TW202341037A - Settlement system, method for using settlement means, and program - Google Patents

Abstract

To enhance the convenience of a user using settlement means chargeable by a plurality of charge methods. A charge processing execution unit (102) of a settlement system (S) executes charge processing about settlement means of a user on the basis of a charge method selected from among a plurality of charge methods. A specification unit (103) specifies a priority related to each of the plurality of charge methods. A use processing execution unit (104) executes use processing related to use of the settlement means on the basis of the priority.

Description

Checkout systems, how to use checkout methods, and program products

This disclosure relates to checkout systems, methods of utilizing checkout methods, and program products.

Previously, a checkout system that performs value-added processing on a checkout means such as electronic money has been known. Patent Document 1 describes a system that can add value to the electronic money stored in the user's IC card based on a plurality of adding methods. The IC card is added based on each of the plurality of adding methods. Technology for adding value to electronic currency. [Prior technical documents] [Patent documents]

[Patent Document 1] Japanese Patent Application Publication No. 2002-73973

[Problem to be solved by the invention]

For example, in Patent Document 1, when a plurality of adding methods can be used to add value to a checkout means, it is considered that user convenience can be improved if the priority of using the balance of the checkout means can be set. . However, in the conventional technology, generally speaking, the user is used in order from the earliest recharge date and time, and it is impossible to set a priority for the recharge method, so the user's convenience cannot be improved.

One of the purposes of this disclosure is to improve the convenience of users who use a checkout method that can add value in a plurality of value-adding methods. [Means used to solve problems]

The checkout system described in the present disclosure includes: a value-added processing execution unit, which executes value-added processing regarding the user's checkout method based on the value-added method selected from a plurality of value-added methods; The specific part specifies the priority associated with each of the plurality of value-added methods mentioned above; and the application processing execution part executes application processing regarding the use of the checkout method mentioned above based on the priority mentioned above. [Effect of the invention]

If this disclosure is followed, the convenience for users who use a checkout method that can add value in a plurality of value-adding methods can be improved.

[1. Overall structure of the checkout system] An example of an implementation form of the checkout system described in this disclosure will be described. FIG. 1 is a diagram illustrating an example of the overall configuration of the checkout system. The checkout system S includes a checkout server 10 and a user terminal 20 . These are networks N that can be connected to the Internet, etc. The checkout system S only needs to include at least one computer, and is not limited to the example in Figure 1.

Checkout server 10 is a server computer. The control unit 11 includes at least one processor. The memory unit 12 includes a volatile memory such as RAM and a non-volatile memory such as a hard disk. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

The user terminal 20 is the user's computer. For example, the user terminal 20 is a smart phone, a tablet terminal, a wearable terminal, or a personal computer. The physical structure of the control part 21, the memory part 22, and the communication part 23 can be the same as the control part 11, the memory part 12, and the communication part 13 respectively. The operation unit 24 is an input device such as a touch panel. The display unit 25 is a liquid crystal display or an organic EL display.

In addition, the program stored in each of the checkout server 10 and the user terminal 20 can also be provided through the network N. In addition, the program stored in the information storage medium can also be used to read the information storage medium that can be read by a computer (such as a CD drive or a memory card slot), or can be used to communicate with an external machine. The input and output parts (such as USB ports) required for data input and output are provided.

[2. Overview of the checkout system] In this embodiment, the case where the user uses the checkout service from the checkout application is taken as an example. The checkout application is an application provided by the provider of the checkout service. The checkout application is installed on the user terminal 20. The checkout methods that can be used in the checkout service can be of any type. For example, electronic money, points, credit cards, charge cards, bank accounts, electronic wallets, or virtual currencies may be utilized as checkout means. Checkout means are sometimes called payment means. Codes such as barcodes or QR codes sometimes also serve as checkout methods. The checkout method may be any method used in electronic checkout.

FIGS. 2 and 3 are illustrations of an example of a screen displayed on the user terminal 20 . For example, once the checkout application of the user terminal 20 is launched, the login processing required for the user to log in to the checkout service is performed. In this embodiment, it is assumed that the user has already logged in to the checkout service. For example, the user enters the user ID and password in the checkout service. Once the login process is successful, the main screen G1 of the checkout application is displayed on the display unit 25 .

The main screen G1 is displayed with a code C10 including a code ID that can be used to identify the user in the checkout service. Code ID is information different from user ID. The checkout server 10 issues code IDs in a manner that does not duplicate the code IDs of other users. The code ID can be updated at any time. For example, the code ID is updated when the checkout application is activated, when the main screen G1 is displayed, when the validity period of the code ID has expired, or when the user performs a predetermined operation.

In the example of FIG. 2 , both the barcode and the QR code are displayed as code C10, but code C10 itself may be any code. For example, only one of the barcode or the QR code may be displayed as the code C10. For example, once the code C10 is read by the terminal of the store visited by the user, checkout processing will be performed based on the checkout method set by the user as the payment source.

In this embodiment, the case where the payment source is electronic money is taken as an example. In the example in Figure 2, the online electronic money "AAA Electronic Cash" that can be used in the checkout service "AAA Payment" has been set as the payment source. For example, once the code C10 is read with the store's terminal, the balance of the electronic money is reduced by the predetermined amount, and the checkout is completed. Code C10 can be read by any terminal such as a vending machine in addition to the terminal in the store.

In addition, the checkout methods available to users from the checkout application are not limited to those using code C10. For example, a checkout method in which the user terminal 20 reads the code displayed on the store, a checkout method in which the user terminal 20 reads the code displayed on the terminal in the store, and a checkout method that simply communicates to the user Any methods include a checkout method that is completed by operating the terminal 20 or a checkout method that brings the user terminal 20 close to a terminal capable of wireless communication.

For example, when the user selects button B11, electronic money menu M13 is displayed on the display unit 25. In menu M13, various operations related to electronic money can be performed. For example, once the user selects button B14, all or part of the balance of the electronic money can be transferred to other users. Once the user selects button B15, all or part of the electronic money balance can be withdrawn. Once the user selects button B16, the electronic money can be added.

In this embodiment, a plurality of value-adding methods are prepared. The so-called value-added method refers to a method used for adding value to electronic money. For example, the value-adding method refers to the type of checkout method used in adding value. For example, assuming that top-up can be done from credit cards, debit cards, points, and bank accounts, there are at least 4 top-up methods. When a user holds multiple credit cards, the recharge method refers to the type of credit card. When there are plural points that can be added to electronic money, the method of adding value means the type of points.

For example, when the user selects button B16, the bonus screen G2 is displayed on the display unit 25. For example, the user enters the recharge amount in the input form F20. The value-added screen G2 is displayed with a button B21 indicating the value-added method that the user can select. The user selects any of a plurality of value-adding methods by selecting button B21. In the example in Figure 2, the user has logged in two credit cards, "Credit Card X" and "Credit Card Y", to the checkout application. Users can use either of these two credit cards to add value to their electronic money.

For example, the user can also choose to add value by using sales from a flea market service that cooperates with the checkout service, or by using virtual currency that is bought and sold through a financial service that cooperates with the checkout service. A method of adding value. Hereinafter, the method of adding value using a credit card, the method of adding value using sales, and the method of adding value using virtual currency will be respectively referred to as adding value by card, adding value by sales, and adding value by virtual currency.

