TWI825448B - Information processing systems, information processing methods and programs - Google Patents

Abstract

It is an issue that payment using the desired payment method can be carried out using user identification information related to other payment methods.

The information processing system is provided with: an acceptance unit (21a), which is used to accept: the user identification information required to allow the user to make a payment using the first amount, and the amount of the amount of the payment object; and The second amount offset part (23a) is used to associate part or all of the aforementioned object amount with the second amount related to the user involved in the aforementioned user identification information, which is different from the aforementioned first amount. The amount will be charged up.

Description

Information processing systems, information processing methods and programs

This disclosure relates to the technology required to use user identification information to identify users and provide payment services.

Previously, when performing checkout processing by subtracting the prepaid value memorized in the card, it was determined whether the checkout amount exceeded the balance of the prepaid value. If the checkout amount exceeded the balance of the prepaid value, it was determined that the card Whether the associated data meets the predetermined conditions, and if so, the checkout processing device subtracts the checkout amount from the prepaid value, sets the prepayment value to a negative value, and performs checkout processing at the same time. was proposed (see Patent Document 1).

Furthermore, as an electronic settlement server that performs settlement of business transactions using a management database containing at least user identification information, the balance of the user's electronic money, and the user's credit limit, it executes: obtaining the user identification from the terminal information, the purchase amount and the payment target information, and the steps of obtaining the user's balance and credit limit based on the user identification information obtained from the terminal, and the purchase amount obtained from the terminal is greater than the user's balance and If the total of the user's balance and credit limit is less than the sum of the user's balance and credit limit, the user's balance will be updated to the total of the user's balance and credit limit. An electronic checkout server has been proposed that subtracts the purchase amount from the numerical value and uses the payment destination information to transfer the purchase amount to the payment destination (see Patent Document 2).

[Prior technical literature] [Patent Document]

[Patent Document 1] Japanese Patent Application Publication No. 2013-125308

[Patent Document 2] Japanese Patent Application Publication No. 2020-17171

Previously, various business operators provided various payment methods such as point services, electronic money services, and credit card services. However, there are too many payment methods to choose from for users who make payments and recipients of payments. Therefore, even if the user wants to pay with the desired payment method, the system on the payment recipient side does not support it. In the case of the appropriate payment method, there are also cases where even if the payment acceptance side supports the appropriate payment method, the operations on the user side and the payment acceptance side required to use the appropriate payment method are complicated.

In view of the above-mentioned problems, this disclosure aims to make payment using the desired payment method possible by using user identification information related to other payment methods.

An example of this disclosure is an information processing system that is provided with: an acceptance means for accepting: the user identification information required to allow the user to use the first amount to make a payment, and the amount of the payment object. The amount of the value; and the second value offset method is used to associate part or all of the aforementioned object value with the user involved in the aforementioned user identification information, which is different from the aforementioned first value. The second amount is used as a top-up.

This disclosure may be defined as a method executed by an information processing device, a system, a computer, or a program executed by a computer. In addition, the present disclosure can also be defined as recording such a program on a recording medium that can be read by a computer or other device or machine. Here, a recording medium that can be read by a computer or the like refers to a recording medium that stores information such as data or programs through electrical, magnetic, optical, mechanical or chemical effects and can be read from a computer or the like. Recording media.

If this disclosure is followed, payments using the desired payment method can be made using the user identification information involved in other payment methods.

In the following, the implementation forms of the information processing system, information processing device, method and program described in the present disclosure will be explained based on the drawings. However, the embodiments described below are only exemplary embodiments, and the information processing system, information processing device, method, and program involved in the present disclosure are not limited to the specific configurations described below. During implementation, specific configurations may be appropriately adopted depending on the implementation aspect, and various improvements or modifications may be made.

[First Embodiment] ＜System Structure＞ FIG. 1 is a schematic diagram showing the functional configuration of the information processing system 1a according to this embodiment. The information processing system 1a described in this embodiment uses one or a plurality of processors to interpret and execute various programs developed in various memories, so as to have an acceptance unit 21a and a first credit balance. The information processing system of the part 22a, the second credit recharge part 23a and the value-added part 43a functions. In this embodiment, although these functions are all executed by a general-purpose processor, some or all of these functions may also be executed by one or a plurality of dedicated processors. Realize. In addition, each functional unit included in the information processing system 1a can also be implemented remotely and/or distributed (for example, on the cloud). Furthermore, these functional parts may be implemented not by a single software module, but by a plurality of software modules.

The accepting unit 21a accepts the user identification information required to allow the user to make a payment using the first amount, and the amount of the target amount that should be paid.

The first balance replenishing unit 22a is to offset part or all of the target balance with the corresponding first balance associated with the user identification information.

The second balance replenishing unit 23a is to offset part or all of the target balance with a second balance that is different from the first balance and is related to the user involved in the user identification information. . Here, part or all of the target amount refers to the portion of the target amount that is not offset by the first amount. Furthermore, when the balance of the account having the balance information of the second balance is insufficient with respect to part or all of the target balance, the second balance recharge unit 23a applies the balance to part or all of the target balance. All the money will be offset by the second amount exceeding the balance at the point when the deficit was confirmed.

The value-adding unit 43a adds the second value to the corresponding account associated with the user.

＜Processing flow＞ Next, the flow of processing executed in this embodiment will be described. In addition, the specific content and processing sequence of the processes shown in the flowcharts described in the embodiments are only examples necessary for implementing the present disclosure. The specific processing content and processing sequence can be appropriately selected according to the implementation form of the present disclosure.

FIG. 2 is a flowchart illustrating the flow of credit replenishment processing according to the first embodiment. In the payment object balance processing described in the first embodiment, the acceptance unit 21a accepts the user identification information and the amount of the payment object amount (step S1); the first balance redemption unit 22a Part or all of the amount of the payment object is offset against the first amount associated with the user (step S2); the second amount offset part 23a is used to offset the amount that has not been offset by the first amount. The part replenishes the second amount associated with the user (step S3); the value-adding unit 43a adds the second amount to the user account (step S4).

[Second Embodiment] In this embodiment, the information processing system, information processing device, method and program described in the present disclosure are implemented in a payment system connected to a POS terminal installed in a store. form, explain. However, the information processing systems, information processing devices, methods and programs described in this disclosure can be widely used in the technology required to use user identification information to identify users and provide payment services. The applicable objects of this disclosure are not limited. Examples disclosed in implementation forms.

＜System Structure＞ FIG. 3 is a schematic diagram showing the structure of the system according to this embodiment. The system described in this embodiment includes: a point processing server 1 that can communicate with each other by being connected to the network, a payment processing server 3, 1 or a plurality of POS (point of sale) terminals 5, and account management Server 7, 1 or a plurality of user terminals 9. In addition, in this embodiment, the point processing and the payment processing are processed in different servers for explanation, but the structure of the network or the device is not limited to the example in this embodiment. For example, point processing and payment processing can also be processed by a single server, and point processing and payment processing can even be distributed to multiple servers for processing.

