WO2017209286A1 - Système d'information, dispositif de carte, dispositif terminal et dispositif serveur - Google Patents

Système d'information, dispositif de carte, dispositif terminal et dispositif serveur Download PDF

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Publication number
WO2017209286A1
WO2017209286A1 PCT/JP2017/020649 JP2017020649W WO2017209286A1 WO 2017209286 A1 WO2017209286 A1 WO 2017209286A1 JP 2017020649 W JP2017020649 W JP 2017020649W WO 2017209286 A1 WO2017209286 A1 WO 2017209286A1
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WO
WIPO (PCT)
Prior art keywords
information
card
store
privilege
unit
Prior art date
Application number
PCT/JP2017/020649
Other languages
English (en)
Japanese (ja)
Inventor
圭司 梅村
Original Assignee
ヘルプル ホールディングス インク
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from JP2016236643A external-priority patent/JP6621181B2/ja
Application filed by ヘルプル ホールディングス インク filed Critical ヘルプル ホールディングス インク
Priority to KR1020187035907A priority Critical patent/KR102488345B1/ko
Priority to US16/306,846 priority patent/US11449890B2/en
Priority to MYPI2018002249A priority patent/MY189485A/en
Priority to CN201780033092.5A priority patent/CN109196540B/zh
Priority to EP17806836.7A priority patent/EP3467753A4/fr
Priority to SG11201810741SA priority patent/SG11201810741SA/en
Publication of WO2017209286A1 publication Critical patent/WO2017209286A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0229—Multi-merchant loyalty card systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3555—Personalisation of two or more cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Definitions

  • the present invention relates to an information system that supports the use of a card.
  • the present invention also relates to an information system for processing credit card information.
  • the credit card number assigned by the credit card issuing company is stored, the credit card number is assigned to each customer, and the customer is given the credit card number when paying the price.
  • a prepaid payment system for making a payment using see, for example, Patent Document 1.
  • the system can also change the credit card number according to customer requirements.
  • an object of the present invention is to realize an information system or the like that supports the use of a card that can receive benefits (points, discounts, etc.) useful for the user.
  • an object of the present invention is to realize an information system or the like that can automatically change a credit card number.
  • the information system includes a store identifier for identifying a store, a card identifier for identifying a card that can be used in the store, and two or more pieces of card information having privilege information related to benefits by using the card.
  • a store specification information receiving unit for receiving store specification information for specifying a store that uses a card when purchasing a product or service, and a user who purchases the product or service It is information that specifies two or more cards, and corresponds to two or more pieces of card information possessed by store information of a store specified by store specifying information among two or more cards specified by stored card specifying information Benefits of two or more cards that can be used by the user in the store using two or more privilege information of the card information of two or more cards
  • benefits related information acquiring unit that acquires the privilege related information related to broadcast is information system and a privilege related information outputting section for outputting a privilege related information privilege related information acquisition unit has acquired.
  • an information system that supports the use of a card that can receive benefits beneficial to the user is realized.
  • the user can use the benefit-related information that has been output to obtain a card that is a plurality of cards that can be used in the store and that can receive a beneficial privilege among a plurality of cards that the user has. It becomes easy to use.
  • the information system according to the second aspect of the present invention is a method in which the privilege-related information acquisition unit uses the privilege information of two or more cards that can be used by the user at the store, in accordance with the first invention.
  • This is an information system that acquires privilege-related information that identifies a card corresponding to privilege information having the greatest privilege.
  • the user can easily use a card that can receive the most beneficial benefits. That is, it is possible to selectively use cards that maximize the benefits obtained at each store.
  • the information system of this 3rd invention is a method predetermined with respect to 1st invention using the privilege information of a 2 or more card
  • the user can select a card to be used while considering the order of the benefit using the benefit-related information that specifies the order for two or more pieces of privilege information.
  • the information system according to the fourth aspect of the present invention is the information system according to any one of the first to third aspects, wherein the information system includes a server device, a terminal device, and a card device. Specified by the store identification information receiving unit that receives the store identification information from the terminal device, the possessed card identification information acquisition unit that receives the possessed card identification information from the terminal device, and the possessed card identification information received by the store identification information reception unit.
  • Card information of two or more cards corresponding to two or more card information included in the store information of the store specified by the store specifying information received by the possessed card specifying information acquisition unit among the two or more cards to be held is 2 Using the above privilege information, a privilege related information acquisition unit that acquires privilege related information related to privilege information of two or more cards that can be used by the user at the store, and privilege related information acquisition A privilege-related information output unit that transmits the privilege-related information acquired by the terminal device to the terminal device, and the terminal device stores the stored card specifying information and the second store that receives the store specifying information.
  • a privilege-related information transmitting unit that transmits the privilege-related information received by the privilege-related information receiving unit to the card device.
  • a second privilege related information receiving portion to receive a information system second privilege related information receiver unit; and a second privilege related information outputting section for outputting a privilege related information received.
  • an information system including a server device, a terminal device, and a card device, and an information system that supports the use of a card that can receive beneficial benefits, with the server device as the main role, is realized.
  • the information system according to the fifth aspect of the present invention is the information system according to any one of the first to third aspects, wherein the information system comprises a server device, a terminal device, and a card device.
  • a store specifying information receiving unit that receives store specifying information from the terminal device, and a card information acquiring unit that acquires two or more pieces of card information corresponding to the store specifying information received by the store specifying information receiving unit from the store information storing unit
  • a card information transmitting unit that transmits two or more pieces of card information acquired by the card information acquiring unit to the terminal device, and the terminal device stores possessed card specifying information for specifying two or more cards held by the user.
  • Possession card identification information storage unit Possession card identification information storage unit, second store identification information reception unit that receives the store identification information, and store identification that transmits the store identification information received by the second store identification information reception unit to the server device
  • the information transmitting unit the card information receiving unit for receiving two or more pieces of card information from the server device in response to the transmission of the store specifying information, and the holding card specifying information acquisition for acquiring the holding card specifying information from the holding card specifying information storage unit
  • a privilege related information acquisition unit that acquires related information and a privilege related information output unit that transmits the privilege related information acquired by the privilege related information acquisition unit to the card device.
  • the card device receives the privilege related information from the terminal device. It is an information system provided with the privilege related information receiving part to receive, and the 2nd privilege related information output part which outputs the privilege related
  • it is an information system that includes a server device, a terminal device, and a card device, and an information system that supports the use of a card that can receive beneficial benefits with the terminal device as a leading role.
  • each of the two or more cards is a card having a credit card function, and credit card information having at least a credit card number of the card
  • Credit card information stored in the credit card information storage unit, and stored in the credit card information output unit for outputting at least the credit card number of the credit card information paired with one card, and in the credit card information storage unit
  • the credit card number can be changed automatically.
  • the information system according to the seventh aspect of the invention relates to any one of the first to third aspects of the invention, wherein the information system comprises a server device and a card device, and the server device comprises a store information storage unit, a store A store information receiving unit for receiving specific information from the card device, a card information acquiring unit for acquiring two or more pieces of card information corresponding to the store specifying information received by the store specifying information receiving unit from the store information storage unit, and card information A card information transmitting unit that transmits two or more pieces of card information acquired by the acquiring unit to the card device, and a holding unit that receives from the card device possessed card specifying information that specifies two or more cards held by a user who purchases a product or service Of the two or more cards specified by the card specifying information acquisition unit and the holding card specifying information received by the holding card specifying information acquisition unit, the store specifying information receiving unit receives 2 or more that can be used by the user in the store using the two or more privilege information of the card information of two or more cards corresponding to the
  • a store identification information transmission unit for transmitting, a card information reception unit for receiving two or more pieces of card information from the server device in response to the transmission of the store identification information, and the possessed card identification information
  • a second holding card specifying information acquisition unit for acquiring the holding card specifying information from the paying unit, a holding card specifying information transmitting unit for transmitting the holding card specifying information acquired by the second holding card specifying information acquiring unit to the server device, and a privilege It is an information system provided with the privilege related information receiving part which receives related information, and the 2nd privilege related information output part which outputs the privilege related information which the privilege related information receiving part received.
  • an information system that includes a server device and a card device, and that supports the use of a card that can receive beneficial benefits, with the server device serving as a leading role, is realized.
  • the card device includes a possessed card specifying information storage unit that stores owned card specifying information that specifies two or more cards held by a user, and a benefit related information receiving unit that receives privilege related information. And a privilege related information output unit that outputs one or more privilege related information received by the privilege related information receiving unit.
  • the card device of the ninth aspect of the invention uses the card corresponding to one privilege-related information among the one or more privilege-related information output by the privilege-related information output unit to the eighth invention. Is a card device.
  • the user can select one card based on the one or more privilege-related information that has been output, and make a payment with the card.
  • the terminal device includes a possessed card identifying information storage unit that stores retained card identifying information that identifies two or more cards possessed by a user, a store identifying information accepting unit that accepts store identifying information, A store specifying information transmitting unit for transmitting store specifying information to the server device, a card information receiving unit for receiving two or more pieces of card information from the server device in response to transmission of the store specifying information, and a possessed card specifying information storing unit. It is related to privilege information of two or more cards that can be used by the user in the store using the stored possessed card specifying information and the two or more privilege information of the two or more card information received by the card information receiving unit. It is a terminal device comprising a privilege related information acquisition unit that acquires privilege related information and a privilege related information output unit that outputs privilege related information acquired by the privilege related information acquisition unit.
  • a terminal device that supports the use of a card that can receive benefits beneficial to the user in cooperation with the server device is realized.
  • the server device of the eleventh aspect of the invention includes two or more pieces of card information having a store identifier for identifying a store, a card identifier for identifying a card that can be used in the store, and privilege information relating to a privilege by using the card,
  • a store information storage unit that stores one or more store information having a store, a store specification information receiving unit that receives store specification information that specifies a store that uses a card when purchasing a product or service, and a product or service is purchased.
  • the store information of the store specified by the store specifying information has two or more Using two or more privilege information of the card information of two or more cards corresponding to the card information, two or more cards usable by the user in the store
  • benefits related information acquiring unit that acquires the privilege related information related to Dian information, a server apparatus for and a privilege related information output unit for transmitting the privilege related information privilege related information acquisition unit has acquired.
  • one or more credit card information having at least a credit card number of a card having a credit card function is stored in combination with user identification information for identifying a card user.
  • the output request reception unit that receives an output request for requesting output of credit card information paired with one user identification information, and the credit card information storage unit in response to the reception of the output request
  • a credit card information output unit that outputs at least a credit card number of credit card information paired with one user identification information, and a credit card information stored in the credit card information storage unit
  • Credit card number is pre-determined Is an information system that includes a credit card number changing unit that changes when a plus.
  • the credit card number can be changed automatically. As a result, for example, security when making a payment using a card is improved.
  • the information system of the thirteenth invention further includes a time information storage unit for storing time information indicating a predetermined time, with respect to the twelfth invention, and the credit card number changing unit includes: This is an information system that changes the credit card number at each time indicated by the time information.
  • the credit card number can be changed according to the time information.
  • the information system of the fourteenth invention further includes a usage mode information acquisition unit that acquires usage mode information indicating a usage mode that is a mode in which the credit card function of the card is used, relative to the first invention.
  • the credit card number changing unit is an information system that changes the credit card number at a frequency according to the usage mode indicated by the usage mode information.
  • the credit card number can be changed at a frequency according to the usage frequency of the credit function.
  • the information system according to the fifteenth aspect of the invention is directed to any of the twelfth to fourteenth aspects, wherein the information system comprises a credit card information processing device and a card device, and the credit card information processing device.
  • the information system comprises a credit card information processing device and a card device, and the credit card information processing device.
  • the information system comprises a credit card information processing device and a card device, and the credit card information processing device.
  • the credit card information storage unit the credit card number changing unit, the output request receiving unit that receives the output request paired with the user identification information, and the credit card information storing unit in response to the reception of the output request.
  • a credit card information transmitting unit that transmits credit card information that is paired with user identification information, and the card device includes a user identification information storage unit that stores one piece of user identification information; An output request receiving unit, an output request receiving unit that receives the output request received by the output request receiving unit and a pair of user identification information, and an output request And a credit card information receiving unit that receives the credit card information transmitted by the credit card information transmitting unit, and a credit card information output unit that outputs at least the credit card number of the credit card information received by the credit card information receiving unit.
  • Information system
  • the credit card information processing apparatus can automatically change the credit card number output by the card apparatus.
  • the information system according to the sixteenth aspect of the invention provides the information system according to any of the twelfth to fourteenth aspects, wherein the information system comprises a credit card information processing device, a terminal device, and a card device.
  • the information processing apparatus includes a credit card information storage unit, a credit card number changing unit, an output request receiving unit that receives an output request in pair with the user identification information, and a credit card information storage unit in response to receiving the output request.
  • a credit card information transmitting unit that transmits credit card information that is paired with user identification information, and the terminal device receives the output request as a pair with the user identification information
  • the credit card information transmitted by the output request transfer unit and the credit card information transmission unit to be transmitted to the card information processing apparatus is received and A credit card information transfer unit that transmits to the terminal device, the card device including a user identification information storage unit that stores one piece of user identification information, an output request reception unit, and an output request received by the output request reception unit
  • An output request transmitting unit that transmits a pair with one user identification information, a credit card information receiving unit that receives the credit card information transmitted by the credit card information transmitting unit in response to the output request, and a credit card information receiving unit
  • a credit card information output unit that outputs at least a credit card number of received credit card information.