For example, when the user selects the button B21 indicating the recharge method using "Credit Card X", the confirmation screen G3 required for the final confirmation of the recharge is displayed on the display unit 25 . The confirmation screen G3 displays information such as the card number of "Credit Card X" selected by the user, the recharge amount input by the user, and changes in the balance of the electronic money. Once the user selects button B30, top-up using "Credit Card X" is performed.

Once the recharge is completed, as shown in the main screen G1 of Figure 3, the balance of the electronic money will increase. When recharging a card, you can not only add value to the consumption limit, but also to add value to the cash advance limit. In this case, there are two ways to add value to the card: a top-up method using the consumption limit, and a top-up method using the cash advance limit.

In this embodiment, the user can select any value-added method from a plurality of value-added methods. Each value-added method is associated with the user's priority when using electronic money. If it is assumed that the value-added amounts of each of the plurality of value-added methods are mixed in the balance of electronic money, then the value-added amount of the value-added method with a relatively higher priority among the balance of electronic money will be Priority use.

For example, assume that the balance of electronic money is 10,000 yuan. Assume that among the balance of 10,000 yen, the added value of the card value, the added value of the sales value, and the added value of the virtual currency are 7,000 yen, 1,000 yen, and 2,000 yen respectively. Then, assume that the priority of sales value-added is the highest, the priority of virtual currency value-added is the second highest, and the priority of card value-added is the lowest.

In the above example, it is assumed that the user has a balance of 10,000 yuan and uses an amount of 5,000 yuan. In this case, the entire value-added amount of the sales value-added with the highest priority, that is, 1,000 yen, will be used. Since 5,000 yen of the usage amount is insufficient to rely only on the added value of the sales value, the added value of the virtual currency with the second highest priority, which is 2,000 yen, will be used. Even if the bonus amount of the virtual currency bonus is used, it is still insufficient for the usage amount of 5,000 yen, so the remaining 2,000 yen will be used to increase the value of the card with the lowest priority.

In addition, in the above example, if the user's usage amount is less than 1,000 yen, it is enough to rely solely on the added value of the sales value. Therefore, the added value of the virtual currency added value and the added value of the card value are not enough. The value will not be used. If the user's utilization amount is less than 3,000 yen, the value-added amount based on the sales value-added and the virtual currency value-added amount is sufficient, so the value-added amount of the card value will not be used. If the user's usage amount is more than 3,000 yen, all the value-added amount of the sales value-added and the virtual currency value-added will be used, and all or part of the card value-added value will be used. Be exploited.

In this embodiment, the user can designate priorities for each use purpose of electronic money. For example, the balance of electronic money can be used for the purpose of payment at a store (hereinafter referred to as payment purpose), the purpose of transferring part or all of the balance to another user (hereinafter referred to as transfer purpose), And use it for the purpose of withdrawing money as cash (hereinafter referred to as the purpose of withdrawing money). Electronic money can be used for any purpose and is not limited to these three purposes. For example, any two of these usage purposes may be used. For example, it may also be used for other purposes such as adding value to other electronic currencies or converting points.

For example, when the user selects the small icon I12 of the main screen G1 and performs an operation required to designate the priority of the payment purpose, the designation screen G4A for accepting the designation of the priority is displayed. The user inputs the priority of each of the plurality of value-adding methods into the input form F40. The user can also specify the same priority as other use purposes, or can specify a different priority than other use purposes as the priority for payment purposes. When the user uses electronic money for payment purposes, the electronic money is used based on the priority input in the designation screen G4A.

The designation screen G4B is a screen for accepting the designation of the priority of the transmission destination. The designation screen G4C is a screen for designating the priority of the withdrawal purpose. The composition of designated screens G4B and G4C is the same as that of designated screen G4A. The user can specify any priority order from each of the designated screens G4B and G4C. When the user uses electronic money for the purpose of remittance or withdrawal, the electronic money is used based on the priority input in the designation screens G4B and G4C. Hereinafter, when there is no need to distinguish the designated screens G4A to G4C, they will be simply referred to as designated screen G4.

As described above, in the checkout system S of this embodiment, the priority specified by the user is associated with each of the plurality of value-adding methods. When the user wants to use the balance of electronic money, the electronic money will be used based on the priority associated with each adding method. This can improve the convenience for users who use electronic money that can be added using a plurality of added methods. The details of the checkout system S are explained below.

[3. Functions implemented in the checkout system] Figure 4 is a functional block diagram of an example of functions implemented in the checkout system.

[3-1. Functions implemented in the checkout server] The data storage unit 100 is mainly implemented by the memory unit 12. The designation accepting unit 101, the value-added processing executing unit 102, the specifying unit 103, and the utilization processing executing unit 104 are mainly implemented by the control unit 11.

[Data storage unit] The data storage unit 100 is used to store the data required to provide checkout services to users. For example, the data storage unit 100 stores the checkout database DB.

FIG. 5 is a diagram showing an example of the checkout database DB. As shown in Figure 5, the checkout database DB is a database that stores information about users in the checkout service. For example, the checkout database DB is stored with: user ID, password, name, code ID, validity period, payment source information, card information, electronic money information, bank account information, usage history information, and recharge history. information. The information stored in the checkout database DB can be any information about the user, and is not limited to the example in Figure 5.

User ID is an example of user identification information that can identify the user. User identification information can be any information, and can also be, for example, information called a user account, email address, or phone number. For example, user identification information is text, numbers, other symbols, or a combination of these. User ID and password are used to log in to the checkout service.

In this embodiment, not only the user ID but also the code ID is information that can be used to identify the user, so the code ID is also equivalent to the user identification information. Code C10 only needs to contain certain user identification information. Code C10 may also include not only the code ID, but also other user identification information such as user ID. The validity period is the time after the predetermined time from when the code ID is issued. The validity period can be any length, for example, it can be about 1 minute to about 1 hour, or it can be about several hours to several days. For the code ID, the validity period does not need to be set.

Payment source information is information that can be used to identify the checkout method that has been set as the payment source. For example, when electronic money has been set as the payment source, the payment source information may also be an electronic money ID that can identify the electronic money. For example, in the case where a credit card has been set as the payment source, the payment source information may also be the credit card number. Card information is information about the user's credit card. For example, card information includes card number, validity period, and nominee. Users can log in multiple credit cards.

Electronic money information is information about the user's electronic money. For example, electronic money information includes information indicating the balance of electronic money. In this embodiment, the electronic money information includes information indicating the details of the balance. Details are information on the added value that constitutes the balance. For example, as details, the electronic money information includes: recharge date and time, recharge method information on the recharge method, and unused portion of the recharge amount. When the balance of electronic money only includes the amount of added value for a certain one-time top-up, the details of the balance indicate the amount of added-value for one time of top-up. When the balance of the electronic money includes the amount of added value for each of the plural times of added value, the details of the balance represent the amount of added value for each of the plural times of added value. Regarding the added value of the card recharge, the card information of the credit card used in the card recharge can also be included in the details.