The system described in this embodiment is capable of converting the first value (points in this embodiment) and the second value (electronic money in this embodiment) that can be used by the user. The payment processing system used. In this embodiment, the process of obtaining the usable amount of the first amount associated with the user's account is performed, and the usable amount of the first amount is notified to the source of the user identification information (in In this embodiment, the processing of the POS terminal 5) and the payment processing using the first amount are mainly processed by the point processing server 1. In addition, in this embodiment, the payment processing using the second amount and the add-on processing of the second amount are mainly processed by the payment processing server 3 .

Here, although the first amount and the second amount can be used independently for payment, in this embodiment, it is explained that the second amount is performed through the point service that is the service required for the first amount. Deposits are also examples of payments made by electronic money. Hereinafter, the electronic money payment through the point service in this embodiment will be called "simple payment". Users who want to pay using simple payment should answer "I want to pay with points" when asked by the operator (store staff, etc.) whether they use points service, or when asked whether they use points. intention.

However, the specific contents of the first amount and the second amount described in this embodiment are only examples when the technology described in this disclosure is applied, and are not limited to the specific examples disclosed in this embodiment. For example, the first value can also be a value other than points (such as currency, miles, coupons, etc.), and the second value can also be a value other than currency (such as points, miles, coupons, etc.) . In addition, the technology described in this disclosure can be applied to various systems that use multiple types of amounts for payment.

FIG. 4 is a schematic diagram showing the hardware configuration of the system according to this embodiment. Points processing server 1 is a server required to provide point services to users. Point processing server 1 is equipped with: CPU (Central Processing Unit) 11, ROM (Read Only) Memory)12, RAM (Random Access Memory)13, EEPROM (Electrically Erasable and Programmable Read Only A computer such as a memory device 14 such as Memory) or HDD (Hard Disk Drive), a communication unit 15 such as NIC (Network Interface Card), etc. However, the specific hardware configuration of the point processing server 1 can be appropriately omitted, replaced, or added depending on the implementation aspect. In addition, the point processing server 1 is not limited to a device composed of a single frame. The point processing server 1 can be implemented by using a plurality of devices using so-called cloud or distributed computing technology.

The payment processing server 3 is a server required to provide payment services to users. The payment processing server 3 is a computer equipped with a CPU 31, a ROM 32, a RAM 33, a memory device 34, a communication unit 35, etc., like the point processing server 1. However, the specific hardware configuration of the payment processing server 3 can be appropriately omitted, replaced, or added depending on the implementation aspect. In addition, the payment processing server 3 is not limited to a device composed of a single frame. The payment processing server 33 can be implemented by a plurality of devices using so-called cloud or distributed computing technology.

The POS terminal 5 is installed in a place such as a store where users can purchase goods or services, and is a terminal device necessary for payment when goods/services are purchased. The POS terminal 5 is a computer equipped with a CPU 51, a ROM 52, a RAM 53, a memory device 54, a communication unit 55, an input device 56, an output device 57, and the like. Here, the POS terminal 5, as the input device 36, is equipped with, in addition to a keyboard or a touch panel, an optical code reader, an RFID reader, etc., a device necessary for reading user identification information. However, the specific hardware configuration of the POS terminal 5 can be appropriately omitted, replaced, or added depending on the implementation aspect. For example, the POS terminal 5 can replace the previous POS cash register terminal and use a so-called smartphone equipped with a touch panel display as an input/output device that allows the user to install and execute desired applications. The type of device used for the terminal 5 is not limited. In addition, the POS terminal 5 is not limited to a device composed of a single housing. The POS terminal 5 can be implemented by a plurality of devices using so-called cloud or distributed computing technology.

The account management server 7 is a server required for managing user accounts. The account management server 7 is a computer equipped with a CPU, ROM, RAM, memory device, communication unit, etc. (illustration omitted). In addition, the account management server 7 is not limited to a device composed of a single frame. The account management server 7 can be implemented by using multiple devices using so-called cloud or distributed computing technology. The points processing server 1 and the payment processing server 3 obtain information about the user such as the user's membership status, point balance, electronic money balance, etc., by accessing the account management server 7 .

The user terminal 9 is a terminal device used by the user. The user terminal 9 is a computer equipped with a CPU, ROM, RAM, memory device, communication unit, input device, output device, etc. (not shown). In addition, the user terminal 9 is not limited to a device formed of a single housing. The user terminal 9 can be implemented by a plurality of devices using so-called cloud or distributed computing technology. The user uses various services provided by the point processing server 1 and the payment processing server 3 through these user terminals 9 .

FIG. 5 is a schematic diagram showing the functional configuration of the information processing system according to this embodiment. The POS terminal 5 controls each hardware included in the POS terminal 5 so as to have an identification information reading unit by reading the program recorded in the memory device 54 onto the RAM 53 and executing it by the CPU 51 61 and the information processing device of the information transmitting unit 62 to function. In addition, in this embodiment and other embodiments described below, each function of the POS terminal 5 is executed by the general-purpose processor, that is, the CPU 51, but some or all of these functions may also be executed by 1 or 2. executed by multiple special-purpose processors.

The identification information reading unit 61 prompts the user for processing related to the first amount (in this embodiment, point-related processing such as acquisition, notification, and use of the number of usable points). user identification information to read.

The information transmitting unit 62 transmits the user identification information read by the identification information reading unit 61 to the point processing server 1 that performs point-related processing.

In the point processing server 1, the program recorded in the memory device 14 is read out to the RAM 13 and executed by the CPU 11 to control each hardware included in the point processing server 1 to become It is provided with an acceptance part 21, a first credit recharge part 22, a second credit recharge part 23, a usable amount notification part 24, a completion notification part 25, a point user identification information generation part 26, and a point user identification part. The information processing device of the information storage unit 27 functions. In addition, in this embodiment and other embodiments described below, each function of the point processing server 1 is executed by the general-purpose processor, that is, the CPU 11, but some or all of these functions may also be executed by the CPU 11. Executed by 1 or more dedicated processors.

The acceptance unit 21 accepts the user identification information presented to the user in order for the user to pay using the first amount, and the amount of the target amount to be paid. In this embodiment, the amount to be paid is input into the POS terminal 5 and is the payment amount made by the user. However, the type of payment object amount to which the technology described in this disclosure is applicable is not limited to general currency. The technology described in this disclosure can also be applied to payment object amounts other than general currencies, such as product exchange using points or so-called miles. In addition, payment to which the technology described in this disclosure may be applied is not limited to payment of consideration for goods or services. The technology described in this disclosure is widely applicable to systems that can transfer object credits from one user to other users.