  • the credit card information processing device can automatically change the credit card number output by the card device via the terminal device.
  • the information system of the seventeenth aspect of the invention further includes a time information storage unit for storing time information indicating a predetermined time with respect to the sixteenth aspect of the invention, and the credit card number changing unit is This is an information system that changes the credit card number at each time indicated by the time information.
  • the credit card number can be changed according to the time information.
  • the information system of the eighteenth aspect of the invention obtains usage mode information indicating a usage mode that is a mode in which the credit card function of the card is used for either the sixteenth or the seventeenth invention.
  • the credit card number changing unit is an information system that changes the credit card number at a frequency according to the usage mode indicated by the usage mode information.
  • the credit card number can be changed at a frequency according to the usage frequency of the credit function.
  • the information system of the nineteenth aspect of the invention is directed to any of the sixteenth to eighteenth aspects of the invention, wherein the information system comprises a credit card information processing device and a card device, and the credit card information processing device Are stored in the credit card information storage unit, the credit card number changing unit, the output request receiving unit that receives the output request paired with the user identification information, and the credit card information storing unit in response to the reception of the output request.
  • a credit card information transmitting unit that transmits credit card information that is paired with user identification information, and the card device includes a user identification information storage unit that stores one piece of user identification information; An output request receiving unit, an output request receiving unit that receives the output request received by the output request receiving unit and a pair of user identification information, and an output request And a credit card information receiving unit for receiving the credit card information transmitted by the credit card information transmitting unit, and a credit card information output unit.
  • the credit card information output unit is a credit card received by the credit card information receiving unit. It is an information system that outputs at least a credit card number of information.
  • the credit card number output by the card device can be changed periodically.
  • the information system according to the twentieth aspect of the invention is directed to any of the sixteenth to eighteenth aspects, wherein the information system comprises a credit card information processing device, a terminal device, and a card device.
  • the information processing apparatus includes a credit card information storage unit, a credit card number changing unit, an output request receiving unit that receives an output request in pair with the user identification information, and a credit card information storage unit in response to receiving the output request.
  • a credit card information transmitting unit that transmits credit card information that is paired with user identification information, and the terminal device receives the output request as a pair with the user identification information
  • the credit card information transmitted by the output request transfer unit and the credit card information transmission unit to be transmitted to the card information processing apparatus is received and
  • a credit card information transfer unit that transmits to the terminal device, the card device including a user identification information storage unit that stores one piece of user identification information, an output request reception unit, and an output request received by the output request reception unit
  • An output request transmitting unit that transmits a pair of the user identification information, a credit card information receiving unit that receives the credit card information transmitted by the credit card information transmitting unit in response to the output request, a credit card information output unit
  • the credit card information output unit is an information system that outputs at least a credit card number of the credit card information received by the credit card information receiving unit.
  • the credit card number output by the card device can be changed periodically via the terminal device.
  • an information system or the like that supports the use of a card that can receive benefits beneficial to the user is realized.
  • an information system or the like that can automatically change the credit card number is realized.
  • Block diagram of the information system in the first embodiment The figure which shows the flowchart regarding operation
  • movement of the card apparatus 3 Data structure diagram of the store information
  • Block diagram of an information system according to the second embodiment The figure which shows the flowchart regarding operation
  • Block diagram of an information system according to Embodiment 3 The figure which shows the flowchart regarding operation
  • the information system of any embodiment manages store information (including card information of two or more cards that can be used in the store and privilege information of each card), and stores store information that identifies the store.
  • the privilege related information using the privilege information corresponding to the above cards is acquired and output.
  • the privilege related information is, for example, card information having the greatest privilege.
  • privilege related information may be 2 or more privilege information (with a sort according to the height of a privilege), for example. Note that privilege information, privilege-related information, and the like will be described later.
  • the information system 300 includes the server device 1, the terminal device 2, and the card device 3, and can realize the above-described functions by the first role assignment with the server device 1 as the main role.
  • the information system 300A according to the second embodiment includes the server device 1A, the terminal device 2A, and the card device 3A, and can realize the above-described functions by the second role assignment mainly using the terminal device 2A.
  • the information system 300B according to the third embodiment includes the server device 1B and the card device 3B, and realizes the above-described functions by the third role assignment with the server device 1B as the main role.
  • FIG. 1 is a block diagram of an information system 300 in the present embodiment.
  • the information system 300 includes a server device 1, 1 or 2 or more terminal devices 2, 1 or 2 or more card devices 3.
  • One or more terminal devices 2 and one or more card devices 3 usually correspond one-to-one.
  • terminal device 2 is one terminal device 2 of one or more terminal devices 2
  • card device 3 is one terminal device 2 of one or more card devices 3.
  • the card device 3 is a pair.
  • the server device 1 and the terminal device 2 are connected to be communicable via a network such as a LAN or the Internet, a communication line, or the like.
  • the terminal device 2 and the card device 3 are connected so as to be communicable by short-range wireless such as Bluetooth (registered trademark) or by wire.
  • the server device 1 is realized by, for example, a general-purpose server or a clyde server. However, the type of the server device 1 does not matter.
  • the terminal device 2 is implement
  • the card device 3 is realized by an IC card, for example.
  • the IC card includes, for example, an IC chip including a CPU and a memory, a communication module for performing short-range wireless or wired communication, a display, and the like. However, the type of the card device 3 does not matter.
  • the server device 1 includes a storage unit 11, a store specifying information receiving unit 12, a possessed card specifying information acquiring unit 13, a privilege related information acquiring unit 14, and a privilege related information output unit 15.
  • the storage unit 11 includes a store information storage unit 111.
  • the terminal device 2 includes a terminal storage unit 21, a second store specifying information receiving unit 22, a store specifying information transmitting unit 23, a second possessed card specifying information acquiring unit 24, a holding card specifying information transmitting unit 25, and a privilege related information receiving unit 26.
  • a privilege related information transmission unit 27 is provided.
  • the terminal storage unit 21 includes a possessed card identification information storage unit 211.
  • the card device 3 includes a card storage unit 31, a second privilege related information receiving unit 32, and a second privilege related information output unit 33.
  • the card device 3 may include communication means (not shown) such as short-range wireless communication means such as Buluetooth (registered trademark) and NFC, and detection means (not shown) such as an acceleration sensor and a g
  • the storage unit 11 constituting the server device 1 can store various types of information.
  • the various information includes, for example, store information to be described later, identification information for identifying the server device 1, identification information for identifying the terminal device 2, and the like.
  • This type of identification information is, for example, an IP address, a MAC address, GPS, etc., but any information type can be used as long as it is information that can identify each device.
  • the store information storage unit 111 stores one or more pieces of store information.
  • Store information is information about stores.
  • a store is a store that provides goods or services (including stores for electronic commerce).
  • the store may be, for example, one store or a company that develops two or more stores. Further, the store may be, for example, a real store that is a real store or a virtual store that is a virtual store on the Internet.
  • the one or more pieces of store information include, for example, a store identifier and two or more pieces of card information.
  • a store identifier is an identifier for identifying a store.
  • the store identifier is, for example, an ID given to the store, an address (IP address, MAC address, etc.) of a terminal such as a POS installed in the store.
  • Card information is information about a card.
  • the cards are, for example, credit cards, debit cards, prepaid cards, various payment cards such as electronic money, membership cards such as airline mileage membership cards, various store point cards, etc.
  • the card is usually a card to which a privilege is given by use, but a card to which no privilege is given may be used.
  • Each of the two or more pieces of card information includes, for example, a card identifier for identifying the card and privilege information regarding a privilege by using the card.
  • the privilege is, for example, point grant, discount, premium, coupon or the like.
  • the privilege information is information related to the privilege, for example, information such as “100 points for 1 point”, “5% off”, “payment of 5,000 yen or more and 500 yen cash vouchers”.
  • the store specifying information receiving unit 12 receives store specifying information.
  • Store identification information is information that identifies a store that uses a card when purchasing a product or service.
  • the store specifying information is, for example, a store identifier, location information indicating the location of the store, and the like.
  • the store specifying information received by the store specifying information receiving unit 12 may not be all of the store specifying information.
  • Acceptance refers to accepting information input from an input device such as a keyboard, mouse, or touch panel, receiving information transmitted via a wired or wireless communication line, and reading from a recording medium such as an optical disk, magnetic disk, or semiconductor memory. It is a concept that includes accepting information that has been issued.
  • the store specifying information receiving unit 12 normally receives store specifying information from the terminal device 2.
  • the store specific information receiving unit 12 may receive the store specific information from, for example, the card device 3, an external device (a terminal such as a POS or CCT installed in the store), or an input such as a touch panel. You may receive via a device and the acquisition place of store specific information does not ask
  • the possessed card identification information acquisition unit 13 acquires the possessed card identification information.
  • the possessed card specifying information is information for specifying two or more cards held by a user who purchases a product or service.
  • the possessed card identification information acquisition unit 13 normally receives the possessed card identification information from the terminal device 2.
  • the possessed card identification information acquisition unit 13 receives from the card device 3 or an external device (such as a cloud server) or reads from the storage unit 11.
  • the acquisition destination is not limited.
  • the privilege related information acquisition unit 14 includes two or more cards corresponding to two or more card information included in the store information of the store specified by the store specifying information.
  • the privilege related information related to the privilege information of two or more cards that can be used by the user in the store is acquired using two or more privilege information possessed by the card information.
  • the two or more cards corresponding to the two or more card information included in the store information of the store specified by the store specifying information are held by the user.
  • curd acquires the privilege relevant information relevant to the privilege information of the 2 or more card
  • curd which a user can use in a store is the said 2 It may be possible to obtain privilege-related information including a part or all of two or more privilege information possessed by the card information of the above cards, or a part of two or more card identifiers possessed by the card information of the two or more cards or It may be possible to acquire privilege-related information including all, or to acquire privilege-related information including all or part of two or more pairs of card identifiers and privilege information included in the card information of the two or more cards. Good.
  • the privilege-related information may be, for example, the card identifier of the card with the greatest privilege, and desirably includes the card identifier of the card with the greatest privilege and the privilege information of the card (privilege information corresponding to the card identifier). You may go out.
  • privilege related information may be privilege information of two or more cards, for example, desirably privilege information of two or more cards, and privilege information sorted in descending order in order of privilege size. Also good.
  • the privilege-related information is not particularly limited as long as it is information related to privilege information of two or more cards that can be used by the user at the store.
  • the privilege-related information acquisition unit 14 specifies, for example, a card corresponding to privilege information having the greatest privilege based on a predetermined method using privilege information of two or more cards that can be used by the user at the store. You may acquire privilege related information.
  • the predetermined method is, for example, a method of comparing discount rates, comparing reduction rates, or comparing grant points between two or more cards.
  • the return rate refers to the amount of privilege for the payment amount. For example, when 10 points are paid by paying 1000 yen and the 10 points can be used as 10 yen in the next shopping, the return rate is 1%.
  • the privilege-related information acquisition unit 14 converts the two or more privilege information into privilege information based on a common value standard, and two or more privilege information after conversion. It is necessary to make a comparison.
  • the common value standard is, for example, a monetary value.
  • the common value standard is, for example, a point where different types of awards have different values per point and can be exchanged for a common exchange point (such as a specific airline mile). In this case, the value (the number of miles, etc.) of the common exchange point may be used. Details will be described in a specific example.
  • the privilege related information acquisition unit 14 acquires, for example, a rank for two or more privilege information based on a predetermined method using privilege information of two or more cards that can be used by the user in the store. You may acquire the privilege related information which pinpoints an order
  • the greatest privilege may be the maximum privilege based on one method or two or more types of maximum privileges based on different methods.
  • the rank includes a rank based on a discount rate, a rank based on a return rate, a rank based on points (equivalent mileage, etc.), and the like.
  • the ranking may be a ranking based on one method, two or more types of rankings based on different methods, or an overall ranking based on two or more types of rankings.
  • the privilege related information output unit 15 outputs the privilege related information acquired by the privilege related information acquisition unit 14. Examples of output include display on a display, sound output from a speaker, transmission to an external device (terminal device 2, card device 3, etc.), printing by a printer, accumulation in a recording medium (storage unit 11 etc.). This is a concept including delivery of processing results to other processing devices and other programs.
  • the output by the privilege related information output unit 15 is normally transmission to the terminal device 2, but is not limited thereto.
  • the privilege related information output unit 15 normally transmits the privilege related information acquired by the privilege related information acquisition unit 14 to the terminal device 2. However, privilege related information may be transmitted to the card
  • the terminal storage unit 21 constituting the terminal device 2 can store various types of information.
  • the various information includes, for example, the above-described possessed card specifying information, identification information for identifying the terminal device 2, identification information for identifying the server device 1, and identification information for identifying the card device 3.
  • the possessed card identification information storage unit 211 stores the possessed card identification information.
  • the second store specifying information receiving unit 22 receives the store specifying information described above.
  • the store identification information receiving unit 12 may receive the store identification information from a terminal such as a POS provided in the store, or may store the store identification information based on position information from a GPS receiver or a wireless LAN access point. You may acquire, the input of store specific information by a user may be received via input devices, such as a touch panel, and the acquisition destination and acquisition method of store specific information are not ask
  • position information for example, it is desirable to store a set of pairs of store identifiers and position information in the storage unit 11. However, the set of pairs of store identifiers and position information may be stored in the storage unit 11 of the server device 1, for example. In that case, the second store specifying information receiving unit 22 may be a GPS receiver or a wireless LAN. It is sufficient to acquire location information from the access point.