If we take the user "Taro Yamada" in Figure 5 as an example, the balance of the electronic money is 6,000 yen. The details are due to the card recharge performed at 11:23:50 on November 1, 2021. The amount of 3,000 yuan, the amount of 1,000 yuan due to the sales recharge at 19:25:42 on November 5, 2021, and the amount of 1,000 yuan at 10:56:11 on November 12, 2021 The amount of 2,000 yuan resulting from the added value of virtual currency. In this state, if a card recharge of 4,000 yen is performed at 13:20:58 on November 25, 2021, the balance of electronic money will become 10,000 yen. As a breakdown of the balance of 10,000 yen, an amount of 4,000 yen due to the card recharge performed at 13:20:58 on November 25, 2021 will be added.

The priority information is information indicating the priority of each of the plurality of value-adding methods. In this embodiment, since priority is specified for each use purpose, the priority information indicates the priority of each of the plurality of value-adding methods for each use purpose. When a certain value-adding method is added multiple times, it is assumed that among the value-added amounts of the plurality of times added using that value-adding method, the value added will be used in order from the earlier date and time. Once the user designates the priority from the designation screen G4, the priority information is updated. When the user does not specify a priority, it becomes priority information indicating the default priority.

Bank account information is information about the bank account designated by the user. For example, bank account information includes the name of the financial institution, branch name, account number, and nominee. This bank account is the remittance destination when the electronic money balance is used for withdrawal purposes. The balance of electronic money can also be withdrawn from accounts at financial institutions other than banks. Alternatively, withdrawals can be made, for example, not from an account, but by withdrawing cash from an ATM. In addition, the amount of recharge applied to the credit card's consumption limit is set so that it cannot be withdrawn.

Usage history information is information about the user's usage history of the checkout service. Usage history information includes information corresponding to the purpose of use including checkout methods. For example, if it is for payment purposes, the usage history information includes the usage date and time, the usage store, and the usage amount. If it is for the purpose of remittance, the usage history information includes the date and time of use, the user to whom the remittance was made, and the usage amount. If it is for the purpose of withdrawing funds, the usage history information includes the date and time of usage, the bank account from which the funds have been withdrawn, and the usage amount. Each time the user uses the checkout service, the user's usage history information is updated.

The checkout application of this embodiment can use payment methods other than electronic money. Therefore, when other payment methods are used, the usage history information is also updated. In this case, information that can identify the used checkout method is also included in the usage history information. When electronic money is used, information that can identify which part of the balance of the electronic money was used may be included in the usage history information. That is, information indicating which value-adding method is used to add value and how much value-added amount is used may also be included in the usage history information. Therefore, the usage history information may also include value-added method information.

The value-added history information is information about the history of adding value to electronic money. For example, the recharge history information includes: the recharge date and time of the electronic currency, the recharge method, and the recharge amount. Each time the user recharges electronic currency, the user's recharge history information is updated. The information has been stored in the past recharges of the recharge history information. If there is any remaining recharge, the information is stored as the details of the electronic money information. In the case of card recharge, the card information of the credit card used when the card is recharged can also be included in the recharge history information. The information stored in the checkout database DB is not limited to the example in Figure 5 and can be any information. For example, if a bank account or points can be used as a checkout method, the information about the bank account or points will be stored in the checkout database DB.

[Designation Reception Department] The designation reception department 101 accepts priority designations made by users. In this embodiment, the case where the priority is designated using the designation screen G4 is described, but the screen used to designate the priority may be any other screen. For example, the designation accepting unit 101 receives the data indicating the priority designated in the designation screen G4 from the user terminal 20 to accept the designation of the priority. In this embodiment, the case where the priority is specified by inputting a number indicating the priority into the input form F40 is explained, but the priority can be specified by any operation. For example, you can use drop-down menus, option buttons, or other user interfaces such as check boxes to specify priorities.

[Added-value Processing Execution Unit] The value-added processing execution unit 102 executes the value-added processing of the user's electronic money based on the value-added method selected from a plurality of value-added methods. Value-added processing is the processing required to add value to electronic currency. For example, value-added processing is the processing of increasing the balance of electronic money. As for the value-added processing itself, various types of processing can be used. In this embodiment, the process of increasing the balance of the electronic money stored in the settlement database DB is equivalent to the value-added process. Value-added processing may also include other processing. For example, the value-added processing may include updating the details of the balance of the electronic money.

In this embodiment, electronic money is explained as an example of the settlement means to which value is added. Therefore, where electronic money is recorded, it can be replaced with a checkout method. The checkout method for value-added objects can be of any type, not limited to electronic money. The checkout method of the value-added object only needs to be a checkout method that has the concept of balance. For example, if points can be topped up, they can also serve as a checkout means. For example, if a value can be added to the checkout service using the code, the code can also be equivalent to the checkout means. In this embodiment, an electronic currency whose name does not include "money" such as "AAA electronic cash" is used as an example, but the settlement means may be called by any name.

In addition, the value-adding method itself can be any value-adding method and is not limited to the example of this embodiment. For example, if it is possible to add value using the consumption limit or cash advance limit of a credit card, the value-added processing execution unit 102 can also execute the add-value processing using the consumption limit or cash advance limit. For example, the value-added processing execution unit 102 may also perform the value-adding method based on other value-adding methods such as sales value value, virtual currency value value, point balance value value, or bank account value value value. value processing.

[Specification part] The specific part 103 specifies the priority associated with each of the plurality of value-added methods. In this embodiment, since the user himself is allowed to specify the priority, the specifying unit 103 specifies the priority that has been specified by the user. For example, since the priority information has been stored in the checkout database DB, the specifying unit 103 specifies the priority by obtaining the priority information stored in the checkout database DB. The priority may not be specified in advance, but may be specified on the spot when the user uses electronic money. In this case, the specifying unit 103 only needs to specify the priority by acquiring priority information indicating the priority specified by the user when using electronic money from the user terminal 20 .

In this embodiment, the electronic money system can be used for a plurality of purposes. For each purpose of use, there are priority relationships to be established. The specifying section 103 specifies the priority associated with the purpose of use of the electronic money. For example, when electronic money is used for three usage purposes: payment purpose, remittance purpose, and withdrawal purpose, the user specifies the priority of the three types. The specifying unit 103 specifies the priority corresponding to the purpose of use when the electronic money is used. For example, the specifying unit 103 specifies the priority associated with the use purpose by acquiring the priority information stored in the checkout database DB in relation to the use purpose.

[Usage Processing Execution Unit] The utilization processing execution unit 104 executes utilization processing regarding the utilization of electronic money based on priority. Usage processing is the processing required to utilize electronic money. For example, the utilization process is a process for reducing the balance of electronic money. Various processes can be utilized by utilizing the process itself. In this embodiment, the process of reducing the balance of the electronic money stored in the settlement database DB is equivalent to the utilization process. Utilization processing may also include other processing. For example, the utilization process may include a process of updating the balance details of the electronic money.

The utilization processing execution unit 104 executes the utilization processing in such a manner that the value-added amount of the value-adding method with a relatively high priority is used preferentially. The so-called value-added method with a relatively high priority means that there are other value-added methods with a lower priority than this value-added method. The saying that the value-added amount will be used with priority means that the usage amount itself is higher, or the ratio of the usage amount to the entire value-added amount is high. The utilization processing execution unit 104 executes utilization processing in such a manner that the value-added amount of the value-adding method with a higher priority is used more preferentially.

