Information processing device, information processing method, and program

Abstract

To solve the problem that a mechanism for supporting a supporter of a user does not exist in the case that the user being a challenged person uses settlement means.SOLUTION: A supporter of a user can be supported when the user uses settlement means by an information processing device 1 including a management information storage part 111 for storing one or more pieces of management information having a settlement means identifier of the settlement means to be used by the user and supporter information having a supporter identifier for identifying a supporter of a challenged person, a use information storage part 112 for storing one or more pieces of use information of settlement means in association with one or more respective settlement means identifiers, an inquiry reception part 125 for receiving an inquiry having the supporter identifier from a supporter terminal 2, a use information acquisition part 136 for acquiring one or more pieces of use information associated with a settlement means identifier to be a pair of the supporter identifier belonging to the inquiry from the use information storage part 112, and a use information transmission part 141 for transmitting the one or more pieces of use information acquired by the use information acquisition part 136 to the supporter terminal 2.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The present invention relates to an information processing device or the like that supports a supporter of a challenged user when the challenged user uses a payment method such as a credit card. Note that the term "challenged" refers to a person with a disability. [Background technology]

[0002] Conventionally, there has been a customer support device that allows a store to provide some kind of support to customers who need assistance from those around them (see Patent Document 1). This customer support device is characterized by having an input unit to which image information of a customer waiting to pay at a store is input, and an output unit that outputs notification instruction information to a notification unit that notifies a store clerk when a recognition unit recognizes that the input image information includes a predetermined mark. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-043635 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in the conventional technology, when a challenged user uses a payment method, there is no mechanism for supporting a supporter of the user. [Means for solving the problem]

[0005] The information processing device of the first invention is an information processing device comprising: a management information storage unit in which one or more management information having a payment method identifier that identifies a payment method used by a challenged user and supporter information having a supporter identifier that identifies a supporter of the challenged user is stored; a usage information storage unit in which one or more usage information regarding the use of a payment method identified by the payment method identifier is stored in correspondence with each of the one or more payment method identifiers; an inquiry receiving unit that receives an inquiry having the supporter identifier from a supporter terminal; a usage information acquisition unit that acquires from the usage information storage unit one or more usage information corresponding to the payment method identifier that pairs with the supporter identifier held by the inquiry; and a usage information sending unit that transmits the one or more usage information acquired by the usage information acquisition unit to the supporter terminal.

[0006] With this configuration, it is possible to provide a supporter of a challenged user with information on the user's payment method usage.

[0007] In addition, in comparison to the first invention, the information processing device of the second invention further comprises an upper limit amount receiving unit that receives from the supporter terminal the upper limit amount corresponding to a payment method identifier, where the management information includes a maximum amount that a user can use, an upper limit amount storage unit that stores the upper limit amount received by the upper limit amount receiving unit in a management information storage unit, in association with the payment method identifier corresponding to the upper limit amount, a payment information receiving unit that receives payment information which is information regarding payment and has a payment method identifier, and a payment processing unit that performs processing for payment using the payment information, and the payment processing unit is an information processing device that does not perform processing for payment if the amount corresponding to the payment information exceeds the upper limit amount paired with the payment method identifier.

[0008] With this configuration, a supporter can set an upper limit on the amount that a challenged user can spend using a payment method.

[0009] In addition, the information processing device of the third invention is an information processing device in which, compared to the second invention, the management information includes an upper limit amount corresponding to each of one or more product conditions, the payment processing unit acquires one or more product attribute values ​​corresponding to the payment information and acquires an upper limit amount corresponding to a product condition with which the one or more product attribute values ​​match, and when the amount corresponding to the payment information exceeds the upper limit amount, no processing for payment is performed.

[0010] With this configuration, a supporter can set an upper limit on the amount that a challenged user can spend using a payment method for each product condition.

[0011] In addition, the information processing device of the fourth invention is an information processing device according to the second or third invention, further comprising a usage information storage unit which acquires usage information corresponding to the payment information received by the payment information receiving unit, the usage information including an amount and a date of use, and stores the usage information in a usage information storage unit in association with a payment method identifier, and a warning information sending unit which sends warning information indicating a warning to a supporter terminal of a supporter identified by a supporter identifier corresponding to the payment method identifier when a difference between the total amount of amounts included in one or more usage information for a specified period and the upper limit amount corresponding to the payment method identifier is within a threshold or is smaller than the threshold, or when a second total amount obtained by adding the total amount and the amount corresponding to the payment information exceeds the upper limit amount.

[0012] With this configuration, when a challenged user uses a payment method and is about to exceed the upper limit amount or attempts to make a payment that exceeds the upper limit amount, the supporter is contacted, which provides peace of mind to the supporter.

[0013] In addition, the information processing device of the fifth invention is an information processing device that, compared to the first invention, further includes a location information receiving unit that receives location information corresponding to a payment method identifier, which is location information of a terminal corresponding to a payment method, and a location information notification unit that transmits the location information to a supporter notification destination, which is a notification destination of a supporter identified by a supporter identifier corresponding to the payment method identifier.

[0014] With this configuration, the location information of the payment method used by the challenged user can be notified to the supporter.

[0015] In addition, the information processing device of the sixth invention, compared to the fifth invention, further includes a judgment unit that judges whether a second total amount, which is the sum of the total amount of amounts included in one or more pieces of usage information for a specified period and the amount corresponding to the payment information, exceeds an upper limit amount, and the location information notification unit is an information processing device that transmits location information to the supporter notification destination when the judgment unit judges that the second total amount exceeds the upper limit amount.

[0016] With this configuration, when a challenged user attempts to use a payment method beyond the upper limit, the location information of the payment method can be notified to the supporter.

[0017] In addition, the information processing device of the seventh invention is an information processing device that, compared to the first invention, further includes a report information acquisition unit that acquires one or more pieces of usage information corresponding to one payment method identifier and acquires report information based on the one or more pieces of usage information, and a report information sending unit that sends the report information to a supporter terminal of a supporter identified by a supporter identifier corresponding to the one payment method identifier.