  • the store specifying information transmitting unit 23 transmits the store specifying information received by the second store specifying information receiving unit 22 to the server device 1.
  • the second possessed card identification information acquisition unit 24 acquires the possessed card identification information from the possession card identification information storage unit 211.
  • the possessed card identification information transmission unit 25 transmits the possessed card identification information acquired by the second possession card identification information acquisition unit 24 to the server device 1.
  • the privilege related information receiving unit 26 receives the privilege related information from the server device 1 in response to the transmission of the held card specific response by the held card specifying information transmitting unit 25.
  • the privilege related information transmitting unit 27 transmits the privilege related information received by the privilege related information receiving unit 26 to the card device 3.
  • the card storage unit 31 constituting the card device 3 can store various types of information.
  • the various information includes, for example, identification information for identifying the card device 3 and identification information for identifying the server device 1.
  • the second privilege related information receiving unit 32 receives privilege related information from the terminal device 2.
  • the second privilege related information output unit 33 outputs the privilege related information received by the second privilege related information reception unit 32.
  • the 2nd privilege related information output part 33 displays privilege related information normally on a display, you may output an audio
  • the card device 3 When the card device 3 includes communication means and detection means, for example, it operates as follows.
  • the detecting means detects a user action such as the card device 3 being shaken or moved by the user. Then, when the detection unit detects the operation, the communication unit transmits an instruction for transmitting store specifying information (for example, position information) to the server device 1 to the terminal device 2.
  • the terminal device 2 receives the instruction from the card device 3, acquires store specifying information, and transmits it to the server device 1. That is, the store specifying information is transmitted to the server device 1 triggered by the user performing an operation such as holding the card device 3 or shaking.
  • the storage unit 11, store information storage unit 111, terminal storage unit 21, possessed card identification information storage unit 211, and card storage unit 31 (and card storage unit 31 ⁇ / b> B described later) are non-volatile such as a hard disk and a flash memory, for example. However, it can also be realized by a volatile recording medium such as a RAM.
  • the process in which various kinds of information are stored in the storage unit 11 or the like does not matter.
  • information may be stored in the storage unit 11 or the like via a detachable recording medium such as a CD-ROM or a memory card, and information transmitted via a network, a communication line, or the like is stored in the storage unit 11.
  • the information input via the input device may be stored in the storage unit 11 or the like.
  • the input device may be anything such as a keyboard, a mouse, or a touch panel.
  • Store identification information reception unit 12 possession card identification information acquisition unit 13, privilege related information acquisition unit 14, privilege related information output unit 15, second store identification information reception unit 22, store identification information transmission unit 23, second possession card identification Information acquisition unit 24, possessed card identification information transmission unit 25, privilege related information reception unit 26, privilege related information transmission unit 27, second privilege related information reception unit 32, second privilege related information output unit 33 (and card information acquisition) Unit 16, card information transmission unit 17, card information reception unit 28, possessed card identification information acquisition unit 13A, privilege related information acquisition unit 14A, privilege related information output unit 15A, privilege related information reception unit 32A, privilege related information acquisition unit 14B ,
  • the privilege related information output unit 15B) can be realized usually by an MPU, a memory, or the like.
  • the processing procedure of the store specifying information receiving unit 12 or the like is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, it may be realized by hardware (dedicated circuit).
  • Store identification information reception unit 12 possession card identification information acquisition unit 13, privilege related information acquisition unit 14, second store identification information reception unit 22, second possession card identification information acquisition unit 24 (and card information acquisition unit 16, card
  • the information receiving unit 28, the possessed card specifying information acquiring unit 13A, the privilege related information acquiring unit 14A, the privilege related information receiving unit 32A, and the privilege related information acquiring unit 14B) are one or more of an input device, a communication module, and a broadcast receiving module. You may think that it includes hardware or not.
  • the reception function and the reception function of the store specific information reception unit 12 and the like can be realized by the one or more hardware driver software, or by the one or more hardware and the driver software.
  • the transmission function of the store identification information transmission unit 23 or the like can be realized by the one or more hardware driver software, or by the one or more hardware and the driver software.
  • the privilege-related information output unit 15, the second privilege-related information output unit 33 (and the privilege-related information output unit 15 ⁇ / b> A, the privilege-related information output unit 15 ⁇ / b> B) include at least one hardware among the output device, the communication module, or the broadcast module. It may be considered that it is included or not included.
  • the output function of the privilege related information output unit 15 or the like can be realized by the one or more hardware driver software, or by the one or more hardware and its driver software.
  • FIG. 2 is a diagram showing a flowchart regarding the operation of the server device 1.
  • Step S201 The store specifying information receiving unit 12 determines whether or not store specifying information is received from the terminal device 2. If it is determined that the store specifying information is received from the terminal device 2, the process proceeds to step S202. If it is determined that the store specifying information is not received, the process returns to step S201.
  • Step S202 The possessed card identification information acquisition unit 13 determines whether or not the possessed card identification information is received from the terminal device 2. If it is determined that the possessed card specifying information is received from the terminal device 2, the process proceeds to step S203. If it is determined that the possessed card specifying information is not received, the process returns to step S202.
  • the privilege related information acquisition unit 14 uses the store identification information received by the store identification information receiving unit 12 among two or more cards specified by the possessed card identification information received by the possession card identification information acquisition unit 13.
  • the privilege information of two or more cards that can be used by the user at the store using the two or more privilege information of the card information of two or more cards corresponding to the two or more card information of the store information of the specified store Is obtained from the store information storage unit 111.
  • the privilege related information output unit 15 can acquire two or more of two or more stores that can be acquired from the store specifying information. Store information may be acquired.
  • the privilege related information output unit 15 or an output unit may transmit two or more pieces of store information to the terminal device 2.
  • information for example, store identifier
  • a receiving unit (not shown) of the server device 1 receives information on one store.
  • the privilege related information acquisition part 14 is the card information of two or more cards which the store information of one store corresponding to the information of the said one store has, and the card of the two or more cards which a user can use in a store
  • the privilege related information related to the privilege information included in the information is acquired from the store information storage unit 111.
  • Step S204 The privilege related information output unit 15 transmits the privilege related information acquired by the privilege related information acquisition unit 14 to the terminal device 2. Thereafter, the process returns to step S201.
  • processing in FIG. 2 starts, for example, when the server apparatus 1 is turned on or the program is started, and ends when the server apparatus 1 is turned off or the program ends.
  • processing in FIG. 2 is processing for one terminal device 2, and when there are two or more terminal devices 2, the same processing is performed for each terminal device 2. That is, the server device 1 can execute the same processing as in FIG. 2 in two or more, in parallel, or in time division.
  • FIG. 3 is a flowchart showing the operation of the terminal device 2.
  • the terminal storage unit 21 stores, for example, identification information for identifying the terminal device 2, identification information for identifying the server device 1, identification information for identifying the card device 3, and the like.
  • the possessed card identification information storage unit 211 stores the possessed card identification information.
  • Step S301 The second store specifying information receiving unit 22 determines whether or not store specifying information has been received. For example, store specifying information is broadcast from a terminal device provided in the store, and the second store specifying information receiving unit 22 determines that the store specifying information has been received when receiving the store specifying information. Or the 2nd shop specific information reception part 22 may receive the input of the shop specific information by a user via input devices, such as a touch panel. If it is determined that the store specifying information has been received, the process proceeds to step S302. If it is determined that the store specifying information has not been received, the process returns to step S301.
  • store specifying information is broadcast from a terminal device provided in the store, and the second store specifying information receiving unit 22 determines that the store specifying information has been received when receiving the store specifying information.
  • the 2nd shop specific information reception part 22 may receive the input of the shop specific information by a user via input devices, such as a touch panel. If it is determined that the store specifying information has been received, the process proceeds to step S
  • the store specifying information transmitting unit 23 transmits the store specifying information received by the second store specifying information receiving unit 22 to the server device 1.
  • the receiving part which is not illustrated of the terminal device 2 may receive the information of two or more stores corresponding to the store specific information.
  • an output unit (not shown) of the terminal device 2 outputs information on two or more stores (for example, store names, store identifiers, etc.).
  • the reception part which is not illustrated receives selection of the information of one store from the information of two or more stores.
  • a transmission unit (not shown) transmits information on one store to the server device 1.
  • Step S303 The second possessed card identification information acquisition unit 24 acquires the possessed card identification information from the possession card identification information storage unit 211.
  • Step S304 The possessed card specifying information transmitting unit 25 transmits the possessed card specifying information acquired by the second owned card specifying information acquiring unit 24 to the server device 1.
  • Step S305 The privilege related information receiving unit 26 determines whether or not privilege related information is received from the server device 1. If it is determined that the privilege-related information has been received, the process proceeds to step S306. If it is determined that the privilege-related information has not been received, the process returns to step S305. In addition, the server apparatus 1 acquires privilege related information using the information of one store transmitted by a transmission unit (not shown), and transmits it to the terminal apparatus 2.
  • Step S306 The privilege related information transmission unit 27 transmits the privilege related information received by the privilege related information reception unit 26 to the card device 3. Then, it returns to step S301.
  • processing according to the flowchart of FIG. 3 starts, for example, when the terminal device 2 is turned on or when the program is started, and is finished when the terminal device 2 is turned off or the program ends.
  • FIG. 4 is a flowchart showing the operation of the card device 3.
  • Step S401 The second privilege related information receiving unit 32 determines whether or not the privilege related information is received from the terminal device 2. If it is determined that the privilege related information is received from the terminal device 2, the process proceeds to step S402. If it is determined that the privilege related information is not received, the process returns to step S401.
  • Step S402 The second privilege related information output unit 33 outputs the privilege related information received by the second privilege related information reception unit 32 via an output device such as a display. Then, it returns to step S401.
  • processing in FIG. 4 starts, for example, when the card device 3 is powered on, and ends when the card device 3 is powered off.
  • a user carrying the terminal device 2 and the card device 3 visits a store (for example, store AAA) and wants to purchase goods or services.
  • a terminal such as a POS is installed in the store, and store specifying information (for example, store identifier “AAA”) is broadcast from the terminal.
  • store for example, store identifier “AAA”
  • the user has two or more cards (for example, card aaa, card bbb,...) And wants to use one of the cards when purchasing a product, but is wondering which card to use. ing.
  • the store information storage unit 111 of the server device 1 stores, for example, one or more store information as shown in FIG.
  • One or more pieces of store information include an ID (for example, “1”, “2”,...) For identifying the store information, a store identifier, and two or more pieces of card information (for example, card information 1, card information 2,... ).
  • Each of the two or more pieces of card information includes a card identifier and privilege information.
  • the store information 1 includes a store identifier “AAA”, card information 1 relating to two or more cards (card aaa, card bbb,...) That can be used in the store AAA identified by the store identifier, card information 2,. It consists of.
  • the card information 1 constituting the store information 1 has a card identifier “aaa” and privilege information “100 yen for 1 point”.
  • the card information 2 constituting the store information 2 has a card identifier “bbb” and privilege information “2 points for 100 yen”.
  • the store information 2 includes a store identifier “BBB”, card information 1 relating to two or more cards (card ccc, card ddd,%) Usable in the store BBB identified by the store identifier, card information 2, It consists of ...
  • the card information 1 constituting the store information 2 has a card identifier “bbb” and privilege information “5% off”.
  • the card information 2 constituting the store information 2 has a card identifier “ddd” and privilege information “100 yen discount”.
  • the possessed card specifying information storage unit 211 of the terminal device 2 stores stored card specifying information for specifying two or more cards held by the user.
  • the possessed card specifying information includes a user identifier for identifying a user, and two or more card identifiers for identifying two or more cards held by the user identified by the user identifier (for example, “aaa”, “bbb”, ...)
  • the user turns on the power of the terminal device 2 and the card device 3.
  • the second store specifying information receiving unit 22 receives the store specifying information broadcast from the terminal of the store AAA, and the store specifying information transmitting unit 23 sends the store specifying information to the server device 1.
  • the second possessed card identification information acquisition unit 24 acquires the possessed card identification information from the possessed card identification information storage unit 211, and the possessed card identification information transmission unit 25 transmits the possessed card identification information to the server device 1. .
  • the store specifying information receiving unit 12 receives the store specifying information transmitted from the terminal device 2, and then the holding card specifying information acquiring unit 13 receives the holding card specifying information transmitted from the terminal device 2.
  • the privilege related information acquisition unit 14 stores the store information of the store AAA specified by the received store specifying information among two or more cards specified by the received possessed card specifying information (that is, the card aaa, the card bbb,).
  • the privilege related information acquisition unit 14 may provide the privilege information “100 yen for the bonus information“ 100 yen for the bonus identifier “100 yen” corresponding to the card identifier “aaa” ”and the bonus identifier“ 100 yen for the card identifier “bbb”.
  • the card identifier (for example, card identifier “bbb” corresponding to the privilege information “100 yen, 2 points”) may be acquired from the two points “,...”.
  • the privilege related information acquisition part 14 may acquire the order
  • the privilege related information output unit 15 transmits the privilege related information thus acquired by the privilege related information acquisition unit 14 to the terminal device 2.
  • the privilege related information receiving unit 26 receives the privilege related information transmitted from the server device 1, and the privilege related information transmitting unit 27 receives the privilege related information received by the privilege related information receiving unit 26 as a card device. 3 to send.
