electronic money remittance result information RR73 is displayed. This limited electronic money remittance result information includes user B. It includes illustrations corresponding to industries that prohibit the use of restricted electronic money set by B. Specifically, icons corresponding to three industries are displayed: "Apparel,""Furniture/HomeAppliances," and "Izakaya/Pubs," along with a 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 set to "ON". In this state, by way of example and not limitation, user A. Suppose that A attempts to make a payment at an electronics store (in this example, "XX Denki") and has the store's code reader read the wallet code information. However, electronics stores are prohibited from using restricted e-money because they are included in the category of ``furniture and home appliances,'' which is prohibited from using e-money. As a result, by way of example and not limitation, the screen on the right side of FIG. 7-9 is displayed.

On 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, there is a shortage of 1,000 yen for the payment amount of 1,000 yen, resulting in an insufficient balance.
In this example, only the restricted 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 determines the use of the restricted electronic money balance based on user input to the input/output unit 23, etc., by way of example and not limitation. Set the types of industries and business types that are prohibited.
In step S410 of FIG. 7-5, the control unit 11 of the server 10 manages the electronic money usage restriction based on the setting information included in the notified electronic money remittance request information received from the terminal 20B, by way of example and not limitation. Update store industries that are prohibited from using data.

Further, 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, by way of example and not limitation, the store industry in which use of the restricted electronic money balance designated as the balance for payment is prohibited is determined from the payment request information. If the industry/business type does not match, the specified restricted electronic money balance is used to determine whether or not the payment can be made. If the payment is successful, the control unit 11 of the server 10 subtracts the payment amount from the designated restricted electronic money balance.
If the prohibited store industry for the restricted e-money balance specified as the balance for payment matches the industry/business type determined from the payment request information, the control unit 11 of the server 10 controls the use of the restricted e-money balance specified as the balance for payment. The payment using ``is judged to be a failure.

Note that the restrictions on the use of the restricted electronic money balance include, by way of example and not limitation, the following restrictions.
・Use approval for remittance source account, notification destination account, etc.
・Notification regarding the use of restricted e-money balances.
・Date, time and time period in which the restricted electronic money balance can be used (as an example, but not limited to, it can be used on excursion days, Saturdays and Sundays, and from 11:00 to 13:00, etc.).
・Date and time period when the restricted electronic money balance cannot be used (for example, not limited, it cannot be used on weekdays or during the late night hours from 22:00 to 6:00, etc.).
- Usage restrictions for the industry and business type of the store/service provider that performs the payment (as an example, not a limitation, restrictions on use may or may not be made depending on the industry or business type of the store/service based on the identification information of the payment store included in the payment request information) etc.)
- Restrictions on the use of products and services for which payments are made (as an example, not a limitation, restrictions on products and services that can be used based on the product image captured by the terminal or the JAN code or EAN code included in the payment request information) settings, etc. More specifically, as an example and not a limitation, it can be used to purchase plastic models, but cannot be used to purchase game software, etc.)
- Usage restrictions regarding payment amount (as an example, not a limitation, it can be used if the payment amount is 1000 yen or less)
- Usage restrictions based on device location (as an example, not a limitation, you can use it within a 5km radius from your home, etc.)
・Restrictions on withdrawals (for example, not limited, such as not being able to withdraw cash from an ATM or bank account from a restricted electronic money balance)
・Expiration date from the time the restricted e-money balance is used for the first time.
- The number of times the limited electronic money balance can be used (for example, not limited, it can be used "10 times", etc.).
- Any combination of the above restrictions.

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

In this modification, the restrictions set on restricted electronic money include restrictions regarding notification when the user of the terminal 20 making a payment uses restricted electronic money, and restrictions regarding stores where restricted electronic money can be used. Restrictions on products or services for which limited electronic money can be used; Restrictions on categories of products or services for which restricted electronic money can be used; Restrictions on products for which restricted electronic money cannot be used; This configuration includes at least one of restrictions regarding time zones in which restricted electronic money cannot be used, days in which restricted electronic money cannot be used, and restrictions regarding dates and times in which restricted electronic money cannot be used.
As an example of the effects of the modified example obtained by such a configuration, restrictions 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 first electronic money can be used; restrictions on products or services where first electronic money can be used; restrictions on categories of goods or services where first electronic money can be used; restrictions on products where first electronic money cannot be used; Various restrictions such as restrictions regarding time zones in which the first electronic currency cannot be used and restrictions regarding days or times when the first electronic currency cannot be used are set on the first electronic currency by the user of the first information processing device. This makes it possible to improve convenience for the user of the first information processing device.

<Seventh modification (5)>
In the above embodiment, a limited electronic money balance is used at the time of payment, but the present invention is not limited thereto.
By way of example, and not limitation, after using Regular Electronic Money in a payment, the balance may be transferred from a Restricted Electronic Money Balance to a Regular Electronic Money Balance based on usage authorization in the Sending Account, Notification Account, etc., by way of example and not limitation. It may also be converted. That is, even if limited electronic money cannot be used at the time of payment, the limited electronic money balance may be used after payment by paying in advance using normal electronic money.

FIGS. 7-10 and 7-11 are diagrams showing examples of screens displayed on the display unit 24 of the terminal 20 in this modification.
The left side of Figure 7-10 is a code payment screen similar to the screen in the center of Figure 7-9.
In this example, the charge button CBT is tapped and user A. A state is shown in which electronic money is charged by "500 yen" and the normal electronic money balance increases from "500 yen" to "1,000 yen". If a code payment of "1,000 yen" is made in this state, the payment result information shown in the center of FIG. 7-10 will be displayed as an example and not as a limitation.
In this example, since electronic money is normally used for payment, it is shown that the payment from "no limit" is "1,000 yen".

The right side of Figure 7-10 is the main menu screen of the payment application that is displayed after that, and the balance displayed in the balance display area is "Limited" remains at "1,000 yen" and " "No limit" is now displayed as "0 yen".

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

Based on the above permission, the server 10 allows user A. The balance is converted from the restricted electronic money balance of A's account to a normal electronic 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 announcement area.

On the other hand, on the wallet main menu screen of the payment application of the terminal 20A, a display as shown on the right side of FIG. 7-11 is displayed. Specifically, the server 10 sends user A. Due to the conversion of the balance from the restricted electronic money balance of A's account to the regular electronic money balance, the information regarding the restricted electronic money balance that was displayed in the balance display area BR2 on the right screen in Figure 7-10 is no longer displayed. The balance is deleted, and 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 a restricted electronic money balance is used at the time of payment, the refunded amount will be added to the restricted electronic money balance used at the time of payment. Good too. In this case, as an example and not a limitation, the process can be executed in the same manner as in the second modified example.

<Eighth Example>
In the above embodiment, the server 10 executes the payment using either normal electronic money or restricted electronic money in the payment processing (restricted payment processing).
The eighth embodiment is an embodiment in which payment is made using normal electronic money and one restricted electronic money.

The contents described in the eighth embodiment can be applied to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be 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, in which the "code payment" icon is shown tapped.
Then, by way of example and not limitation, a code payment screen as shown in the center of Figure 8-1 is displayed.

On this screen, the notification destination account is user B. "1,000 yen" is displayed as the limited 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 shown in the center of FIG. 8-1 is displayed.

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

Here, a case where a product is purchased for "1,200 yen" is exemplified. Since the total of the limited notification money balance and the normal electronic money balance is "1,500 yen," the payment amount exceeds "1,200 yen." In this case, by way of example and not limitation, limited electronic money can be used preferentially, and the shortfall can be made to be used from regular electronic money. By performing payment processing based on this, the payment result information shown on the right side of FIG. 8-1 is displayed.

Specifically, information is displayed indicating that the payment of "1,200 yen" has been completed, and the breakdown is that "1,000 yen" has been paid from restricted electronic money, and the remaining amount has been paid from regular electronic money. Information indicating that "200 yen" was paid is displayed.

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

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

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. For example, it can be determined as follows.
・Preferential use of limited electronic money balances.
"First payment amount" = "Restricted electronic money balance"("Second payment amount" = "Payment amount in payment request information" - "First payment amount")
- Priority use of regular electronic money balance.
"Second payment amount" = "Normal electronic money balance"("First payment amount" = "Payment amount of 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"
Hereinafter, the priority order of balances used for payment will be referred to as "used balance priority order."

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

Once the first payment amount and the second payment amount are calculated, the control unit 11 of the server 10 performs a payment process with continuous restrictions (S510). In the consecutive limited payment process, the control unit 11 of the server 10 may perform the limited payment process using the limited electronic money balance for the first payment amount and the normal electronic money balance for the second payment amount, by way of example and not limitation. Payment processing using money balances is executed sequentially.

If the restricted payment process and the payment process are successful, the continuous restricted payment process is a successful payment.
If at least one of the limited payment processing and the payment processing fails, the continuous limited payment processing will result in a payment failure (payment cannot be made). If consecutive limited payment processing fails, by way of example and not limitation, the limited payment processing or payment processing in which the payment was successful is canceled and the remaining balance is restored.

Note that if the first payment amount = "0", the limited payment process may not be executed. Furthermore, if the second payment amount = "0", the payment process may not be executed. In these cases, restricted payment processing (payment processing) that is not executed is treated as successful.

When a restricted payment process is executed, by way of example and not limitation, the control unit 11 of the server 10 generates a payment ID for each restricted payment process in the payment history management data 157, and adds it to the payment history management data 157. You can do as you like. In this case, the payment amount in the payment history management data 157 stores the payment amount in the payment request information, and the usage amount in the restricted electronic money usage history data stores the first payment amount.

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, on the payment history management data 157, it is recorded as if two payments were executed for one payment request information processing. Therefore, in the case of a refund due to a return to a store, etc., it is necessary to specify two payment IDs.

In this flowchart, to simplify the explanation, the notification transmission process for the restricted electronic money balance with notification and the unrestricted electronic money balance with notification among the restricted electronic money is omitted. In the continuous limited payment processing, when a limited electronic money balance with notification or an unrestricted electronic money balance with notification is used and a notification is issued, the control unit 11 of the server 10 performs the same procedure as shown in FIG. 7-6, by way of example and not limitation. The restricted electronic money usage information may be sent to the terminal 20B which is the terminal of the notification destination account. As an example and not a limitation, upon 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.

Further, prior to this flowchart, as an example and not a limitation, the control unit 21 of the terminal 20A sends charge request information for charging the normal electronic money balance to the communication I/O based on user input to the input/output unit 23, etc. It may also be transmitted to the server 10 by F22. In this case, when the communication I/F 14 receives charge request information from the terminal 20A, the control unit 11 of the server 10 executes a charge process to increase the normal electronic money balance based on the received charge request information. You may also do so.

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

In this example, the information processing device is the terminal 20 (terminal 20A, by way of example and not limitation) of the user of the account to which the restricted electronic money is to be remitted, and the first information processing device is the terminal 20 of the account to which the restricted electronic money is to be remitted. Terminal 20 (by way of example and not limitation, terminal 20B) is used.
However, the present invention is not limited to this, and by way of example and not limitation, 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. It is.
Note that combinations other than these are also possible.

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

Further, the present embodiment shows a configuration in which the set conditions include conditions related to use from a restricted electronic money balance (not a restriction, but an example of electronic money with a restriction set).
As an example of the effect of the embodiment obtained by such a configuration, by way of example and not 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. can be used for payment.

Further, in this embodiment, the restrictions set on the restricted electronic money include a restriction on notification when the user of the terminal 20 making the payment uses the restricted electronic money, and a restriction on notifying the user of the payment terminal 20 when the user uses the restricted electronic money. Restrictions on stores, restrictions on products or services that can use limited electronic money, restrictions on categories of products or services that can use restricted electronic money, restrictions on products that cannot use restricted electronic money, restricted electronic money This configuration includes at least one of the following restrictions: restrictions regarding time zones in which electronic money cannot be used, days in which restricted electronic money cannot be used, and restrictions regarding dates and times in which restricted electronic money cannot be used.
As an example of the effects of the modified example obtained by such a configuration, restrictions 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 first electronic money can be used; restrictions on products or services where first electronic money can be used; restrictions on categories of goods or services where first electronic money can be used; restrictions on products where first electronic money cannot be used; Various restrictions such as restrictions regarding time zones in which the first electronic currency cannot be used and restrictions regarding days or times when the first electronic currency cannot be used are set on the first electronic currency by the user of the first information processing device. This makes it possible to improve convenience for the user of the first information processing device.

In addition, this embodiment is applicable to limited electronic money remittance processing (not limited to, terminal 20B (not limited to, an example of the first information processing device) and terminal 20A (not limited to, an example of the second information processing device). A program executed by a communicating server that is configured to store a limited electronic money balance (not limited) transferred from a first information processing device to a second information processing device, with a limit set by the user of the first information processing device. , an example of the first electronic money) and an example of the process of associating the user of the second information processing device), a charging process (not limited to, normal electronic money balance (not limited to, an example of the second electronic money) (an example of a process for associating the user of the second information processing device) with the user of the second information processing device); The controller may execute a process related to a continuous limited payment process (not a limitation, but an example of the first payment) based on at least a part of the first electronic money and at least a part 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, first electronic money remitted from the first information processing device to the second information processing device, for which a limit has been set by the user of the first information processing device, After associating the user of the second information processing device 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 payment based on at least a portion of the electronic money and at least a portion of the second electronic money can be realized.

In addition, in this embodiment, the restriction is not limited to the notification to the notification destination account (not the limitation), when the user of the second information processing device uses at least a part of the first electronic money, the user of the second information processing device The configuration includes an example of a restriction in which a notification indicating that the server has been used 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 is used by the user of the second information processing device, the user of the first information processing device is notified of the content related thereto. be able to.

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

FIG. 8-4 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modification.
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, and is similar to the screen on the left side of FIG. 8-1. When the "code payment" icon IC2 is tapped, the code payment screen shown in the center of FIG. 8-4 is displayed.

On this code payment screen, 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 (in this example, "1,500 yen"). is displayed. Further, below that, a slide button is provided for selecting whether or not to use restricted electronic money for payment. By turning the slide button "ON", it is possible to set the use of restricted electronic money for payment. Further, by turning the slide button "OFF", it is possible to set the restricted electronic money not to be used for payment.

In this example, a state in which the slide button is set to "ON" is shown. In this case, as in FIG. 8-1, limited electronic money can be used preferentially, and the remaining amount can be used from normal electronic money. By performing payment processing based on this, the payment result information shown on the right side of FIG. 8-4 is displayed.