[0018] With this configuration, report information can be sent to a supporter of a challenged user to report the user's use of a payment method.

[0019] In addition, the information processing device of the eighth invention, compared to the seventh invention, further comprises a support information receiving unit that receives support information corresponding to a payment method identifier, the support information including information about a person who assisted the user in using a payment method, and a support information storage unit that associates the support information with the payment method identifier and stores it in the usage information storage unit, and the report information acquisition unit is an information processing device that acquires report information including the support information.

[0020] With this configuration, support information regarding the supporter who assisted the challenged user in using the user's payment method can be transmitted to the supporter of the challenged user.

[0021] In addition, the information processing device of the ninth invention is an information processing device in which, compared to the eighth invention, the support information is one or more of the following information: an identifier of the store clerk who used the payment means, the voice of the store clerk at the time of providing support, or a video recorded at the time of providing support.

[0022] With this configuration, appropriate support information regarding the supporter who assisted the challenged user in using the user's payment method can be transmitted to the supporter of the challenged user.

[0023] Further, in an information processing device of the tenth invention, in relation to the eighth or ninth invention, the support information receiving unit is an information processing device that receives support information from a user terminal of a user or a store device.

[0024] With this configuration, appropriate support information regarding the supporter who assisted the challenged user in using the user's payment method can be transmitted to the supporter of the challenged user.

[0025] In addition, in the information processing device of the eleventh aspect of the present invention, in relation to the first aspect of the present invention, the usage information acquisition unit The received purchase information is purchase information regarding the purchase of a product, and usage information, which is reassurance information to reassure supporters of the challenged, is acquired using the received purchase information, and the usage information sending unit is an information processing device that transmits the reassurance information acquired by the usage information acquisition unit to the supporter terminal.

[0026] This configuration can reassure supporters of challenged users. Effect of the Invention

[0027] According to the information processing device of the present invention, when a challenged user uses a payment means, it is possible to support the supporter of the user. [Brief description of the drawings]

[0028] [Figure 1] Conceptual diagram of information system A in embodiment 1. [Diagram 2] Block diagram of Information System A [Diagram 3] Block diagram of the information processing device 1 [Figure 4] A flowchart illustrating an example of the operation of the information processing device 1. [Diagram 5] A flowchart illustrating an example of the operation of the information processing device 1. [Figure 6] A flowchart for explaining an example of the operation of the supporter terminal 2 [Figure 7] A flowchart for explaining an example of the operation of the user terminal 3. [Figure 8] FIG. 2 shows the management information management table. [Figure 9] A diagram showing the usage information management table [Figure 10] A diagram showing the location management table [Figure 11] A diagram showing an example of the output [Figure 12] A diagram showing an example of the output [Figure 13] Overview of the computer system [Figure 14] Block diagram of the computer system DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0029] Hereinafter, an embodiment of an information processing device and the like will be described with reference to the drawings. Note that, in the embodiments, components with the same reference numerals perform similar operations, and therefore repeated description may be omitted.

[0030] (Embodiment 1) In this embodiment, an information processing device is described that provides a supporter of a challenged user with usage information regarding the use of a payment method. The payment method is a method that can be used when making a purchase. The payment method is a method other than cash. The payment method is, for example, a credit card, electronic money, or a point card. However, the type of the payment method is not important.

[0031] In addition, in this embodiment, an information processing device that allows a supporter to set an upper limit amount when a user uses a payment method will be described.

[0032] In addition, in this embodiment, an information processing device that allows a supporter to set an upper limit amount for each product condition when the user uses a payment method will be described.

[0033] In addition, in this embodiment, an information processing device is described that notifies a supporter of a situation when the user's use of a payment means is about to exceed the upper limit amount, or when the user is about to use a payment means beyond the upper limit amount.

[0034] In addition, in this embodiment, an information processing device that transmits location information of the payment method used by the user to the supporter will be described.

[0035] In this embodiment, an information processing device that transmits, to a supporter, location information of a payment method used by a user when the user attempts to use a payment method exceeding an upper limit amount will be described.

[0036] Furthermore, in this embodiment, an information processing device that transmits report information regarding the use of a payment method to a supporter terminal will be described. Also, in this embodiment, a case where the report information includes support information for support provided when the payment method is used will be described.

[0037] In this specification, information X being associated with information Y means that information Y can be obtained from information X, or information X can be obtained from information Y, and the method of association is not important. Information X and information Y may be linked, may exist in the same buffer, information X may be included in information Y, or information Y may be included in information X, etc.

[0038] 1 is a conceptual diagram of an information system A according to the present embodiment. The information system A includes an information processing device 1, one or more supporter terminals 2, one or more user terminals 3, and one or more store devices 4.

[0039] The information processing device 1 is a device that supports a supporter of a challenged user when the challenged user uses a payment method. The information processing device 1 is a server here. The information processing device 1 is, for example, a cloud server, an ASP server, or the like, but the type is not important.

[0040] The supporter terminal 2 is a terminal used by a supporter of a user. A supporter is a person who supports the challenged. A supporter may be considered as a person who also protects the challenged. A supporter may also be called a watcher or assistant. A supporter is, for example, a guardian or a caregiver of the user. The user terminal 3 is a terminal used by a user who is challenged.

[0041] The supporter terminal 2 and the user terminal 3 are, for example, so-called personal computers, tablet terminals, smartphones, etc., and the types thereof are not important.

[0042] The in-store device 4 is a device used in a store. The in-store device 4 may be a device used by a store clerk, a device installed in the store, or a server used by the store. The in-store device 4 may be, for example, a so-called personal computer, a tablet terminal, a smartphone, or the like, and the type is not important. The in-store device 4 may be, for example, a server, a cloud server, an ASP server, or the like.

[0043] Fig. 2 is a block diagram of an information system A according to the present embodiment, and Fig. 3 is a block diagram of an information processing device 1.