  • the second privilege related information receiving unit 32 receives the privilege related information transmitted from the terminal device 2, and the second privilege related information output unit 33 is received by the second privilege related information receiving unit 32.
  • the privilege related information is output via an output device such as a display.
  • the card identifier of the card that can receive the highest privilege for example, the card identifier “bbb” corresponding to the bonus information “100 yen 2 points”.
  • the information A containing “recommended is a bbb card” is displayed, and the user obtains the highest privilege by purchasing a product using the card identified by the card identifier included in the displayed information A be able to.
  • information B including two or more pairs of card identifiers and privilege information may be displayed on the display, such as “aaaa card is 1 point for 100 yen, bbb card is 2 points for 100 yen,.
  • the user can also determine which card to use by examining the contents of the benefits obtained with each card based on the two or more pairs.
  • the information C including two or more card identifiers sorted in order of privilege may be displayed on the display, such as “Highest privilege ranking: (1) bbb card, (2) aaa card,... It is also possible to decide which card to use in consideration of the order of benefits.
  • the information acquisition unit 14 needs to compare both benefits by converting them to a common value standard. For example, if points on card aaa can be redeemed for a specific airline mile at a ratio of 1: 1, and points on card bbb can be redeemed for miles of the same airline at a ratio of 4: 1 The information acquisition unit 14 compares both benefits by converting them into miles that are a common value standard.
  • the privilege related information acquisition unit 14 converts the privilege information of the card aaa to “1 mile for 100 yen” at a ratio of 1: 1, and the privilege information of the card aaa is “0 for 100 yen at a ratio of 4: 1. .5 miles "and based on the result of comparing the two bonus information after conversion, bonus-related information such as“ If you want to save miles, AAA card is recommended ”may be acquired.
  • the user is about to purchase goods or services at the store BBB.
  • the user has a card ccc and a card ddd.
  • the information system 300 performs the same processing as described above, and the privilege related information acquisition unit 14 corresponds to the privilege information “5% off” corresponding to the card identifier “ccc” and the card identifier “ddd”.
  • the privilege information related to the privilege information of the card card ccc and card ddd is acquired from the store information storage unit 111.
  • the privilege related information acquisition unit 14 determines that both privileges are based on a common value standard. Compared to a kind of monetary value.
  • the privilege related information acquisition unit 14 may convert the privilege information based on the discount rate into the privilege information based on the monetary value by multiplying this by the purchase amount. For example, the privilege related information acquisition unit 14 converts the privilege information of the card ccc into “50 yen discount” when the purchase amount is 1,000 yen, and “150 yen discount” when the purchase amount is 3,000 yen. Convert to.
  • the privilege-related information acquisition unit 14 can acquire privilege-related information that varies depending on the purchase amount. That is, for example, when the purchase price is 1,000 yen (less than 2,000 yen), the privilege-related information acquisition unit 14 acquires privilege-related information such as “recommended is a bbb card” and the purchase price is 3,000 yen (2,000 yen). In the case of “Recommended is an aaa card”. In addition, for example, when the purchase amount is 2,000 yen, the privilege-related information acquisition unit 14 may acquire privilege-related information such as “recommended aaa card, bbb card” or “the purchase amount is less than 2,000 yen”. In the case of recommendation, privilege related information such as “bbb card” and recommendation in the case of exceeding ⁇ 2,000 may be acquired.
  • 1 having two or more pieces of card information including a store identifier for identifying a store, a card identifier for identifying a card that can be used in the store, and privilege information relating to a privilege by using the card.
  • the information system 300 which comprises the privilege related information acquisition part 14 which acquires the privilege related information relevant to the privilege information of, and the privilege related information output part 15 which outputs the privilege related information which the privilege related information acquisition part 14 acquired
  • the user is a plurality of cards that can be used in the store using the benefit-related information, and a plurality of cards that the user holds Among them, a card that can receive a beneficial privilege can be used easily.
  • the privilege related information acquisition unit 14 uses the privilege information of two or more cards that can be used by the user in the store to obtain the privilege information having the largest privilege based on a predetermined method.
  • the user can easily use a card that can receive the most beneficial privilege. That is, it is possible to selectively use cards that maximize the benefits obtained at each store.
  • the privilege related information acquisition unit 14 uses the privilege information of two or more cards that can be used by the user in the store, based on a predetermined method, for the two or more privilege information.
  • the user can use the privilege-related information specifying the ranking with respect to two or more privilege information, and the card to be used while considering the privilege ranking. Can be selected.
  • the information system 300 includes the server device 1, the terminal device 2, and the card device 3, and the server device 1 stores the store information storage unit 111 and store specifying information that receives store specifying information from the terminal device 2.
  • the holding card specifying information acquisition unit 13 that receives the holding card specifying information from the terminal device 2, and the holding card specifying information received by the store specifying information receiving unit 12
  • the store The privilege related information acquisition unit 14 that acquires privilege related information related to the privilege information of two or more cards that can be used by the user and the privilege related information acquisition unit 14 acquired
  • a privilege-related information output unit 15 that transmits the genre-related information to the terminal device 2, and the terminal device 2 receives the stored card specifying information storage unit 211 in which the held card specifying information is stored, and the second receiving the store specifying information.
  • Store specific information is received from the store specific information receiving unit 22, the store specific information transmitting unit 23 that transmits the store specific information received by the second store specific information receiving unit 22 to the server device 1, and the possessed card specific information storage unit 211.
  • the second possessed card specifying information acquiring unit 24 to acquire, the owned card specifying information transmitting unit 25 for transmitting the owned card specifying information acquired by the second owned card specifying information acquiring unit 24 to the server device 1, and the privilege related information to the server
  • the privilege related information receiving unit 26 that receives from the device 1 and the privilege related information transmitting unit 2 that transmits the privilege related information received by the privilege related information receiving unit 26 to the card device 3.
  • the card device 3 includes the second privilege related information receiving unit 32 that receives the privilege related information from the terminal device 2, and the second privilege that outputs the privilege related information received by the second privilege related information receiving unit 32.
  • the information system 300 includes the server device 1, the terminal device 2, and the card device 3. An information system 300 that supports the use is realized.
  • one or more store information including a store identifier for identifying a store, a card identifier for identifying a card that can be used in the store, and two or more pieces of card information that includes privilege information related to a privilege by using the card is stored.
  • Special information related to privilege information of two or more cards that can be used by the user at the store using two or more privilege information of the card information Benefits useful to the user are received by the server device 1 including the privilege related information acquisition unit 14 that acquires the related information and the privilege related information output unit 15 that transmits the privilege related information acquired by the privilege related information acquisition unit 14.
  • the server device 1 that supports the use of the card to be used is realized.
  • processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded on a recording medium such as a CD-ROM and distributed. This also applies to other embodiments in this specification.
  • the software that realizes the information system 300 in the present embodiment is a program for causing a computer to function as each of the above-described units, and is, for example, the following program. That is, the computer-accessible recording medium has two or more pieces of card information including a store identifier that identifies the store, a card identifier that identifies a card that can be used in the store, and privilege information related to a privilege by using the card.
  • possessed card specifying information acquiring part 13 for acquiring owned card specifying information for specifying two or more cards held by a user who purchases goods or services, and two or more cards specified by the held card specifying information Among them, it corresponds to two or more card information possessed by the store information of the store specified by the store specifying information
  • the privilege related information acquisition part 14 which acquires the privilege related information relevant to the privilege information of the two or more cards which a user can use in a store using the two or more privilege information which the card information of the above cards has, and a privilege It is a program for functioning as the privilege related information output part 15 which outputs the privilege related information which the related information acquisition part 14 acquired.
  • achieves the server apparatus 1 in this Embodiment is the following programs, for example.
  • the recording medium accessible by the computer is Stored is one or more store information including a store identifier for identifying a store, a card identifier for identifying a card that can be used in the store, and two or more pieces of card information including privilege information related to a privilege by using the card.
  • the store information storage unit 111 is stored, and this program stores the store specifying information receiving unit 12 that receives the store specifying information for specifying the store that uses the card when purchasing the product or service, and the product or service.
  • the user at the store uses the two or more privilege information of the card information of two or more cards corresponding to the above card information.
  • the server device 1 manages the store information, and stores the store specifying information for specifying the store and the possessed card specifying information for specifying two or more cards held by the user. To determine the store using the store identification information, and acquire the privilege related information using the privilege information corresponding to two or more cards specified by the possessed card identification information among the cards usable in the store
  • the terminal device 2 manages the possessed card specifying information, receives the store specifying information, transmits the store specifying information and the owned card specifying information to the server device 1, and transmits to the server device 1.
  • the privilege related information is received and transmitted to the terminal device 2, and the card device 3 receives and outputs the privilege related information from the terminal device 2. For example, the acquisition of the privilege related information is performed by the terminal device 2. Also May be performed in the card device 3, roles of 3 device may be modified as desired.
  • FIG. 7 is a block diagram of information system 300A in the present embodiment.
  • the information system 300A includes a server device 1A, one or more terminal devices 2A, and one or more card devices 3A. Note that the constituent elements and steps having “A” added to the reference number are different from those of the first embodiment in the internal configuration and part of the operation, and description of common points is omitted or simplified.
  • the storage unit 11 includes a store information storage unit 111.
  • 2 A of terminal devices are the terminal storage part 21, the 2nd shop specific information reception part 22, the shop specific information transmission part 23, the card information receiving part 28, the possession card specific information acquisition part 13A, the privilege related information acquisition part 14A, privilege related information.
  • An output unit 15A is provided.
  • the terminal storage unit 21 includes a possessed card identification information storage unit 211.
  • the card device 3A includes a privilege related information receiving unit 32A and a second privilege related information output unit 33.
  • the card information acquisition unit 16 constituting the server device 1A acquires two or more pieces of card information corresponding to the store identification information received by the store identification information receiving unit 12 from the store information storage unit 111.
  • the card information transmission unit 17 transmits two or more pieces of card information acquired by the card information acquisition unit 16 to the terminal device 2A.
  • the card information receiving unit 28 constituting the terminal device 2A receives two or more pieces of card information from the server device 1A in response to the transmission of the store specifying information.
  • the possessed card identification information acquisition unit 13 ⁇ / b> A acquires the possessed card identification information from the possession card identification information storage unit 211.
  • the privilege-related information acquisition unit 14A uses the two or more privilege information included in the two or more card information received by the card information reception unit 28 and the possessed card identification information acquired by the possessed card identification information acquisition unit 13A. Get related information.
  • the privilege related information output unit 15A transmits the privilege related information acquired by the privilege related information acquisition unit 14A to the card device 3A.
  • the privilege related information receiving unit 32A configuring the card device 3A receives the privilege related information from the terminal device 2A.
  • Components other than those described above perform the same operations as those described in the first embodiment.
  • FIG. 8 is a flowchart regarding the operation of the server apparatus 1A.
  • This flowchart includes steps S201, S801, and S802.
  • the processing in step S201 is described in the first embodiment. If it is determined in step S201 that it has been received, the process proceeds to step S801. If it is determined that it has not been received, the process returns to step S201.
  • the card information acquisition unit 16 acquires two or more pieces of card information corresponding to the store identification information received by the store identification information reception unit 12 from the store information storage unit 111.
  • Step S802 The card information transmitting unit 17 transmits the two or more pieces of card information acquired by the card information acquiring unit 16 to the terminal device 2A. Thereafter, the process returns to step S201.
  • FIG. 8 the processing of FIG. 8 is processing for one terminal device 2A, and when there are two or more terminal devices 2A, the same processing is performed for each of the other terminal devices 2A. That is, the server apparatus 1A can execute the same processing as in FIG. 2 in two or more, in parallel, or in time division.
  • FIG. 9 is a flowchart regarding the operation of the terminal device 2A. This flowchart includes steps S301, S302, S901, S203A, S204A, and S306A. The processing in steps S301 and S302 is described in the first embodiment.
  • Step S901 The card information receiving unit 28 determines whether or not two or more pieces of card information are received from the server device 1A. If it is determined that two or more pieces of card information have been received from the server device 1A, the process proceeds to step S203A. If it is determined that no card information has been received, the process returns to step S901.
  • Step S203A The possessed card identification information acquisition unit 13A acquires the possessed card identification information from the possession card identification information storage unit 211.
  • the privilege related information acquisition unit 14A obtains two or more privilege information included in the two or more card information received by the card information receiving unit 28 and the possessed card specifying information acquired by the possessed card specifying information acquiring unit 13A. To obtain privilege-related information.
  • Step S306A The privilege related information output unit 15A transmits the privilege related information acquired by the privilege related information acquisition unit 14A to the card device 3A. Then, it returns to step S301.
  • FIG. 10 is a flowchart regarding the operation of the card device 3A. This flowchart includes steps S401A and S402. The processing in step S402 is described in the first embodiment.
  • Step S401A The privilege-related information receiving unit 32A determines whether or not privilege-related information has been received from the terminal device 2A. If it is determined that the privilege related information is received from the terminal device 2A, the process proceeds to step S402. If it is determined that the privilege related information is not received, the process returns to step S401A.
  • the operation of the information system 300A in the present embodiment is different from the operation of the information system 300 in the first embodiment only in the division of roles among the three devices, the server, the terminal, and the card, and a description of a specific example is omitted. To do.
  • 1 having two or more pieces of card information including a store identifier for identifying a store, a card identifier for identifying a card that can be used in the store, and privilege information relating to a privilege by using the card.