The first balance replenishing unit 22 offsets part or all of the target balance with the corresponding first balance associated with the user identification information. As mentioned above, the first value in this embodiment is points, and the first value recharge unit 22 performs point-related processing for the user involved in the received user identification information.

The second balance offset part 23 is to offset part or all of the target balance with a second balance that is different from the first balance and is related to the user involved in the user identification information. . Here, part or all of the target amount refers to the portion of the target amount that is not offset by the first amount.

Furthermore, when the balance of the account having the balance information of the second balance is insufficient with respect to part or all of the target balance, the second balance recharge unit 23 applies the balance to part or all of the target balance. All the money will be offset by the second amount exceeding the balance at the point when the deficit was confirmed. At this time, the second balance replenishment unit 23 records the deficiency and performs replenishment of the target balance within the range where the total of the recorded deficiencies does not reach the preset upper limit. However, there is no need to set an upper limit on the amount of the second balance to be offset by the second balance replenishment unit 23 .

The usable amount notification unit 24 combines the amount of the first balance that can be offset by the first balance recharge unit 22 (in this embodiment, the point balance) and the amount of the second balance recharge unit 23. The total amount of the second amount that can be offset (in this embodiment, the electronic money balance and the credit limit) is notified so that the user can offset the amount to be paid (payment amount). The amount of the first value (points in this embodiment).

The completion notification unit 25 notifies the completion notification source of the amount of the target amount that the payment is completed when the payment of all the amount of the target amount accepted by the acceptance unit 21 is completed.

The point user identification information generating unit 26 generates point user identification information required for point-related processing in response to a request from the user terminal 9 . In this embodiment, the point user identification information is identification information generated by the point processing server 1 in order to access the user's account. In addition, in this embodiment, the point user identification information is generated as a different value every time it is generated, and the example of the manufacturer user identification information that is invalidated according to the predetermined conditions is used for explanation. However, Points user identification information may also take other forms. For example, the point user identification information may not be temporary but fixed information. At this time, the fixed user identification information may be displayed in the application for the point service, or may be information recorded in the card media.

The point user identification information storage unit 27 associates and stores the generated point user identification information with the user ID.

Here, the user ID is an ID managed by an account management system accessible from both the point processing server 1 and the payment processing server 3 . Therefore, in this embodiment, the point processing server 1 and the payment processing server 3 can confirm the usage of different user identification information by using the user ID managed by the account management system. the identity of the person.

In the payment processing server 3, the program recorded in the memory device 34 is read out to the RAM 33 and executed by the CPU 31 to control each hardware included in the payment processing server 3 so as to become a pre-processing server. The information processing device of the authentication part 41, the authentication result holding part 42, the value adding part 43, the payment user identification information generation part 44, and the payment user identification information storage part 45 functions. In addition, in this embodiment and other embodiments described below, each function of the payment processing server 3 is executed by the general-purpose processor, that is, the CPU 31, but some or all of these functions may also be executed by the CPU 31. be executed on one or more dedicated processors.

The pre-authentication unit 41 performs authentication necessary for determining whether to allow the addition of value by the value-adding unit 43 to the user before the acceptance unit 21 accepts the amount of the target amount.

The authentication result holding unit 42 holds information that can be used to identify the user who has been judged by the preliminary authentication unit 41 not to allow the addition of value by the value-adding unit 43 .

The value-adding unit 43 adds the second value to the corresponding account associated with the user. In addition, in this embodiment, the value-adding unit 43 adds the second amount that is more than the recorded deficit amount after the completion of the replenishment of the target amount by the second amount replenishing unit 23. Value, add value to the account. In addition, the amount of the second value added here may be the same amount as the insufficient amount, or may be a fixed amount greater than the insufficient amount. As for whether to set the amount of the second added value to be the same amount as the shortage amount or a fixed amount, the user can choose in advance and set it in the user setting information.

The payment user identification information generating unit 44 generates payment user identification information required for payment processing in response to a request from the user terminal 9 . In this embodiment, the payment user identification information is identification information generated by the payment processing server 3 in order to access the user's payment means. In addition, in this embodiment, it is explained that the payment user identification information is an example of using one-time user identification information that is generated with a different value each time and is invalidated after being used once. However, the payment user identification information The identification information may also take other forms. For example, payment user identification information may not be variable but fixed information. At this time, the fixed user identification information may be displayed in the application for payment services, or may be information recorded in the card media.

The payment user identification information storage unit 45 associates and stores the generated payment user identification information with the user ID.

＜Processing flow＞ Next, the flow of processing executed by the information processing system according to this embodiment will be described. In addition, the specific content and processing sequence of the processing described below are only examples necessary for implementing the present disclosure. The specific processing content and processing sequence can be appropriately selected according to the implementation form of the present disclosure.

FIG. 6 is a flowchart illustrating an outline of the pre-authentication process according to this embodiment. The processing shown in this flowchart is executed regularly on the list of users who have applied for the use of the simple payment service. However, the sequence in which the processing shown in this flowchart is executed is not limited to the example described here. For example, the pre-authentication process may be executed when the user operates the user terminal 9 to apply for the use of the simple payment service. Furthermore, in this embodiment, an example is described in which the pre-authentication process is executed by the payment processing server 3, but the pre-authentication process may also be executed by another execution subject (for example, the point processing server 1, etc.).

The pre-authentication unit 41 of the payment processing server 3 extracts the user ID of the user who has applied for the use of the simple payment service described in this embodiment from the simple payment service user list (step S301). The credit card information associated with the extracted user ID is obtained from the user setting information or account management server (step S302), and the obtained credit card information is sent to the credit processing system. To perform authentication (authorization) of the credit card information (step S303). Once the authentication result (success/failure of credit card authentication) is obtained from the credit processing system, the authentication result holding unit 42 of the payment processing server 3 records information that can be used to confirm the authentication result (step S304). Thereafter, the processing shown in this flowchart ends. However, the credit card information that is pre-authenticated in the pre-authentication process is not limited to the credit card information that is already associated with the user ID as described in this embodiment. For example, the pre-authentication unit 41 may also use credit card information that has been associated with the user terminal 9 as a subject of pre-authentication.

The method of pre-authentication is not limited to the example shown in this embodiment, but for example, the extracted credit card information and the credit charge amount of 0 (zero) yen may be sent to the credit processing system (illustration omitted) ) to make a request for credit processing, and by referring to the response content of the credit processing system to the request (whether credit payment is possible), the extracted credit card information can be authenticated without actually making a charge. In this embodiment, when a response indicating that credit card authentication has failed (credit payment is not possible) is obtained from the credit processing system, the authentication result holding unit 42 of the payment processing server 3 logs the corresponding user into blacklist.

In addition, in this embodiment, although the blacklist method is used in the preliminary authentication process, the method of retaining the results of the preliminary authentication process is not limited to the blacklist method. A whitelist method can also be used when recording the authentication results. The authentication results can also be maintained for each user as information that can be used to confirm the user's membership status. The confirmation result of the pre-authentication process will be referred to in the payment process described later to confirm whether the simple payment service can be used.