[0044] The information processing device 1 includes a storage unit 11, a receiving unit 12, a processing unit 13, and a transmitting unit 14. The storage unit 11 includes a management information storage unit 111 and a usage information storage unit 112. The receiving unit 12 includes an upper limit amount receiving unit 121, a payment information receiving unit 122, a support information receiving unit 123, a location information receiving unit 124, and an inquiry receiving unit 125. The processing unit 13 includes an upper limit amount accumulation unit 131, a determination unit 132, a payment processing unit 133, a usage information accumulation unit 134, a support information accumulation unit 135, a usage information acquisition unit 136, and a report information acquisition unit 137. The transmitting unit 14 includes a usage information transmission unit 141, a warning information transmission unit 142, a location information notification unit 143, and a report information transmission unit 144.

[0045] The supporter terminal 2 includes a supporter storage unit 21, a supporter receiving unit 22, a supporter processing unit 23, a supporter transmitting unit 24, a supporter receiving unit 25, and a supporter output unit 26.

[0046] The user terminal 3 includes a user storage unit 31, a user reception unit 32, a user processing unit 33, a user transmission unit , a user reception unit 35, and a user output unit .

[0047] Various types of information are stored in the storage unit 11 constituting the information processing device 1. The various types of information are, for example, management information (to be described later), usage information (to be described later), and location information (to be described later).

[0048] The location information is information that specifies the location of the user. The user's location may be the location of the user terminal 3. The location information is, for example, (latitude, longitude), but may be data of another structure that specifies the user's location.

[0049] The management information storage unit 111 stores one or more pieces of management information. The management information is information for managing payment methods and supporters. The management information includes a payment method identifier and supporter information. The management information may also include user information. The management information includes, for example, an upper limit amount.

[0050] The payment method identifier is information that identifies a payment method. For example, the payment method identifier is a credit card number, an electronic money application ID, or a point card ID.

[0051] Supporter information is information about a supporter. Supporter information includes, for example, a supporter identifier and a supporter notification destination. Supporter identifier is information that identifies a supporter. Supporter identifier is, for example, a supporter's ID, telephone number, email address, and supporter terminal identifier. Supporter terminal identifier is information that identifies supporter terminal 2. Supporter terminal identifier is, for example, an IP address of supporter terminal 2. Supporter notification destination is information used to notify a supporter of information. Supporter notification destination is, for example, an email address, telephone number, and a user ID of an app through which the supporter obtains information.

[0052] User information is information about a user. User information includes, for example, a user identifier. A user identifier is information for identifying a user. A user identifier is, for example, a user ID, a user name, a phone number, a credit card number, or an electronic money application ID.

[0053] The upper limit amount is the upper limit amount that a user can use. The upper limit amount is, for example, the upper limit amount of one product to be purchased, the upper limit amount of one shopping, or the upper limit amount of shopping using a payment method for a specified period such as one month or one year. The upper limit amount is, for example, the upper limit amount that a user can use from the 1st to the end of each month. The upper limit amount is, for example, the upper limit amount that a user can use from the 11th of a month to the 10th of the following month. The management information includes, for example, one or more upper limit amounts, and each of the one or more upper limit amounts may correspond to a product condition. The product condition is a condition related to the product to be purchased. The product condition is, for example, a condition related to one or more product attribute values. The product attribute value is, for example, the type of product, the price range of the product, and the size of the product. The product may be not only an article but also a service. The product may be anything that can be purchased.

[0054] The usage information storage unit 112 stores one or more pieces of usage information. The usage information is information related to the use of a payment method identified by a payment method identifier. The usage information is, for example, purchase information. The purchase information is information related to the purchase of a product. The purchase information includes, for example, product information of the purchased product, store information of the store where the purchase was made, and a usage date indicating the date of purchase. The product information includes, for example, a product identifier and a quantity. The product information includes, for example, type information that identifies the type of product, and the number of types of products purchased. The product identifier is information that identifies a product. The product identifier is, for example, a product ID and a product name. The store information is information related to a store. The store information includes, for example, a store identifier, and one or more store attribute values. The store identifier is information that identifies a store. The store identifier is, for example, a store ID and a store name. The store attribute value is an attribute value of a store. The store attribute value is, for example, a store address, store location information, and store size information. The store location information is location information of a store. Location information is information that identifies a location. The location information is usually (latitude, longitude), but may be an address or part of an address (for example, up to the name of the city, town, or village). The store size information is information that specifies the size of the store, for example, "large," "medium," "small," and the area.

[0055] The usage information, which is information related to the use of the payment method, may be information that can be obtained when the payment method is used. In other words, the usage information may be information based on purchase information. Such usage information is, for example, safety information.

[0056] The reassurance information is information for reassuring the supporter of the challenged. The reassurance information is, for example, information indicating that the time from entering the store to completing shopping is gradually getting shorter, information indicating that the challenged is able to shop alone without the assistance of a store clerk, information indicating that although the shopping took a long time this time, there is no need to worry because the customer bought multiple items, information indicating that the store is large so there is no need to worry even if the shopping takes a long time, and information indicating that there is no need to worry even if the shopping takes a long time because there is no store clerk to support the customer. The reassurance information is information regarding the supporter watching over the challenged, and may be called monitoring information. If the reassurance information is information indicating the growth of the challenged, the reassurance information may be called challenged growth information. If the reassurance information is information indicating that the challenged can make payments alone, the reassurance information may be called payment independence information.

[0057] The receiving unit 12 receives various instructions and information, such as the maximum price, product conditions and the maximum price, payment information (to be described later), support information (to be described later), location information, and inquiries (to be described later).

[0058] The upper limit amount receiving unit 121 receives the upper limit amount associated with the payment method identifier from the supporter terminal 2. The upper limit amount receiving unit 121 may receive the product conditions and the upper limit amount from the supporter terminal 2.