  • the information system 300A comprising the privilege related information acquisition unit 14A for acquiring the privilege related information related to the privilege information, and the privilege related information output unit 15A for outputting the privilege related information acquired by the privilege related information acquisition unit 14A
  • the user is a plurality of cards that can be used in the store using the benefit-related information, and a plurality of cards that the user holds Among them, a card that can receive a beneficial privilege can be used easily.
  • the privilege-related information acquisition unit 14A uses the privilege information of two or more cards that can be used by the user in the store, based on a predetermined method, and the privilege information having the greatest privilege.
  • a user can easily use a card that can receive the most beneficial privilege. That is, it is possible to selectively use cards that maximize the benefits obtained at each store.
  • the privilege related information acquisition unit 14A uses the privilege information of two or more cards that can be used by the user in the store, and converts the privilege information into two or more privilege information based on a predetermined method.
  • the user uses the privilege-related information for specifying the rank with respect to the two or more pieces of privilege information while using the bonus rank in consideration.
  • the card can be selected.
  • the information system 300A includes a server device 1A, a terminal device 2A, and a card device 3A.
  • the server device 1A receives the store information storage unit 111 and store specifying information from the terminal device 2A.
  • the receiving unit 12, the card information acquiring unit 16 that acquires two or more pieces of card information corresponding to the store specifying information received by the store specifying information receiving unit 12 from the store information storing unit 111, and the 2 acquired by the card information acquiring unit 16
  • a card information transmitting unit 17 that transmits the above card information to the terminal device 2A, and the terminal device 2A stores possessed card identifying information in which retained card identifying information that identifies two or more cards possessed by the user is stored.
  • Second store specifying information receiving unit 22 that receives store specifying information, and store specifying information received by second store specifying information receiving unit 22 Stored from the store specific information transmitting unit 23 transmitted to the device 1A, the card information receiving unit 28 receiving two or more pieces of card information from the server device 1A in response to the transmission of the store specific information, and the possessed card specific information storing unit 211 Used by the user at the store using the possessed card identifying information acquisition unit 13A that acquires the card identifying information and the two or more privilege information and the retained card identifying information that the two or more card information received by the card information receiving unit 28 has.
  • a privilege related information acquisition unit 14A that acquires privilege related information related to privilege information of two or more possible cards, and a privilege related information output unit that transmits the privilege related information acquired by the privilege related information acquisition unit 14A to the card device 3A.
  • the card device 3A includes a privilege related information receiving unit 32A that receives privilege related information from the terminal device 2A, and a privilege related information receiving unit 32A.
  • the information system 300A includes the server device 1A, the terminal device 2A, and the card device 3A.
  • the possessed card identifying information storage unit 211 that stores the possessed card identifying information that identifies two or more cards held by the user, the second store identifying information receiving unit 22 that accepts the store identifying information, and the store identifying information are stored in the server.
  • the card information receiving unit 28 Stored in the store specific information transmitting unit 23 transmitted to the device 1A, the card information receiving unit 28 receiving two or more pieces of card information from the server device 1A in response to the transmission of the store specific information, and the possessed card specific information storage unit 211 It is related to the privilege information of two or more cards that can be used by the user in the store using the possessed card specifying information and the two or more privilege information possessed by the two or more card information received by the card information receiving unit 28
  • the privilege related information acquisition unit 14A that acquires the privilege related information and the privilege related information output unit 15A that outputs the privilege related information acquired by the privilege related information acquisition unit 14A.
  • the terminal device 2A having a, in cooperation with the server device 1A, the terminal device 2A for supporting the use of cards in which a beneficial benefits is received for the user is achieved.
  • the software that realizes the information system 300A in the present embodiment is a program for causing a computer to function as each of the above-described units, for example, the following program. That is, the computer-accessible recording medium has two or more pieces of card information including a store identifier that identifies the store, a card identifier that identifies a card that can be used in the store, and privilege information related to a privilege by using the card.
  • 14A of privilege related information acquisition parts which acquire privilege related information related to privilege information of two or more cards which a user can use in a store using two or more privilege information which card information of two or more cards has, It is a program for functioning as privilege related information output part 15A which outputs privilege related information which privilege related information acquisition part 14A acquired.
  • server device 1A manages store information, receives store specifying information for specifying a store from terminal device 2A, and card information relating to two or more cards that can be used in the store. And the acquired card information is transmitted to the terminal device 2A, while the terminal device 2A manages the possessed card specifying information, acquires the store specifying information for specifying the store, and transmits it to the server device 1A.
  • the terminal device receives card information from the server device 1A, acquires privilege-related information using privilege information corresponding to two or more cards specified by the possessed card specifying information among the cards that can be used in the store.
  • the card device 3A receives and outputs privilege-related information from the terminal device 2A.
  • the function of the terminal device 2A is distributed between the server device 1A and the card device 3 By realizing Te, embodiments excluding the terminal device 2A from the information system 300A is also possible.
  • FIG. 11 is a block diagram of an information system 300B in the present embodiment.
  • the information system 300B includes a server device 1B, one or more card devices 3B.
  • the server device 1B and the card device 3B are connected to be communicable via, for example, a network.
  • the card device 3B includes a communication module for performing communication via a network, for example.
  • the server device 1B includes a storage unit 11, a store identification information reception unit 12B, a card information acquisition unit 16, a card information transmission unit 17B, a possessed card identification information acquisition unit 13B, a privilege related information acquisition unit 14B, and a privilege related information output unit 15B.
  • the card device 3B includes a card storage unit 31B, a second store specifying information receiving unit 22, a store specifying information transmitting unit 23, a card information receiving unit 28, a second possessed card specifying information acquiring unit 24, a privilege related information receiving unit 26, a first Two privilege related information output part 33 and possession card specific information transmission part 25 are provided.
  • the card storage unit 31B includes a possessed card identification information storage unit 211.
  • the store specifying information receiving unit 12B constituting the server device 1B receives the store specifying information from the card device 3B.
  • the possessed card identification information acquisition unit 13B receives the possessed card identification information from the card device 3B.
  • the card information transmission unit 17B transmits two or more pieces of card information acquired by the card information acquisition unit 16 to the card device 3B.
  • the privilege related information acquiring unit 14B is a store specified by the store specifying information received by the store specifying information receiving unit 12 among two or more cards specified by the held card specifying information received by the held card specifying information acquiring unit 13B.
  • Benefits related to privilege information of two or more cards that can be used by the user in the store using two or more privilege information of the card information of two or more cards corresponding to two or more card information of the store information of Related information is acquired from the store information storage unit 111.
  • the privilege related information output unit 15B transmits the privilege related information acquired by the privilege related information acquisition unit 14B to the card device 3B.
  • the card storage unit 31B constituting the card device 3B can store various types of information.
  • the various information includes, for example, identification information for identifying the card device 3B, identification information for identifying the server device 1B, and the like.
  • the components other than those described above perform the same operations as those described in the first and second embodiments.
  • FIG. 12 is a flowchart regarding the operation of the server apparatus 1B.
  • This flowchart includes steps S201B, S801, S802B, S202B, S203B, and S204B.
  • the processing in step S801 is described in the second embodiment.
  • Step S201B The store specifying information receiving unit 12B determines whether or not store specifying information is received from the card device 3. If it is determined that the store specifying information is received from the card device 3, the process proceeds to step S801. If it is determined that the store specifying information is not received, the process returns to step S201B.
  • Step S802B The card information transmitting unit 17B transmits two or more pieces of card information acquired by the card information acquiring unit 16 to the card device 3B.
  • Step S202B The possessed card specifying information acquisition unit 13B determines whether or not the retained card specifying information is received from the card device 3B. If it is determined that the possessed card specifying information is received from the card device 3B, the process proceeds to step S203B. If it is determined that the possessed card specifying information is not received, the process returns to step S02B.
  • the privilege related information acquiring unit 14B uses the store specifying information received by the store specifying information receiving unit 12B among the two or more cards specified by the holding card specifying information received by the holding card specifying information acquiring unit 13B.
  • the privilege information of two or more cards that can be used by the user at the store using the two or more privilege information of the card information of two or more cards corresponding to the two or more card information of the store information of the specified store Is obtained from the store information storage unit 111.
  • Step S204B The privilege related information output unit 15B transmits the privilege related information acquired by the privilege related information acquisition unit 14B to the card device 3B. Thereafter, the process returns to step S210B.
  • FIG. 12 is processing for one card device 3B, and when there are two or more card devices 3B, the same processing is performed for each of the other card devices 3B. That is, the server device 1 can execute the same processing as in FIG. 12 in two or more, in parallel, or in time division.
  • FIG. 13 is a flowchart regarding the operation of the card device 3B. This flowchart includes steps S301, S302, S901, S203, S304, S305, and S402. The processing at each step is described in the first and second embodiments.
  • the operation of the information system 300B in the present embodiment is different from the operation of the information system 300 or 300A in the first or second embodiment only in role sharing, and a description of a specific example is omitted.
  • 1 having two or more pieces of card information including a store identifier for identifying a store, a card identifier for identifying a card that can be used in the store, and privilege information relating to a privilege by using the card.
  • an information system 300B comprising a privilege related information acquisition unit 14B that acquires privilege related information related to the privilege information of the user and a privilege related information output unit 15B that outputs the privilege related information acquired by the privilege related information acquisition unit 14B.
  • the user can use a plurality of cards that can be used in the store by using the benefit-related information, and the user has a plurality of Among the cards, a card that can receive a beneficial privilege can be easily used.
  • privilege related information acquisition part 14B uses the privilege information of the 2 or more card
  • privilege-related information that specifies a card corresponding to
  • a user can easily use a card that can receive the most beneficial privilege. That is, it is possible to selectively use cards that maximize the benefits obtained at each store.
  • privilege related information acquisition part 14B uses the privilege information of the two or more cards which a user can use in a store, and becomes 2 or more privilege information based on a predetermined method.
  • the user uses the privilege-related information for specifying the rank with respect to the two or more pieces of privilege information while using the bonus rank in consideration.
  • the card can be selected.
  • the information system 300B includes a server device 1B and a card device 3B.
  • the server device 1B includes a store information storage unit 111 and a store specification information receiving unit 12B that receives store specification information from the card device 3B.
  • the card information acquiring unit 16 that acquires two or more pieces of card information corresponding to the store specifying information received by the store specifying information receiving unit 12B from the store information storing unit 111, and the two or more pieces of card information acquired by the card information acquiring unit 16
  • a card information transmitting unit 17B that transmits the card information to the card device 3B, and a possessed card specifying information acquiring unit 13B that receives, from the card device 3B, possessed card identifying information that identifies two or more cards owned by a user who purchases a product or service; Of the two or more cards identified by the possessed card identification information received by the possessed card identification information acquisition unit 13B, Using two or more privilege information possessed by the card information of two or more cards corresponding to two or more card information
  • the card information device 3B receives the possessed card identification information storage unit 211 in which the possessed card identification information for identifying two or more cards owned by the user is stored, and the store identification information.
  • the store specifying information transmitting unit 23 that transmits the store specifying information to the server device 1B, and the transmission of the store specifying information, two or more Card information receiving unit 28 for receiving card information from server device 1B, second possessed card specifying information obtaining unit 24 for obtaining possessed card specifying information from possessed card specifying information storage unit 211, and obtaining second possessed card specifying information
  • the information system 300B includes the server device 1B and the card device 3B, and the server device 1B mainly receives a beneficial privilege.
  • An information system 300B that supports the use of the card is realized.
  • the possession card specific information storage part 211 in which the possession card specific information which identifies the two or more cards which a user holds is stored, the privilege related information reception part 26 which receives privilege related information, and the privilege related information reception part 26
  • the card device 3B including the second privilege-related information output unit 33 that outputs one or more privilege-related information received by the user cooperates with the server device 1B to support the use of a card that can receive a beneficial privilege.
  • the card device 3B is realized.
  • the software that realizes the information system 300B in the present embodiment is a program for causing the information system 300B to function as the above-described units, and is, for example, the following program. That is, the computer-accessible recording medium has two or more pieces of card information including a store identifier that identifies the store, a card identifier that identifies a card that can be used in the store, and privilege information related to a privilege by using the card.
  • Part 12B possessed card specifying information acquiring part 13B for acquiring owned card specifying information for specifying two or more cards held by a user who purchases a product or service, and two or more cards specified by the held card specifying information Among them, it corresponds to two or more card information that the store information of the store specified by the store identification information
  • a privilege-related information acquisition unit 14B that acquires privilege-related information related to privilege information of two or more cards that can be used by the user in the store using two or more privilege information of the card information of two or more cards It is a program for functioning as the privilege related information output part 15B which outputs the privilege related information which the privilege related information acquisition part 14B acquired.
  • server device 1B manages store information, receives store specifying information for specifying a store from terminal device 2B, and stores card information on two or more cards that can be used in the store. Obtain and transmit to the terminal device 2B, receive the possessed card specifying information from the terminal device 2B, and out of the cards usable in the store, the privilege information corresponding to two or more cards specified by the retained card specifying information The privilege related information used is acquired and transmitted to the card device 3B, while the card device 3B manages the possessed card specifying information, acquires the store specifying information for specifying the store, and transmits it to the server device 1B.
  • the card information is received from the server device 1B, the possessed card specifying information is acquired and transmitted to the server device 1B, and the privilege related information is received and output from the server device 1B. If the function of the card device 3B, by realizing not illustrated terminal device 2B, the embodiment excluding the card device 3B from the information system 300B are possible.