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

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

Upon 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 a 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 restrictions is executed (S510).

In the usage balance calculation process, as an example and not a limitation, if only the restricted electronic money balance is used, the "second payment amount" = "0", and if only the regular electronic money balance is used, the "first payment amount" ” can be set to “0”.

In addition, when the control unit 11 of the server 10 does not receive the restricted electronic money usage selection information from the terminal 20A, the control unit 11 of the server 10 uses the usage balance priority order (usage ratio) based on the usage balance priority (usage ratio) preset by the user of the server 10, by way of example and not limitation. Then, the usage balance calculation process may be executed and the payment process with continuous restriction may be executed, or it is not necessary to do so.

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

Furthermore, the selection of the balance to be used for payment is not limited to selection each time a payment is made. As an example and not a limitation, the control unit 21 of the terminal 20A determines which balance to pay out of the restricted electronic money balance and the normal electronic money balance, based on user input to the input/output unit 23, etc., in advance of payment. We will accept regulations regarding the use of the system. Then, in the payment after accepting the regulation settings, by way of example and not limitation, when the control unit 21 of the terminal 20A displays the wallet code information (A130), the control unit 21 of the terminal 20A changes the set regulation settings to the restricted electronic It may also be transmitted to the server 10 as money usage selection information.

In this modification, the limited electronic money balance (not limited, but an example of first electronic money) and the normal electronic money balance (not limited, but an example of second electronic money) are the terminal 20A (not limited, but an example of second electronic money). A configuration selected based on input by a user of the information processing apparatus (an example of an information processing apparatus) is shown.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to allow 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 select the first electronic money and the second electronic money to be used for payment. 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 order set in advance by the user of the server 10, by way of example and not limitation, but the invention is not limited thereto.
By way of example and not limitation, the usage balance priority may be determined based on input by the user of the payment 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 modification.
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, in which the "code payment" icon IC2 is shown tapped. Then, the code payment screen shown in the center of Figure 8-6 will be displayed.
On this code payment screen, the information displayed in the wallet code information display area WCR1 is the restricted electronic money balance (``restricted'') and the regular electronic money balance (unrestricted). The electronic money balance ("restricted") is displayed at the top, and the regular electronic money balance (unrestricted) is displayed below.

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

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

As an example and not a limitation, in FIG. 8-5, when the control unit 21 of the terminal 20A displays the wallet code information (A130), the processing in this modified example is not limited to, but is based on a user input to the input/output unit 23. Based on this, limited electronic money usage selection information including settings regarding the usage balance priority between the restricted electronic money balance and the normal electronic money balance is transmitted to the server 10 via the communication I/F 22 (A510). Note that the restricted electronic money usage selection information may include information regarding the usage ratio of each balance.
When the communication I/F 14 receives the restricted electronic money usage selection information from the terminal 20A, 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 continuous restrictions is executed (S510). In addition, when the control unit 11 of the server 10 does not receive the restricted electronic money usage selection information from the terminal 20A, the control unit 11 of the server 10 uses the usage balance priority order (usage ratio) based on the usage balance priority (usage ratio) preset by the user of the server 10, by way of example and not limitation. Then, the usage balance calculation process may be executed and the payment process with continuous restriction may be executed, or it is not necessary to do so.

Note that if the continuous limited payment process fails, the control unit 11 of the server 10 uses limited electronic money usage to confirm whether to re-execute the payment with different first payment amounts and second payment amounts. The confirmation information may be transmitted to the terminal 20A via the communication I/F 14. Upon receiving the limited electronic money usage 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 user input to the input/output unit 23, and performs payment. If re-execution is selected, the restricted electronic money usage selection information may be sent to the server 10 again. Thereafter, the control unit 11 of the server 10 may execute the usage balance calculation process and the continuous limited payment process again based on the retransmitted limited electronic money use selection information.

Furthermore, the usage balance priority is not limited to being selected each time a payment is made. By way of example and not 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 user input to the input/output unit 23, etc. Accepts regulation settings regarding usage balance priority. Then, in the payment after accepting the regulation settings, by way of example and not limitation, when the control unit 21 of the terminal 20A displays the wallet code information (A130), the control unit 21 of the terminal 20A changes the set regulation settings to the restricted electronic It may also be transmitted to the server 10 as money usage selection information.

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

Further, in this modification, the conditions set by the user of the terminal 20 that makes the payment include conditions regarding use from the restricted electronic money balance (not a restriction, but an example of electronic money with a restriction set). It shows.
As an example of the effect of the embodiment obtained by such a configuration, since electronic money with restrictions set is used for payment, it is possible to realize payment in accordance with the will of the user of the information processing device.

In addition, in this modification, the conditions set by the user of the terminal 20 making the payment are the conditions regarding using the terminal 20 making the payment in the order set by the user of the terminal 20 (not limited to, but an example of an information processing device). This shows a configuration that includes.
As an example of the effect of the embodiment obtained by such a configuration, since electronic money is used for payment in the order set by the user of the information processing device, payment can be realized in accordance with the intention of the user of the information processing device. be able to.

In addition, in this modification, the condition for using the electronic money in the order set by the user of the terminal 20 that makes the payment is that the electronic money is used in the order starting from the restricted electronic money balance (not a limitation, but an example of electronic money with a restriction set). This shows a configuration that includes conditions for doing so.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to preferentially use electronic money for payment with a limit set.

<Eighth modification (3)>
In the above embodiment, the server 10 transmits payment result information including the used restricted electronic money balance and normal electronic money balance to the terminal 20A after executing the continuous restricted payment process. Not limited.
As an example and not as a limitation, in the payment process with continuous restrictions, 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 also do so.

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

In this example, limited electronic money usage confirmation information transmitted from the server 10 is displayed so as to overlap part of the wallet code information display area WCR1.
In this example, by way of example and not limitation, limited electronic money usage confirmation information including the first payment amount in addition to the payee and payment amount is transmitted to the terminal 20A. As a result, by way of example and not limitation, the payment destination (in this example, "XX Bookstore"), the payment amount (in this example, "1,200 yen"), and the first payment amount (in this example, limited electronic money) Restricted electronic money usage confirmation information including "1,000 yen") is displayed.

In this example, the limited electronic money usage confirmation information includes a "Pay" button BT81 for agreeing to the use of the first payment amount, and a "Stop" button BT82 for refusing the use of the first payment amount. and is included.

As an example and not a limitation, when the "Pay" button BT81 is tapped, the server 10 executes a payment process with a continuous restriction, and the payment result information on the right side of FIG. 8-7 is displayed. Specifically, restricted electronic money is used preferentially, and the first payment amount (in this example, 1,000 yen) is transferred from the restricted electronic money, and the second payment amount (in this example, 1,000 yen) is transferred from the regular electronic money. 200 yen) was paid.

In this example, only the first payment amount of the payment amounts is displayed on the screen in the center of FIG. 8-7, but the present invention is not limited to this.
Specifically, by way of example and not limitation, both the first payment amount and the second payment amount may be displayed. In this case, the server 10 can transmit limited 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 modification.
When the communication I/F 14 receives payment request information from the store POS system 40, the control unit 11 of the server 10 calculates a first payment amount and a second payment amount (S500). Then, the control unit 11 of the server 10 transmits limited electronic money usage confirmation information including at least the calculated first payment amount to the terminal 20A via the communication I/F 14.

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

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

If consent 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 consent 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 may control the input/output unit 23 by the user, by way of example and not limitation. When the first payment amount and the second payment amount are received based on the input, etc., 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 a payment process with a continuous restriction based on the received first payment amount and second payment amount. You may also do so.

<Eighth modification (4)>
This modification is a modification regarding the content of the notification to the notification destination account.
FIGS. 8-9 are diagrams showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modification.
The left side of FIG. 8-9 shows a state in which payment result information is displayed on the display unit 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 taken place.

The right side of FIG. 8-9 is a diagram showing an example of the payment application notification screen 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. Information including the amount used for payment of the restricted electronic money balance remitted to A (that is, the first payment amount) is displayed.
Specifically, information including the amount used from the restricted electronic money balance (in this example, "700 yen"), the payment destination (in this example, "XX Bookstore"), and a button to confirm details is displayed. There is.

Note that, different from this, the payment amount (the sum of the first payment amount and the second payment amount) may be displayed in the electronic money usage information.

<Ninth Example>
In the above embodiment, in the continuous limited payment processing, the normal electronic money balance and the limited electronic money balance were used to perform the payment.
The ninth embodiment is an embodiment in which payment is made using any two or more balances out of two or more restricted electronic money balances.

The content described in the ninth embodiment is applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be 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 an application ID and a normal electronic money balance, by way of example and not limitation, restricted electronic money management data and restricted electronic money usage history data. , electronic money usage restriction management data are stored.
The information stored in each account management data included in the account management database 155H is the same as the account management database 155F, but some information stored in the electronic money usage restriction management data is different.

Specifically, the electronic money usage restriction management data stores, by way of example and not limitation, a remittance management ID and a usable store industry in association with each other.

The usable store business type is an item for storing the business type and business type in which this restricted electronic money balance can be used, and is set and stored based on the input by the remitter, by way of example and not limitation.
In Figure 9-1, as an example and not a limitation, the restricted electronic money balance managed with the remittance management ID "T02108" is classified into the industries of "convenience store,""super/homecenter," and "books/stationery." It is memorized that it can be used in stores and services. Further, it is stored that the restricted electronic money balance managed by the remittance management ID "T02571" can be used at stores and services classified into the "Books/Stationery" and "Furniture/Home Appliances" industries.

<Display screen>
FIGS. 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."

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

As shown in the screen in the center of Figure 9-2, the user of the notification destination account is assigned to user C. When the restriction mark RMK displayed in association with the balance of "3,000 yen" denoted by C is tapped, information regarding the restriction is displayed in a speech bubble as an example rather than a limitation. In this example, the industry type of the store where this restricted electronic money can be used is displayed as an icon. Specifically, an icon for "Books/Stationery" and an icon for "Furniture/Home Appliances" are displayed in a speech bubble, and in stores in these two industries, the user of the notification destination account is assigned to User C. It is shown that limited electronic money can be used.

On the other hand, as shown in the screen on the right side of Figure 9-2, the user of the notification destination account is assigned to user B. When the restriction mark RMK displayed in association with the balance of "1,000 yen" designated as B is tapped, information regarding the restriction is displayed in a speech bubble as an example rather than a limitation. In this example, the industry type of the store where this restricted electronic money can be used is displayed as an icon. Specifically, a "convenience store" icon, a "super/home center" icon, and a "books/stationery" icon are displayed in a speech bubble, and in stores in these three industries, the user of the notification destination account is User B. It is shown that it is possible to use limited electronic money designated as B.

The left side of FIG. 9-3 corresponds to the screen on the left side of FIG. 9-2, and shows the "code payment" icon IC2 being tapped. Then, by way of example and not limitation, the code payment screen shown in the center of FIG. 9-3 is displayed.
In this code payment screen, the wallet code information display area WCR1 displays a balance similar to that displayed in the balance display area BR2 of the left side screen in FIG. 9-2. By having the wallet code information read by the store's code reader, the server 10 executes payment processing with continuous restrictions, 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 that is B's account, and the notification destination account is user C. It is shown that ``200 yen'' was used for payment from the restricted electronic money in C's account.

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

<Processing>
Regarding the process, as an example and not a limitation, in the usage balance calculation process (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 limited electronic money balance are calculated.
As an example and not a limitation, in Figure 9-1, the balance with the remittance management ID "T02108" is applied to the first restricted electronic money balance, and the balance with the 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 that satisfy the condition of "third payment amount" + "fourth payment amount" = "payment amount of payment request information". However, as an example and not a limitation, the usage limit of each restricted electronic money balance is determined based on the payment request information received by the server 10, and if each restricted electronic money balance cannot be used, the payment amount is Set it to "0". In other words, if the first restricted electronic money balance falls under the usage restriction and the balance cannot be used, the "third payment amount" = "0", and the second restricted electronic money balance falls under the usage restriction and the balance cannot be used. If the balance is unusable, the "fourth payment amount" becomes "0".

If the first limited electronic money balance and the second limited electronic money balance can be used, the third payment amount and the fourth payment amount are determined according to the following usage balance priority, by way of example and not limitation. be able to.
・Prioritize use of restricted electronic money balances with large balances.
・Prioritize use of restricted electronic money balances with small balances.
・Priority is given to using restricted electronic money balances that were received in the oldest order.
・Use the limited electronic money balances that can be used in descending order of restrictions.
- Any combination of the above.

As an example and not a limitation, a case in which the first restricted electronic money balance is stricter than the restriction of the second restricted electronic money balance in the first restricted electronic money balance and the second restricted electronic money balance. , for example:
・Number of people to be notified of the use of the first restricted electronic money balance > Number of people to be notified of the use of the second restricted electronic money balance (the number of notification recipients is large).
・Number of stores and service providers where the first restricted electronic money balance can be used < Number of stores and service providers where the second restricted electronic money balance can be used (few stores and service providers can use it).
・Number of store industries where the first restricted electronic money balance can be used <Number of store industries where the second restricted electronic money balance can be used (the number of usable industries is narrow).
・Number of products and services that can be used for the first limited electronic money balance < Number of products and services that can be used for the second limited electronic money balance (few products and services that can be purchased).
- The expiration date of the first restricted electronic money balance < the expiration date of the second restricted electronic money balance (the expiry date when it becomes unusable is approaching).
- Usable location area for the first limited electronic money balance < usable location area for the second limited electronic money balance (usable map range is narrow).
・Usable time of the first restricted e-money balance within a predetermined time (one week, not limited) < Usable time of the second restricted e-money balance within a predetermined time (usable time) Less is).
・Number of days that the first restricted electronic money balance can be used within a predetermined period (for example, one month, not as a limitation) <Number of days that the second restricted electronic money balance can be used within a specified 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 a payment process with continuous restrictions (S510). In the consecutive limited payment process, the control unit 11 of the server 10 may perform the limited payment process using the first limited electronic money balance for the third payment amount and for the fourth payment amount, by way of example and not limitation. Restricted payment processing using the second restricted electronic money balance is executed sequentially.