For example, assume that the balance of electronic money is 3,000 yen, the added value of the card is 1,000 yen, and the added value of the sales value is 2,000 yen. Then, it is assumed that the priority of the card value-added is higher than the priority of the sales value-added. In this example, when the usage amount is 500 yen, all 500 yen is deducted from the value-added amount of the card. This is the value-added amount without using the sales value, so it is equivalent to The value-added amount of the value-added method with higher priority will be used first. Even if the value-added amount of the card value-added and the value-added amount of the sales value are used together, the value-added amount of the card value-added is 400 yen, and the value-added amount of the sales value is 100 yen. The matter of quantity is also because the value-added side of the card's value-added method is used more, so it is equivalent to prioritizing the use of the value-added amount of the higher-priority value-added method.

In the above example, when the usage amount is 2,500 yen, all 1,000 yen of the card's value-added amount is used, and 1,500 yen of the sales value-added amount is used. If we only look at the utilization amount, then the value-added amount of the sales value-added is larger here, but the ratio of the usage amount to the overall value-added amount is the value-added amount of the card value-added, so it is equivalent to The value-added amount of the value-added method with higher priority will be used first. In other words, the value-added amount of the card value-added is that all 1,000 yen (100%) is used. On the other hand, the value-added amount of the sales value-added is that only 1,500 yen (75) of the 2,000 yen is used. %), so it is equivalent to using the value-added amount of the value-added method with higher priority first.

In this embodiment, the utilization processing execution unit 104 executes the withdrawal processing regarding the withdrawal of electronic money as utilization processing based on the priority order. Withdrawal processing is the processing of withdrawing the balance of electronic money. Withdrawing money can also be said to be cashing out. For the withdrawal process itself, known processes can be used. For example, the withdrawal process is a process of reducing the balance of electronic money and transferring the reduced portion to the user's bank account. For example, the withdrawal process is a process of reducing the balance of electronic money and discharging cash from a terminal such as an ATM.

For example, when the balance of electronic money is insufficient only by the value-added method of a relatively high-priority value-adding method, the use processing execution unit 104 uses a relatively low-priority value-adding method. The added value will be used to perform withdrawal processing. Assume that the user "Taro Yamada" in Figure 5 instructs a quantitative withdrawal of 3,000 yuan. In this case, for the purpose of withdrawing money, the sales bonus has the highest priority, the virtual currency bonus has the second highest priority, and the card bonus has the lowest priority. In this case, the use processing execution unit 104 uses a method such that the added amount of the virtual currency added value is used in an amount of 2,000 yen because the added amount of the added value based on sales alone, that is, 1,000 yen, is insufficient. , to perform withdrawal processing. The amount of card bonus will not be used in the withdrawal process.

In this embodiment, the utilization processing execution unit 104 executes payment processing regarding payment using electronic money as utilization processing based on priority. The payment process is a process of paying with the balance of electronic money. The payment processing itself can utilize publicly known processing. For example, the payment process is a process of reducing the balance of electronic money and allowing the store to charge an amount corresponding to the reduced portion. Payment processing is sometimes called checkout processing.

For example, when the balance of electronic money is insufficient only by the value-added method of a relatively high-priority value-adding method, the use processing execution unit 104 uses a relatively low-priority value-adding method. The amount of added value will be utilized to perform payment processing. Assume that the user "Taro Yamada" in Figure 5 made a payment of 5,000 yen. In this case, for the purpose of payment, the card value-added has the highest priority, the sales value-added has the second-highest priority, and the virtual currency value-added has the lowest priority. In this case, the use processing execution unit 104 adds the added value of the card value, which is 3,000 yen, and the added value of the sales value, which is 1,000 yen, is still insufficient, so the virtual currency is added. The added amount of value will be used in the amount of 1000 yuan to perform payment processing.

In this embodiment, the utilization processing execution unit 104 executes the transfer processing necessary for transferring electronic money as utilization processing based on priority. The remittance process is a process of remitting all or part of the electronic money balance to other users. The remittance process is a process of reducing the balance of a certain user's electronic money and increasing the balance of other users' electronic money. Remittance processing is sometimes called remittance processing, but strictly speaking, no cash is received or received, so it is recorded as remittance processing. The remittance process itself can use known processes.

For example, when the balance of electronic money is insufficient only by the value-added method of a relatively high-priority value-adding method, the use processing execution unit 104 uses a relatively low-priority value-adding method. The added value will be used to perform remittance processing. Assume that the user "Taro Yamada" in Figure 5 remits 3,500 yen to other users. In this case, for the purpose of remittance, the virtual currency added value has the highest priority, the card added value has the second highest priority, and the sales added value has the lowest priority. In this case, the utilization processing execution unit 104 uses the virtual currency in such a way that the added value of 1,500 yen is used because the added amount of the virtual currency added value, that is, 2,000 yen, is insufficient. to perform remittance processing. The added value of sales will not be used in the withdrawal process.

As described above, the utilization processing execution unit 104 executes utilization processing for any one of a plurality of utilization purposes based on the priority associated with the corresponding utilization purpose. The purpose for which electronic money is used among a plurality of purposes of use is specified by the user. For example, by selecting each of buttons B14 to B16, the purpose of use can be specified. The usage processing execution unit 104 executes the specified task in such a way that the value-added amount of the value-added method with a higher priority is prioritized based on the priority information associated with the usage purpose specified by the user. Use and processing according to the purpose of use.

In this embodiment, the processing execution unit 104 is used so that the priority is relatively low when the balance of electronic money is insufficient only by the added amount of the added value method with a relatively high priority. The method in which the value-added amount of the value-added method will be used is used to perform utilization processing. This is true even when utilization processing other than withdrawal processing, payment processing, and remittance processing is executed. For example, when the added amount of the added method with the highest priority is greater than the usage amount, the utilization processing execution unit 104 executes the utilization process based only on the added amount. When the added amount of the added method with the highest priority is less than the usage amount, the utilization processing execution unit 104 uses the added amount of the added method with the second highest priority together with the added amount. to perform utilization processing. Thereafter, the utilization processing execution unit 104 selects the adding methods one by one in descending order of priority until the total adding amount reaches the usage amount, and then executes the utilization processing.

In addition, it can also be designed so that a specific utilization process can only use the amount of added value that has been added using a specific added value method. In this case, it is assumed that a value-added method that can be used is predetermined for each purpose of use. When executing the utilization process for a certain utilization purpose, the utilization processing execution unit 104 specifies the value-added method that can be used for the utilization purpose. The utilization processing execution unit 104 refers to the balance details of the electronic money and executes utilization processing in such a manner that only the added amount of the specified adding method is used.

For example, if the added value is added to the consumption limit of a credit card, it cannot be used for the purpose of withdrawing money. The added value that is added using other methods of adding value can be used for the purpose of withdrawing money. . In this case, when executing the utilization process (withdrawal process) for the purpose of withdrawing money, the utilization processing execution unit 104 refers to the details of the balance of the electronic money so that only the added value other than the added value of the consumption limit is utilized. The method's added value will be used to perform the utilization process. Once the recharge amount added by other recharge methods is used first, the balance that can be used for withdrawal purposes will be reduced. In this case, you can also increase the priority of the recharge method that uses the consumption limit when recharging the card, so as to retain the balance that can be used for the purpose of withdrawing money as much as possible. This is because the value-adding method that can be used for remittance purposes is restricted, the value-adding method that can be used for payment purposes is restricted, or it can be used for other purposes. The same is true even if the value-adding method is restricted.