  • FIG. 14 is a diagram illustrating an example of an appearance of a computer system 900 that implements the information system 300, 300A, or 300B by executing the program described in each embodiment. Each embodiment may be realized by computer hardware and a computer program executed on the computer hardware.
  • a computer system 900 includes a computer 901 including a CD-ROM drive 905, a keyboard 902, a mouse 903, and a display 904. Note that the entire system including the keyboard 902, the mouse 903, and the display 904 may be called a computer.
  • FIG. 15 is a diagram showing an internal configuration of the computer system 900.
  • a computer 901 in addition to the CD-ROM drive 905, a computer 901 is connected to the MPU 911, a ROM 912 for storing a program such as a bootup program, and the MPU 911, and temporarily stores an instruction of an application program.
  • a RAM 913 that provides temporary storage space
  • a hard disk 914 that stores application programs, system programs, and data
  • a bus 915 that interconnects the MPU 911, ROM 912, and the like
  • a network card that provides connection to a network such as the Internet 916.
  • a program that causes the computer system 900 to execute the functions of the information system 300 or the like may be stored in the CD-ROM 921, inserted into the CD-ROM drive 905, and transferred to the hard disk 914.
  • the program may be transmitted to the computer 901 via a network such as the Internet and stored in the hard disk 914.
  • the program is loaded into the RAM 913 when executed.
  • the program may be loaded directly from the CD-ROM 921 or the network.
  • the program may be read into the computer system 900 via another removable recording medium (for example, a DVD or a memory card) instead of the CD-ROM 921.
  • the program does not necessarily include an operating system (OS) for executing functions such as the information system 300 or a third-party program in 901 indicating the details of the computer.
  • the program may include only a part of an instruction that calls an appropriate function or module in a controlled manner and obtains a desired result. How the computer system 900 operates is well known and will not be described in detail.
  • processing performed by hardware for example, processing performed by a network card or the like in the transmission step (only performed by hardware) Processing) is not included.
  • the computer that executes the program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.
  • two or more communication means for example, privilege related information receiving part 26 with which the terminal device 2 is provided, privilege related information transmission part 27, etc.
  • privilege related information receiving part 26 with which the terminal device 2 is provided
  • privilege related information transmission part 27, etc. which exist in one apparatus are physically one. Needless to say, it may be realized by a medium.
  • each process may be realized by centralized processing by a single device (system), or by distributed processing by a plurality of devices. May be.
  • the card storage unit (31, 31, 31B) of the card device (3, 3A, 3B) may be capable of storing credit card information of each of two or more cards held by the user.
  • the credit card information includes information necessary for card payment, such as a credit card number, an expiration date, and user identification information for identifying a user of the card.
  • the process in which two or more credit card information is stored in the card storage part of the card device does not matter.
  • the credit card information of the card may be stored in the card storage unit from a server of each card company that issues the card via a network or a communication line, or via a recording medium such as a memory card.
  • a server of each card company that issues a card includes, for example, a credit card information storage unit that stores one or more credit card information.
  • a credit card information transmission unit that transmits one or more pieces of credit card information stored in the credit card information storage unit may be included.
  • the card device includes, for example, a credit card information receiving unit that receives credit card information from the credit card information processing device, an accumulation unit that accumulates credit card information received by the credit card information receiving unit in the card storage unit, and a card storage unit And a credit card information output unit for outputting the credit card information stored in.
  • the card device includes a card selection receiving unit that receives selection of one of two or more cards, a credit card information acquiring unit that acquires credit card information of the selected card from the card storage unit, and the acquired credit card information It is preferable to further include a credit card information output unit for outputting.
  • the output is usually transmission to an external device (a store terminal, a card company payment server, etc.), but may be stored in a recording medium, and the output destination and output mode are not limited.
  • the user can use the card device 3 to select a card that can receive a beneficial privilege from the two or more cards, and perform payment using the card. No need to carry around. On the other hand, each card company does not need to issue a card by storing the credit card information in the card device 3.
  • each of the two or more cards may be a physical card or a virtual card.
  • a physical card is a physical card that has a credit card function.
  • a virtual card is a virtual card that has a credit card function.
  • the virtual card may be a virtual card of a type generated instead of issuing a physical card, or a virtual card of a type generated on the assumption that a physical card is issued.
  • the credit card function is a function that the credit card has. Details of the physical card, virtual card, and credit card functions will be described in the fourth embodiment.
  • the information system is one of two or more cards according to the credit card information storage unit storing credit card information having at least the credit card number of the card and the output of privilege related information by the privilege related information output unit.
  • a credit card information stored in the credit card information storage unit according to the acceptance of the selection, and at least the credit card number of the credit card information that is paired with one card.
  • a credit card information output unit for outputting.
  • the credit card information processing apparatus changes a credit card number when one or more credit card information stored in the credit card information storage unit has a predetermined condition. You may further comprise the card number change part.
  • the predetermined condition is, for example, a time condition that is a time condition, a use mode condition that is a condition related to the use mode of the credit card function, or any other condition.
  • the change when the time condition is satisfied is, for example, a change every predetermined time.
  • the credit card information processing apparatus further includes, for example, a time information storage unit that stores time information indicating a predetermined time (for example, a period, a date, etc.), and the credit card number changing unit includes: For example, the credit card number may be changed every time indicated by the time information.
  • the time information will be described in the fourth embodiment. This improves security when making a payment using a card.
  • changing when the usage mode condition is satisfied is, for example, changing the frequency according to the usage mode of the credit card function.
  • the credit card information processing apparatus acquires usage mode information indicating a usage mode (for example, usage frequency, usage count, usage amount, usage location, etc.) in which the credit card function of the card is used.
  • a usage mode information acquisition unit may further be provided, and the credit card number changing unit may change the credit card number at a frequency according to the usage mode indicated by the usage mode information.
  • the usage mode information will be described in the fourth embodiment.
  • the card device may be a card device as shown in FIG.
  • reference numeral 1601 denotes a screen with a touch panel, for example.
  • FIG. 17 is a block diagram of the information system 400 in the present embodiment.
  • the information system 400 includes a credit card information processing device 4 and a card device 5.
  • the credit card information processing device 4 and the card device 5 are connected to be communicable via a network such as a wireless LAN or the Internet, a wireless or wired communication line, and the like.
  • a network such as a wireless LAN or the Internet, a wireless or wired communication line, and the like.
  • the connection mode between the credit card information processing apparatus 4 and the card apparatus 5 is not limited.
  • the credit card information processing apparatus 4 is realized by, for example, a general-purpose server, a clyde server, or the like, but the type is not limited.
  • the card device 5 is realized by an IC card, for example.
  • the IC card includes, for example, an IC chip including a CPU and a memory, a communication module for performing network communication, a display, a touch panel, and the like.
  • the type and configuration of the card device 5 do not matter.
  • the credit card information processing apparatus 4 includes a storage unit 41, a reception unit 42, a transmission unit 43, and a processing unit 44.
  • the storage unit 41 includes a credit card information storage unit 411 and a time information storage unit 412.
  • the receiving unit 42 includes an output request receiving unit 421.
  • the transmission unit 43 includes a credit card information transmission unit 431.
  • the processing unit 44 includes a credit card number changing unit 441 and a usage mode information acquiring unit 442.
  • the card device 5 includes a card storage unit 51, an output request reception unit 52, an output request transmission unit 53, a credit card information reception unit 54, a credit card information output unit 55, and a card processing unit 56.
  • the card storage unit 51 includes a user identification information storage unit 511.
  • the storage unit 41 constituting the credit card information processing apparatus 4 can store various types of information.
  • the various types of information include, for example, credit card information and time information described later.
  • the storage unit 41 may store conditions, timing conditions, usage mode conditions, and the like, which will be described later.
  • one or more credit card information having at least the credit card number of the card is stored in combination with user identification information for identifying the card user.
  • the card may be a physical card or a virtual card.
  • a physical card is a physical card that has a credit card function.
  • a physical card is usually a plastic card having one or more of a magnetic body or an IC chip on which credit card information is written, and a credit card number, an expiration date, a user name, etc. are engraved on its surface. The structure and material are not asked.
  • a desirable physical card may further include a display for displaying at least a credit card number among credit card information stored in a magnetic body or the like, instead of engraving.
  • a virtual card is a virtual card that has a credit card function.
  • the virtual card may be a first type virtual card generated instead of issuing a physical card, or a second type virtual card generated on the assumption that a physical card is issued.
  • the entity of any type of virtual card is usually credit card information.
  • the credit card information of the virtual card is normally stored in the storage unit of the server device 1, but may be stored in, for example, a storage unit of a cloud server (not shown) or stored in the card storage unit 51 of the card device 5.
  • the storage location is not limited.
  • the card is, for example, a credit card, a membership card having a credit card function, a point card having a credit card function, or the like.
  • the credit card information may include information indicating an expiration date, a usage frame, and the like. It does not matter what information the credit card information has other than the credit card number.
  • the credit card function is a function possessed by the credit card.
  • the credit card function is normally a payment function that allows payment to be made cashless and postpaid, but may include a cashing function and other additional service functions, for example.
  • Cashless payment is, for example, withdrawal or transfer using a bank account, payment by check, etc., but any payment that does not depend on cash may be used.
  • the cashing function is a function capable of receiving a cash loan.
  • the other service functions include, for example, a function that can receive discounts and preferential treatment, and a function that can exchange points accumulated according to the payment amount for a privilege such as a prize.
  • the type of credit card function does not matter.
  • User identification information includes, for example, one or more information among a name, an address, a telephone number, and an e-mail address. Further, the user identification information in the present embodiment also includes a card device identifier for identifying the card device 5 held by the user.
  • the card device identifier is, for example, a MAC address, an IP address, etc., but the type is not limited. However, the user identification information may be anything as long as it can identify the card user.
  • the time information storage unit 412 stores time information.
  • Time information refers to information indicating a predetermined time. The time information will be described later.
  • the time information storage unit 412 may store a set of pairs of user identification information and time information.
  • the receiving unit 42 receives various information.
  • the various information is, for example, an output request described later.
  • the output request receiving unit 421 receives an output request from the card device 5.
  • the output request will be described later.
  • the output request receiving unit 421 normally receives an output request paired with user identification information. If only one piece of user identification information is stored in the credit card information storage unit 411, the user identification information can be omitted. Also, receiving in pairs includes that the output request has user identification information.
  • the transmission unit 43 transmits various types of information.
  • the various information is, for example, credit card information described later.
  • the credit card information transmission unit 431 transmits the credit card information stored in the credit card information storage unit 411 in response to receiving the output request.
  • the credit card information transmission unit 431 is credit card information stored in the credit card information storage unit 411 in the card device 5 that is normally identified by the card device identifier included in the user identification information received in pair with the output request.
  • the credit card information paired with the user identification information is transmitted.
  • the card information transmission unit 431 normally transmits all of the credit card information paired with the user identification information. For example, the credit information may be transmitted only in the credit card, or the credit card number may be transmitted. A part of it may be transmitted.
  • the processing unit 44 executes various processes.
  • the various processes include, for example, a process for changing a credit card number as described later, a process for acquiring usage mode information, and the like.
  • the processing unit 44 performs, for example, a process of changing the time indicated by the time information stored in the time information storage unit 412 according to usage mode information acquired by the usage mode information acquisition unit 442 described later. Good.
  • the processing unit 44 also performs various determinations such as determination of whether or not an output request has been received and determination of whether or not to change the credit card number.
  • the credit card number changing unit 441 changes the credit card number included in the credit card information stored in the credit card information storage unit 411 when a predetermined condition is satisfied.
  • the predetermined condition is, for example, a time condition that is a time condition, a use mode condition that is a condition related to the use mode of the credit card function, or any other condition.
  • the time condition may be, for example, a condition that the time is changed to a predetermined date or time, a condition that the time is changed every predetermined time, or any condition relating to time.
  • the usage mode condition may be, for example, a condition of changing when one or more of the usage frequency, usage count, and usage amount is greater than or equal to the threshold, greater than the threshold, less than the threshold, or less than the threshold.
  • the condition may be changed when the use place is a specific place.
  • the usage location may be, for example, information indicating a location where a user uses a credit card function, information indicating a location where the user himself exists, a virtual store and a real store, a large store and a small store, etc. Information indicating a difference in store type and scale may be used.
  • the specific location may be any location, for example, overseas, domestic, specific country or region.
  • the usage mode condition may be anything as long as it is a condition related to the usage mode of the credit card function.
  • the change when the time condition is satisfied may be, for example, a change to a date and time determined by the time condition, or a change at every time determined by the time condition.
  • the change at each predetermined time may be rephrased as a regular change.
  • the time is, for example, at least one of a period or a date.
  • the period is, for example, 1 minute, 1 day, 1 week, etc., but it does not matter whether it is long or short.
  • the date and time may be date and time, day of the week and time, or only time.
  • the date may be a date, a date, or a date.
  • the time may be expressed using a period and a date and time, such as zero second per minute, every day at midnight, every Sunday at midnight, and the expression format is not limited.
  • the determined time may be a fixed time or a time determined to be changeable.
  • the time information described above is information indicating the time.
  • the credit card number changing unit 441 changes the credit card number when the current time acquired from the MPU built-in clock, NTP server, or the like satisfies the time condition stored in the storage unit 41. May be.