If both restricted payment transactions are successful, the consecutive restricted payment transactions will result in a successful payment.
If at least one of the limited payment processes fails, the consecutive limited payment processes result in a payment failure (settlement is not possible). If successive limited payment processing fails, by way of example and not limitation, the limited payment processing in which the payment was successful is canceled and the remaining balance is restored.
Note that when the third payment amount = "0", the limited payment process using the first limited electronic money balance may not be executed. Further, when the fourth payment amount = "0", the limited payment process using the second limited electronic money balance may not be executed. In these cases, any restricted payment processing that is not executed will be treated as successful.

Note that in the continuous limited payment process, the normal electronic money balance may be used in addition to the first limited electronic money balance and the second limited electronic money balance. As an example and not a 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 priority order over the normal electronic money balance, the second payment amount to be paid from the normal electronic money balance in the usage balance calculation process is the "second payment amount". ” = “Payment amount in payment request information” - “Third payment amount” - “Fourth payment amount”. Note that the normal electronic money balance may be used in preference to the restricted electronic money balance.

Further, in this embodiment, for the sake of simplicity, a case has been described in which there are two remittance management IDs stored in the restricted electronic money management data, but the present invention is not limited to this. As an example and not a limitation, 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 way as in this embodiment. can.

<Effects of the ninth embodiment>
In this embodiment, the first limited electronic money balance (not a limitation, but an example of the first electronic money) and the second limited electronic money balance (not a limitation, but an example of the second electronic money) are It shows a configuration selected based on preferential use of a small restricted electronic money balance (not a limitation, but an example of a set condition).
As an example of the effect of the embodiment obtained by such a configuration, the first electronic money and the second electronic money used for payment can be appropriately selected based on set conditions. .

Further, the present embodiment shows a configuration in which the set conditions include a condition related to using from the first restricted electronic money balance (not a restriction, but an example of electronic money with a restriction set).
As an example of the effect of the embodiment obtained by such a configuration, it is possible to preferentially use electronic money for payment with a limit set.

Furthermore, this embodiment shows a configuration in which the conditions for using electronic money for which restrictions are set include using electronic money for which restrictions are stricter.
As an example of the effect of the embodiment obtained by such a configuration, electronic money with strict restrictions can be preferentially used for payment.

Furthermore, this embodiment shows a configuration in which the use of electronic money with stricter restrictions includes at least the fact that the balance of electronic money is small or that the usable categories are narrow.
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 payment.

<Ninth modification (1)>
In the above embodiment, when the usage balance calculation process is executed, the payment process with continuous restrictions is executed, but the present invention is not limited to this.
As an example and not a limitation, when the usage 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 the screen displayed on the display unit 24 of the terminal 20 in this modification.
The left side of FIG. 9-4 is a 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, a display like the one in the center of Figure 9-4 is displayed.

Specifically, limited electronic money usage confirmation information transmitted from the server 10 is displayed so as to overlap a part of the wallet code information display area WCR1.
In this example, as an example and not a limitation, the payment destination (in this example, "YY Camera"), the payment amount (in this example, "3,800 yen"), and information regarding the restricted electronic money used for payment are displayed. has been done.

In this example, for restricted electronic money, the notification destination account is user B. The restricted electronic money that is B's account and the notification destination account are user C's account. There is a limited electronic money account in C's account, but the payee is "YY Camera" and the store's industry is "furniture/home appliances." Therefore, restricted electronic money that is permitted to be used in the "furniture/home appliances" industry is selected as the restricted electronic money for payment. As a result, the notification destination account is user C. User A.C's account, restricted e-money, is selected and the user A.C. selects it to make a payment. Information for confirmation is displayed on A.

As an example and not a limitation, when the "Pay" button BT81 is tapped, the server 10 executes a payment process with a continuous restriction, and the payment result information on the right side of FIG. 9-4 is displayed. Specifically, the notification destination account is user C. It is shown that "13,000 yen" was used for payment from the restricted electronic money in C's account, and "800 yen", which was the shortfall amount, was used for payment from regular 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 used for payment from the restricted electronic money that is C's account ("3,000 yen" in this example) is displayed, the present invention is not limited to this.
In addition to this, in the above example, the amount "800 yen" that is normally used for payment from electronic money may also be displayed.
Furthermore, in the above example, the restricted electronic money that is not used for payment, that is, the notification destination account, is used by user B. The payment amount "0 yen" for the limited electronic money that is B's account may also be displayed.

Regarding processing, as an example and not a limitation, in FIG. 8-8, the control unit 11 of the server 10 transmits limited electronic money usage confirmation information including the calculated third payment amount and/or fourth payment amount to /F14 to transmit to the terminal 20A. By way of example and not limitation, agree 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. If selected, the control unit 21 of the terminal 20A transmits the limited electronic money usage permission information to the server 10 via the communication I/F 22.
Note that the limited electronic money usage confirmation information may include the second payment amount, which is the usage of the normal electronic money balance.

<Ninth modification (2)>
In the above embodiment, each payment amount is automatically calculated in the usage balance calculation process, but the 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 the terminal 20 making the payment.

As an example and not a limitation, the processing in this modified example is shown in FIG. Restricted electronic money usage selection information including settings regarding balance priority is transmitted to the server 10 via the communication I/F 22. Then, the control unit 11 of the server 10 executes a usage balance calculation process based on the balance usage order.
Note that the restricted electronic money use selection information may include information specifying the restricted electronic money balance (normal electronic money balance) used for payment.

Note that the usage balance priority order in the restricted electronic money usage selection information includes the following examples, not as a limitation, but as an example.
- Specify balance usage order for each remittance management ID (as an example and not a limitation, based on user operations on the balance display field, balance of remittance management ID "T02571"> balance of remittance management ID "T02108">"regular electronic money" Specify the balance usage order for "Balance".)
・Specify that the balance should be used in order of least (largest).
・Specify that restricted electronic money balances are to be used in the order in which they are received in the order of oldest to last.
- Directly specify each payment amount (as an example and not a 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". )
・Specify that it will be used according to the ratio of each balance.

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

Furthermore, this modification shows a configuration in which the conditions for using electronic money in the order set by the user of the terminal 20 for making a payment include the conditions for using electronic money in the order starting from the one with the limit set.
As an example of the effects of the embodiment obtained by such a configuration, it is possible to preferentially use electronic money for payments with restrictions set, and payments can be made in accordance with the wishes of the user of the information processing device. It can be realized.

<Ninth modification (3)>
In the above embodiment, the usage balance calculation process is executed in the server 10, but the present invention is not limited thereto. By way of example and not limitation, part or all of the usage balance calculation process may be executed in the terminal 20.

By way of example and not limitation, the usage balance calculation process can be broadly divided into usage balance selection processing and payment amount calculation processing.
The usage balance calculation process is a process of selecting a balance to be used for payment from one or more restricted electronic money balances and a normal electronic money balance. In addition, the payment amount calculation process is a process of setting usage balance priorities for the selected balances and calculating the amount to be paid from each balance.

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

In the selection pattern "Balance selection each time", the control unit 21 of the terminal 20 allows the user to make a payment each time the user makes a payment, based on, by way of example and not limitation, the checkboxes corresponding to each balance displayed on the display unit 24. Select the balance to use for payment.

In the selection pattern "specified balance selection (1)," the control unit 21 of the terminal 20 selects, by way of example and not limitation, based on the selection of each balance displayed on the display unit 24 and the corresponding checkbox, before making a payment. The user sets the balance selection regulation settings used for payment (hereinafter referred to as "balance selection regulation settings"). Then, when making a payment, the control unit 21 of the terminal 20 selects the balance that the user uses for payment based on the balance selection regulation settings.

In the selection pattern "regular balance selection (2)," when the control unit 21 of the terminal 20 sets the balance selection regulation setting similarly to the regulation balance selection (1), the control unit 21 of the terminal 20 transmits the balance selection regulation 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 that the user uses for payment based on the received balance selection rule settings.

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

FIG. 9-6 is a diagram illustrating an example of a processing method in the usage balance priority setting process.

In the processing pattern "fully automatic processing (1)", the control unit 11 of the server 10 sets the usage balance priority according to the prescribed 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 usage balance priority according to the specified 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 making the payment.

In the processing pattern "suggestion processing (1)", the control unit 11 of the server 10 sets the usage 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 calculated payment amount, a payment process with continuous restrictions is executed.
In the processing pattern "suggestion processing (2)", the control unit 21 of the terminal 20 sets the usage 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 calculated payment amount, a payment process with continuous restrictions 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 process pattern "regulation setting process (1)," by way of example and not limitation, a regulation usage balance priority is set based on the user's operation on the terminal 20 prior to payment. Then, the control unit 11 of the server 10 calculates the amount to be paid from each balance based on the prescribed usage balance priority order.
In the processing pattern "regulation setting process (2)," by way of example and not limitation, a regulation usage balance priority is set based on the user's operation on the terminal 20 prior to payment. Then, the control unit 21 of the terminal 20 calculates the amount to be paid from each balance based on the prescribed usage balance priority order.
The regulation setting process is a process in which each payment amount is calculated based on the regulation usage balance priority order set by the user of the terminal 20 before payment.

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

In the process pattern "one-by-one setting process (1)", each time a payment is made, the usage 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 set usage balance priority order.
In the process pattern "one-by-one setting process (2)," the usage balance priority is set based on the user's operation on the terminal 20 each time a 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 usage balance priority order.
The each-time setting process is a process in which the usage balance priority is set by the user of the terminal 20 each time a payment is made, and each payment amount is calculated.

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

Further, in this modification, the conditions set by the user of the terminal 20 that makes the payment include conditions regarding use from the restricted electronic money balance (not a restriction, but an example of electronic money with a restriction set). It shows.
As an example of the effect of the modification obtained by such a configuration, since electronic money with restrictions set is used for payment, it is possible to realize payment in accordance with the will of the user of the information processing device.

Moreover, this modification shows a configuration in which the conditions for using electronic money with restrictions set include using electronic money with strict restrictions.
As an example of the effect of the modification obtained by such a configuration, electronic money with strict restrictions can be preferentially used for payment.

Furthermore, this modification shows a configuration in which the use of electronic money with stricter restrictions at least includes the fact that the balance of electronic money is small or that the categories that can be used are narrow.
As an example of the effect of the modified example obtained by such a configuration, electronic money with a small balance or electronic money with a narrow usable category can be preferentially used for payment.

In addition, in this modification, the conditions set by the user of the terminal 20 making the payment are the conditions regarding using the terminal 20 making the payment in the order set by the user of the terminal 20 (not limited to, but an example of an information processing device). This shows a configuration that includes.
As an example of the effect of the embodiment obtained by such a configuration, since electronic money is used for payment in the order set by the user of the information processing device, payment can be realized in accordance with the intention of the user of the information processing device. be able to.

In addition, in this modification, the condition for using the electronic money in the order set by the user of the terminal 20 that makes the payment is that the electronic money is used in the order starting from the restricted electronic money balance (not a limitation, but an example of electronic money with a restriction set). This shows a configuration that includes conditions for doing so.
As an example of the effect of the modified example obtained by such a configuration, electronic money for which a restriction has been set can be preferentially used for payment.

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

Note that priorities may be set for notification destination accounts, 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 with the highest priority "N" ("N" is any 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 may not send notifications. good.

<Ninth modification (5)>
If a refund occurs when a product or service is returned, the refunded amount will be changed to the amount used at the time of payment for the multiple restricted electronic money balances and/or regular electronic money balance used at the time of payment. The amount may be added to each balance based on the amount.

In this case, when refunding at least part of the restricted electronic money (usually electronic money) used by the user of the remittance account, the control unit 11 of the server 10 uses the payment ID sent from the store POS system 40 to It is specified from the 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 payment ID. Identify the ID. If a plurality of restricted electronic moneys are used at the time of payment, this remittance management ID will include a plurality of IDs.

If a remittance management ID corresponding to the specified payment ID exists, it means that at least a portion of the restricted electronic money has been used for payment. Therefore, the usage amount corresponding to the specified payment ID is specified from the restricted electronic money usage history data, and the usage amount is calculated from 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 payment 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 usage amount for each remittance management ID corresponding to the specified payment ID. This sum is referred to as the "limited electronic money payment amount."
The control unit 11 of the server 10 determines whether the restricted electronic money payment amount is equal to the payment amount corresponding to the payment ID. If the restricted electronic money payment amount is equal to the payment amount, electronic money is generally not used for payment. Therefore, the control unit 11 of the server 10 ends the process.
If the restricted electronic money payment amount is not equal to the payment amount, electronic money is usually also used for payment. Therefore, the control unit 11 of the server 10 adds the amount calculated by "settlement amount" - "restricted electronic money settlement amount" to the normal electronic money balance.

On the other hand, if there is no remittance management ID corresponding to the specified payment ID, it means that the restricted electronic money was not used for payment. For this reason, the refund amount is usually added to the electronic money balance. If the payment is made using only regular electronic money, the payment amount corresponding to the specified payment ID in the payment history management data 157 becomes the amount to be refunded to the regular electronic money balance.

<10th example>
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 account the limit on the limited electronic money balance, before making a payment using the continuous limited payment process.

The content described in the tenth embodiment is applicable to each of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be 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 Figure 9-2.
The left side of FIG. 10A is 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 below, store introduction information about the store "XX Bookstore" is sent from the server 10 to the terminal 20A, and as a result, a store that includes the words "Welcome to XX Bookstore - Spring Reference Book Fair in progress!" at the bottom of the screen. Introductory information is displayed.
Also, in the balance display area, user A. The total available 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 details of the electronic money balance and the details of the 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."
Also, out of the limited electronic money balance, the notification destination account is set to user C. The balance of the restricted electronic money in C's account is ``3,000 yen,'' and the industries in which it can be used are ``Books/Stationery'' and ``Furniture/Home Appliances.''
Also, out of the limited electronic money balance, the notification destination account is set to user B. The balance of the restricted electronic money in B's account is ``1,000 yen,'' and the types of stores that can be used are ``convenience stores,'' ``supermarkets/home centers,'' and ``books/stationery.''