[3-2. Functions implemented in the user terminal] The data storage unit 200 is mainly implemented by the memory unit 22. The display control unit 201 and the operation acceptance unit 202 are mainly implemented by the control unit 21 .

[Data storage unit] The data storage unit 200 stores the data required for the user to use the checkout service and the card service. For example, the data storage unit 200 stores the checkout application program and code ID. The user terminal 20 receives the code ID issued by the checkout server 10 and records it in its own data storage unit 200 . When the user terminal 20 also receives the validity period of the code ID, it also records the validity period in its own data storage unit 200 .

[Display Control Unit] The display control unit 201 causes an arbitrary screen to be displayed on the display unit 25. For example, the display control unit 201 causes the display unit 25 to display the screen described in FIGS. 2 and 3 based on the checkout application.

[Operation Acceptance Department] The operation acceptance department 202 accepts any operations performed by the user. For example, the operation acceptance unit 202 accepts operations on the screens described in FIGS. 2 and 3 displayed on the checkout application.

[4. Processing executed in the checkout system] FIG. 6 is a flowchart showing an example of processing executed in the checkout system S. This processing is executed by the control units 11 and 21 operating according to the programs memorized in the memory units 12 and 22 respectively. FIG. 6 schematically illustrates the processing mainly related to the priority of the value-added method among the processing executed in the checkout system S.

As shown in FIG. 6 , once the checkout application is started, the user terminal 20 executes the login process required to log in to the checkout service with the checkout server 10 , causing the main screen G1 to be displayed on the display unit 25 (S1). In the login process of S1, the input of the user ID and password in the checkout service may also be required, or if there has been a login in the past, information indicating this purpose will be recorded in the user terminal 20, using This information eliminates the need to enter the user ID and password. In addition to this, other authentications such as biometric authentication can also be used.

When the main screen G1 is displayed on the display unit 25, the user performs any operation using the user terminal 20 (S2). Here, the operation of selecting the button B11, the operation required for payment (for example, the operation of selecting the store of the payment destination from the user terminal 20, the operation of reading the code of the store, etc., or having the terminal of the store, etc. read the code C10 operation), or the operation of selecting small icon I12 is performed. Once the button B11 is selected (S2: Menu), the user terminal 20 causes the menu M13 to be displayed on the display unit 25 (S3). The user performs any operation from menu M13 (S4). Here, the case where the selection operation of any one of buttons B14 to B16 is performed is explained.

Once button B14 is selected (S4: Transfer), the user terminal 20 performs transfer processing with the checkout server 10 based on the priority associated with the transfer destination (S5). Once button B15 is selected (S4: Withdraw money), the user terminal 20 performs a withdrawal process with the checkout server 10 based on the priority associated with the withdrawal purpose (S6). Once the button B16 is selected (S4: Adding value), the user terminal 20 and the checkout server 10 perform an adding process (S7).

In S2, once the operation required for payment is read (S2: payment), the checkout server 10 establishes a priority relationship with at least one of the user terminal 20 and the terminal of the store based on the payment purpose. , to perform payment processing (S8). Once the small icon I12 is selected (S2: priority), the user terminal 20 causes the designation screen G4 to be displayed on the display unit 25, accepts the designation of the priority by the user, and sends the designation to the checkout server 10 Result (S9). Upon receiving the priority designation result (S10), the checkout server 10 updates the priority information stored in the checkout database DB (S11).

According to the checkout system S of this embodiment, application processing regarding the use of electronic money is executed based on the priority associated with each of a plurality of value-adding methods. Thereby, the electronic money can be used in the order of priority corresponding to the adding methods, thereby improving the convenience for users who use the electronic money that can be added using a plurality of adding methods. For example, as before, when electronic money is used sequentially from the earlier recharge date and time, the recharge amount of the recharge method that the user does not want to use may be used first. In this regard, by giving priority to the value-adding methods, the value-added amount of the value-adding method that the user wants to use can be used with priority, thereby improving the user's convenience. For example, once the top-up amount of a credit card's cash advance limit is used, the cash advance may be refunded or interest may accrue. Therefore, by reducing the priority of such a top-up amount, The higher the order, the less likely it will be that the cash advance will be returned or interest will accrue. For example, if there is a restriction on the amount of added value of a specific added value method that can be used for the purpose of withdrawing money, by lowering the priority of the added value method that can be used for the purpose of withdrawing money. , and increase the priority of the value-added methods that cannot be used for the purpose of withdrawing money, so as to avoid using the added value of the value-added methods that can be used for the purpose of withdrawing money.

In addition, the settlement system S executes the withdrawal processing of the withdrawal from the electronic currency as a utilization processing based on the priority associated with each of the plurality of value-adding methods. Thereby, electronic money can be withdrawn according to the priority order corresponding to the adding method, thereby improving user convenience when withdrawing money. For example, even if the top-up amount using the top-up method of the cash advance limit is withdrawn, it may become the object of the cash advance return or accrue interest, etc. By lowering the priority of such top-up amount, It may still be less likely that the cash advance will be returned or accrue interest. For example, although the added amount of multiple added methods can be used for the purpose of withdrawing money, if only some of the added methods can be used for other purposes, then it cannot be used for other purposes by increasing the amount. By prioritizing the value-added methods used for the purpose and using them first, you can try to preserve the amount of value-added that can be used for other purposes.

In addition, the settlement system S executes payment processing regarding payment using electronic money as utilization processing based on the priority associated with each of the plurality of value-adding methods. Thereby, electronic money can be paid according to the priority according to the adding method, thereby improving user convenience when withdrawing money. For example, even if the top-up amount using the top-up method of the cash advance limit is used for payment, it may become the object of the cash advance return or accrue interest, etc., by lowering the priority of such top-up amount. , it may still be less likely that the cash advance will be returned or interest will accrue. For example, although the value-added amount of multiple value-added methods can be used for payment purposes, but only part of the value-added methods can be used for other purposes, it cannot be used for other purposes by increasing the value. By prioritizing the value-added methods for use, you can try to preserve the value-added amount that can be used for other purposes.

Furthermore, the settlement system S executes the transfer processing required for transferring electronic money as utilization processing based on the priority associated with each of the plurality of value-added methods. Thereby, electronic money can be paid according to the priority according to the adding method, thereby improving user convenience when withdrawing money. For example, even if the top-up amount using the top-up method of the cash advance limit is used for payment, it may become the object of the cash advance return or accrue interest, etc., by lowering the priority of such top-up amount. , it may still be less likely that the cash advance will be returned or interest will accrue. For example, although the value-added amount of multiple value-added methods can be used for the purpose of remittance, if only some of the value-added methods can be used for other purposes, they cannot be used for other purposes by increasing the value. By prioritizing the value-added methods for use, you can try to preserve the value-added amount that can be used for other purposes.

In addition, the settlement system S executes application processing such as withdrawal processing based on the priority associated with each use purpose of electronic money. This makes it possible to set priorities that differ for each purpose of use, thereby improving user convenience.