[0059] The payment information receiving unit 122 receives payment information. For example, the payment information receiving unit 122 receives payment information from the user terminal 3 or the in-store device 4. The payment information is information related to payment and has a payment method identifier. The payment information has, for example, an amount, a product identifier, and a quantity. The payment information has, for example, a store identifier. The payment information received by the payment information receiving unit 122 is, for example, information before payment.

[0060] The support information receiving unit 123 receives support information. For example, the support information receiving unit 123 receives the support information from the user terminal 3 or the store device 4. Note that the support information may be considered to be included in the report information described below. The support information received by the support information receiving unit 123 is usually associated with a payment method identifier or a user identifier.

[0061] Assistance information is information that includes information about a person who assists a user when using a payment method. Assistance information corresponds to a payment method identifier. Assistance information includes, for example, store information, clerk information, and a date. Store information is information about the store where the user shops. Store information includes, for example, a store identifier, location information that identifies the store's location, and the store's address. Clerk information is information about a clerk who assists the user with their shopping. Clerk information includes, for example, a clerk identifier. A clerk identifier is information that identifies a clerk. A clerk identifier is, for example, the name of the clerk or the clerk's ID.

[0062] The assistance information is, for example, one or more of the following information: a store clerk identifier of the store clerk who used the payment method, the voice of the store clerk when providing assistance, or a video recorded when providing assistance.

[0063] The location information receiving unit 124 receives location information that is the location information of a terminal corresponding to a payment method and corresponds to a payment method identifier. The terminal corresponding to a payment method is, for example, a credit card or a user terminal 3. The location information received by the location information receiving unit 124 can be said to be information that specifies the location of a user making a purchase.

[0064] The inquiry receiving unit 125 receives an inquiry from the supporter terminal 2. The inquiry can be said to be a query for acquiring usage information. The inquiry can be said to be a query for acquiring report information, which will be described later. The inquiry usually includes a supporter identifier. The inquiry may also include a user identifier or a payment method identifier.

[0065] The processing unit 13 performs various types of processing. The various types of processing are, for example, processing performed by an upper limit amount storage unit 131, a determination unit 132, a payment processing unit 133, a usage information storage unit 134, a support information storage unit 135, a usage information acquisition unit 136, and a report information acquisition unit 137.

[0066] The processing unit 13 may use the store information received at the time the challenged person enters the store to obtain information indicating whether or not the store is a store where the challenged person can shop with confidence.

[0067] The upper limit amount accumulation unit 131 accumulates the upper limit amount received by the upper limit amount receiving unit 121 in the management information storage unit 111 in association with the payment method identifier corresponding to the upper limit amount. The upper limit amount accumulation unit 131 accumulates, for example, the upper limit amount and product conditions received by the upper limit amount receiving unit 121 in association with the payment method identifier corresponding to the upper limit amount in the management information storage unit 111.

[0068] It is preferable that the upper limit amount storage unit 131 does not store the upper limit amount when the upper limit amount received by the upper limit amount receiving unit 121 is the upper limit amount transmitted from the user terminal 3. In other words, it is preferable that the user cannot store or update the upper limit amount.

[0069] The judgment unit 132 judges whether the amount included in the usage information satisfies the amount condition. The amount condition is a condition related to the upper limit amount. The amount condition is a condition related to the upper limit amount of one product to be purchased, a condition related to the upper limit amount of one purchase, or a condition related to the upper limit amount of purchases using a payment method in a specified period.

[0070] The judgment unit 132, for example, obtains an amount condition that pairs with a product condition that matches one or more product attribute values ​​for the product information included in the usage information, and judges whether the amount included in the usage information or a total amount including that amount satisfies the amount condition.

[0071] The judgment unit 132 judges, for example, whether the second total amount exceeds the upper limit amount. The second total amount is the sum of the total amount included in one or more pieces of usage information for a predetermined period corresponding to one payment identifier and the amount corresponding to the received payment information which is the payment information corresponding to the one payment identifier. The amount corresponding to the payment information is, for example, the amount contained in the payment information, or the amount paired with the product identifier contained in the payment information. The amount paired with the product identifier is, for example, information acquired from a product database (not shown) which contains one or more pieces of product information each having a product identifier and an amount.

[0072] The determination unit 132 determines, for example, whether or not the price of one product included in the usage information exceeds the upper limit price of one product.

[0073] The determination unit 132 determines, for example, whether the total price of one or more products included in the usage information for one use of a payment method exceeds the upper limit price for one shopping transaction.

[0074] The payment processing unit 133 performs payment processing using the received payment information. The payment processing is processing for payment. For example, the payment processing is processing for charging. For example, the payment processing is processing for supporting payment by sending information having a payment method identifier and an amount to a payment server (not shown). The content of the payment processing is not important as long as it is processing for payment.

[0075] The payment processing unit 133 does not perform processing for payment, for example, if the amount corresponding to the received payment information exceeds the upper limit amount paired with the payment method identifier. The payment processing unit 133 does not perform processing for payment, for example, if a second total amount, which is the sum of the total amount of amounts held by one or more payment information for a predetermined period and the amount corresponding to the received payment information, exceeds the upper limit amount. The amount corresponding to the received payment information is, for example, the second total amount, the amount of one product, or the amount of one payment.

[0076] The payment processing unit 133 does not perform the payment process, for example, when the amount corresponding to the payment information exceeds the upper limit amount corresponding to the product condition that matches one or more product attribute values ​​corresponding to the payment information. The payment processing unit 133 does not perform the payment process, for example, when the second total amount exceeds the upper limit amount corresponding to the product condition that matches one or more product attribute values ​​corresponding to the payment information.

[0077] The usage information accumulation unit 134 acquires usage information corresponding to the payment information received by the payment information receiving unit 122, including the amount and the date of use, and accumulates the usage information in the usage information storage unit 112 in association with the payment method identifier. The date of use is the date on which the payment method was used. The usage information here is usually purchase information.