The screen example on the left side of Figure 10-1 is a case where the terminal 20A is located at the store "XX Bookstore", but the two restricted electronic money mentioned above are both used at stores in the "Bookstore/Stationery" industry. Since it is possible, the full amount can be used.
Therefore, in the balance display area, "2,500 yen + 4,000 yen = 6,500 yen", which is the sum of the full amount of the regular electronic money balance and the restricted electronic money balance, is displayed as the total available 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 Super".
Of the two types of restricted electronic money mentioned above, the restricted electronic money that can be used at stores in the "Super Home Center" industry is the one whose notification destination account is user B. Only limited electronic money can be used for B's account.
Therefore, the balance display area shows the normal electronic money balance and the notification destination account for user B. "2,500 yen + 1,000 yen = 3,500 yen", which is the sum of the balance of the restricted electronic money in B's account, is displayed as the total usable 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 two types of restricted electronic money mentioned above, the restricted electronic money that can be used at stores in the "furniture/home appliances" industry is limited to the restricted electronic money that can be used at stores in the "furniture/home appliances" industry. Only limited electronic money can be used for C's account.
Therefore, the balance display area usually shows the electronic money balance and the notification destination account for user C. "2,500 yen + 3,000 yen = 5,500 yen", which is the sum of the balance of restricted electronic money in C's account, is displayed as the total usable balance.

<Processing>
Regarding the process, as an example and not a limitation, in FIG. 8-2, when the control unit 21 of the terminal 20A displays the limited electronic money remittance result information on the display unit 24 (A410), the control unit 21 displays the available total balance request information. It is transmitted to the server 10 via the communication I/F 22. Here, the available total balance request information includes, by way of 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.

When the communication I/F 14 receives the total available balance request information from the terminal 20A, the control unit 11 of the server 10 executes the total available balance calculation process.
In the total available balance calculation process, by way of example and not limitation, the control unit 11 of the server 10 first determines the store where the terminal 20A is located based on the received total available 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 each restricted electronic money balance stored in the restricted electronic money management data can be used. . Then, total usable balance information including a total usable balance that is the sum of the limited electronic money balance that can be used and the normal electronic money balance is transmitted to the terminal 20A via the communication I/F 14.
Note that the total usable balance information may include individual restricted electronic money balances that are determined to be usable.

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

Note that when the date and time, time zone, and expiration date in which the restricted electronic money balance can be used are set as the electronic money usage restriction management data, the control unit 11 of the server 10 uses the clock in the total usable balance calculation process. The current date and time may be acquired by the unit 19, and it may be determined whether each restricted electronic money balance can be used.

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 can display the brand logo of the store or service captured by the imaging unit 27, and the product. The image may be included in the total available balance request information. In this case, the control unit 11 of the server 10 specifies the product/service to be purchased based on the product image included in the total available balance request information, and determines whether each restricted electronic money balance can be used. It may be determined.

Note that the total available 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 the own terminal account management data of the account management database 155H from the server 10, it executes a total available balance calculation process based on the location information of the terminal 20A and the current date and time. However, the total available balance may be calculated.

<Effects of 10th Example>
In this embodiment, a terminal 20A includes a first limited electronic money balance (not a limitation, but an example of first electronic money) and a second limited electronic money balance (not a limitation, but an example of second electronic money). (This is an example of an information processing device, not a limitation) Among the plurality of electronic currencies that can be used by the user, the total available balance that can be used for continuous limited payment processing (an example of a second payment, not a limitation) Rather, it shows a configuration in which the information processing device performs control to display the total amount of electronic money (an example of the total amount of electronic money) on the information processing device by the control unit.
As an example of the effect of the embodiment obtained by such a configuration, out of a plurality of electronic currencies that can be used by the user of the information processing device, including the first electronic money and the second electronic money, the first electronic money can be used for the first payment. It becomes possible to notify the user of the information processing device of the total amount of electronic money, and convenience can be improved.

<Tenth modification (1)>
In the above embodiment, the total usable balance is calculated based on the status (location, date and time, etc.) of the terminal 20A, but the present invention is not limited thereto.
As an example and not a limitation, the total available balance for each available store industry may be calculated and displayed as a list on the display unit 24 of the terminal 20A.

FIG. 10-2 is a diagram showing an example of a screen displayed on the display unit 24 of the terminal 20 in this modification.
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 screen on the left side of FIG. 10-1.
When the word "Balance" in the balance display area or the display part of the balance value ("6,500 yen" in this example) is tapped, a display like the one on the right side of Figure 10-2 is displayed, by way of example and not limitation. Ru.

In this example, below the balance value in the balance display area BR2, an available balance display area UR2 containing the total available balance for each available store industry is displayed in a balloon. In this example, the limit mark RMK and the words "Available balance by store" are displayed in the available balance display area UR2, and below that, the total available balance by industry of the store is associated with the industry icon. Displayed.
Specifically, for the industries ``Convenience Store'' and ``Super/Home Center,'' the total available balance is ``3,500 yen,'' and for the industry ``Books/Stationery,'' the total available balance is ``6,500 yen.'' For the industry category "furniture/home appliances,""5,500yen" is displayed as the total available balance.

Note that the targets for which the total available balance is calculated as a list are not limited to each store industry. As an example and not a limitation, if a date on which the restricted electronic money balance can be used is specified, the total available balance may be displayed in correspondence with the date on the calendar. Further, when a time period in which the limited electronic money balance can be used is specified, the total available balance may be displayed within the analog clock-like display for each time period, by way of example and not limitation. When products and services that can be used for limited electronic money balances are specified, the total amount that can be used for each product or service is not limited, but as an example, such as "Games: 500 yen", "Books: 3,000 yen", etc. The balance may also be displayed. When a store where a limited electronic money balance can be used is specified, the total available balance in each area may be displayed within the area on the map, by way of example and not limitation.

This modification example uses electronic money for each store industry (not limited to, but an example of a payment category) among a plurality of electronic money available to the user of the information processing device, including the first electronic money and the second electronic money. This figure shows a configuration in which the information processing device performs control to display the total possible balance (not a limitation, but an example of the amount that can be used) on the information processing device.
As an example of the effect of the embodiment obtained by such a configuration, out of a plurality of electronic money that can be used by the user of the information processing device, including the first electronic money and the second electronic money, it is possible to use the electronic money for each payment category. It becomes possible to inform the user of the information processing device of the possible amount of money, and convenience can be improved.

<Eleventh Example>
In the 11th embodiment, the remainder of the restricted electronic money balance transferred from the user of the remittance source account to the user of the remittance account is transferred (refunded, returned, returned, etc.) to the user of the remittance source account based on predetermined conditions. This is an example that makes it possible to do so.

The content described in the eleventh embodiment is applicable to each of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

<Display screen>
FIGS. 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 Figure 9-2.
The left side of FIG. 11-1 is the code payment screen of the payment application displayed on the display unit 24 of the terminal 20A, and when payment is made based on the wallet code information displayed in the wallet code information display area WCR1, the screen shown in FIG. -1 Payment result information as shown on the right side will be 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, B's account, and "1,000 yen" from the restricted electronic money whose notification destination account is user ．． It shows that ``2,800 yen'' was each paid from the restricted electronic money in C's account.

As a result, the notification destination account is set to user C. The limited electronic money in C's account has been reduced to ``3,000 yen - 2,800 yen = 200 yen.'' Here, a case will be exemplified in which the remaining amount "200 yen" of this restricted electronic money is remitted to the remittance source account based on the fact that the remaining amount "200 yen" is less than a predetermined value.
In this example, the source account is the same user as the destination account, C. Let's use C's account. Therefore, via the server 10, the user A. User C. from A's account. ``200 yen'' is transferred to C's account.

The left side of FIG. 11-2 is a diagram showing an example of the payment application notification screen displayed on the display unit 24 of the terminal 20A in this case.
On the left side of the notification area, payment result information PR1 indicating that the payment has been made is displayed, and below that, user C. Restricted electronic money refund information RF1 indicating that "200 yen" of restricted electronic money was remitted to C is displayed.

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

The right side of FIG. 11-2 is a diagram showing 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", and only the normal electronic money balance remains. As a result, in the balance display area BR2, the words "Balance", a balance of "2,500 yen" (normal electronic money balance), and a charge button CBT are displayed.

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

By way of example and not limitation, a payment process with a continuous restriction 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 that is less than or equal to a predetermined value among the restricted electronic money balances after the consecutive restricted payment processing (S610).

Here, the predetermined value is, by way of example and not limitation, the balance determined by the user of the server 10 or the user of the terminal 20 ("200 yen", by way of example and not limitation). Note that the control unit 11 of the server 10 may determine whether there is a restricted electronic money balance that is less than a predetermined value. Furthermore, it may be determined whether or not there is a restricted electronic money balance that is less than or equal to a predetermined value among the restricted electronic money balances after the restricted payment processing (S610), or it may not be necessary to do so. Good too.

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

When the limited electronic money return process is executed, the control unit 11 of the server 10 sends limited electronic money return result information to the terminal 20A and the terminal 20B of the account of the remittance source ID that has returned the limited electronic money balance. (S630).

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

When the limited electronic money return result information is received from the server 10 through the communication I/F 22 (A610: YES), the control unit 21 of the terminal 20A displays the received limited 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 ends the process. The same applies to the terminal 20B.

<Effects of the 11th embodiment>
In this embodiment, the balance of the restricted electronic money balance (not limited, but an example of first electronic money) by the user of the terminal 20A (not limited, but an example of an information processing device) becomes less than or equal to a predetermined value (not limited, but an example of an information processing device). As an example, the balance of the first electronic money is remitted to the user of the terminal 20B (an example of the first information processing device, but not limited to) based on the conditions for use), with a restriction indicating that the remittance has been made. This figure shows a configuration in which the information processing device receives electronic money return result information (not a limitation, but an example of first information) 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. It can be made so that Note that this may be interpreted as the balance of the first electronic money being refunded, returned, or returned to the user of the first information processing device.

<Eleventh modification (1)>
In the above embodiment, if the limited electronic money balance becomes less than or equal to a predetermined value after executing the continuous limited payment process, the limited electronic money balance is transferred to the user of the remittance source ID, but the present invention is not limited thereto. By way of example and not limitation, the remittance may be made to any other user (account) specified by the user of the remittance source ID.

<Eleventh modification (2)>
In the above embodiment, when the limited electronic money balance becomes less than or equal to a predetermined value, the limited electronic money return process is executed, but the present invention is not limited to this. By way of example and not limitation, approval to execute the limited electronic money return process may be obtained at the terminal 20A that made 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 modification.
The left side of FIG. 11-4 is a diagram showing an example of a code payment screen displayed on the display unit 24 of the terminal 20A.
When a payment is made based on the wallet code information displayed in the wallet code information display area WCR1, payment result information as shown in the center of FIG. 11-4 is displayed. After that, as shown on the right side of Figure 11-4, as an example and not a limitation, the restricted electronic money is superimposed on a part of the payment result information to confirm whether or not to return the remaining amount of the restricted electronic money. Return approval confirmation information RA1 is displayed.

This restricted e-money return approval confirmation information RA1 includes, by way of example and not limitation, the text "Do you want to return the limited e-money?" and the amount to be remitted for the purpose of return (in this example, "200 yen"). ), an illustration showing that the user of the destination account (in this example, "User C.C.") will be notified of restricted electronic money usage upon return, and the user of the remittance source account (in this example, "User C.C."). An illustration showing that remittance is to be made to "C") is included.

Further, below it, a "return" button BT91 for approving the return and a "stop" button BT92 for refusing the return are displayed, and when the "return" button BT91 is tapped, , the remaining amount of restricted electronic money is transferred to user C. It will be returned to C.

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

If there is a restricted electronic money balance that is less than or equal to 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 receiving the limited electronic money return approval confirmation information from the server 10 through the communication I/F 22 (A630: YES), the control unit 21 of the terminal 20A causes the display unit 24 to display the limited electronic money return approval confirmation information ( A640). As an example and not a limitation, if it is selected to return (remit) the limited electronic money balance based on the input (user operation) to the input/output unit 23 of the terminal 20A (A640: YES), the control of the terminal 20A The unit 21 transmits limited 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 ends the process.
If it is not selected to return (remit) the limited electronic money balance (A640: NO), the control unit 21 of the terminal 20A ends the process.

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

Note that approval to execute the limited electronic money return process may or may not be obtained at the terminal 20B of the remittance source ID. Further, if approval is obtained from both the payer's terminal 20A and the remittance source ID's terminal 20B, the limited electronic money return process may or may not be executed.

In this modification, the second information for remitting 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 user's input of the information processing device regarding the second information. Further, 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, the information processing device may 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. The user of the information processing device can be notified by displaying the second information on the display unit. Further, the balance of the first electronic money can be transferred to the user of the first information processing device based on the input by the user of the information processing device to the second information displayed on the display unit. As a result, by way of example and not limitation, it is possible to notify the user of the information processing device that the remittance has been made by displaying the first information on the display unit of the information processing device.

<Eleventh modification (3)>
In the above embodiment, the condition for executing the limited electronic money return process is described where the limited electronic money balance becomes equal to or less than a predetermined value after executing the continuous limited payment process, but the present invention is not limited to this. Conditions for executing the limited electronic money return process include, by way of example and not limitation, the following.
- If the restricted electronic money balance becomes or falls below a predetermined percentage of the balance at the time of remittance (as an example, not a limitation, "5%").
As an example and not a limitation, if you receive a restricted electronic money balance of "10,000 yen", after executing continuous restricted payment processing, the restricted electronic money balance will be "10,000 yen" x "5%" = If the amount is less than 500 yen, limited electronic money return processing is executed.
・When a predetermined period of time (for example, 24 hours, not a limitation) has passed until the expiry date of the restricted electronic money balance.
As an example and not a limitation, if the expiration date is set to "within July 23, 2021" which is "7 days later" due to the first use of a restricted e-money balance, then "July 23, 2021 at midnight" 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. The due date may also be determined.
- When the limited electronic money balance is used a predetermined number of times (for example, "10" times, not limited).
By way of example and not limitation, if a certain restricted electronic money balance is used in 10 consecutive restricted payment processes (restricted payment processes), a restricted electronic money return process is executed.

This modification shows a configuration in which the conditions regarding the use of the first electronic money include conditions regarding the balance of the restricted electronic money or the ratio of the balance to the amount of restricted electronic money transferred to the terminal 20.
As an example of the effect of the embodiment obtained by such a configuration, the first electronic money is transferred 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 balance can be appropriately transferred to the user of the first information processing device.

Furthermore, this modification shows a configuration in which the conditions regarding the use of the first electronic money include conditions regarding the period during which the terminal 20 can make payments using restricted electronic money.
As an example of the effect of the embodiment obtained by such a configuration, based on the conditions regarding the period during which the information processing device can make payments using the first electronic money, the balance of the first electronic money is It is possible to ensure that money is sent to the user appropriately.

Furthermore, this modification shows a configuration in which the conditions regarding the use of the first electronic money include conditions regarding the number of times payments have been made using 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 appropriate for the user of the first information processing device based on the condition regarding the number of times payments have been made using the first electronic money. You can have the money sent to you.