In addition, the checkout system S specifies the priority specified by the user. With this, the user can specify the priority of his/her preferences, thereby improving the user's convenience. For example, if you use electronic money on a specific website, if you use the value-added amount of a specific value-adding method, you will be able to obtain more gifts. In this case, user convenience can be improved by prioritizing value-added methods that increase the number of gifts that can be obtained from websites that users frequently use. More specifically, if you are on a shopping mall website and use the recharge amount of a credit card that the website has a cooperation with, you will be able to get more gifts. On the other hand, if you are on an online flea market website and use The greater the amount of sales bonus, the more gifts you can receive. In this case, users who frequently use shopping malls will increase the priority of adding value to their cards to make it easier to obtain gifts. Users who frequently use online flea markets will increase the priority of adding value to sales to make it easier to obtain gifts. Just specify the priority according to your preferences in this way.

In addition, when the balance of the electronic money is insufficient only by the amount of added value of the relatively high-priority value-adding method, the checkout system S makes use of the relatively low-priority value-adding method. The value-added amount will be used to perform utilization processing. This makes it possible to maximize the value-added amount of the value-added method with a relatively high priority, thereby improving user convenience.

[5. Modification] In addition, the present disclosure is not limited to the embodiment described above. Appropriate changes may be made within the scope that does not deviate from the purpose of this disclosure.

FIG. 7 is a diagram illustrating an example of functional blocks in a modified example. The added value history information acquisition unit 105, the first determination unit 106, the second determination unit 107, and the display control unit 108 are mainly implemented by the control unit 11.

[5-1. Modification 1] For example, in the embodiment, the case where the user designates the priority of the value-added method is explained, but the method of determining the priority of the value-added method is not limited to the example of the embodiment. . Modification 1 explains the case where the priority is determined based on the history of value-adding methods used by the user in the past. The checkout system S of Modification 1 includes a value-added history information acquisition unit 105 and a first determination unit 106 .

The value-added history information acquisition unit 105 acquires value-added history information regarding the history of value-added processing. For example, the value-added history information acquisition unit 105 acquires the value-added history information stored in the checkout database DB. Value-added resume information can also be stored in other databases. The value-added history information acquisition unit 105 acquires the value-added history information when the priority decision timing has arrived. The priority order can be determined in any order. For example, it can also be used when the predetermined date and time has arrived, when the user has logged in, when some kind of access has been made to the checkout server 10 from the user terminal 20, or when the number of recharges has reached the predetermined number or more. If the total value added exceeds the specified amount, the priority will be determined.

The first decision unit 106 determines the priority based on the value-added history information. For example, the first determination unit 106 determines the priority in such a way that the greater the number of times a certain value-adding method is added, the higher the priority of the value-adding method. The first determination unit 106 determines the priority in such a way that the higher the frequency of addition of a certain value-adding method, the higher the priority of the value-adding method. The first decision unit 106 determines the priority in such a way that the greater the value added of a certain value adding method, the higher the priority of the value adding method. If designed in this way, the value-added amount of frequently used value-added methods can be used as quickly as possible. The first decision unit 106 updates the priority information based on the priority decision result.

Contrary to the above description, the first determining unit 106 may also determine the priority in such a way that the fewer the number of additions of a certain value-adding method, the higher the priority of the value-adding method. The first determining unit 106 may also determine the priority in such a way that the lower the frequency of adding value to a certain value-adding method, the higher the priority of the value-adding method. The first decision unit 106 may determine the priority in such a way that the smaller the value added of a certain value adding method, the higher the priority of the value adding method. If designed in this way, the value-added amount of the value-added method that is not frequently used can be used as quickly as possible.

The specifying unit 103 specifies the priority determined by the first determining unit 106. Although the point that the priority is determined by the first determining unit 106 is different from the embodiment, the priority information is obtained by the specifying unit 103 to specify the priority, which is the same as explained in the embodiment.

If Modification 1 is followed, priority will be determined based on bonus history information. Thereby, the priority order becomes corresponding to the user's, thereby improving the user's convenience. Since the user does not need to specify the priority order by himself, the user's operational burden can be reduced.

[5-2. Modification 2] For example, as explained in the embodiment, the plurality of value-added methods may include a value-added method using a credit card. The top-up method using a credit card is a top-up method that uses at least one of the credit card's consumption limit and cash advance limit. The value-added processing execution unit 102 can execute the value-added processing based on each of the plurality of credit cards when the user holds a plurality of credit cards. If it is the example in Figure 2, the user can select either "Credit Card X" or "Credit Card Y" registered in the checkout application to add value to the electronic money.

In Modification 2, priority is established for each credit card. In the example of Figure 2, the priority of the recharge method using "Credit Card X" and the priority of the recharge method using "Credit Card Y" are determined individually. As shown in the embodiment, when the user himself specifies the priority, the user specifies the priority of "Credit Card X" and the priority of "Credit Card Y" individually.

As shown in Modification 1, when the priority is determined based on the recharge history information, the first determination unit 106 determines the priority of "Credit Card Y's priority. For example, if the number of recharges using "Credit Card X" is greater than the number of recharges using "Credit Card Y", the priority of "Credit Card . The same is true when the user can use more than 3 credit cards to add electronic money.

The specifying unit 103 specifies the priorities associated with each of the plurality of credit cards. Although it is different from the embodiment in that priority is associated with each credit card, the priority information is acquired by the specifying unit 103 to specify the priority, which is the same as explained in the embodiment.

The usage processing execution unit 104 executes usage processing based on the priorities associated with each of the plurality of credit cards. Although it is different from the embodiment in that priority is associated with each credit card, the utilization process execution unit 104 executes the utilization process based on the priority as described in the embodiment.

According to Modification 2, each credit card is associated with a priority, and the use process is executed based on the priority associated with each of the plurality of credit cards. This can improve convenience for users who have multiple credit cards. For example, if it is possible to increase the cash advance limit of a credit card and accrue interest corresponding to the amount used, the total amount of interest can be reduced by increasing the priority of credit cards with lower interest rates. For example, if a specific credit card's recharge amount is used, the user will be given a certain gift. When a promotion is being implemented, by increasing the priority of the credit card, it will be easier for the user to obtain the gift.

[5-3. Modification 3] For example, the electronic money system may also include balances of multiple types. Modification 3 explains the case where the electronic money includes an advanced type balance and a basic type balance. The electronic money information includes information indicating the balance of the advanced type and information indicating the balance of the basic type.

The advanced balance is an example of the first balance. The balance of the basic type is an example of the second balance. Therefore, where the balance of the advanced type is written, it can be replaced with the first balance. Where the balance of the basic type is recorded, it can be replaced with the second balance. Electronic money can also have more than 3 types of balances. Although the total of the first balance and the second balance is displayed on the main screen G1, each balance may be displayed separately.

The first balance is a balance increased by the first value-adding method, which is part of the plurality of value-adding methods that the user can select. It is explained that the first balance is a balance that can be increased by only one adding method, or a balance that can be increased by a plurality of adding methods. For example, the first balance can be increased by adding value to sales, adding value to virtual currency, or using a top-up method that utilizes a cash advance limit.

The first balance can be used for any purpose. For example, the first balance can be used for payment purposes, remittance purposes, and withdrawal purposes. When a user transfers part or all of the first balance to another user, the other user's first balance will increase. In order to keep the first balance, it is necessary to make a predetermined application and other users have not made the application. If the user transfers part or all of the first balance to other users, other users can also use it. The person's 2nd balance increases. That is, part or all of the user's first balance can be converted into the second balance first and then transferred to other users.