7 to 10 are flow charts and communication procedures schematically illustrating the payment process according to this embodiment. The processing shown in this flowchart is performed by scanning the barcode attached to the product or service in the POS terminal 5, or by inputting the price of the product/service by the store clerk (operator). The operation required to determine the payment amount made by the customer (user) (such as pressing the "Subtotal" button, etc.) is triggered and executed.

In steps S101 to S107, the user's payment amount is determined, and user identification information required for point service utilization is read. Once the POS terminal 5 accepts the payment amount determination operation performed by the operator, it determines the payment amount (the amount of the amount to be paid) by the user (step S101), and is used to confirm the user's point. Output the input acceptance screen required for the use of the digital service (for example, the screen required to accept the operator or user's instruction on the use of the data service, or the waiting screen for reading the user identification information) (step S102) . At this time, the operator inquires the user whether the point service is used or not, and requests the user to provide the user identification information required to use the point service.

In this embodiment, an example of using the simple payment service through the point service will be described. When the user wishes to use the simple payment service, he or she expresses the intention to the operator to "pay with points." This is because although the payment method actually used by the user is a simple payment service that uses points, electronic money, and credit limit to pay by using point user identification information, the operator and the POS terminal 5 use it. It is recognized as a previous point payment and processed. In addition, when the user expresses the intention of "paying with points", the operator is also prompted with the media required to read the user identification information (user terminal 9 displaying the code). , or print coded cards, record coded RFID tags, etc.). Here, the code representing user identification information may be in the form of a one-dimensional code (so-called barcode) or a two-dimensional code (so-called two-dimensional barcode).

The point user identification information generation unit 26 of the point processing server 1 or the payment user identification information generation unit 44 of the payment processing server 3 generates data through a user terminal such as a smartphone used by the user. The user identification information issuance request sent (step S103) by the point/payment processing application activated in step 9 is received through the Internet, and point user identification information for point processing is generated. , or payment user identification information for payment processing, and issue it (step S105). The user identification information generated here is stored in the point user identification information storage unit 27 of the point processing server 1 or the payment user identification information storage unit 45 of the payment processing server 3, together with the user ID. Create a relationship and be recorded. In addition, the point processing server 1 obtains the point balance and electronic money balance of the target user's account by inquiring the account management server 7, and notifies the payment processing server 3 and the user terminal 9 application (step S104).

In addition, the application for point service and the application for payment processing executed in the user terminal 9 may be implemented as one application having the functions of both. In this embodiment, these applications are collectively called a point/payment processing application. The point/payment processing application of the user terminal 9 receives the issued point user identification information or the payment user identification information, and generates a code (one) based on the received user identification information. dimensional/QR code), displayed on the display of the user terminal 9 (step S106). The user prompts the displayed code to the operator, and the identification information reading unit 61 of the POS terminal 5 reads the code from the displayed code through the code reader of the POS terminal 5 operated by the operator. Obtain user identification information (step S107). Thereafter, the process proceeds to step S109.

In steps S109 and S110, a verification request for the number of usable points and the user identification information accompanying it are sent. Once the information transmitting unit 62 of the POS terminal 5 reads the user identification information from the code presented by the user through the operator's operation, it determines that the user wishes to use the point service, and retrieves the user identification information from the code. The read user identification information and the store ID set in the POS terminal 5 are sent to the point processing server 1 (step S109). The point processing server 1 receives the user identification information and store ID transmitted from the POS terminal 5 (step S110). Thereafter, the process proceeds to step S111.

In steps S111 to S113, the target user's user ID, point balance, electronic money balance, and credit limit balance are obtained. The point processing server 1 queries the point user identification information storage unit 27 or the payment user identification information storage unit 45 based on the user identification information, thereby acquiring the user ID of the target user. and confirmation of membership status (step S111). Furthermore, the point processing server 1 also queries the account management server 7 based on the user identification information, thereby obtaining the point balance and electronic money balance of the target user account (step S112). Then, the point processing server 1 obtains the credit limit balance of the simple payment (step S113).

Here, the so-called credit limit balance is the current balance of the credit limit to the user, which is prepared in addition to the point balance and electronic money balance in simple payment. In this disclosure, as the credit limit, the credit limit balance of electronic money is used (the electronic money balance is temporarily turned into a negative value, and the electronic money is recharged afterwards to offset the positive part), and the automatic fixed recharge of electronic money is used. Examples of the amount (a fixed amount for automatically adding value to an electronic money account) and the automatic top-up limit for electronic money (a necessary amount for automatically adding value to an electronic money account) are used to illustrate this. However, lines of credit can also be extended through other means. Thereafter, the process proceeds to step S114.

In steps S114 and S115, various restrictions related to simple payment are obtained. The point processing server 1 obtains the information from the user setting information that is set in advance and associated with the user, or from the pre-authentication result (blacklist in this embodiment) held by the authentication result holding unit 42 Restriction information on simple payment caused by the user (such as the upper limit of the number of simple payment uses per month, or whether the user has been logged into the blacklist) (step S114). Furthermore, the point processing server 1 specifies the store setting information that is set in advance and is associated with the store ID based on the store ID received in step S110, and obtains the store from the specified store setting information. Use restriction information for point payment (for example, the upper limit of points that can be used for each purchase) (step S115). Thereafter, the process proceeds to step S117.

In steps S117 and S118, the number of usable points is calculated and sent. The usable amount notification unit 24 of the point processing server 1 calculates the usable amount that can be used by the target user in this payment based on the information obtained through the processing from step S111 to step S115. The number of points (the number of usable points) (step S117). In this embodiment, the number of points that can be used is specifically calculated using the procedure described below.

(1) First, determine whether the target user can use simple payment. For example, based on the user's membership status or restriction information, it is confirmed that the user is in a state that cannot use Simple Payment (such as being logged into the blacklist and being suspended from using Simple Payment, or the monthly Simple Payment If the number of paid uses exceeds the upper limit, etc.), the number of usable points is calculated as "0 (zero)".

(2) If it is confirmed that the user cannot use simple payment, then the number of usable points is calculated based on the point balance, electronic money balance, and credit limit balance. In this case, "the number of usable points = point balance + electronic money balance + credit limit balance". For example, if the point balance is 500 points, the electronic money balance is 500 yen, and the credit limit balance is 1,000 yen, and 1 point = 1 yen can be used, the total of 2,000 points will be regarded as the number of usable points. And was figured out.

(3) Finally, confirm that the number of usable points has been calculated and that the use does not exceed a certain limit that has been set in advance. When the calculated number of points that can be used exceeds the preset upper limit (for example, the upper limit of points that can be used per purchase set by the store where the payment is made, or by the user) If the upper limit of points that can be used per month is set), the lowest upper limit among one or more upper limits that match is calculated as the number of points that can be used.