<Eleventh modification (3)>
In the above embodiment, when the limited electronic money return process is executed, the balance is transferred to the account of the remittance source ID, but the present invention is not limited thereto. By way of example and not limitation, the amount may be transferred to the regular 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 less than or equal to a predetermined value after executing the continuous limited payment process, the fractional balance is incorporated as the normal electronic money balance.

In addition, if the balance of the restricted e-money balance falls below the predetermined value after executing the continuous restricted payment process, the remaining restricted e-money balance will be deducted if the sender's (remitter ID's account) consent is obtained. The money may be transferred to the normal electronic money balance. Further, if the consent of the sender (account of the sender ID) is obtained, the restricted electronic money balance may be transferred to the normal electronic money balance at any timing.

<12th example>
In the above embodiment, the restricted electronic money balance is managed separately for each remittance.
The twelfth embodiment is an example in which two restricted electronic money balances with the same usage restriction are merged to be managed and used as one restricted electronic money balance.

The content described in the twelfth embodiment is applicable to each of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

<Data structure>
FIG. 12-1 is a diagram showing an example of the data structure of the 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, an application ID, a normal electronic money balance, limited electronic money management data, merged limited electronic money management data, and limited electronic money management data. Electronic money usage history data and electronic money usage restriction management data are stored.

The merged restricted electronic money management data manages information regarding two or more restricted electronic moneys (hereinafter referred to as "merged restricted electronic money") that were merged in the restricted electronic money merging process described below. As an example and not a limitation, a merging management ID, a pre-merging remittance management ID, and a merging 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, and as an example and not a limitation, a different ID may be assigned by the server 10 each time the restricted electronic money merging process is executed by the server 10. Set and memorized.

The pre-merger remittance management ID is data for managing information regarding the restricted electronic money that is the target of merging.As an example and not a limitation, when the restricted electronic money merging process is executed by the server 10, the merging The remittance management ID of the targeted restricted electronic money is added and stored.

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

When the restricted electronic money merging process is executed, the restricted electronic money balance stored in the pre-merging remittance management ID cannot be used. In the account management database 155J, a 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 an example and not a limitation, in the restricted electronic money management data, the restricted electronic money with the remittance management ID "T02109" has been merged with the restricted electronic money with the merging management ID, so the restricted electronic money balance is is written as "(1000 yen)". The amount in parentheses is, by way of example and not limitation, the limited electronic money balance at the time when the limited electronic money merging process is executed. Therefore, it can be seen that the restricted electronic money with the remittance management ID "T02109" cannot be used (it has been merged).

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

Note that information regarding a notification destination account such as a 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, which will be explained below, it is assumed that no restrictions regarding notifications are set, and only restrictions regarding stores where they can be used are set.

FIG. 12-2 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 is the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, and the balance display area BR2 shows the limited electronic money balance (in this example, "1,000 yen"). , restriction mark RMK are displayed. Here, a state in which the restriction mark RMK is tapped by the user is shown.

In this case, by way of example and not limitation, usable store information including information on the business type of stores where this restricted electronic money can be used is displayed in a speech bubble. In this example, "Books/Stationery" is displayed as the industry type of the store where limited electronic money can be used. The balance of this restricted electronic money is transferred to the remittance source account of user B. This is the balance based on the first restricted electronic money that 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 a 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. User A. from C's account. Assume that "2,000 yen" is transferred 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.

The first restricted electronic money and the second restricted electronic money are both available in the same store where the business type is "books/stationery". In this case, based on the fact that the business types of stores that can be used are the same, by way of example and not limitation, when the second restricted electronic money arrives, the server 10 merges these two restricted electronic money. ) to be done.

The right side of FIG. 12-2 is a diagram showing 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 fact that the restricted electronic money has been merged, "1,000 yen + 2,000 yen = 3,000 yen" is displayed in the balance display area BR2 as the balance of the merged restricted electronic money. Here, a state in which the restriction mark RMK is tapped by the user is shown.

In this case, by way of example and not limitation, usable store information including industry type information of stores where the merged limited electronic money can be used is displayed in a balloon, similar to the screen on the left side of FIG. 12-2. In this example, "Books/Stationery" is displayed as the industry type of the store where the merged limited electronic money can be used.

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

By way of 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 conditions (restrictions) set in the first restricted electronic money remittance setting process are referred to as "first restrictions." By way of 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. 7-5, and receives the first restricted electronic money remittance result. The information is transmitted (S720). When the control unit 21 of the terminal 20A and the control unit 21 of the terminal 20B receive the first restricted electronic money remittance result information, they 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. 7-5, by way of example and not limitation, and The money remittance request information is transmitted to the server 10 (B725). The conditions (restrictions) set in the second restricted electronic money remittance setting process are referred to as "second restrictions." By way of example and not limitation, the control unit 11 of the server 10 executes the second restricted electronic money remittance process in the same manner as S410 in FIG. 7-5 (S715).
Note that steps B715 to B725 may be executed in a terminal 20 other than the terminal 20B.

Then, by way of example and not limitation, the control unit 11 of the server 10 reads out 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 It is determined whether or not restricted electronic money to which restrictions (in this example, usable store industry and notification destination ID) exist exists (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 an example and not a limitation, add up the balances of the first restricted electronic money and the second restricted electronic money, and use the generated merged management ID and the merged restricted electronic money balance of the merged restricted electronic money management data. Associate and memorize. Further, the control unit 11 of the server 10 adds the remittance management IDs of two or more restricted electronic moneys that are determined to have the same restrictions to the pre-merger remittance management ID. The control unit 11 of the server 10 disables two or more restricted electronic money balances that are determined to have the same restriction in the restricted electronic money management data ("store with parentheses attached").

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

When receiving the restricted electronic money merging result information from the server 10 through the communication I/F 22 (A720: YES), the control unit 21 of the terminal 20A displays the received restricted electronic money merging result information on the display unit 24 ( A730). If the limited electronic money merging result information is not received from the server 10 (A720: NO), the control unit 21 of the terminal 20A skips step A730.

Note that the control unit 11 of the server 10 may transmit the limited electronic money merging result information to the terminal 20B of the account with the remittance source ID of the limited electronic money that has been merged, or may not do so. You can. When receiving the restricted electronic money merging 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 merging result information.

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

When the control unit 21 of the terminal 20A and the control unit 21 of the terminal 20B receive the second limited electronic money remittance result information, they display it on the display unit 24 (A715/B735).

Note that after the electronic money balance to be used for payment is selected by the user, at or before step A120, the control unit 21 of the terminal 20A selects the remittance management ID or merge management ID corresponding to the selected restricted electronic money balance. The ID can be sent to the server 10.
In addition, when the first restricted electronic money and the second restricted electronic money have been merged through 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. You can prevent money from being displayed. 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 exist. It may be arranged not to transmit the information to the terminal 20A as if the information is not transmitted. By doing so, the terminal 20A and the server 10 can be prevented from using the restricted electronic money that has been merged.

If a merged management ID is specified as electronic money used for payment, it will be used in accordance with the usage restrictions associated with the designated merged management ID stored in the remittance management ID of the electronic money usage restriction management data in restricted payment processing. It is determined whether or not the transaction is possible, and the payment process is executed by consuming the merged limited electronic money balance.

<Effects of 12th Example>
The present embodiment is a program executed by a server 10 (an example of a server that stores electronic money in association with a user of a terminal 20A (an example of a first terminal, not a limitation)), which is executed by a terminal. 20B (not a limitation, but an example of a second terminal), the first limit is set by the user of the second terminal, and the first limit electronic money (not a limitation, but an example of the first electronic money) is transferred from the second terminal to the first terminal. example) and the user of the first terminal, and the second restriction is set by the user of the terminal 20C (an example, not a limitation, of the third terminal), and remittance is transferred from the third terminal to the first terminal. A process of associating electronic money with a second restriction (not a restriction, but an example of second electronic money) and a user of the first terminal is performed by a control unit of the server, and the first restriction and the second restriction are performed. Based on the above, the control unit performs a limited electronic money merging process (not a limitation, but an example of a 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). 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 money based on the first electronic money and the second electronic money is transferred to the user of the first terminal. can be associated with. In other words, it becomes possible to merge electronic currencies with restrictions set based on those restrictions.

Further, in this embodiment, the first restriction includes at least one of a restriction on purchasable products, a restriction on purchasable stores, and a restriction on notifications, and the second restriction includes a restriction on purchasable products, a restriction on purchaseable stores, and a restriction on notifications. This shows a configuration including at least one of possible store restrictions and notification restrictions.
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 notifications, and a restriction on purchasable products. , the third electronic money based on the first electronic money and the second electronic money is provided to the user of the first terminal based on the second restriction including at least one of the restrictions regarding the store where it can be purchased and the restrictions regarding the notification. can be associated.

Furthermore, this embodiment shows a configuration in which the merged limited electronic money (as an example, not a limitation, an example of third electronic money) is 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, which is the sum of 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, if restricted electronic money with the same restriction exists, it is automatically merged, but the invention is not limited to this. As an example and not a limitation, if it is determined that the restrictions are the same, the restricted electronic money merging process may be executed based on an approval operation by 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 is a diagram showing an example of the main menu screen of the payment application displayed on the display unit 24 of the terminal 20A, and corresponds to the screen on the left side of FIG. 12-2.

In the center of FIG. 12-4, user C. User A from C's account. "2,000 yen" is transferred to user A's account as second restricted electronic money, and user A. This is an example of a display screen when A receives the message. The balance display area BR2 displays the balance of the first restricted electronic money "1,000 yen", the balance of the second restricted electronic money "2,000 yen", and the regular electronic money balance " 500 yen" are displayed individually.

Further, the restricted electronic money merging confirmation information MCR1 transmitted from the server 10 to the terminal 20A based on the fact that the first restricted electronic money and the second restricted electronic money can be used in the same industry type is It is displayed superimposed on the main menu screen.

Specifically, the restricted electronic money merging confirmation information MCR1 includes the text "Do you want to combine restricted electronic money?" and the first restricted electronic money balance (which is the restricted electronic money to be merged). In this example, "1,000 yen") and the restriction mark RMK, and the second restricted electronic money balance (in this example, "2,000 yen") and the restriction mark RMK are displayed. Below that, it is shown that the industry type of the store where the first restricted electronic money and the second restricted electronic money can be used in common is "Books/Stationery."

Further, below that, a "combine" 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 merging are displayed. ing.

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

Note that although the above screen diagram illustrates the case of first restricted electronic money and second restricted electronic money, user A. If A owns 3 or more restricted electronic money that can be merged, information on whether to combine 3 or more restricted electronic money into one is displayed as restricted electronic money merging confirmation information. You can.

As an example and not a limitation, if it is determined that the restrictions are the same (S730: YES) in S730 of FIG. The confirmation information is transmitted to the terminal 20A via the communication I/F 14. 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 controls the merging of restricted electronic money. The approval information is transmitted to the server 10 via the communication I/F 22.
When receiving the restricted electronic money merging approval information from the terminal 20A, the control unit 11 of the server 10 executes the restricted electronic money merging process.

In addition, if it is determined that the restrictions are the same, the restricted electronic money will be merged based on the approval operation of the user of the remittance source ID of the first restricted electronic money and the second restricted electronic money to be merged. The process may be executed. In this case, if approval is obtained from both the user of the remittance source ID of the first restricted electronic money and the user of the remittance source ID of the second restricted electronic money, the restricted electronic money merging process is executed. Alternatively, if approval is obtained from either party, limited electronic money merging processing may be executed.

In addition, if the remittance source ID of the restricted electronic money before merging is 3 or more (to merge 3 or more restricted electronic money), in order to execute the restricted electronic money merging process, each remittance source must be Approval from all users of the ID may be required, or approval from a predetermined number (by way of example and not limitation, a majority) may be required.

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

Here, examples of how the first limit and second limit are close include the following, not as a limitation but as an example.
- The first restriction includes the second restriction.
- The second restriction includes the first restriction.
-The first restriction and the second restriction are similar.

In the case where the second restriction includes the first restriction (or the first restriction includes the second restriction), the following examples are given as examples rather than limitations.
- Inclusion relationship of notification destination As an example and not a limitation, first restriction = notification destination is user A. A and user B. B. Second restriction = notification destination is user A. In the case of A (or user B.B), the first restriction includes the second restriction.
・Inclusion relationship of usable store industries and service industries As an example and not a limitation, the first restriction = can be used in "convenience stores" and "books/stationery", and the second restriction = can be used in "convenience stores" (or "books and stationery") If possible, the first restriction includes the second restriction.
・Inclusion relationship of products and services that can be purchased As an example and not a limitation, if the first restriction = can be used for "entertainment" and the second restriction = can be used for "game software" (or "music purchase", etc.), The first restriction includes a second restriction.
・Inclusion relationship regarding usable date and time and time zone As an example, not a limitation, first restriction = usable from 9:00 to 21:00, second restriction = usable from 12:00 to 13:00 , the first restriction includes the second restriction. Furthermore, if the first restriction = usable in June, the month of remittance, and the second restriction = usable on June 15, the day of the excursion, the first restriction includes the second restriction.

When the first restriction and the second restriction are similar, the following example may be given as an example rather than a limitation.
・Similarity of notification destinations As an example and not a limitation, if the first restriction = notification to the payer's father and the second restriction = notification to the payer's mother, the notification recipients are both first degree relatives, so they are similar.
- Similarity of products and services that can be purchased As an example and not a limitation, the first restriction = X. Home appliances from company X can be purchased, second restriction = Y. If company Y's home appliances are available for purchase, they are similar because products of the same product type are available for purchase. Moreover, the first restriction=X. Home appliances from company X can be purchased, second restriction = X. If Company X's food and drink products are available for purchase, they are similar because products from the same manufacturer are available for purchase.
・Inclusion relationship regarding usable dates and time zones As an example, not a limitation, the first restriction = usable from 11:00 to 13:00, and the second restriction = usable from 12:00 to 14:00. If so, a predetermined percentage (50% or more, as an example, not a limitation) of the permitted usage time (in this example, both the first and second restrictions are 2 hours) during the available time period is covered. therefore similar.

This modification applies to at least one of the following cases: the first restriction includes the second restriction, the second restriction includes the first restriction, and the first restriction and the second restriction are the same restriction. , a configuration in which the control unit performs a 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 is executed by the server.
Examples of the effects of the embodiment obtained by such a configuration include a case where the first limit includes a second limit, a case where the second limit includes the first limit, and a case where the first limit and the second limit are the same limit. In at least one of the cases, the third electronic money based on the first electronic money and the second electronic money is associated with the user of the first terminal based on the first restriction and the second restriction. It can be done.