  • the credit card number change part 441 may change a credit card number for every time which the time information stored in the time information storage part 412 shows, for example.
  • the change when the usage mode condition is satisfied may be, for example, changing according to the usage mode of the credit card function satisfying the usage mode condition, or the frequency according to the usage mode of the credit card function. It may be changed with.
  • the credit card number changing unit 441 determines whether the usage mode indicated by the usage mode information acquired by the usage mode information acquisition unit 442 satisfies the usage mode condition stored in the storage unit 41, May be changed.
  • the credit card number changing unit 441 may change the credit card number at a frequency according to the usage mode indicated by the usage mode information acquired by the usage mode information acquisition unit 442.
  • the usage mode information acquisition unit 442 acquires usage mode information for each type of credit card function (payment function, cashing function, etc.)
  • the credit card number changing unit 441 has a different frequency for each type of credit card function.
  • the credit card number may be changed (for example, when the cashing function is used even with the same amount, the change frequency is increased or decreased as compared with the case where the settlement function is used).
  • the usage mode may be, for example, usage frequency, usage frequency, usage amount, usage location (domestic / foreign ratio, actual store / virtual store ratio, etc.), and the like.
  • the processing mode 44 uses the usage mode information acquisition unit 442 to acquire the time indicated by the time information stored in the time information storage unit 412. While changing according to the information, the credit card number changing unit 441 may change the credit card number for each time indicated by the time information stored in the time information storage unit 412.
  • the storage unit 41 stores a set of pairs of usage mode information and time information.
  • the timing information can be, for example, once a minute, once a day, once a week, once a month, or at zero seconds per minute, every day at midnight, every Sunday at midnight, every morning on the first day of every month Although it is at midnight, its length and expression form are not limited.
  • the usage mode information is usage frequency information
  • the storage unit 41 stores the usage frequency information “once a day” and the timing information “once a minute”, as well as the usage frequency information “once a week”.
  • a pair of “above” and time information “once a day”, usage frequency information “once a month” and time information “once a week”, etc. may be stored.
  • the storage unit 41 stores the usage count information “0 times” and the timing information “every month at midnight” and the usage count information “1 to 10 times”. And the time information “every day at midnight”, the usage frequency information “11 times or more” and the change frequency information “zero seconds per minute”, etc. may be stored.
  • the usage mode information is usage amount information
  • the storage unit 41 stores the usage amount information “average payment amount of 3,000 yen or less per time” and time information “once a week” as a usage amount.
  • usage mode information is usage location information
  • the storage unit 41 stores the usage location information “actual store 50” or more and the change frequency information “zero seconds per minute” in combination with the usage location information “actual store”. A pair of “80% or more” and change frequency information “every day at midnight”, etc. may be stored.
  • the processing unit 44 acquires the change frequency information corresponding to the usage mode information acquired by the usage mode information acquisition unit 442 from the storage unit 41, and converts the time information stored in the time information storage unit 412 into the acquired time information. Update. For example, when the stored time information is “once a week” and the usage frequency information “at least once a day” is acquired, the processing unit 44 changes the usage frequency information to “once a day”. The corresponding time information “once a day” is acquired from the storage unit 41, and the stored time information “once a week” is updated to the acquired time information “once a day”. Thereby, the frequency with which the credit card number changing unit 441 changes the credit card number is changed from “once a week” to “once a minute”.
  • the change frequency of the credit card information is changed to “zero seconds per minute” corresponding thereto.
  • the change frequency is changed to the corresponding change frequency information “once a week”.
  • the usage location information “overseas 50% or more” is acquired, the credit card number changing unit 441 is changed to the corresponding change frequency information “once per minute”.
  • the credit card number changing unit 441 may determine the frequency using the usage mode information acquired by the usage mode information acquisition unit 442 and a predetermined function.
  • the function may be an increasing function indicating a higher change frequency as the usage frequency is higher.
  • the function may be an increasing function indicating a higher change frequency as the usage count increases.
  • the function may be an increase function indicating a higher change frequency as the usage amount increases.
  • the function or algorithm for determining the frequency is not limited.
  • the credit card number changing unit 441 may change the credit card number of the virtual card. Further, even when the card is a second type virtual card and the physical card paired therewith has a display, the credit card number changing unit 441 may change the credit card number common to both cards. However, if the card is a second type virtual card and the physical card that is paired with it has a stamp such as a credit card number and does not have a display, it is difficult to change the credit card number of the physical card. Therefore, the credit card number changing unit 441 normally changes only the credit card number of the virtual card. As a result, the virtual card credit card number is different from the physical card credit number.
  • the usage mode information acquisition unit 442 acquires usage mode information.
  • the usage mode information refers to information indicating the usage mode.
  • the usage mode refers to a mode in which the credit card function of the card is used.
  • the usage mode is, for example, the above-described usage frequency, usage frequency, usage amount, usage location, etc., but the type is not limited.
  • the usage mode information acquisition unit 442 for example, from a payment server (not shown) that performs payment by card, usage frequency information that indicates usage frequency, usage frequency information that indicates the usage frequency, usage amount information that indicates the usage amount, usage location Use location information that indicates Further, the usage mode information acquisition unit 442 may acquire such usage mode information for each type of credit credit card function such as a settlement function and a cashing function. However, the type of usage mode information and the acquisition source are not limited.
  • the card storage unit 51 constituting the card device 5 can store various types of information. Examples of the various information include user identification information.
  • the user identification information storage unit 511 stores one piece of user identification information.
  • One user identification information is a user who uses the credit card function of the card, and is information for identifying a user who owns the card device 5.
  • the user identification information includes a card device identifier that identifies the card device 5 held by the user.
  • the card device identifier does not necessarily need to be included in the user identification information, and may be stored in a pair with the user identification information, for example.
  • the output request receiving unit 52 receives an output request.
  • the output request is an instruction for requesting output of credit card information paired with one user identification information.
  • Receiving means receiving information input from an input device such as a touch panel or a microphone, receiving information transmitted via a wired or wireless communication line or network, or from a recording medium such as an optical disk, a magnetic disk, or a semiconductor memory. It is a concept that includes acceptance of read information.
  • the output request receiving unit 52 needs to have a voice recognition function.
  • the output request reception unit 52 is usually Accept only output requests. However, the output request receiving unit 52 may receive a pair of the one user identification information and the output request. When the card device 5 is shared by two or more users, the output request receiving unit 52 normally receives a pair of one user identification information and an output request.
  • the output request transmitting unit 53 transmits the output request received by the output request receiving unit 52 to the credit card information processing device 4 in a pair with the one user identification information.
  • the credit card information receiving unit 54 receives the credit card information transmitted by the credit card information transmitting unit 431 in response to the output request transmitted by the output request transmitting unit 53.
  • the credit card information output unit 55 outputs at least the credit card number of the credit card information received by the credit card information receiving unit 54. That is, the credit card information output unit 55 may output all of the credit card information or only the credit card number. Output refers to display on a display, sound output from a speaker, printing on a printer, transmission to an external device, storage in a recording medium, delivery of processing results to other processing devices or other programs, etc. It is a concept that includes.
  • the credit card information output unit 55 is credit card information stored in the credit card information storage unit 411 in response to the output request received by the output request reception unit 52, and is stored in the user identification information storage unit 511. As a result, at least the credit card number of the credit card information paired with the one user identification information is output.
  • the card processing unit 56 executes various processes.
  • the various processes include, for example, determination of whether an output request has been accepted, determination of whether credit card information has been received, or the like.
  • the storage unit 41, the credit card information storage unit 411, the time information storage unit 412, the card storage unit 51, and the user identification information storage unit 511 are preferably non-volatile recording media. However, it can also be realized with a volatile recording medium. Moreover, the process in which various information is memorize
  • the processing unit 44, the credit card number changing unit 441, the usage mode information acquiring unit 442, and the card processing unit 56 (and a terminal processing unit 64 to be described later) can usually be realized by an MPU, a memory, or the like.
  • the processing procedure of the processing unit 44 and the like is usually realized by software, and the software is recorded on a recording medium. However, it may be realized by hardware (dedicated circuit).
  • the receiving unit 42, the output request receiving unit 421, and the credit card information receiving unit 54 may or may not include one or more hardware of the communication module or the broadcast receiving module.
  • the transmission unit 43, the credit card information transmission unit 431, and the output request transmission unit 53 may or may not include one or more hardware of the communication module or the broadcast module.
  • the credit card information output unit 55 may or may not include an output device.
  • the output request transfer unit 62 and the credit card transfer unit 63 which will be described later, may or may not include a communication module, or a broadcast reception module and a broadcast module.
  • the reception function such as the reception unit 42, the transmission function such as the transmission unit 43, the output function of the credit card information output unit 55, and the transfer function such as the output request transfer unit 62 are performed by the driver software of the one or more hardware or It can be realized by the one or more hardware and its driver software.
  • FIG. 18 is a flowchart for explaining the operation of the credit card information processing apparatus 4.
  • Step S1801 The processing unit 44 determines whether or not the output request receiving unit 421 has received an output request from the card device 5. If the output request is received by the output request receiving unit 421, the process proceeds to step S1802, and if not received, the process proceeds to step S1803.
  • Step S1802 The credit card information transmission unit 431 stores the credit card information stored in the credit card information storage unit 411 in the card device 5 identified by the card device identifier included in the user identification information received in pair with the output request. Information, which is credit card information paired with the user identification information. Thereafter, the process returns to step S1801.
  • Step S1803 The processing unit 44, for example, the time condition and usage mode condition stored in the storage unit 41, the current time acquired from the internal clock, the usage mode information acquired by the usage mode information acquisition unit 442, and the like. To determine whether or not a predetermined condition is satisfied. If the predetermined condition is satisfied, the process proceeds to step S1804. If the predetermined condition is not satisfied, the process proceeds to step S1805.
  • the processing unit 44 acquires the current time from, for example, an MPU built-in clock or an NTP server, and uses the acquired current time and the time information stored in the time information storage unit 412, It may be determined whether it is time to change the credit card number. If it is time to change the credit card number, the process proceeds to step S1804. If it is not time to change the credit card number, the process proceeds to step S1805.
  • the credit card number changing unit 441 is credit card information stored in the credit card information storage unit 411, and changes the credit card number included in the credit card information paired with the user identification information. For example, two or more unused credit card numbers are stored in the storage unit 41, and the credit card number changing unit 441 selects one of the credit card numbers as a new credit card number, The credit card number may be changed to the selected new credit card number.
  • the credit card number changing unit 441 can determine a new credit card number using, for example, a random number, and an algorithm for determining a new credit card number is not limited.
  • Step S1805 The processing unit 44 determines whether it is time to acquire the usage mode information. For example, the storage unit 41 stores acquisition time information indicating the time at which usage mode information is acquired, and the processing unit 44 acquires the current time and stores the acquired current time and the storage unit 41. Such determination may be made using the update time information. If it is time to acquire usage mode information, the process proceeds to step S1806, and if it is not time to acquire usage mode information, the process returns to step S1801.
  • the usage mode information acquisition unit 442 receives, for example, usage frequency information indicating usage frequency, usage frequency information indicating the usage frequency, usage amount information indicating the usage amount, and usage location from a payment server that performs payment by card.
  • usage mode information such as the usage location information shown is acquired.
  • the type of usage mode information and the acquisition source are not limited.
  • Step S1807 The processing unit 44 changes the time information stored in the time information storage unit 412 according to the usage mode information acquired by the usage mode information acquisition unit 442. Thereafter, the process returns to step S1801.
  • processing in FIG. 18 starts, for example, when the credit card information processing device 4 is turned on or when the program starts, and ends when the credit card information processing device 4 is turned off or the program ends.
  • the trigger for starting and ending the process is not limited.
  • FIG. 19 is a flowchart for explaining the operation of the card device 5.
  • Step S1901 The card processing unit 56 determines whether or not the output request receiving unit 52 has received an output request for requesting output of credit card information. If the output request reception unit 52 has received an output request, the process proceeds to step S1902, and if not, the process proceeds to step S1903.
  • Step S1902 The output request transmission unit 53 transmits the output request received by the output request reception unit 52 to the credit card information processing device 4 in a pair with the user identification information stored in the user identification information storage unit 511. . Thereafter, the process returns to step S1901.
  • Step S1903 The card processing unit 56 determines whether or not the credit card information receiving unit 54 has received the credit card information. If the credit card information receiving unit 54 has received the credit card information, the process proceeds to step S1904, and if not, the process returns to step S1901.
  • Step S1904 The credit card information output unit 55 outputs at least the credit card number of the credit card information received by the credit card information receiving unit 54. Thereafter, the process returns to step S1901.
  • processing in FIG. 19 starts, for example, when the card device 5 is turned on or when the program is started, and ends when the card device 5 is turned off or the program ends.
  • the trigger for starting and ending the process is not limited.
  • each of two or more users has one or two or more cards and one card device 5. That is, the user and the card correspond to one to one or one to many, and the user and the card device 5 correspond to one to one.
  • the credit card information storage unit 411 constituting the credit card information processing device 4 includes credit card information including a credit card number of a card held by the user and a card device identifier for identifying the card device 5 held by the user.
  • a set of pairs with identification information is stored.
  • the pair of credit card information and user identification information is, for example, a pair of credit card number “4980 1111 3939 0001” and card device identifier “12-34-56-78-90-ab”, credit card information “1111”. It may be a pair of 2222 3333 4444 "and card device identifier" 24-35-46-57-68-79 ", etc.