The second balance is a balance increased by a second value-adding method other than the first value-adding method among the plurality of value-adding methods that the user can select. For example, the second balance is a balance increased by adding value to the consumption limit of a credit card. The second balance may be a balance increased only by this recharge method, or may be increased by other recharge methods. For example, the second balance may be increased by a value-added method using points held by the user.

The second balance can be used for any purpose. For example, the second balance can be used for payment purposes and remittance purposes. However, when a user transfers part or all of the second balance to another user, not the other user's first balance but the second balance will be increased. In this embodiment, it is assumed that the second balance cannot be used for withdrawal purposes. Therefore, other users who have received part or all of the user's second balance cannot use it for the purpose of withdrawing money. This prevents the consumption limit of your credit card from being converted into cash.

In Modification 3, priority is determined for the balance of each electronic currency. For example, the priority of the balance of the advanced type and the priority of the balance of the basic type are determined individually. As shown in the embodiment, when the user himself specifies the priority, the user specifies the priority of the balance of the advanced type and the priority of the balance of the basic type separately. As shown in Modification 1, when the priority is determined based on the recharge history information, the first determination unit 106 determines the priority of the balance of the advanced type based on the recharge history information on the balance of the advanced type. The first decision unit 106 determines the priority of the balance of the basic type based on the added history information on the balance of the basic type. The same is true when there are three or more electronic money balances.

The specifying unit 103 specifies the priority associated with the type of balance used in the utilization process among the plurality of balances. Although it is different from the embodiment in that priority is associated with each balance, the priority information is obtained by the specifying unit 103 to specify the priority, as explained in the embodiment. The priority of the balance of the advanced type and the balance of the basic type can also be specified in advance, or can be specified by the user. For example, you can also set the premium balance to be used as a priority.

The utilization processing execution unit 104 executes utilization processing for any one of the plurality of balances based on the priority of the corresponding balance. Although it is different from the embodiment in that priority is associated with each balance, the utilization processing execution unit 104 executes the utilization process based on the priority as described in the embodiment.

According to Modification 3, the priority is determined for each balance of electronic money, and the utilization process of any one of the plural balances is performed based on the priority of the balance. This can improve user convenience when electronic money contains multiple types of balances. For example, by increasing the priority of top-up methods that use credit card spending limits, the balance of the basic type can be used first. For example, by lowering the priority of top-up methods that use credit card spending limits, you can make it less likely that interest will accrue.

[5-4. Modification 4] For example, when the added amounts of multiple added methods are mixed in the balance of electronic money, the priority can be determined based on each added amount. For example, if the user "Yamada Taro" in Figure 5 is taken as an example, among the balance of 6,000 yen, the added value of the card added value, the added value of the sales value added, and the added value of the virtual currency added value The values are 3,000 yuan, 1,000 yuan, and 2,000 yuan respectively. In this case, the card value-added priority can be the highest, the virtual currency value-added priority can be the second, and the sales value-added priority can be the lowest. The checkout system S of Modification 4 includes the second decision unit 107 .

The second determination unit 107 determines the priority based on the value-added amount of each of the plurality of value-added methods in the balance of the electronic money. For example, the second determination unit 107 determines the priority in such a way that the greater the value added of a certain value adding method, the higher the priority of the value adding method. The so-called value-added amount of a certain value-added method refers to the total amount of value-added by this value-added method in the balance of electronic money. In this case, use the value-added method with a large value-added amount as quickly as possible. Alternatively, the second decision unit 107 may determine the priority in such a way that the smaller the value added of a certain value adding method, the higher the priority of the value adding method. In this case, you can use the bonus of the bonus method with a small bonus as quickly as possible.

The specifying unit 103 specifies the priority determined by the second determining unit 107. Although the second determining unit 107 determines the priority, it is different from the embodiment. However, the specifying unit 103 obtains the priority information and specifies the priority, as explained in the embodiment.

According to Modification 4, priority is determined based on the value-added amount of each of the plurality of value-added methods in the electronic money balance. This will change the priority of each value-adding method according to the value-added amount, thereby improving user convenience. Since the user does not need to specify the priority order by himself, the user's operational burden can be reduced.

[5-5. Modification 5] For example, the added amount of each added value method in the electronic money balance can also be displayed on the checkout application. The checkout system S includes a display control unit 108 . The display control unit 108 causes the display unit 25 to display the added amount of each of the plurality of added methods in the balance of the electronic money. In Modification 5, since the display control unit 108 is implemented in the checkout server 10, the display control unit 108 sends the display data of the screen indicating the added amount of each added value method to the user terminal. 20, so that the amount of added value is displayed on the display part 25.

FIG. 8 is an illustration of an example of a screen displayed on the user terminal 20 in the fifth modification. For example, the display control unit 108 refers to the details of the electronic money information and specifies the added amount of each added value method. The display control unit 108 causes the menu M13 of the main screen G1 to display the value-added amount of each value-added method that should be specified. The display control unit 108 can also cause any other screen such as the main screen G1 to display the value-added amount of each value-adding method. The amount of added value can also be represented by any image, and it may not be text representing numbers as shown in Figure 8, but other images such as small icons.

According to Modification 5, the added amount of each of the plurality of added methods in the electronic money balance is displayed on the display unit 25 . In this way, the user can easily grasp the value-added amount of each value-added method. For example, when a promotion is being implemented in which a gift can be obtained by using the added amount of a specific added value method, it can be easily understood whether the added amount of the specific added value method is sufficient.

[5-6. Modification 6] For example, in the embodiment, the addition amount of the addition method with a relatively high priority is used until it becomes 0, but the addition amount of the addition method with a relatively high priority is The bonus amount can not be used until it becomes 0. Using the processing execution unit 104, the balance of the electronic money may be used so that the added amount of the added value method with a relatively high priority is used more than the added value of the added value method with a relatively lower priority. There are many ways to perform utilization processing. That is, instead of using all the value-added amounts of the value-added methods with relatively high priority, a little bit may remain so that the value-added amounts of the value-added methods with relatively low priority can be utilized.

If we take the user "Taro Yamada" in Figure 5 as an example, in the balance of 6,000 yen, the added value of the card value, the added value of the sales value, and the added value of the virtual currency , respectively 3,000 yuan, 1,000 yuan, and 2,000 yuan. For example, assume that the sales value added has the highest priority, the virtual currency value added has the second highest priority, and the card value added has the lowest priority.

In the above example, it is assumed that the user has a balance of 6,000 yuan and uses an amount of 5,000 yuan. In this case, not all of the added value of 1,000 yen, which is the highest priority sales added value, may be used, but only part of it may be used. For example, the value-added amount of the sales value-added can only be 900 yuan. Of the 5,000 yen used, the remaining 4,100 yen can be used as long as the virtual currency recharge and card recharge are used. For example, the added value of the virtual currency added value may be an amount of 1,700 yen, and the added value of the card value may be used in an amount of 2,400 yen. In this case, in order of priority from high to low, 900 yen, 11,700 yen, and 2,400 yen will be used. Although the utilization amount itself is higher when the priority is relatively lower, the ratio of the utilization amount to the amount of bonus is higher when the priority is relatively high, so the bonus is for the value-added method with a relatively high priority. Amounts will be used first.