<Twelfth modification (3)>
In the above embodiment, in the limited electronic money merging process, the sum of the first limited electronic money balance and the second limited electronic money balance to be merged is set as the merged limited electronic money balance. However, it is not limited to this. As an example and not a limitation, the merged limited electronic money balance may be calculated using the following formula.
“Merged restricted electronic money balance” = “1st restricted electronic money balance” + “2nd restricted electronic money balance” + “merged bonus”
Here, the merger bonus is a bonus balance obtained by merging restricted electronic money, and is not limited to, but is an example of 10% of the total value of the first restricted electronic money balance and the second restricted electronic money balance. It can be set as %, etc.

Note that the merged restricted electronic money balance may be calculated using the following formula.
"Merged limited electronic money balance" = "1st limited electronic money balance" + "2nd limited electronic money balance" - "Merged onus"
Here, the merging onus is the balance borne by the user of the terminal 20 by merging the restricted electronic money, and is not a limitation, but is an example of the balance of the first restricted electronic money and the second restricted electronic money. It can be set at 5% of the total value, etc.

<Twelfth modification (4)>
In the above embodiment, even after merging the first restricted electronic money balance and the second restricted electronic money balance, the association of records indicated by the respective remittance management IDs is saved from the restricted electronic money management data. Although an example has been shown, the invention is not limited to this.

FIG. 12-5 is an example of account management data included in the account management database 155H before the limited electronic money merging process is executed in this case.
The restricted electronic money with the remittance management ID "T02109" and the restricted electronic money with the remittance management ID "T02572" are the same usable store industry in the electronic money usage restriction management data, so the restricted electronic money merging process is performed. is executed.

FIG. 12-6 is an example of account management data included in the account management database 155H after the limited electronic money merging process is executed.
In this figure, a remittance management ID "T90001" is newly issued (generated) based on the execution of the limited electronic money merging process. Then, as the remittance source ID of the restricted electronic money with the remittance management ID "T90001", the remittance source ID "U0002" of the restricted electronic money with the remittance management ID "T02109" and the restricted electronic money with the remittance management ID "T02572". The remittance source ID "U0003" is stored. In addition, the restricted electronic money balance of remittance management ID "T90001" includes the restricted electronic money balance of "1,000 yen" with remittance management ID "T02109" and the restricted electronic money balance of "1,000 yen" with remittance management ID "T02572". 2,000 yen" and "3,000 yen" is stored.

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

<Twelfth modification (5)>
In the above embodiment, 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 as data after the restricted electronic money merging process. , 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 limited electronic money merging process. However, merged flag information indicating that they have been merged is added to the restricted electronic money with the remittance management ID "T02109" and the restricted electronic money with the remittance management ID "T02572." In this case, when the control unit 21 of the terminal 20A sends electronic money balance request information requesting a list of electronic money balances to the server 10, the control unit 11 of the server 10 sends the normal electronic money balance and limited electronic money management. data to the control unit 21 of the terminal 20A. Then, the control unit 21 of the terminal 20A adds the restricted electronic money balance to which the merged flag information has been added, based on the received restricted electronic money management data, 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 has been added.

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

<Twelfth modification (6)>
In the above embodiment, after the first restricted electronic money remittance process and the second restricted electronic money remittance process are executed, the first restricted electronic money and the second restricted electronic money are merged. Although the electronic money merging process is executed, the present invention is not limited to this. As an example and not a 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 controller 11 executes the second restricted electronic money remittance request. Based on the information, it is determined whether the second restriction and the remittance-processed first restriction are the same restriction. If the restrictions are the same, the control unit 11 of the server 10 may execute a restricted electronic money merging process in which the first restricted electronic money and the second restricted electronic money are merged. . If the restrictions are not the same, the control unit 11 of the server 10 executes electronic money remittance processing with a second restriction.

In this case, the data structure shown in FIG. 12-6 may be used as an example and not a limitation. In addition, as an example and not a limitation, in the data structure shown in Figure 12-1, in the restricted electronic money merging process, changes to the restricted electronic money management data based on the second restricted electronic money remittance request information and merging The limited electronic money management data may be changed.

<Twelfth modification (7)>
In the above embodiment, by executing the restricted electronic money merging process that targets the first restricted electronic money and the second restricted electronic money, the merged restricted electronic money identified by the merging management ID is generated, but is not limited to this. As an example and not a limitation, by unmerging generated merged restricted electronic money, it may be divided (restored) into first restricted electronic money and second restricted electronic money.

In this case, the first restricted electronic money balance and the second restricted electronic money balance after the split (restoration) are the merged restricted electronic money balance at the time of the split, and are not limited to the combined restricted electronic money balance. It can be calculated by distributing the balance according to the balance ratio in "()" stored in the electronic money balance.

In addition, in order to cancel the merging of the generated merged limited electronic money, approval may be required at the terminal 20A of the remittance account. Further, in order to cancel the merging of the generated merged limited 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 has been exemplified in which the restricted electronic money merging process is executed in which the first restricted electronic money and the second restricted electronic money are to be merged, but the present invention is not limited thereto. As an example and not a limitation, in the first combined limited electronic money that is a combination of the first limited electronic money and the second limited electronic money, and the third limited electronic money, the first combined limited electronic money and the third limited electronic money are combined. If the restrictions are the same, a restricted electronic money merging process may be executed in which the first merged restricted electronic money and the third restricted electronic money are to be merged.

In this case, in the restricted electronic money merging process, the control unit 11 of the server 10 associates the pre-merging remittance management ID with the merging management ID of the first merged restricted electronic money in the merged restricted electronic money management data. The remittance source ID of the third restricted electronic money is added to and stored. Further, the first merged restricted electronic money balance and the third restricted electronic money balance are added to the merged restricted electronic money balance and stored. Then, the third restricted electronic money balance of the restricted electronic money management data is made unusable.

In addition, in the restricted electronic money merging process, the control unit 11 of the server 10 generates a new merging management ID in the merged restricted electronic money management data, and combines it with 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 pre-merger remittance management ID. Then, the first merged restricted electronic money balance and the third restricted electronic money balance may be added and stored in association with the newly generated merged management ID. In this case, the control unit 11 of the server 10 makes the first merged limited electronic money balance unusable (as an example and not a limitation, it is enclosed in "()").

In addition, 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. It may also be executed. In this case, as an example and not a limitation, the processing method for merging limited electronic money is to associate the remittance source ID of the second merged restricted electronic money with the merging management ID of the first merged restricted electronic money. The amount obtained by adding the first combined limited electronic money balance and the second combined limited electronic money balance is stored as the combined limited electronic money balance.

Or, issue a new merging management ID, associate it with the issued merging management ID, and set 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 merging. The amount obtained by adding the first merged limited electronic money balance and the second merged limited electronic money balance to the remittance management ID is stored in the merged limited electronic money balance. Then, the control unit 11 of the server 10 makes the first merged limited electronic money balance and the second merged limited electronic money balance unusable.

<Twelfth modification (9)>
If a refund occurs when a product or service is returned, and if a combined limited electronic money balance is used for payment, the refunded amount will be added to the combined limited electronic money balance used for payment. You may also do so.

In this case, when refunding at least a portion of the merged limited electronic money used by the user of the remittance account, the control unit 11 of the server 10 transfers the payment ID sent from the store POS system 40 to the payment history management data. Specify from 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 155J, and determines the remittance management ID corresponding to the specified payment ID. Identify. If merged limited electronic money is used at the time of payment, this remittance management ID will include the merge management ID.

If the merged management ID exists in the remittance management ID corresponding to the specified payment ID, it means that at least a portion of the merged restricted electronic money has been used for the payment. Therefore, the usage amount corresponding to the specified payment ID is specified from the restricted e-money usage history data, and the usage amount is set to the merged limit of the corresponding merged management ID in the merged restricted electronic money management data. Add to your electronic money balance.

On the other hand, if the merged management ID does not exist in the remittance management ID corresponding to the specified payment ID, it means that the merged restricted electronic money was not used for the payment. Therefore, by way of example and not limitation, the process can be executed in the same manner as in the seventh modification.

<13th example>
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 in which restricted electronic money having different notification destinations but with the same usage restrictions managed by electronic money usage restriction management data is merged.

The contents described in the thirteenth embodiment are applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

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

<Display screen>
In the following example, it is assumed that both the first limited electronic money and the second limited electronic money have a notification-related restriction and a different restriction from the notification-related restriction. Further, although the first restricted electronic money and the second restricted electronic money have different notification destination accounts, the description will be made assuming that the restrictions that are different from the restrictions regarding notifications are the same.

FIGS. 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 the main menu screen displayed on the display unit 24 of the terminal 20A. In this example, the first restricted electronic money transfers the user of the destination account to user B. Let's use an account called 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 the user has a first restricted electronic money balance of "1,000 yen" and a normal electronic money balance of "500 yen", which is B.

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

Specifically, the restricted electronic money merging confirmation information MCR2 contains the words "Do you want to combine restricted electronic money?" as well as the first restricted electronic money balance (in this example, "1,000 yen"). , the notification destination account is user B. The illustration and restriction mark RMK indicating that the account is of user B, the second restricted electronic money balance (in this example, "2,000 yen"), and the notification destination account is user C. An illustration indicating that the account is from C and a restriction mark RMK are displayed.

Further, below that, the above-mentioned "put together" button BT101 and "quit" button BT102 are displayed. When the "combine" button BT101 is tapped, the server 10 merges these two restricted electronic moneys. As a result, as shown on the right side of FIG. 13-1, "3,000 yen" is displayed as the merged electronic money balance in the balance display area BR2.

Further, in this example, each notification destination account is user B. B. User C. Since the two restricted electronic money of user B.C have been merged, user B.C is the notification destination account for the merged restricted electronic money. B and user C. Both C and C are set.

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

This example shows that a product was purchased for "1,800 yen" at "XX Bookstore" and "1,800 yen" was used for payment (settlement) from the merged restricted electronic money. Additionally, this allows user B. B and user C. It is shown that a limited electronic money usage notification is given to each of C and C.

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

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

The right side of FIG. 13-3 is a diagram showing an example of a payment application notification screen displayed on the display unit 24 of the terminal 20C.
On the left side of the notification 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 A's account is displayed, and below that, user A. Restricted electronic money usage information RU122 indicating that restricted electronic money was used by A is displayed.

<Another example of notification>
Another example of the restricted electronic money usage notification will be described below. Here, the amount notified to each notification destination account is referred to as a "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 according to the balance ratio of the first restricted electronic money balance and the second restricted electronic money balance before the merger (hereinafter referred to as the "distribution amount"), in each notification. The amount will be notified to the destination account.

In this example, user B. B is user A. The amount of restricted electronic money (first restricted electronic money) remitted to user A is "1,000 yen", and user C. C is user A. The amount of restricted electronic money (second restricted electronic money) remitted to A is "2,000 yen." As a result, the balance display area BR2 of the main menu screen shown in the center of Figure 13-1 shows that the first restricted electronic money balance is "1,000 yen" and the second restricted electronic money balance is "1,000 yen". 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 B is calculated as "1,800 yen x (1000 yen ÷ 3000 yen) = 600 yen", and the distribution amount corresponding to user C. The distribution amount corresponding to C is calculated as "1,800 yen x (2,000 yen ÷ 3,000 yen) = 1,200 yen".

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

The center of FIG. 13-4 is a diagram showing an example of a payment application notification screen 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 some information included in the restricted electronic money usage information RU123 is different. This restricted electronic money usage information RU123 includes the payment destination (in this example, "XX bookstore"), user B. The distribution amount (“600 yen” as above) corresponding to user B. It is displayed as the notification amount to B.

The right side of FIG. 13-4 is a diagram showing an example of a payment application notification screen 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 some information included in the restricted electronic money usage information RU124 is different. This restricted electronic money usage information RU 124 includes the payment destination (in this example, "XX Bookstore") as well as the user C. The distribution amount corresponding to C ("1,200 yen" as above) is distributed to user C. It is displayed as the amount 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. The amount paid by A is notified to each notification destination account.

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

The center of FIG. 13-5 is a diagram showing an example of a payment application notification screen 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 user A ("1,800 yen" in this example) is transferred to user B. It is displayed as the notification amount to B.

The right side of FIG. 13-5 is a diagram showing an example of a payment application notification screen 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 user A (“1,800 yen” in this example) is transferred to user C. It is displayed as the amount 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, the first restricted electronic money before merging and the second restricted electronic money before merging are prioritized, and when using the merged restricted electronic money, the balance of the one with higher priority is used. cause the amount to be spent.

In this case, by way of example and not limitation, the priority can be given to the one with the smaller balance. That is, for each payment, the merged limited electronic money balance of the merged restricted electronic money management data is updated, and the restricted electronic money balance enclosed in "()" of the restricted electronic money management data is updated. At this time, the amount is consumed from the balance of the limited electronic money with the smaller balance. Then, the balance is updated for each payment, and when the restricted electronic money balance surrounded by "()" in the restricted electronic money management data becomes "0", the merging of the merged electronic money with notification is canceled. Then, by way of example and not limitation, the notification destination account corresponding to the restricted electronic money whose balance has become "0" is not notified.

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

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

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

The center of FIG. 13-6 is a diagram showing an example of a payment application notification screen 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 above is sent to user C. It is displayed as the amount notified to C.

The right side of FIG. 13-6 is a diagram showing an example of a payment application notification screen 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 above is sent to user C. It is displayed as the amount 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, and the balance display area BR2 shows the notification destination account for user B. The first restricted electronic money is assigned to B's account, and the notification destination account is assigned to user C. The balance of the merged limited electronic money that has been merged with the second limited electronic money that is the account of C (in this example, "3,000 yen") is shown.

After that, user A. A assigns the notification account to user B. Assume that B's account newly receives electronic money with the third restriction. In this case, as shown in the center of Figure 13-7, in addition to the balance of the above-mentioned merged electronic money ("3,000 yen" in this example), the balance display area BR2 also displays the balance of the third restricted electronic money. The balance (in this example, "1,500 yen") is displayed. Further, it is assumed that the usage restrictions other than notifications in the merged restricted electronic money are the same as the usage restrictions other than notifications in the third restricted electronic money.