Once the number of usable points of the target user at the time of this payment is calculated, the usable amount notification unit 24 of the point processing server 1 compares the target user's point user identification information and the number of usable points. POS terminal 5 transmits (step S118). The transmitted information is received by the POS terminal 5, and then the process proceeds to step S119.

In addition, in this embodiment, the POS terminal 5 recognizes the verification request for the number of usable points sent in step S109 as the previous point balance introduction, and uses the number of usable points sent in step S118 as the previous point balance introduction. There will be no problem if you accept it as a credit balance and perform subsequent processing. By adopting such a method, the system on the POS terminal 5 side can utilize the simple payment service described in this disclosure by using the same process as the previous points, without modifying the system on the POS terminal 5 side or converting the POS Modification of the system on the terminal 5 side is reduced to a minimum, and the simple payment service described in the present disclosure can be utilized.

In steps S119 to S123, the payment amount is offset by simple payment in response to the user's request. The POS terminal 5 displays the number of usable points of the target user account received in step S118, and accepts whether all or part of these usable points should be used to offset this payment. The screen required for this instruction is displayed (step S119). In addition, when the user identification information is read in step S107, if the user has already conveyed the intention to "pay with points" to the operator, here, the operator does not need to inform the user again. Confirm the meaning of using points. However, if the number of usable points is insufficient relative to the payment amount, the user may also choose to pay part of the payment amount with simple payment, or cancel the use of simple payment and use other payment methods for payment.

When an instruction not to use usable points for payment is received (NO in step S120), the point use process is skipped, and the process proceeds to step S131. On the other hand, when receiving an instruction to use usable points (to offset payment) and an instruction to specify the amount of points to be used (YES in step S120), the POS terminal 5 The point replenishment instruction including the number of accepted use points is sent to the point processing server 1 (step S121). In addition, when the payment amount is less than the number of usable points, as long as the user does not intend to change the simple payment at this time, the number of use points equal to the payment amount determined in step S101 will be sent to the point. Data processing server 1.

The reception unit 21 of the point processing server 1 receives the point recharge instruction including the number of used points sent from the POS terminal 5 (step S122), and the first balance recharge of the point processing server 1 The offset part 22 and the second credit recharge part 23 execute simple payment processing (step S123). Details of the simple payment process will be described later with reference to Figures 11 and 12 . Once the simple payment processing is completed, the completion notification unit 25 of the point processing server 1 notifies the point replenishment completion and sends it to the payment processing server 3 and the POS terminal 5 (step S124).

In steps S125 to S127, the completion of the simple payment is notified to the user. At least during the simple payment processing, the application of the user terminal 9 inquires the payment status of the point processing server 1 or the payment processing server 3 (step S125). More specifically, in this embodiment, the application of the user terminal 9 notifies the user of the payment status within a certain period of time (for example, within the last 5 minutes) at certain intervals (for example, every one second) during activation. , query the server. However, the application program of the user terminal 9 may also adopt other methods to obtain the payment status. Once the simple payment processing is completed, the point processing server 1 or the payment processing server 3 generates a payment completion screen and sends a message to the application of the user terminal 9 (step S126). The application of the user terminal 9 that has received the payment completion screen causes the payment completion screen to be displayed on the display of the user terminal 9, thereby notifying the user that the point recharge for the simple payment has been completed ( Step S127).

In step S128, after receiving the completion of the simple payment process, various information is updated. The point processing server 1 updates the payment history data of the target user once the payment of points is completed, and then the points of the target user managed by the account management server 7 The balance and electronic money balance are updated. Specifically, the point processing server 1 adds a new record to the payment history of the target user, and in the record, the user identification information, user ID, and payment amount (number of points used) of the target user are added. And the payment date and time information is related and recorded. In addition, the point processing server 1 notifies the account management server 7 of the number of points used this time and the amount of electronic money used, together with information (user ID or user identification information) that can specify the target user. , the points balance and/or electronic money balance that have been used will be deducted from the point balance and/or electronic money balance of the target user account, thereby updating the point balance and/or electronic money balance.

In steps S130 to S132, payment is completed. Once the POS terminal 5 receives the point replenishment completion notification sent by the point processing server 1 in step S124, it deducts an amount equivalent to the used points from the payment amount, thereby Points are used to offset part or all of the payment, and it is determined whether the entire amount of payment has been offset by the points that have been notified of completion (step S130). Here, when it is determined that there is an unpaid portion of the payment amount (NO in step S130), the POS terminal 5 accepts payment methods other than simple payment/point payment (for example, cash) desired by the user. payment or credit card payment, electronic money payment, etc.), and perform payment processing using the instructed payment means (step S131). In addition, details of processing by other payment methods are omitted. Once the entire payment amount has been charged, the POS terminal 5 completes the payment and issues a receipt (step S132). Thereafter, the processing shown in this flowchart ends.

11 and 12 are flowcharts and communication procedures schematically illustrating the simple payment process according to this embodiment. The processing shown in this flowchart is executed when the point processing server 1 receives the information transmitted from the POS terminal 5 in step S122 of FIG. 9 .

In step S201, the content of the priority setting is confirmed. The first credit recharge unit 22 of the point processing server 1 is a point recharge instruction including the number of points used (hereinafter referred to as "point settlement amount") that is once transmitted from the POS terminal 5 Upon receipt, refer to the user setting information of the target user to determine whether the simple payment setting of the target user is points priority (first value priority) or electronic money priority (second value priority). Here, the so-called point priority is an option required to give priority to the point balance held by the target user for payment, and the so-called electronic money priority is to give priority to the use of the electronic money balance held by the target user for payment. Required options. When the setting of the simple payment regarding the target user is electronic money priority, the process proceeds to step S202. On the other hand, when the setting of the simple payment regarding the target user is point priority, the process proceeds to step S203.

In step S202, a simple payment process without using the point balance owned by the user is entrusted. When the setting of the simple payment for the target user is to give priority to electronic money, the second balance unit 23 does not confirm the point balance, but adds the number of use points (points) received in step S122. (point settlement amount), notify the payment processing server 3, and entrust the entire point settlement amount to be charged. Thereafter, the process proceeds to step S212.

In steps S203 and S204, if the point balance owned by the user is more than the point settlement amount, a simple payment process using only the point balance is performed. The first balance unit 22 of the point processing server 1 compares the number of usage points (point settlement amount) received in step S122 with the point balance of the target user (step S203) . When the point balance is more than the point settlement amount, in other words, when "point balance - point settlement amount" is 0 or more (YES in step S203), the first balance replenishment unit 22, Points equivalent to the point settlement amount are used to settle the account from the point balance (step S204), and the process shown in this flowchart ends. On the other hand, when the point balance is less than the point settlement amount, in other words, when "point balance - point settlement amount" is less than 0 (NO in step S203), the processing system Go to step S211.