[0078] The support information accumulation unit 135 associates the support information received by the support information receiving unit 123 with the payment method identifier and accumulates it in the usage information storage unit 112. The support information accumulation unit 135 accumulates the support information in the usage information storage unit 112 in association with the payment method identifier paired with the support information received by the support information receiving unit 123, or with the payment method identifier paired with the user identifier paired with the support information received by the support information receiving unit 123.

[0079] The usage information acquisition unit 136 acquires one or more pieces of usage information. The usage information acquisition unit 136 acquires one or more pieces of usage information from the usage information storage unit 112. The usage information acquisition unit 136 acquires, for example, one or more pieces of usage information corresponding to a payment method identifier paired with a supporter identifier included in the inquiry from the usage information storage unit 112. The usage information acquisition unit 136 acquires, for example, one or more pieces of usage information corresponding to a payment method identifier paired with a user identifier included in the inquiry from the usage information storage unit 112.

[0080] The usage information acquisition unit 136, for example, acquires and accumulates the time (shopping time) from when the challenged enters the store to when he / she makes a payment. In addition, the usage information acquisition unit 136 acquires, for example, the shopping time, acquires the shopping time that is one or more past shopping times and is stored, compares the current shopping time with the past shopping time, and if it determines that the current shopping time is shorter than the past shopping time so as to satisfy a predetermined condition (for example, "current shopping time-past shopping time>0"), acquires reassurance information that the time from when the challenged enters the store to when the shopping is completed is gradually shortening. Note that the receiving unit 12 receives, for example, information indicating that the challenged has entered the store and information indicating that a payment has been made, and the usage information acquisition unit 136 acquires the shopping time, which is the difference in time between when the two pieces of information are received. In addition, the receiving unit 12 receives the shopping time from, for example, the user terminal 3 or the store device 4.

[0081] The receiving unit 12 receives, for example, information specifying the presence or absence of a store clerk who can assist. The receiving unit 12 receives such information, for example, from the user terminal 3 or the store device 4. For example, when the receiving unit 12 receives "information indicating that there is no store clerk who can assist," or when it does not receive "information specifying that there is a store clerk who can assist" by the time of payment, and when information indicating that payment has been made is received, the usage information acquisition unit 136 acquires reassurance information indicating that the challenged person is now able to shop alone without the assistance of a store clerk.

[0082] For example, when the usage information acquisition unit 136 determines that the current shopping time is equal to or longer than a threshold value, or determines that the current shopping time is long enough to satisfy a predetermined condition compared to past shopping time (for example, "current shopping time - past shopping time <= 0"), and if the number of types of products purchased is equal to or greater than a threshold value from the received purchase information, it acquires reassuring information indicating that although the shopping took a long time this time, there is no need to worry because multiple types of products were purchased.

[0083] For example, when the usage information acquisition unit 136 determines that the current shopping time is equal to or greater than the threshold value or is longer than the threshold value, or when the usage information acquisition unit 136 determines that the current shopping time is long enough to satisfy a predetermined condition compared to the past shopping time (for example, "current shopping time-past shopping time<=0"), the usage information acquisition unit 136 determines that the store size information is large enough to satisfy a predetermined condition (for example, Xm 2 In the case of "large" above, reassuring information is obtained indicating that the store is large, so there is no need to worry even if shopping takes a long time.

[0084] For example, when the usage information acquisition unit 136 determines that the current shopping time is equal to or longer than a threshold value, or determines that the current shopping time is long enough to satisfy a predetermined condition compared to past shopping time (for example, "current shopping time-past shopping time<=0"), and determines that there was no store clerk available to assist, it acquires reassuring information indicating that there is no need to worry even if shopping takes a long time because there was no store clerk available to assist.

[0085] The report information acquisition unit 137, for example, acquires one or more pieces of usage information corresponding to one payment method identifier, and acquires report information based on the one or more pieces of usage information. The report information is, for example, a collection of one or more pieces of usage information. The report information includes, for example, support information. The report information acquisition unit 137 acquires, for example, report information including the support information received by the support information receiving unit 123.

[0086] The report information acquiring unit 137 acquires, for example, report information based on one or more pieces of usage information acquired by the usage information acquiring unit 136 .

[0087] The one or more pieces of usage information acquired by the report information acquisition unit 137 are usually usage information for a certain period of time. The certain period of time is, for example, from a certain day (for example, the 11th) of one month, this month, or last month to today.

[0088] The transmitting unit 14 transmits various types of information, such as usage information, warning information (described later), position information, and report information.

[0089] The transmission unit 14 may transmit to the supporter terminal 2 the “information indicating whether or not the store where the challenged entered is a store where the challenged can shop with confidence” acquired by the processing unit 13.

[0090] The usage information sending unit 141 sends one or more pieces of usage information acquired by the usage information acquisition unit 136 to the supporter terminal 2. This supporter terminal 2 is the supporter terminal 2 of the supporter identified by the supporter identifier paired with the payment method identifier paired with the one or more pieces of usage information. This supporter terminal 2 is the supporter terminal 2 that sent the inquiry.

[0091] The warning information transmitting unit 142 transmits warning information indicative of a warning to the supporter terminal 2 when the warning condition is satisfied.

[0092] The caution condition is, for example, that the judgment unit 132 judges that the amount condition is not satisfied (the upper limit is exceeded). The caution condition is, for example, that the difference between the total amount included in one or more pieces of usage information for a specified period and the upper limit amount corresponding to the payment method identifier is within or less than a threshold, or that a second total amount obtained by adding the total amount and the amount corresponding to the payment information exceeds the upper limit amount. The specified period is, for example, one month, from the 1st of the current month to today.

[0093] The supporter terminal 2 to which the warning information is sent is the supporter terminal 2 of the supporter identified by the supporter identifier that corresponds to the payment method identifier.

[0094] The location information notification unit 143 transmits the location information received by the location information receiving unit 124 to a supporter notification destination that is a notification destination of the supporter identified by the supporter identifier associated with the payment method identifier.