Restricted electronic money merging confirmation information MCR3 includes the text "Do you want to combine restricted electronic money?" as well as the balance of the third restricted electronic money (in this example, "1,500 yen") and the account to which it will be notified. is user B. The illustration and restriction mark RMK indicating that the account is user B's account, the balance of the merged limited electronic money (in this example, "3,000 yen"), and the notification destination account is user B's account. B's account and user C. An illustration indicating that the account is from C and a restriction mark RMK are displayed.

Further, below that, the above-mentioned "put together" button BT101 and "quit" button BT102 are displayed. When the "combine" 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 merged limited electronic money balance in the balance display area BR2.

Note that, unlike the above, restricted electronic money for which notification settings have been made may not be able to be merged.
This may not cause much of a problem in the above-mentioned example of a family, but if the restricted e-money accounts for which a stranger is the notification destination are merged, This is because there is a possibility that a notification regarding the use of the merged restricted electronic money may be made.

By way of example and not limitation, user X. X and user Y. User A and Y are strangers, each setting their own account as the notification destination account. Suppose 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 may use the merged restricted electronic money. X or user Y. This is because there is a possibility that Y may receive an unexpected notification (for example, not as a limitation, such as a notification containing an amount different from the expected usage amount).

Furthermore, 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 notification settings will be carried over to the merged restricted electronic money.

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

In addition, by considering the above-mentioned embodiment, the following process can be executed in restricted electronic money with a notification (merged restricted electronic money to which a notification has been given), by way of example and not limitation.
- The terminal 20A of the account of the destination ID displays that a notification will be sent to the account of the destination ID before the limited electronic money with notification is used (third modification).
・If the terminal 20A of the account with the destination ID is set to refuse the receipt of restricted electronic money with notification, the remittance of the restricted electronic money with notification is rejected to the terminal 20B of the account with the sender ID. (Third modification).
- Block the terminal 20A of the account of the destination ID from receiving restricted electronic money with notification from the account of the terminal 20B (third modification).
- When the terminal 20A executes the process of withdrawing the restricted electronic money with notification, the control unit 11 of the server 10 transmits the information that the electronic money with notification and restriction cannot be withdrawn to the terminal 20A (fifth embodiment).

Further, even if the restricted electronic money is limited to electronic money with a notification, the same operation can be performed. In this case, two or more pieces of electronic money with notifications can be unconditionally merged. The notification pattern in this case is as described above.

<Effects of 13th Example>
In this embodiment, the first restricted electronic money has a restriction different from the first restriction as a restriction as electronic money with a notification (not a restriction, but a notification regarding the use of electronic money by the user of the first terminal). An example of a restriction) is set by the user of the second terminal. In addition, electronic money with second restrictions has a restriction different from the second restriction as electronic money with notifications (not a limitation, but an example of restrictions regarding notifications indicating that the user of the first terminal has used electronic money). ) shows the configuration set by the user of the third terminal.
As an example of the effect of the embodiment obtained by such a configuration, a restriction on notifications indicating that the user of the first terminal has used electronic money, which is different from the first restriction, is set by the user of the second terminal. third electronic money based on one electronic money and a second electronic money in which a restriction regarding notifications indicating that the user of the first terminal has used electronic money, which is different from the second restriction, is set by the user of the third terminal; may be associated with the user of the first terminal.

Furthermore, in this case, the server 10 is configured to notify the user of the first terminal based on the restriction when at least a portion of the merged restricted electronic money (an example of the third electronic money, not a limitation) is used by the user of the first terminal. Based on the restriction, the restricted electronic money usage information is sent via the communication I/F 14 to the terminal 20 (not limited to, an example of the 4th terminal) of the user of the notification destination account set by the user of the 2nd terminal. Restricted electronic money usage information can be transmitted via the communication I/F 14 to the terminal 20 (not limited to, but an example of the fifth terminal) of the user of the notification destination account set by the user of the third terminal.
As an example of the effect of the embodiment obtained by such a configuration, when at least a 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 fourth terminal set by the user of the second terminal The notification can be made to the fifth terminal set by the user of the third terminal.

In addition, in this case, the server 10 merges electronic money with first restrictions (not a limitation, but an example of first electronic money) and second electronic money (not a limitation, but an example of second electronic money). When at least a portion 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 a part of the third electronic money is used by the user of the first terminal, it is possible to prevent notification from being performed. .

Further, in this case, the server 10 associates the merged restricted electronic money (not limited, but an example of third electronic money) with a notification restriction set with the user of the first terminal, and also notifies the user of the first terminal. Processing is performed to associate restricted electronic money (not limited, but an example of fourth electronic money) with a restriction set with the user of the first terminal. In this case, the merged restricted electronic money for which a notification restriction has been set and the restricted electronic money for which a notification restriction has been set shows a configuration in which they cannot be merged.
As an example of the effect of the embodiment obtained by such a configuration, a notification-related restriction 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 a restriction regarding notification is also set for the fourth electronic money, it is possible to prevent it from being made into the fifth electronic money based on these electronic money, so to speak, from being merged.

In this case, the server 10 transmits information to the communication interface to confirm that the second terminal is notified before at least a portion 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, the first terminal may notify the second terminal before at least a portion of the first electronic money is used by the user of the first terminal. The user of the terminal can be notified.

In addition, in this case, if the user of the first terminal has made settings to not receive remittances for which notifications have been set, the server 10 does not associate the first restricted electronic money with the user of the first terminal, and Information indicating that remittance cannot be sent to the user of one terminal can be transmitted to the second terminal by 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 user's intention of the first terminal. Furthermore, it is possible to inform the user of the second terminal that remittance cannot be made to the user of the first terminal.

Furthermore, in this case, the settings for preventing the user of the first terminal from receiving remittances for which notifications have been set may include settings for blocking the user of the second terminal.
As an example of the effect of the embodiment obtained by such a configuration, by setting to block the user of the second terminal, it is possible to prevent the user from receiving remittances for which a notification has been set.

Further, in this embodiment, when the server 10 receives withdrawal request information for withdrawing at least a part of the merged limited electronic money from the user of the first terminal, It shows a configuration in which money is not accepted information is transmitted 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 withdrawal of at least a part of the third electronic money by the user of the first terminal, withdrawal is not possible. This can be notified to the user of the first terminal.

<13th modification (1)>
In the above embodiment, the notification destination is not involved in determining whether or not to execute the limited electronic money merging process, but the notification destination is not limited thereto. 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, by way of example and not limitation, a case where the relationship between the notification destination user and the remittance destination user is within the second degree of kinship. By doing this, restricted electronic money with notifications that sends notifications to close users such as family members is merged, but it is possible to avoid accidentally merging restricted electronic money with notifications that sends notifications to strangers. Can be done.

<Fourteenth example>
In the above embodiment, restricted electronic money is merged when the restrictions are the same.
The fourteenth embodiment is an example in which special restricted electronic money is not merged regardless of conditions such as restrictions.

The contents described in the fourteenth embodiment are applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

In this embodiment, by way of example and not limitation, a parent remits electronic money for errands to a child. 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. Restricted electronic money that is temporarily handed over for a certain purpose in this way is referred to as "restricted electronic money for pool use." The pool restricted electronic money may be electronic money with a notification, or may be restricted electronic money whose use is restricted by electronic money usage restriction management data. Alternatively, it may be electronic money with notification and restrictions.

At a certain predetermined time (for example, the night after running an errand), limited electronic money for pooling is automatically transferred to the account of the sender ID according to the 11th embodiment, by way of example and not limitation. It is electronic money that is remitted (returned). Therefore, it can also be treated as a normal electronic money balance with a restriction that it be remitted (returned) at a predetermined time.

<Data structure>
As for the data structure, the account management database 155J shown in FIG. 12-1 can be used by way of example and not limitation.
The restricted electronic money management data stores, by way of example and not limitation, 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 remaining amount of the restricted electronic money is remitted (returned) to the remittance source ID. The electronic money remittance date and time is, by way of example and not 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 on the terminal 20B of the remittance source account. .

<Processing>
Regarding the process, as an example and not a limitation, in step S730 of FIG. If the electronic money remittance date and time is set for money, the restricted electronic money merging process will not be executed.

Note that if the electronic money remittance date and time of the first restricted electronic money and the electronic money remittance date and time of 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 that targets restricted electronic money to be merged may or may not be executed.

By way of example and not limitation, when the control unit 11 of the server 10 executes step S470 in FIG. 7-6, the control unit 11 of the server 10 obtains the current date and time using the clock unit 19, and determines whether the electronic money remittance date and time has passed. If the electronic money remittance date and time is exceeded, the control unit 11 of the server 10 executes the steps from S620 onward in FIG. do.
The control unit 11 of the server 10 may or may not determine whether the electronic money remittance date and time has been exceeded at predetermined intervals (for example, every hour and every minute). good.

<15th example>
In the above embodiment, when the restricted electronic money merging process is executed to merge the first restricted electronic money and the second restricted electronic money, merged restricted electronic money is generated.
The fifteenth embodiment is an example in which when a restricted electronic money merging process is executed to merge restricted electronic money and normal electronic money, they are merged into normal electronic money.

The contents described in the fifteenth embodiment are applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

<Data structure>
As for the data structure, the account management database 155J shown in FIG. 12-1 can be used by way of example and not limitation. Note that if merging of restricted electronic money is not considered, the account management database 155F shown in FIG. 7-1 or the account management database 155G shown in FIG. 7-7 can be used by way of example and not limitation.

<Display screen>
FIGS. 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 (in this example, "3,000 yen"). ) and restriction mark RMK are displayed. Further, "500 yen" is displayed as the normal electronic money balance. In this example, the restriction mark RMK is tapped, and stores where this restricted electronic money can be used (in this example, "books/stationery") are displayed.

After that, when a payment of ``2,800 yen'' is made at ``XX Bookstore'' using restricted electronic money, payment result information as shown in the center of Figure 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 then displayed on the display unit 24 of the terminal 20A. In this example, based on the remaining amount of restricted electronic money of "200 yen," the method is used to merge restricted electronic money to confirm whether or not to merge this remaining amount of restricted electronic money with regular electronic money. Confirmation information MCR4 is displayed. When the above-mentioned "combine" button BT101 is tapped in the limited electronic money merging confirmation information MCR4, the display shown on the left side of FIG. 14-2 is displayed as an example and not a limitation.

The limited electronic money merging process is executed by the server 10, and the restricted electronic money is merged with normal electronic money, so that "500 yen + 200 yen = 700 yen" is displayed as the normal electronic money balance in the balance display area BR2. Displayed.

In this state, by way of example and not limitation, assume that the "withdrawal" icon IC3 is tapped. In this case, by way of example and not limitation, the screen in the center of FIG. 14-2 is displayed.
This screen is the withdrawal screen of the payment application mentioned above. Here, input is made to withdraw ``500 yen'' out of the normal electronic money balance of ``700 yen'', and the ``Withdraw'' button BT52 is clicked. A tapped state is shown.

The right side of FIG. 14-2 is a diagram showing an example of the payment application notification screen 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 Figure 14-1 is displayed, and below that, withdrawal result information WR131 indicating that a withdrawal of "500 yen" has been made. is displayed.

<Processing>
FIG. 14-3 is a flowchart showing an example of the flow of processing executed by each device in this embodiment, and shows a portion corresponding to FIG. 7-6. Note that, 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 normal electronic money charge request information, a normal electronic money charging process for charging the balance of normal electronic money to the account of the terminal 20A may be executed.

As payment balance selection information, the control unit 21 of the terminal 20A selects, by way of example and not limitation, a payment that includes the remittance management ID of the sixth restricted electronic money that has been set on an arbitrary terminal and that has been remitted to the user of the terminal 20A. 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 payment balance selection information including the merging management ID of the merged restricted electronic money that targets the merging of the first restricted electronic money and the second restricted electronic money to the server 10. You may also do so.

The control unit 11 of the server 10 executes the limited payment processing based on the received payment balance selection information (S450), and transmits the payment result information (S150). It is determined whether the balance of the limited electronic money (finished limited electronic money balance) is less than or equal to a predetermined balance (S760). Note that, in S760, the control unit 11 of the server 10 may determine whether the balance of the restricted electronic money balance (combined restricted electronic money balance) used for payment is less than a predetermined balance.

Here, the predetermined balance is an amount where the restricted electronic money balance becomes sufficiently small that it becomes difficult to use the remaining balance alone. 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. Note that 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 (combined restricted electronic money balance). In the case of limited electronic money with notification, the predetermined balance may be specified by the terminal 20 of the notification destination account.

Note that the predetermined balance is not limited to a certain set amount. As an example and not a limitation, "predetermined balance" = "remaining amount ratio" x "restricted electronic money balance at the time of remittance (combined limited electronic money balance at the time of merging)" may be used. By way of example and not limitation, the remaining amount percentage is a percentage set by the user of server 10, such as "5%." Note that the remaining amount 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 (combined restricted electronic money balance). In the case of restricted electronic money with notification, the remaining amount ratio may be specified by the terminal 20 of the notification destination account.

If it is determined that the balance of the limited electronic money balance (combined limited electronic money balance) used for payment is less than or equal to the predetermined balance (S760: YES), the control unit 11 of the server 10 merges the normal electronic money. The process is executed (S770).
In the normal electronic money merging process, the control unit 11 of the server 10 adds, by way of example and not limitation, the restricted electronic money balance of the remittance management ID determined to be less than or equal to a predetermined balance to the normal electronic money balance. Then, the record specified by the remittance management ID is deleted from the restricted electronic money management data.
If it is determined that the merged limited electronic money balance is less than or equal to the predetermined balance, the control unit 11 of the server 10 adds the merged restricted electronic money balance of the merge management ID to the normal electronic money balance. Then, the record specified by the merged management ID is deleted from the merged limited 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.

Note that normal electronic money can also be regarded as electronic money with restrictions, such as electronic money without notification and without restrictions. Therefore, the normal electronic money merging process can also be regarded as a type of limited electronic money merging process.

Further, the normal electronic money merging process may be executed without any 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 of the restricted electronic money merged in the normal electronic money merging process and the terminal 20 of the notification destination account. You can do it like this.

If it is determined that the balance of the limited electronic money balance (combined limited electronic money balance) used for payment is larger than the predetermined balance (S760: NO), the control unit 11 of the server 10 performs the steps in S770 and S780. Skip a step.