In steps S211 to S213, if the total of the point balance and the electronic money balance owned by the user is more than the points settlement amount, the simple payment process using the point balance and the electronic money balance will be conduct. The second credit recharge unit 23 notifies the payment processing server of the number of insufficient points (=point settlement amount-point balance) when the balance of points required for point settlement is insufficient. 3. And entrust the amount of deficient points to be offset (step S211). Once the payment processing server 3 receives the request to offset the insufficient number of points, it compares the received insufficient number of points with the electronic money balance of the target user (step S212). When the number of insufficient points is less than the electronic money balance, in other words, when the "electronic money balance - the number of insufficient points" is 0 or more (YES in step S212), the payment processing server 3 will not process the system. The point processing server 1 is notified that the electronic money of the target user corresponding to the insufficient number of points is used in place of the target user's points to offset the payment (step S213), and the process proceeds to step S231. Go forward. On the other hand, when the number of insufficient points exceeds the electronic money balance, in other words, when "electronic money balance - the number of insufficient points" is less than 0 (NO in step S212), the electronic money balance is insufficient. , so the process proceeds to step S221.

In steps S221 to S225, if the total of the point balance, electronic money balance and credit limit balance owned by the user is more than the points settlement amount, then the point balance, electronic money balance and credit limit are used Simple payment processing of the credit balance will be performed. When the electronic money balance is insufficient, the payment processing server 3 calculates the amount of insufficient electronic money (= number of insufficient points - electronic money balance) (step S221), and obtains the credit limit balance of the target user (step S222). , compare the insufficient amount of electronic money with the balance of the credit limit (step S223). When the "credit limit balance - insufficient amount of electronic money" is less than 0 (NO in step S223), the credit limit balance of the target user cannot be used to offset the current payment amount with points. , therefore the process shown in this flowchart ends with an error (step S224). Specifically, the payment processing server 3 returns an error to the point processing server 1, and the point processing server 1 returns an error (point payment error) to the POS terminal 5, and ends the process. On the other hand, when the "credit limit balance - insufficient amount of electronic money" is 0 or more (YES in step S223), the payment processing server 3 will withdraw an amount equal to the electronic money balance and the credit limit balance. The point processing server 1 is notified of the fact that the electronic money of the insufficient number of points is used to offset the payment in place of the points of the target user (step S225), and the process proceeds to step S231.

In step S231, points on the settlement amount (including deemed points due to electronic money/credit limit) are offset. The second credit replenishment unit 23 uses the entire point balance, and also takes electronic money (including the credit limit balance) corresponding to the number of insufficient points notified from the payment processing server 3 for the amount of insufficient points. The settlement is performed instead of the target user's points, and the process shown in this flowchart is completed. In addition, in this embodiment, the payment processing server 3 deducts the electronic money balance of the target user to perform payment of the electronic money that has been charged up to insufficient points. Once the processing shown in this flowchart is completed, the processing performed by the point processing server 1 returns to the payment flow, and the processing after step S124 in FIG. 9 is executed.

FIG. 13 is a flowchart illustrating an outline of the credit limit balance reply process according to this embodiment. The process shown in this flowchart is that the payment processing server 3, which has performed point recharge using the credit limit balance in the simple payment process, receives the point recharge sent from the point processing server 1. The completion notification (step S124) is taken as an opportunity to be executed. However, the credit limit balance reply processing system may also be processed in batches, for example, on a monthly basis. By setting such an execution sequence, it is possible to design a service form such that the credit limit balance is restored at the beginning of the month.

When the payment processing server 3 performs point recharge using the credit limit balance in the simple payment process, it waits for the point recharge completion notification sent from the point processing server 1 (step S124). is received (step S241), and the balance of the credit limit is updated according to the number of points that have been charged (step S242). Specifically, when the payment processing server 3 is set with an upper limit of the credit limit of the target user (for example, 5,000 yen), and the credit limit is used to offset the insufficient amount of electronic money (for example, 1,000 yen) , the credit limit balance will be updated after deducting the insufficient amount of electronic money used to offset the amount (for example, 4,000 yen = 5,000 yen - 1,000 yen). Thereafter, the payment processing server 3 uses the credit card information of the target user and a credit request amount equivalent to at least "the upper limit of the credit limit - the current credit limit balance" (in the above example, it is 1,000 yen), A request is sent to the credit processing system for credit processing (step S243), so that the credit limit balance is restored to the credit limit limit (step S244). Thereafter, the processing shown in this flowchart ends.

Previously, users could use points issued by various companies to offset part or all of the payment for goods or services. However, if the balance of points was insufficient relative to the amount of payment, the user would You have to change to other payment methods or have to suspend checkout first and add value separately, which will cause trouble.

On the other hand, according to the system described in this embodiment, when the point balance is lower than the payment amount, electronic money corresponding to the insufficient amount is issued to offset the payment, thereby eliminating the need to suspend the payment. By checking out and adding value, you can pay smoothly. Furthermore, according to the system described in this embodiment, if the user has set it in advance, even if the user has a point balance, by transferring the electronic amount corresponding to the payment amount, Currency is used to offset payment, and payment can still be realized without damaging the needs of users who want to use points for other purposes.

[Third Embodiment] In the second embodiment described above, the second amount of value (electronic money) is used to offset the second amount of value (electronic money) to the payment object by using the balance of the credit line. An example of the method of adding value to the second balance to restore the balance of the credit line (hereinafter referred to as the "top-up method after top-up") was explained. However, the timing of adding the second value is not limited to the example described in the second embodiment. In the third embodiment described below, the second amount is added before the second amount is charged to the payment object, and the added second amount is used to make the payment. An example of the object's top-up method (hereinafter referred to as the "top-up method before top-up"). In addition, the configuration and processing contents described in the second embodiment are denoted by the same reference numerals, and descriptions thereof are omitted.

＜System Structure＞ The network structure and hardware structure of the system described in this embodiment are schematically the same as those of the second embodiment described with reference to FIGS. 3 and 4, and therefore the description is omitted.

FIG. 14 is a schematic diagram showing the functional configuration of the information processing system according to this embodiment. In this embodiment, the functions of the second credit recharge unit 23b of the point processing server 1b and the value adding unit 43b of the payment processing server 3b are the same as those of the point processing server explained in the second embodiment. The functions of the second credit recharge unit 23 of the server 1 and the recharge unit 43 of the payment processing server 3 are different. As for other functional parts, they are roughly the same as those in the second embodiment, so descriptions are omitted.

In this embodiment, when the balance of the account is insufficient for part or all of the target amount, the value-adding unit 43b adds the value to the target amount due to the second balance recharge unit 23b. Before recharging, at least the second amount above the insufficient amount should be added to the account. In addition, the amount of the second value added here may be the same amount as the deficiency amount, or may be an amount greater than the deficiency amount. As for whether to set the amount of the second added value to be the same amount as the shortage amount or a fixed amount, the user can choose in advance and set it in the user setting information.