[0095] It is preferable that the location information notification unit 143 transmits location information when the location notification condition is satisfied. For example, the location notification condition is that the determination unit 132 has determined that the amount condition is not satisfied (exceeds the upper limit). For example, the location notification condition is that the payment information receiving unit 122 has received payment information.

[0096] The report information transmitting unit 144 transmits the report information acquired by the report information acquiring unit 137 to the supporter terminal 2 of the supporter identified by the supporter identifier corresponding to one payment method identifier. It is preferable that the report information transmitting unit 144 automatically transmits the report information.

[0097] The report information transmitting unit 144 normally transmits on a predetermined day. The predetermined day is, for example, the end of the month or a fixed day of the month (for example, the 10th). The report information transmitting unit 144 may transmit report information, which is usage information at the time of use, each time the user uses a payment method. There is no limit to the trigger or timing for the report information transmitting unit 144 to transmit the report information. The report information transmitting unit 144 may transmit report information including support information each time the user uses a payment method or each time the support information receiving unit 123 receives support information.

[0098] Various types of information are stored in the supporter storage unit 21 constituting the supporter terminal 2. The various types of information are, for example, supporter identifiers.

[0099] The supporter receiving unit 22 receives various information, instructions, etc. The various information, instructions, etc. are, for example, an upper limit price, an upper limit price and product conditions, or an inquiry.

[0100] The means for inputting various information and instructions may be any means, such as a touch panel, a keyboard, a mouse, or a menu screen.

[0101] The supporter processing unit 23 performs various processes. For example, the various processes are processes that convert received information, instructions, etc. into information or instructions with a structure to be sent. For example, the various processes are processes that convert received information into information with a structure to be output.

[0102] The supporter transmitting unit 24 transmits various information, instructions, etc. to the information processing device 1. The various information, instructions, etc. are, for example, the upper limit amount, the upper limit amount and product conditions, or an inquiry.

[0103] The supporter receiving unit 25 receives various information and instructions. For example, the various information and instructions are These are usage information, warning information, location information, and report information.

[0104] The supporter output unit 26 outputs various types of information, such as usage information, warning information, position information, and report information.

[0105] Here, output is a concept that includes display on a display, projection using a projector, printing on a printer, sound output, transmission to an external device, storage on a recording medium, and handing over the processing results to other processing devices or other programs, etc.

[0106] Various types of information are stored in the user storage unit 31 constituting the user terminal 3. The various types of information are, for example, user identifiers.

[0107] The user reception unit 32 receives various information, instructions, etc. The various information, instructions, etc. may be called input. The input is, for example, a voice, an image, or a touch. The input is, for example, a payment instruction, sound information, or a video.

[0108] The means for inputting various information and instructions may be anything, such as a touch panel, keyboard, mouse, menu screen, microphone, or camera.

[0109] The user processing unit 33 performs various types of processing. For example, the various types of processing are processing for converting received information, instructions, etc. into information, instructions, etc. with a structure to be transmitted. For example, the various types of processing are processing for converting received information into information with a structure to be output.

[0110] The user transmission unit 34 transmits various information, instructions, etc. to the information processing device 1. The various information, instructions, etc. are, for example, a payment instruction, sound information, or video.

[0111] The user receiving unit 35 receives various types of information, instructions, and the like.

[0112] The user output unit 36 ​​outputs various types of information. For example, the user output unit 36 ​​outputs information received by the user receiving unit 35.

[0113] Here, output usually means display on a display, but it may also be a concept that includes projection using a projector, printing on a printer, sound output, transmission to an external device, storage on a recording medium, and handing over the processing results to other processing devices or other programs.

[0114] The in-store device 4 transmits, for example, sound information and / or video to the information processing device 1. The in-store device 4 transmits, for example, a payment instruction to the information processing device 1.

[0115] The storage unit 11, the management information storage unit 111, the usage information storage unit 112, the supporter storage unit 21, and the user storage unit 31 are preferably non-volatile recording media, but may also be realized as volatile recording media.

[0116] There is no restriction on the process by which information is stored in the storage unit 11, etc. For example, information may be stored in the storage unit 11, etc. via a recording medium, information transmitted via a communication line, etc. may be stored in the storage unit 11, etc., or information inputted via an input device may be stored in the storage unit 11, etc.

[0117] The receiving unit 12, the upper limit amount receiving unit 121, the payment information receiving unit 122, the support information receiving unit 123, the location information receiving unit 124, the inquiry receiving unit 125, the supporter receiving unit 25, and the user receiving unit 35 are typically realized by wireless or wired communication means, but may also be realized by means of receiving broadcasts.

[0118] The processing unit 13, the upper limit amount accumulation unit 131, the judgment unit 132, the payment processing unit 133, the usage information accumulation unit 134, the support information accumulation unit 135, the usage information acquisition unit 136, the report information acquisition unit 137, the supporter processing unit 23, and the user processing unit 33 can usually be realized by a processor, a memory, etc. The processing procedure of the processing unit 13, etc. is usually realized by software, and the software is recorded in a recording medium such as a ROM. However, it may also be realized by hardware (dedicated circuit). The processor is a CPU, MPU, GPU, etc., and the type is not important.

[0119] The transmitting unit 14, the usage information transmitting unit 141, the warning information transmitting unit 142, the location information notification unit 143, the report information transmitting unit 144, the supporter transmitting unit 24, and the user transmitting unit 34 are typically realized by wireless or wired communication means, but may also be realized by broadcasting means.

[0120] The supporter receiving unit 22 and the user receiving unit 32 can be realized by a device driver for an input means such as a touch panel or a keyboard, or control software for a menu screen.

[0121] The supporter output unit 26 and the user output unit 36 ​​may or may not include output devices such as a display and a speaker. The supporter output unit 26 can be realized by driver software for an output device, or driver software for an output device and an output device, etc.