According to Modification 6, in the balance of electronic money, the added value of the value-added method with a relatively high priority will be used more than the value-added amount of the value-added method with a relatively low priority. Multiple ways to perform exploit processing. This allows you to maximize the value of the value-added method with a relatively high priority.

[5-7. Other modifications] For example, the modifications described above can also be combined.

For example, although the user uses the checkout service from a checkout application, the media providing the checkout service can be any medium and is not limited to the checkout application. For example, the browser of the user terminal 20, the IC chip of the user terminal 20, or the IC card owned by the user can also be used to provide the checkout service. For example, the priority order may be shared among a plurality of utilization processes.

For example, the function described as being implemented in the checkout server 10 may also be implemented in other server computers. For example, the function described as being implemented in the checkout server 10 may be shared among a plurality of computers. Each function only needs to be implemented in at least one computer.

S: Checkout system N: Network 10: Checkout server 11, 21: Control unit 12, 22: Memory unit 13, 23: Communication unit 20: User terminal 24: Operation unit 25: Display unit G1: Main screen G2: Added value screen G3: Confirmation screen G4, G4A, G4B, G4C: Designated screen 100: Data storage unit 101: Designated acceptance unit 102: Added value processing execution unit 103: Specification unit 104: Utilization processing execution unit 105: Added value History information acquisition part 106: First decision part 107: Second decision part 108: Display control part 200: Data storage part 201: Display control part 202: Operation acceptance part C10: Code DB: Checkout database F20, F40: Input Form I12: small icon M13: menu B11, B14, B15, B16, B21, B30: button

[Fig. 1] An illustration of an example of the overall configuration of the checkout system. [Figure 2] An illustration of an example of a screen displayed on a user terminal. [Figure 3] An illustration of an example of a screen displayed on a user terminal. [Figure 4] Functional block diagram of an example of functions implemented in the checkout system. [Figure 5] An illustration of an example of a checkout database. [Figure 6] A flowchart of an example of processing performed in the checkout system. [Figure 7] An illustration of an example of a functional block in a modified example. [Figure 8] An illustration of an example of a screen displayed on the user terminal in Modification 5.

10: Checkout server

20:User terminal

100:Data Memory Department

101: Designated acceptance department

102: Value-added processing execution department

103:Specific department

104: Utilization Processing Execution Department

200:Data Memory Department

201: Display control department

202: Operation acceptance department

DB: Checkout Database

Claims (15)

A checkout system includes: a value-added processing execution unit that executes value-added processing regarding a user's checkout method based on a value-added method selected from a plurality of value-added methods; and a specific unit , specifies the priority associated with each of the plurality of value-added methods mentioned above; and The application processing execution department executes application processing regarding the use of the checkout method mentioned above based on the priority mentioned above. The settlement system as described in Claim 1, wherein the "forementioned use processing execution unit" executes the withdrawal processing of the withdrawal from the preceding settlement method as the preceding "use processing" based on the preceding order of priority. The checkout system as described in claim 1 or 2, wherein the above-mentioned utilization processing execution unit executes the payment processing regarding the payment using the foregoing settlement method as the preceding-mentioned utilization processing based on the priority order as mentioned above. , The checkout system described in claim 1 or 2, wherein the "forementioned utilization processing execution unit" executes the transfer processing required for transmitting the preceding "checkout means" as the preceding "utilization processing" based on the preceding order of priority. . For example, the checkout system as described in claim 1 or 2, wherein the aforementioned checkout method can be used under a plurality of usage purposes; For each purpose of use mentioned above, a priority is established in the preceding paragraph; The specific part mentioned above , specifies the priority of the foregoing items that are related to the use purposes mentioned above. Priority is given to the establishment of the relationship and execution is carried out. For example, the checkout system described in request item 1 or 2, wherein, the above mentioned checkout system also includes: an acceptance department, which accepts the designation of the above mentioned priority made by the user of the above mentioned; and a specific department, which has been The priority of the Memo is specified by the user of the Memo. For example, the checkout system described in claim 1 or 2, wherein the aforementioned checkout system also includes: a value-added history information acquisition unit that obtains value-added history information regarding the history of the aforementioned value-added processing; and The 1 decision part determines the priority of the previous notes based on the added history information of the previous notes; the specific part of the previous notes determines the priority of the previous notes that has been decided by the first decision part of the previous notes. For example, in the checkout system described in request item 1 or 2, the plurality of value-added methods mentioned above include the value-added methods using credit cards; the value-added processing execution unit mentioned above refers to the case where the user retains multiple credit cards. Next, the pre-recorded value-adding process can be performed based on each of the pre-recorded credit cards; For each pre-recorded credit card, a relationship is established with the pre-recorded priority; The pre-recorded specific part will be associated with each of the pre-recorded multiple credit cards. The priority of the foregoing is specified; The execution of the foregoing application processing executes the foregoing application processing based on the priority of the foregoing associated with each of the plurality of credit cards mentioned above. For example, the checkout system described in claim 1 or 2, wherein, the previous checkout means includes balances of plural types; the priority of each previous balance is set; the specific part of the previous balance refers to the plurality of previous balances; Among the balances, the priority order of the foregoing associated with the type of balance used in the aforementioned utilization process is specified; The aforementioned utilization processing execution unit performs the aforementioned utilization processing of any one of the plurality of balances mentioned above, based on The balance will be executed in priority order. The checkout system as described in claim 1 or 2, wherein the checkout system mentioned above further includes: a second decision part, which is based on each of the plurality of value-added methods mentioned above in the balance of the checkout method mentioned above. The bonus amount determines the priority of the previous notes; the specific part of the previous notes determines the priority of the previous notes that has been determined by the second decision part of the previous notes. The checkout system described in claim 1 or 2, wherein the checkout system further includes: a display control unit that controls the addition of each of the plurality of value-adding methods in the balance of the checkout method mentioned above. The value is displayed on the display. A checkout system as described in claim 1 or 2, wherein the aforementioned utilization processing execution unit is based on the balance of the aforementioned checkout method and depends only on the value-added amount of the aforementioned value-adding method with a relatively high priority. If the value is insufficient, the aforementioned utilization process is performed in such a way that the value-added amount of the value-added method with a relatively low priority is used. The checkout system described in claim 1 or 2, wherein the utilization processing execution unit mentioned above is included in the balance of the checkout method mentioned above, so that the value-added amount of the value-added method mentioned above has a relatively high priority, The utilization process mentioned above is performed by a method that is used in a greater amount than the value-added method with a relatively low priority as mentioned above. A method of utilizing a checkout method includes: A value-added processing execution step, which executes the value-added processing regarding the user's checkout method based on the value-added method selected from a plurality of value-added methods; and The specific step is to specify the priority associated with each of the plurality of value-added methods mentioned above; and The application processing execution step is to execute the application processing regarding the use of the checkout method mentioned above based on the priority mentioned above. A program product used to make a computer function: The value-added processing execution unit executes the addition of the user's checkout method based on the value-adding method selected from a plurality of value-adding methods. Value processing; The specific part specifies the priority associated with each of the plurality of value-added methods mentioned above; The application processing execution part executes the application processing regarding the use of the checkout method mentioned above based on the priority mentioned above .

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