  • the time information storage unit 412 stores a set of pairs of user identification information and time information.
  • the pair of user identification information and time information is, for example, a pair of card device identifier “12-34-56-78-90-ab” and time information “once per minute”, card device identifier “24-35”. It may be a pair of “-46-57-68-79” and time information “once a week”,.
  • the storage unit 41 stores a set of pairs of usage frequency information and time information.
  • a pair of usage frequency information and time information is, for example, a pair of usage frequency information “once a day” and timing information “once a minute”, usage frequency information “once a week” and time information ”
  • the storage unit 41 also stores update time information indicating the time for acquiring the usage mode information.
  • the user identification information storage unit 511 constituting each of the two or more card devices 5 stores user identification information for identifying a user who owns the card device 5.
  • This user identification information includes a card device identifier (such as a MAC address) for identifying the card device 5.
  • the user who wants to use the credit card function of the card inputs an output request via an input device (such as a touch panel) of the card device 5.
  • an input device such as a touch panel
  • the user may input an output request after selecting one card with a touch panel or the like.
  • the output request transmitting unit 53 pairs the output request with the card device identifier “12-34-56-78-90-ab” and the credit card information processing device 4. Send to.
  • the credit card information transmitting unit 431 displays the card device identifier “12-34-56-78-90-ab”.
  • the credit card information stored in the credit card information storage unit 411 is credit card information that is paired with the card device identifier “12-34-56-78-90-ab”. Send.
  • the credit card information output unit 55 outputs at least the credit card number “4980 1111 3939 0001” of the credit card card information on a display or the like. Output through the device.
  • the user can make a payment using the credit card number output in this way.
  • the credit card information output unit 55 may transmit the credit card information received by the credit card information receiving unit 54 to, for example, a payment server that performs payment using a credit card. In this case, the user can make a payment without paying particular attention to the credit card number of the card.
  • the processing unit 44 determines whether or not it is time to change the credit card number for each user identification information.
  • the processing unit 44 acquires the current time from, for example, an MPU built-in clock, and makes such a determination using the acquired current time and time information for each user identification information stored in the time information storage unit 412. May be. For example, when it is time to change the credit card number corresponding to the card device identifier “12-34-56-78-90-ab”, the credit card number changing unit 441 is stored in the credit card information storage unit 411.
  • the credit card number changing unit 441 may determine a new credit card number to replace the existing credit card number using a random number.
  • the credit card number changing unit 441 stores the used credit card number in the storage unit 41, determines whether or not the determined credit number has been used, and if it has been used, the random number again May be used to determine a new credit card number.
  • the processing unit 44 also determines whether or not it is time to acquire usage mode information.
  • the processing unit 44 may acquire the current time and make such a determination using the acquired current time and the update time information stored in the storage unit 41.
  • the usage mode information acquisition unit 442 indicates, for example, usage frequency information indicating usage frequency, usage frequency information indicating the usage frequency, and usage amount from a payment server that performs payment by card.
  • usage mode information such as usage amount information and usage location information indicating a usage location is acquired.
  • the processing unit 44 changes the time information stored in the time information storage unit 412 according to the usage mode information thus acquired by the usage mode information acquisition unit 442.
  • the processing unit 44 changes the usage frequency information to “once a day”.
  • the corresponding time information “once a day” is acquired from the storage unit 41, and the stored time information “once a week” is updated to the acquired time information “once a day”.
  • the frequency with which the credit card number changing unit 441 changes the credit card number is changed from “once a week” to “once a minute”.
  • one or more credit card information having at least a credit card number of a card that is a card having a credit card function is stored in combination with user identification information for identifying a card user.
  • An output request for requesting output of credit card information paired with one user identification information is received, and is stored credit card information in response to reception of the output request.
  • the credit card number included in the stored credit card information is changed when a predetermined condition is satisfied, thereby changing the credit card number. Can be changed automatically. As a result, for example, security when making a payment using a card is improved.
  • time information indicating a predetermined time is further stored, and the credit card number can be changed for each time indicated by the time information.
  • the usage mode information indicating the usage mode that is the mode in which the credit card function of the card is used is acquired, and the credit card number is changed at a frequency according to the usage mode indicated by the usage mode information. be able to.
  • the information system 400 includes a credit card information processing device 4 and a card device 5.
  • the credit card information processing device 4 stores credit card information, and the credit card number is determined in accordance with a predetermined condition. When it is satisfied, it changes, receives the output request with the user identification information, and transmits the credit card information that is the stored credit card information and is paired with the user identification information in response to the reception of the output request.
  • the card device 5 stores one piece of user identification information, accepts an output request, transmits the accepted output request to a pair with the one user identification information, and responds to the output request with a credit card information processing device. 4 receives the credit card information transmitted, and outputs at least the credit card number of the received credit card information.
  • the credit card information processing apparatus 4 can change the credit card number card device 5 outputs automatically.
  • achieves the credit card information processing apparatus 4 in this Embodiment is the following programs, for example. That is, in the recording medium accessible by the computer of the credit card information processing apparatus 4, the credit card information having at least the credit card number of the card having the credit card function is paired with the user identification information for identifying the user of the card. One or two or more stored credit card information storage units 411 are stored, and this program predetermines the credit card number included in the credit card information stored in the credit card information storage unit 411.
  • the information system 400A of the present embodiment further includes a terminal device 6, and communication between the credit card information processing device 4 and the card device 5 is performed by the terminal device 6. It is only the point that is done through. Therefore, the common constituent elements and steps are denoted by the same reference numerals, and the description regarding the matters already described is omitted or simplified.
  • FIG. 20 is a block diagram of information system 400A in the present embodiment.
  • the information system 400A includes a credit card information processing device 4, a card device 5, and a terminal device 6.
  • the credit card information processing device 4 and the terminal device 6 are connected to be communicable via a network such as a wireless LAN or the Internet, a wireless or wired communication line, and the like.
  • the terminal device 6 and the card device 5 are connected so as to be communicable by short-range wireless such as Bluetooth (registered trademark) or Zigbee (registered trademark), or by wire.
  • short-range wireless such as Bluetooth (registered trademark) or Zigbee (registered trademark)
  • the connection mode between the credit card information processing device 4 and the terminal device 6 does not matter.
  • the aspect of the connection between the terminal device 6 and the card device 5 does not matter.
  • the user identification information in the present embodiment further includes a terminal device identifier for identifying the terminal device 6 held by the user instead of or in addition to the card device identifier for identifying the card device 5 held by the user. It is.
  • the terminal device identifier is, for example, a MAC address, an IP address, etc., but the type is not limited.
  • the terminal device 6 includes a terminal storage unit 61, an output request transfer unit 62, a credit card information transfer unit 63, and a terminal processing unit 64.
  • the terminal storage unit 61 constituting the terminal device 6 can store various types of information.
  • the various information is, for example, a terminal identifier for identifying the terminal device 6.
  • the output request transfer unit 62 receives the output request from the card device 5 and transmits it to the credit card information processing device 4.
  • the credit card information transfer unit 63 receives the credit card information from the credit card information processing device 4 and transmits it to the card device 5.
  • the terminal processing unit 64 executes various processes.
  • the various processes are, for example, processes such as determining whether or not the output request transfer unit 62 has received an output request, and determining whether or not the credit card information transfer unit 63 has received credit card information.
  • FIG. 21 is a flowchart for explaining the operation of the terminal device 6.
  • Step S2101 The terminal processing unit 64 determines whether or not the output request transfer unit 62 has received an output request. If the output request transfer unit 62 has received an output request, the process proceeds to step S2102; otherwise, the process proceeds to step S2103.
  • Step S2102 The output request transfer unit 62 transmits the output request and user identification information pair received by the output request transfer unit 62 to the credit card information processing apparatus 4. When the user identification information does not include the terminal identifier, the output request transfer unit 62 also transmits the terminal identifier stored in the terminal storage unit 61. Thereafter, the process returns to step S2101.
  • Step S2103 The terminal processing unit 64 determines whether or not the credit card information transfer unit 63 has received the credit card information. If the credit card information transfer unit 63 has received credit card information, the process proceeds to step S2104. If not, the process returns to step S2101.
  • Step S2104 The credit card information transfer unit 431 transmits the received credit card information to the card device 5. Thereafter, the process returns to step S2101.
  • processing in FIG. 21 starts, for example, when the terminal device 6 is turned on or when the program is started, and ends when the terminal device 6 is turned off or the program ends.
  • the trigger for starting and ending the process is not limited.
  • the specific operation example of the information system 400A in the present embodiment is the same as that in the fourth embodiment except that transmission / reception is performed via the terminal device 6, and the description thereof is omitted.
  • one or more credit card information having at least a credit card number of a card having a credit card function is stored in combination with user identification information for identifying a card user. , Accepts an output request for requesting output of credit card information paired with one user identification information, and is stored credit card information in response to acceptance of the output request, and is paired with one user identification information
  • the credit card number is automatically changed by changing the credit card number included in the stored credit card information when a predetermined condition is satisfied. Can be changed. As a result, for example, security when making a payment using a card is improved.
  • time information indicating a predetermined time is further stored, and the credit card number can be changed for each time indicated by the time information.
  • the usage mode information indicating the usage mode that is the mode in which the credit card function of the card is used is acquired, and the credit card number is changed at a frequency according to the usage mode indicated by the usage mode information. be able to.
  • the information system 400A includes a credit card information processing device 4, a terminal device 6, and a card device 5.
  • the credit card information processing device 4 stores credit card information and determines a credit card number in advance. The credit card is changed when the specified condition is satisfied, and the output request is received as a pair with the user identification information, and the credit card information stored according to the reception of the output request is paired with the user identification information.
  • the terminal device 6 receives the output request paired with the user identification information and transmits it to the credit card information processing device 4, receives the credit card information transmitted by the credit card information processing device 4, and receives the card device.
  • the card device 5 stores one piece of user identification information, receives an output request, and receives the output request
  • the credit card information transmitted by the credit card information processing device 4 in response to the output request is received in a pair, and at least the credit card number of the received credit card information is output.
  • the card information processing device 4 can automatically change the credit card number output by the card device 5 via the terminal device 6.
  • the software that implements the credit card information processing apparatus 4 in the present embodiment may be, for example, the program described in the fourth embodiment.
  • the information system or the like supports the use of a card that can receive a benefit that is beneficial to the user, so that, for example, the card that maximizes the benefit obtained at each store can be used properly. It is effective as an information system.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

[Problème] L'invention a pour objet de prendre en charge l'utilisation d'une carte pour laquelle un avantage utile peut être reçu. [Solution] Un système d'information selon l'invention comporte: une unité de stockage d'informations de magasin dans laquelle sont stockées une ou plusieurs informations de magasin qui comprend un identifiant de magasin servant à identifier un magasin et au moins deux informations de carte comprenant un identifiant de carte servant à identifier une carte utilisable au magasin et des informations d'avantage se rapportant à un avantage découlant de l'utilisation de la carte; une unité d'acceptation d'informations de spécification de magasin servant à accepter des informations de spécification de magasin qui spécifie un magasin où la carte est utilisé; une unité d'acquisition d'informations de spécification de cartes détenues servant à acquérir des informations de spécification de cartes détenues qui spécifie au moins deux cartes détenues par un utilisateur; une unité d'acquisition d'informations liées aux avantages servant à acquérir des informations liées aux avantages se rapportant aux informations d'avantage d'au moins deux cartes utilisables au magasin par l'utilisateur, l'unité d'acquisition d'informations liées aux avantages utilisant au moins deux informations d'avantage contenues par les informations de carte d'au moins deux cartes, parmi lesdites au moins deux cartes spécifiées par les informations de spécification de cartes détenues, qui correspondent auxdites au moins deux informations de carte comprises dans les informations de magasin d'un magasin spécifié par les informations de spécification de magasin; et une unité de sortie d'informations liées aux avantages servant à délivrer des informations liées aux avantages.
PCT/JP2017/020649 2016-06-03 2017-06-02 Système d'information, dispositif de carte, dispositif terminal et dispositif serveur WO2017209286A1 (fr)

Priority Applications (6)

Application Number Priority Date Filing Date Title
KR1020187035907A KR102488345B1 (ko) 2016-06-03 2017-06-02 정보 시스템, 카드 장치, 단말 장치, 및 서버 장치
US16/306,846 US11449890B2 (en) 2016-06-03 2017-06-02 Information system, card device, terminal device, and server device
MYPI2018002249A MY189485A (en) 2016-06-03 2017-06-02 Information system, card device, terminal device, and server device
CN201780033092.5A CN109196540B (zh) 2016-06-03 2017-06-02 信息系统、卡装置、终端装置及服务器装置
EP17806836.7A EP3467753A4 (fr) 2016-06-03 2017-06-02 Système d'information, dispositif de carte, dispositif terminal et dispositif serveur
SG11201810741SA SG11201810741SA (en) 2016-06-03 2017-06-02 Information system, card device, terminal device, and server device

Applications Claiming Priority (4)

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JP2016112194 2016-06-03
JP2016-112194 2016-06-03
JP2016-236643 2016-12-06
JP2016236643A JP6621181B2 (ja) 2016-06-03 2016-12-06 情報システム、カード装置、端末装置、サーバ装置、クレジットカード情報処理装置、支援方法、情報処理方法、クレジットカード情報処理方法、およびプログラム

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CN109196540A (zh) 2019-01-11

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