[0122] Next, an example of the operation of the information processing device 1 will be described with reference to the flowcharts of FIGS.

[0123] (Step S401) The upper limit amount receiving unit 121 judges whether or not the upper limit amount etc. have been received from the supporter terminal 2. If the upper limit amount etc. have been received, the process proceeds to step S402, and if the upper limit amount etc. have not been received, the process proceeds to step S407. The upper limit amount etc. is, for example, the upper limit amount, or the upper limit amount and product conditions. The upper limit amount etc. received by the upper limit amount receiving unit 121 is usually associated with a payment method identifier and a supporter identifier.

[0124] (Step S402) The upper limit amount storage unit 131 acquires a supporter identifier associated with the upper limit amount, etc. received in step S401.

[0125] (Step S403) The upper limit amount accumulating unit 131 acquires the payment method identifier associated with the upper limit amount etc. received in step S401.

[0126] (Step S404) The upper limit amount accumulation unit 131 judges whether or not the payment method identifier was acquired in step S403. If the payment method identifier was acquired, the process proceeds to step S405, and if the payment method identifier was not acquired, the process proceeds to step S406. Note that if the payment method identifier cannot be acquired, for example, the payment method identifier corresponding to the supporter identifier is not stored in the management information storage unit 111.

[0127] (Step S405) The upper limit amount accumulation unit 131 accumulates the upper limit amount, etc. received in step S401 in the management information storage unit 111 in association with the supporter identifier acquired in step S402 and the payment method identifier acquired in step S403. Return to step S401. Note that if the upper limit amount, etc. paired with the payment method identifier acquired in step S403 already exists, the upper limit amount, etc. received in step S401 is updated.

[0128] (Step S406) The transmitting unit 14 transmits an error message to the supporter terminal 2 that transmitted the upper limit amount, etc. Return to step S401.

[0129] (Step S407) The payment information receiving unit 122 judges whether or not payment information, etc. has been received from the user terminal 3 or the in-store device 4. If payment information, etc. has been received, the process proceeds to step S408, and if payment information, etc. has not been received, the process proceeds to step S421. The payment information, etc. includes, for example, a payment method identifier, a product identifier, an amount, a quantity, a product type identifier, and a date of use.

[0130] (Step S408) The judgment unit 132 acquires the payment method identifier associated with the payment information received in step S407.

[0131] (Step S409) The determination unit 132 obtains the upper limit amount corresponding to the payment method identifier obtained in step S408 from the management information storage unit 111. Note that the determination unit 132 may obtain, for example, one or more product attribute values ​​(e.g., product type) contained in the payment information, and obtain from the management information storage unit 111 the upper limit amount paired with the product conditions that match the payment method identifier and the one or more product attribute values.

[0132] (Step S410) The judgment unit 132 judges whether or not the upper limit amount was acquired in step S409. If the upper limit amount was acquired, the process proceeds to step S411, and if the upper limit amount was not acquired, the process proceeds to step S415.

[0133] (Step S411) The judgment unit 132 obtains the total amount, which is the sum of the amounts included in one or more pieces of usage information to be checked. The one or more pieces of usage information to be checked are one or more pieces of usage information corresponding to the payment method identifier obtained in step S408, and are one or more pieces of usage information for the period to be compared with the upper limit amount.

[0134] (Step S412) The judgment unit 132 acquires the amount (amount to be paid) corresponding to the payment information received in step S407.

[0135] (Step S413) The determination unit 132 adds the total amount acquired in step S411 and the amount acquired in step S412 to calculate a second total amount.

[0136] (Step S414) The judgment unit 132 judges whether or not the second total amount acquired in step S413 exceeds the upper limit amount. If it does not exceed the upper limit amount, the process proceeds to step S415, and if it does exceed the upper limit amount, the process proceeds to step S419.

[0137] (Step S415) The payment processing unit 133 performs a payment process.

[0138] (Step S416) The usage information accumulation unit 134 configures usage information using the payment information received in step S407. The usage information accumulation unit 134 accumulates the usage information in the usage information storage unit 112. The usage information includes, for example, a usage date, a payment method identifier, a product identifier, an amount, a quantity, and a product type identifier.

[0139] (Step S417) The processing unit 13 judges whether or not to send the usage information accumulated in step S416 to the supporter. If it is to be sent to the supporter, the process proceeds to step S418, and if it is not to be sent to the supporter, the process returns to step S401. Note that the processing unit 13 judges to send the usage information to the supporter when, for example, the usage information sending flag "ON" is stored in the management information storage unit 111 in a pair with the payment method identifier. The processing unit 13 may always judge to send the usage information to the supporter.

[0140] (Step S418) The use information transmission unit 141 acquires the supporter notification destination paired with the payment method identifier corresponding to the payment information received in step S407 from the management information storage unit 111. Next, the use information transmission unit 141 transmits the use information accumulated in step S416 to the notification destination indicated by the supporter notification destination. Return to step S401.

[0141] (Step S419) The processing unit 13 acquires the user identifier corresponding to the payment information received in step S407. Next, the processing unit 13 acquires from the storage unit 11 the location information paired with the user identifier.

[0142] (Step S420) The location information notification unit 143 acquires a supporter notification destination paired with the payment method identifier corresponding to the payment information received in step S407 from the management information storage unit 111. Next, the location information notification unit 143 transmits the location information acquired in step S419 to the notification destination indicated by the supporter notification destination. Return to step S401.

[0143] (Step S421) The support information receiving unit 123 judges whether or not support information has been received from the user terminal 3 or the store device 4. If support information has been received, the process proceeds to step S422, and if support information has not been received, the process proceeds to step S426. Note that the support information is associated with, for example, a payment method identifier or a user identifier.

[0144] (Step S422) The support information accumulation unit 135 acquires a payment method identifier corresponding to the support information received in step S421. For example, the support information accumulation unit 135 acquires, from the management information storage unit 111, a payment method identifier paired with the user identifier corresponding to the support information received in step S421.