In this embodiment, the second credit replenishing unit 23b uses the second balance added by the adding unit 43b after adding the second balance more than the insufficient amount by the adding unit 43b. The second amount is used to offset the object's amount.

＜Processing flow＞ Next, the flow of processing executed by the information processing system according to this embodiment will be described. In addition, the specific content and processing sequence of the processing described below are only examples necessary for implementing the present disclosure. The specific processing content and processing sequence can be appropriately selected according to the implementation form of the present disclosure.

The pre-authentication process and the payment flow described in this embodiment are schematically the same as those described in the second embodiment with reference to FIGS. 6 to 10 , and therefore the description is omitted. Furthermore, as mentioned above, in this embodiment, since the top-up method before replenishment is adopted, in the second embodiment, as explained with reference to FIG. 13 , after the second amount is replenished to the payment object, the second amount is replenished. The processing of adding value to the credit limit to restore the balance of the credit limit is not required.

15 to 17 are flowcharts and communication procedures schematically illustrating the simple payment processing (recharge method) according to this embodiment. The processing shown in this flowchart is executed when the point processing server 1 receives the information transmitted from the POS terminal 5 in step S122 of the payment flow.

The processing of steps S401 to step S413 and step S431 is roughly the same as the steps S201 to step S213 and step S231 of the simple payment process described in the second embodiment, so the description is omitted. The processing from step S421 to step S427 will be described below.

In steps S421 to S427, if the total of the points balance, electronic money balance and credit limit owned by the user is more than the points settlement amount, then the point balance, electronic money balance and credit limit are used Simple payment processing will be carried out. When the electronic money balance is insufficient, the payment processing server 3 calculates the amount of insufficient electronic money (= number of insufficient points - electronic money balance) (step S421), and obtains the credit limit of the target user (step S422). The amount of insufficient electronic money is compared with the credit limit (step S423).

In this embodiment, the so-called credit limit is an automatic fixed recharge amount for the electronic money preset by the target user (a fixed recharge amount will be automatically added to the electronic money account), or an automatic fixed recharge amount for the electronic money preset by the target user. Any of the automatic top-up limits (if the electronic money account is below the upper limit, the necessary amount will be automatically added).

When the "credit limit - insufficient amount of electronic money" is less than 0 (NO in step S423), the credit limit of the target user cannot be used to offset the current payment amount with points. The process shown in this flowchart ends with an error (step S424). Specifically, the payment processing server 3 returns an error to the point processing server 1, and the point processing server 1 returns an error (point payment error) to the POS terminal 5, and ends the process.

On the other hand, when the "credit limit - insufficient amount of electronic money" is 0 or more (YES in step S423), the payment processing server 3 transfers the electronic money corresponding to the credit limit to the electronic money of the target user. The balance is added (step S425), and the user's electronic money balance is updated (step S426). Specifically, the payment processing server 3 transmits the credit card information of the target user and the credit request amount equivalent to at least "less than the amount of electronic money" to the credit processing system to perform credit processing, and receives the credit processing request. After completing the notification, the amount of electronic money for the credit request amount is added to the balance. For example, if the insufficient amount of electronic money is 1,000 yen and the target user's automatic fixed recharge amount is 3,000 yen, then the user's electronic money balance can be reduced to insufficient electronic money through the fixed recharge of 3,000 yen. monetary amount and above. Also, for example, if the insufficient amount of electronic money is 1,000 yen and the upper limit of the automatic top-up of the target user is 3,000 yen, the user's electronic money balance can be added by adding 1,000 yen which does not exceed the upper limit. , becomes the same amount as the insufficient amount of electronic money.

Once the user's electronic money balance becomes more than the insufficient amount of electronic money, the payment processing server 3 will take out an amount of electronic money equivalent to the insufficient points from the electronic money balance to replace the points of the target user and recharge the payment. The arrival is notified to the point processing server 1 (step S427), and the process proceeds to step S431.

＜Modification＞ In the second embodiment and the third embodiment described above, in the case of priority setting of points, priority is given to use in the order of point balance, electronic money balance, and credit limit. In the case of priority setting of electronic money, The following is an example of prioritizing use in the order of electronic money balance and credit limit. However, it can also be a "top-up priority setting" in which even the electronic money balance is not used and only the credit limit is used. In this case, the electronic money balance is considered to be 0. Therefore, once the payment target amount (point settlement amount) is accepted by the acceptance unit 21 and the value-added priority processing is selected, the electronic money priority is After the setting step S202 similarly notifies the payment processing server of the points settlement amount, the processing of steps S212 to step S222 (or step S412 to step S422) is skipped, and in step S223 (or step S423), Determine whether the "credit limit-point settlement amount" is above 0. Then, the value-adding unit 43 (or the value-adding unit 43b) adds value to the second value (electronic money) in an amount at least equivalent to the payment target value (point settlement amount). With this design, the number of options that can be used to offset payments through the user identification information used for point processing can be further increased. The user only needs to provide the user identification information used for point processing. You can use the preset amount of the desired type to offset the payment.

Furthermore, in the above embodiment, the one-dimensional/two-dimensional code and the optical code reader are mainly explained as the means for obtaining the user identification information. However, the means for obtaining the user identification information can also be adopted as described in this embodiment. Other means (such as RFID and IC readers, or strings and OCR, etc.).

1,1b:Point processing server 1a:Information processing system 3,3b: Payment processing server 5:POS terminal 7:Account management server 9: User terminal 11:CPU 12:ROM 13: RAM 14:Memory device 15: Communication unit 21,21a: Acceptance Department 22,22a: The first credit part 23, 23a, 23b: The second credit part 24:Available Quantity Notification Department 25:Complete notification department 26: Point user identification information generation unit 27: Point user identification information memory unit 31:CPU 32:ROM 33: RAM 34:Memory device 35: Communication unit 41:Preliminary certification department 42: Certification Result Maintenance Department 43, 43a, 43b: value-added department 44: Payment user identification information generation department 51:CPU 52:ROM 53: RAM 54:Memory device 55: Communication unit 56:Input device 57:Output device 61: Identification information reading part 62:Information and Communication Department