If the communication I/F 22 determines that the normal electronic money merging process result information is to be received from the server 10 (S740: YES), the control unit 21 of the terminal 20A displays the received normal electronic money merging process result information on the display unit 24. Display it (A750).
If it is determined that the normal electronic money merging process result information is not received from the server 10 (S740: NO), the control unit 21 of the terminal 20A skips step A750.

Then, by way of example and not limitation, the control unit 21 of the terminal 20A generates normal electronic money withdrawal request information regarding withdrawal of the normal electronic money balance based on the input (user operation) to the input/output unit 23 of the terminal 20A. is transmitted to the server 10 via the communication I/F 22. When the communication I/F 14 receives the normal electronic money withdrawal request information from the terminal 20A, the control unit 11 of the server 10 executes the normal electronic money withdrawal process. 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 transmits the received ordinary electronic money withdrawal processing result information to the terminal 20A. Electronic money withdrawal processing result information may be displayed on the display unit 24.

Note that, as an example and not a limitation, a restricted electronic money withdrawal regarding withdrawal from a restricted electronic money balance (combined restricted electronic money balance) is provided based on an input (user operation) to the input/output unit 23 of the terminal 20A. The money request information is sent to the server 10 via the communication I/F 22. When the communication I/F 14 receives the restricted electronic money withdrawal request information from the terminal 20A, the control unit 11 of the server 10 transmits the restricted electronic money withdrawal disable information indicating that withdrawal is not possible through the communication I/F 14. Send to terminal 20A. When the communication I/F 22 receives the restricted electronic money withdrawal information from the server 10, the control unit 21 of the terminal 20A displays the received restricted electronic money withdrawal information on the display unit 24.

<Effects of the 15th Example>
This example is an example of electronic money with a sixth restriction (as an example, not a limitation, the third restriction is set by the user of the fourth terminal, and is an example of the sixth electronic money remitted from the fourth terminal to the first terminal). and a restricted electronic money remittance process that associates the user of the terminal 20A (not limited, an example of the first terminal) with the user of the terminal 20A, and normal electronic money (not limited, but an example of the seventh electronic money for which no restrictions are set). ) and the normal electronic money charging process that associates the user of the first terminal with the user of the first terminal, are performed by the control unit of the server, and limited electronic money withdrawal request information (by way of example and not limitation, the user of the first terminal 6. When receiving an example of information regarding withdrawal of at least a portion of electronic money as cash), limited electronic money withdrawal information indicating that withdrawal in cash is not possible (for example, but not limited to, (an example of non-withdrawal information) is transmitted to the first terminal, and normal electronic money withdrawal request information (as an example, not a limitation, at least a portion of the eighth electronic money based on the sixth electronic money and the seventh electronic money) is sent to the first terminal. (an example of information related to withdrawing money as cash), the normal electronic money withdrawal process regarding withdrawing at least a part of the regular electronic money (not limited to, an example of the 8th electronic money) as cash is received. This shows a configuration in which what is performed by the control unit is executed 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 withdrawal of at least a part of the sixth electronic money, the first terminal indicates that withdrawal is not possible. It is possible to notify the user of one terminal. On the other hand, when receiving information regarding withdrawal of at least part of the eighth electronic money based on the sixth electronic money and the seventh electronic money, the information regarding withdrawal of at least part of the eighth electronic money is received. It can be made possible.

In addition, in this embodiment, limited electronic money (not limited, but an example of the sixth electronic money) is used under the condition that the limited electronic money balance is less than or equal to a predetermined balance (not limited, but an example of a set total condition). ), it can be combined with regular electronic money (not limited to, but an example of the 7th electronic money), and the 8th electronic money is the electronic money that is the sum of the 6th electronic money and the 7th electronic money. It shows the 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 form the eighth electronic money based on the set addition condition.

Furthermore, in this embodiment, the summing condition is a condition regarding a predetermined balance (not a limitation, but an example of the balance of the sixth electronic currency), or a condition regarding the remaining amount ratio (not a limitation, but of the balance of the sixth electronic currency remitted to the first terminal). The configuration includes conditions regarding (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 electronic money is transferred based on the condition regarding the balance of the sixth electronic money or the condition regarding the ratio of the balance to the amount of the sixth electronic money remitted to the first terminal. It is possible to appropriately add up the electronic money and the seventh electronic money.

<16th example>
In the above embodiment, an example is shown in which the restricted payment process is performed using the merged restricted electronic money in which the first restricted electronic money and the second restricted electronic money are merged.
The 16th embodiment is an embodiment in which continuous limited payment processing is executed using merged limited electronic money.

The content described in the 16th embodiment is applicable to any of the other embodiments and other modifications.
In addition, the same reference numerals are given to the same constituent elements as those already mentioned, and the explanation thereof will be omitted.

As an example and not a limitation, assume that in a restricted electronic money merging process in which first restricted electronic money and second restricted electronic money are to be merged, they are merged with the first merged restricted electronic money. Further, as an example and not a limitation, it is assumed that in a restricted electronic money merging process in which third restricted electronic money and fourth restricted electronic money are to be merged, they are merged with the second merged restricted electronic money.

In this case, by way of example and not limitation, after executing the restricted electronic money merging process in accordance with the flow of Figure 12-3 with reference to the 12th embodiment, with reference to the ninth embodiment and in accordance with the flow of Figure 8-3. By executing the payment process with continuous restrictions, it is possible to perform the payment process in the following combinations, by way of example and not limitation.
・Normal electronic money and 1st combined limited electronic money ・Normal electronic money and 2nd combined limited electronic money ・1st combined limited electronic money and 2nd combined limited electronic money ・Normal electronic money and 2nd combined limited electronic money 1. Merged limited electronic money and 2. Merged limited electronic money. 5. Restricted electronic money and 1. Merged restricted electronic money. 5. Restricted electronic money and 2. Merged restricted electronic money. 5 Restricted electronic money, 1st merged restricted electronic money, 2nd merged restricted electronic money, normal electronic money, 5th restricted electronic money, 1st merged restricted electronic money, 5th restricted electronic money Electronic money with the 6th restriction, electronic money with the 1st combined restriction, regular electronic money, electronic money with the 5th restriction, electronic money with the 6th restriction, electronic money with the 1st combined restriction, and electronic money with the 2nd combined restriction. Electronic money

That is, the payment can be made using any combination of normal electronic money, restricted electronic money, and merged restricted electronic money.

<Other Examples>
In the above embodiment, a "user-presented" code payment was described as a payment method using electronic money, but the present invention is not limited to this. By way of example and not limitation, the process may be performed using a "store-presented" code payment.
In this case, the store POS system 40 is unnecessary. As for the process of "store presentation type" code payment, first, the control unit 21 of the terminal 20A transmits wallet payment request information, and then the server 10 transmits account identification information to the terminal 20. By way of example and not limitation, the control unit 21 of the terminal 20A uses the imaging unit 27 to read store information (store identification code information) presented at the store where payment is made. Note that the control unit 21 of the terminal 20A may use the imaging unit 27 to capture an image of the product or service to be purchased, and may identify the product or service to be purchased based on the captured image. Unlike "user-presented" code payment, the control unit 21 of the terminal 20A can determine the available balance of each restricted electronic money before inputting the payment amount. Therefore, in the "store presentation type" code payment, the payment amount can be input by referring to the total available balance. The control unit 21 of the terminal 20A transmits store information and captured images to the server 10, and calculates the total available balance based on the store information and captured images received by the server 10. 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 sends payment request information that includes at least account identification information, store information, and the payment amount. The information is transmitted to the server 10, and the server 10 executes payment processing (payment processing with restrictions and payment processing with continuous restrictions) based on the received payment request information.

Note that as a payment method using electronic money, a payment method using near field 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 the communication I/F 54 receives the wallet code information from the terminal 20A, payment request information is transmitted to the server 10 based on the received wallet code information.

<Others>
In the above embodiment, an example of making a payment using a terminal is illustrated, but the present invention is not limited to this. By way of example and not limitation, account management data is linked to the account of the user of server 10A in a plurality of servers 10 (server 10A, server 10B, . . . ). Further, account management data is linked to the user's account on the server 10B. Then, the server 10A may execute the process executed on the terminal 20A, and the server 10B may execute the process executed on the terminal 20B.
Note that the information processing device of the remittance source account may be the server 10B, and the information processing device of the remittance destination account may be the terminal 20A, or it is not necessary to do so. Further, the information processing device of the remittance source account may be the terminal 20B, and the information processing device of the remittance destination account may be the server 10A, or it is not necessary to do so.

1 Communication system 10 Server 20 Terminal 30 Network 40 Store POS system

Claims (17)

A program executed by a server that associates and stores a user of a first terminal and electronic money,
a process of associating first electronic money remitted from the second terminal to the first terminal with a first restriction set by the user of the second terminal and the user of the first terminal; and a user of the third terminal. performing, by the control unit of the server, a process of associating second electronic money remitted from the third terminal to the first terminal with a second restriction set by the user of the first terminal; ,
At least one of the following: the first restriction includes the second restriction, the second restriction includes the first restriction, and the first restriction and the second restriction are the same restriction. In this case, the control unit performs a process of associating third electronic money based on the first electronic money and the second electronic money with the user of the first terminal based on the first restriction and the second restriction. and are performed by the server. The program according to claim 1 ,
The first restriction includes at least one of a restriction on products that can be purchased, a restriction on stores that can be purchased, and a restriction on notifications,
The second restrictions include at least one of restrictions regarding purchasable products, restrictions regarding purchasable stores, and restrictions regarding notifications. The program according to claim 1 ,
The first electronic money has a restriction set by the user of the second terminal regarding a notification indicating that the user of the first terminal has used the electronic money, which is different from the first restriction.
For the second electronic money, a restriction regarding a notification indicating that the user of the first terminal has used electronic money, which is different from the second restriction, is set by the user of the third terminal. 4. The program according to claim 3 ,
When at least a portion of the third electronic money is used by the user of the first terminal, the communication unit of the server sends the notification to the fourth terminal set by the user of the second terminal based on the notification restrictions. and transmitting the notification by the communication unit to a fifth terminal set by the user of the third terminal based on the restriction regarding the notification. 4. The program according to claim 3 ,
When at least a portion of the third electronic money based on the first electronic money and the second electronic money is used by the user of the first terminal, the control unit controls not to transmit the notification. is performed by the server. The program according to any one of claims 1 to 5 ,
Processing is performed to associate the third electronic money, for which a restriction regarding a notification indicating that the user of the first terminal has used electronic money, with the user of the first terminal, and the restriction regarding the notification is set. The control unit executes a process of associating the fourth electronic money with the user of the first terminal by the server;
The third electronic money for which the notification-related restrictions are set and the fourth electronic money for which the notification-related restrictions are set are fifth electronic money based on the third electronic money and the fourth electronic money. cannot be controlled. 4. The program according to claim 3 ,
Before at least a portion of the first electronic money is used by the user of the first terminal, the communication unit of the server transmits information regarding the notification to the second terminal to the first terminal. is performed by the server. 8. The program according to claim 7 ,
If the user of the first terminal has set up not to receive remittances for which the notification has been set, the first electronic money is not associated with the user of the first terminal, and the user of the first terminal The server executes sending remittance impossible information to the second terminal by the communication unit indicating that remittance is not possible to the user. 9. The program according to claim 8 ,
The setting for the user of the first terminal not to receive the remittance for which the notification is set includes a setting for blocking the user of the second terminal. The program according to any one of claims 1 to 9 ,
When the communication unit of the server receives information regarding withdrawal of at least a portion of the third electronic money by the user of the first terminal, withdrawal prohibition information indicating that withdrawal is not possible is sent to the third electronic currency. Sending to one terminal is performed by the server. The program according to any one of claims 1 to 9 ,
A process of associating 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 and the user of the first terminal, and the restriction is set. performing a process of associating a user of the first terminal with a seventh electronic currency that does not exist, by the control unit;
If information regarding withdrawal of at least a portion of the sixth electronic money is received by the user of the first terminal, transmitting withdrawal prohibition information indicating that withdrawal is not possible to the first terminal; When receiving information regarding withdrawing at least a portion of the eighth electronic currency based on the sixth electronic currency and the seventh electronic currency, processing regarding withdrawing at least a portion of the eighth electronic currency. is executed by the server by the control unit. 12. The program according to claim 11 ,
The sixth electronic money can be combined with the seventh electronic money based on set combination conditions,
The eighth electronic money is the sum of the sixth electronic money and the seventh electronic money. 13. The program according to claim 12 ,
The addition conditions include conditions regarding the balance of the sixth electronic money or conditions regarding the ratio of the balance to the amount of the sixth electronic money remitted to the first terminal. The program according to any one of claims 1 to 13 ,
The third electronic money is electronic money that is the sum of the first electronic money and the second electronic money. An information processing method for a server that associates and stores a user of a first terminal and electronic money, the method comprising:
a process of associating first electronic money remitted from the second terminal to the first terminal with a first restriction set by the user of the second terminal and the user of the first terminal; and a user of the third terminal. performing, by the control unit of the server, a process of associating second electronic money remitted from the third terminal to the first terminal with a second restriction set by the user of the first terminal; ,
At least one of the following: the first restriction includes the second restriction, the second restriction includes the first restriction, and the first restriction and the second restriction are the same restriction. In this case, the control unit performs a process of associating third electronic money based on the first electronic money and the second electronic money with the user of the first terminal based on the first restriction and the second restriction. Including things. A server that associates and stores the user of the first terminal and electronic money,
a process of associating first electronic money remitted from the second terminal to the first terminal with a first restriction set by the user of the second terminal and the user of the first terminal; and a user of the third terminal. a control unit that performs a process of associating second electronic money remitted from the third terminal to the first terminal with a second restriction set by the user of the first terminal;
The control unit is configured to control the following: 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, a process of associating third electronic money based on the first electronic money and the second electronic money with the user of the first terminal based on the first restriction and the second restriction. conduct. A server that associates and stores the user of the first terminal and electronic money,
comprising a processor that reads a program stored in a memory and executes processing based on the program;
The processor includes:
a process of associating first electronic money remitted from the second terminal to the first terminal with a first restriction set by the user of the second terminal and the user of the first terminal; and a user of the third terminal. performing a process of associating second electronic money remitted from the third terminal to the first terminal with a second restriction set by the user of the first terminal;
At least one of the following: the first restriction includes the second restriction, the second restriction includes the first restriction, and the first restriction and the second restriction are the same restriction. If so, perform a process of associating third electronic money based on the first electronic money and the second electronic money with the user of the first terminal based on the first restriction and the second restriction. do.

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