[Fig. 1] A schematic diagram showing the functional configuration of the information processing system according to the embodiment. [Fig. 2] A flowchart illustrating the flow of credit replenishment processing according to the embodiment. [Fig. 3] A schematic diagram of the structure of the information processing system according to the embodiment. [Fig. 4] A diagram schematically illustrating the hardware configuration of the information processing system according to the embodiment. [Fig. 5] A schematic diagram showing the functional configuration of the information processing system according to the embodiment. [Fig. 6] A flowchart illustrating an outline of the pre-authentication process described in the embodiment. [Fig. 7] A flowchart and communication program (1) illustrating an outline of the payment process according to the embodiment. [Fig. 8] A flowchart and communication program (2) illustrating an outline of the payment process according to the embodiment. [Fig. 9] A flowchart and communication procedure (3) illustrating an outline of the payment process according to the embodiment. [Fig. 10] A flowchart and communication procedure (4) illustrating an outline of the payment process according to the embodiment. [Fig. 11] A flowchart and communication procedure (1) illustrating an outline of the simple payment process according to the embodiment. [Fig. 12] A flowchart and communication procedure (2) illustrating an outline of the simple payment process according to the embodiment. [Fig. 13] A flowchart illustrating an outline of credit line balance reply processing according to the embodiment. [Fig. 14] A schematic diagram showing the functional configuration of the information processing system according to the embodiment. [Fig. 15] A flowchart and communication procedure (1) illustrating an outline of the simple payment processing (recharge method) according to the embodiment. [Fig. 16] A flowchart and communication procedure (2) illustrating an outline of the simple payment processing (recharge method) described in the embodiment. [Fig. 17] A flowchart and communication procedure (3) illustrating an outline of the simple payment processing (recharge method) described in the embodiment.

1a:Information processing system

21a: Acceptance Department

22a: The first recharge part

23a: The second credit part

43a: Value added department

Claims (11)

An information processing system is provided with: an acceptance means for accepting from a POS terminal: user identification information required for a user to make a payment using a first amount, and the amount of the payment object; and the first amount offset method, which is used to offset part or all of the aforementioned object amount with the aforementioned first amount associated with the aforementioned user identification information; and the second amount offset method , is used to associate the user involved in the user identification information mentioned above with the part not offset by the first amount mentioned above among the aforementioned target amount, which is of a different type from the first amount mentioned above. and the usable amount notification means are used to combine the amount of the aforementioned first amount that can be offset by the aforementioned first amount of offset means with the aforementioned second amount of offset means. The total amount of the second amount mentioned above that can be offset is notified to the aforementioned POS terminal as the amount of the first amount mentioned above that allows the user mentioned above to offset the amount mentioned above for payment, and the recipient is ordered to do so. The aforementioned POS terminal that receives notification of the aforementioned total will display the corresponding total to the aforementioned user. The information processing system as described in claim 1, further comprising: a value-adding means for adding the second value mentioned above to the account corresponding to the user mentioned above; the account mentioned above has the second value mentioned above. The balance information of the balance; the method of replenishing the second balance mentioned above is based on the balance of the previously mentioned account relative to If part or all of the amount mentioned above is insufficient, part or all of the amount mentioned above will be offset by the second amount mentioned above that exceeds the balance at the time when the deficiency mentioned above is confirmed. . An information processing system as described in claim 2, wherein the above-mentioned value-adding means is to add at least an amount more than the shortage when the balance of the aforementioned account is insufficient relative to part or all of the aforementioned object amount. The second amount is used to add value to the aforementioned account; the method of replenishing the aforementioned second amount is to perform the replenishment of the aforementioned amount after adding the second amount above the insufficient amount mentioned above through the aforementioned adding method. Worth it. The information processing system described in claim 2, wherein the means for replenishing the aforementioned second amount is to add the shortfall amount when the balance of the aforementioned account is insufficient relative to part or all of the aforementioned object amount. Record and execute the offsetting of the amount of the object mentioned above; the means of adding value mentioned above shall be recorded after the completion of the offsetting of the amount of the object mentioned above caused by the second amount of replenishment means mentioned above. The second amount of the above amount will add value to the previously recorded account. An information processing system as described in claim 4, wherein the second means of offsetting the aforementioned second balance records the aforementioned deficit within a range where the total of the recorded deficit does not reach a preset upper limit. And implement the replenishment of the amount of the aforementioned objects. The information processing system as described in claim 1, further comprising: a value-added means for adding a second amount of value to the account associated with the user mentioned above; the value-added means mentioned above is After the amount of the aforementioned object amount is accepted through the aforementioned acceptance method, the amount of the aforementioned second amount is at least equivalent to the amount of the aforementioned object amount, and the amount is added; the aforementioned second amount offset method is used by The second value mentioned above that is added by the means of adding value mentioned above shall be used to offset the value of the object mentioned above. The information processing system as described in claim 3, further comprising: a pre-authentication means for performing a judgment on whether to allow the pre-description for the user of the pre-description before accepting the amount of the pre-description object by the pre-description acceptance means. Certification required for value-added means. An information processing system as described in claim 7, further comprising: authentication result holding means for identifying the value-added means that has been judged as not allowed by the previously recorded value-added means by the previous authentication means. The user's information is maintained; the aforementioned value-adding means is to add the aforementioned second value to users whose identifiable information has not been retained by the aforementioned authentication result retention means. The information processing system as described in any one of claims 1 to 8, further comprising: completion notification means for recording the acceptance before passing the request. If the payment of all the amount of the object amount has been completed before the processing method is accepted, the notification source of the amount of the object amount will be notified that the payment has been completed. An information processing method, which is executed by a computer: an acceptance step is used to accept from a POS terminal: user identification information required to allow the user to use the first amount to make a payment, and the amount of the payment object the amount; and the first offset step, which is used to offset part or all of the aforementioned object amount with the aforementioned first amount associated with the aforementioned user identification information; and the second amount The offset step is used to match the portion of the target amount mentioned above that has not been offset by the first amount mentioned above, corresponding to the user involved in the user identification information mentioned above, with the first amount mentioned above. The second amount of value of different types is used to top-up; and the usable amount notification step is used to compare the amount of the first amount of value that can be offset in the step of replenishing the first amount with the aforementioned second amount. The total amount of the aforementioned second amount that can be redeemed in the value replenishment step is notified to the aforementioned POS terminal as the aforementioned first amount that allows the aforementioned user to offset the amount of the aforementioned payment. amount, and causes the aforementioned POS terminal that receives the notification of the aforementioned total to display the corresponding total to the aforementioned user. A program used to make a computer function as: an acceptance means, used to accept from a POS terminal: the user identification information required to allow the user to make a payment using the first amount, and the payment The amount of the object amount; and the first amount offset method is used to offset part or all of the aforementioned object amount with the aforementioned first amount associated with the aforementioned user identification information; and The second amount offsetting method is used to apply part or all of the aforementioned object amount to a second amount that is different from the first amount mentioned above and is related to the user involved in the aforementioned user identification information. , to offset; and the usable amount notification method is used to combine the amount of the aforementioned first amount of value that can be offset by the aforementioned first amount of offset means with the amount that can be offset by the aforementioned second amount of value offset means. The total amount of the second amount mentioned above shall be notified to the aforementioned POS terminal as the amount of the first amount mentioned above that allows the user to offset the amount of the aforementioned payment, and the notification of the aforementioned total amount shall be received. The aforementioned POS terminal will display the total to the aforementioned user.

Images