[0145] (Step S423) The support information accumulation unit 135 accumulates the support information received in step S421 in the usage information storage unit 112 in association with the payment method identifier acquired in step S422. Note that the support information includes, for example, the date and time of use, store information, audio information, and video. Note that the date and time of use is the date and time of use of the payment method.

[0146] (Step S424) The processing unit 13 judges whether or not to send the support information accumulated in step S423 to the supporter. If it is to be sent to the supporter, the process proceeds to step S425, and if it is not to be sent to the supporter, the process returns to step S401. Note that the processing unit 13 judges to send the support information to the supporter when, for example, the support information sending flag "ON" is stored in the management information storage unit 111 in a pair with the payment method identifier. The processing unit 13 may always judge to send the support information to the supporter.

[0147] (Step S425) The use information transmitting unit 141 acquires a supporter notification destination paired with the user identifier corresponding to the support information received in step S421 from the management information storage unit 111. Next, the use information transmitting unit 141 transmits the support information accumulated in step S423 to the notification destination indicated by the supporter notification destination. Return to step S401.

[0148] (Step S426) The location information receiving unit 124 judges whether or not location information has been received from the user terminal 3. If location information has been received, the process proceeds to step S427, and if location information has not been received, the process proceeds to step S429. Note that the location information is associated with, for example, a user identifier or a payment means identifier.

[0149] (Step S427) The processing unit 13 acquires a user identifier corresponding to the location information.

[0150] (Step S428) The processing unit 13 stores the received location information, etc. in the storage unit 11 in association with the user identifier. Return to step S401. Note that the location information, etc. may be only the location information, or may be the location information and the date and time or the date, etc.

[0151] (Step S429) The inquiry receiving unit 125 judges whether or not an inquiry has been received from the supporter terminal 2. If an inquiry has been received, the process proceeds to step S430, and if an inquiry has not been received, the process returns to step S401.

[0152] (Step S430) The usage information acquisition unit 136 acquires the supporter identifier corresponding to the inquiry.

[0153] (Step S431) The use information acquisition unit 136 acquires from the use information storage unit 112 one or more pieces of use information paired with the supporter identifier acquired in step S430.

[0154] (Step S432) The report information acquisition unit 137 configures report information using one or more pieces of usage information acquired in step S431.

[0155] (Step S433) The report information transmitting unit 144 transmits the report information constructed in step S432 to the supporter terminal 2 that has transmitted the inquiry. Return to step S401.

[0156] In the flowcharts of FIG. 4 and FIG. 5, the process ends when the power is turned off or an interrupt is issued to end the process.

[0157] Next, an example of the operation of the supporter terminal 2 will be described with reference to the flowchart of FIG.

[0158] (Step S601) The supporter reception unit 22 judges whether the upper limit amount, etc. have been received. If the upper limit amount, etc. have been received, the process proceeds to step S602. If the upper limit amount, etc. have not been received, the process proceeds to step S603. The upper limit amount, etc. usually includes the upper limit amount and a payment method identifier. The upper limit amount, etc. may also include product conditions.

[0159] (Step S602) The supporter processing unit 23 acquires a supporter identifier from the supporter storage unit 21. The supporter processing unit 23 composes information including the upper limit amount, the payment method identifier, and the supporter identifier. The supporter sending unit 24 sends the information to the information processing device 1. Return to step S601.

[0160] (Step S603) The supporter receiving unit 22 judges whether or not an inquiry has been received. If an inquiry has been received, the process proceeds to step S604, and if an inquiry has not been received, the process proceeds to step S607.

[0161] (Step S604) The supporter processing unit 23 acquires the supporter identifier from the supporter storage unit 21. The supporter processing unit 23 composes an inquiry associated with the supporter identifier. The supporter sending unit 24 sends the inquiry to the information processing device 1.

[0162] (Step S605) The supporter receiving unit 25 judges whether or not one or more pieces of usage information have been received from the information processing device 1 in response to the transmission of the inquiry in step S604. If one or more pieces of usage information have been received, the process proceeds to step S606, and if one or more pieces of usage information have not been received, the process returns to step S605.

[0163] (Step S606) The supporter processing unit 23 composes information to be output using one or more pieces of use information received in step S605. The supporter output unit 26 outputs the information. Return to step S601.

[0164] (Step S607) The supporter receiving unit 25 judges whether or not the information has been received. If the information has been received, the process proceeds to step S608, and if the information has not been received, the process returns to step S601. The information is, for example, report information, location information, warning information, or usage information.

[0165] (Step S608) The supporter processing unit 23 composes information to be output using the information received in step S607. The supporter output unit 26 outputs the information. Return to step S601.

[0166] In the flowchart of FIG. 6, the process ends when the power is turned off or an interrupt occurs to end the process.

[0167] Next, an example of the operation of the user terminal 3 will be described with reference to the flowchart of FIG.

[0168] (Step S701) The user reception unit 32 judges whether or not a payment instruction has been received. If a payment instruction has been received, the process proceeds to step S702. If a payment instruction has not been received, the process proceeds to step S705. The payment instruction includes, for example, the product identifier, quantity, and store information of the product to be purchased.

[0169] (Step S702) The user processing unit 33 acquires payment information and the like according to the payment instruction accepted in step S701. The payment information and the like includes, for example, a user identifier, a date and time, and a payment method identifier in addition to the information included in the payment instruction.

[0170] (Step S703) The user transmitting unit 34 transmits the payment information and the like acquired in step S702 to the information processing device 1. The process returns to step S701.

[0171] (Step S704) The user processing unit 33 judges whether or not to transmit support information. If the support information is to be transmitted, the process proceeds to step S705. If the support information is not to be transmitted, the process proceeds to step S707. For example, the user processing unit 33 judges to transmit support information in response to an instruction from the user or a store clerk.

[0172] (Step S705) The user processing unit 33 acquires support information. For example, the user processing unit 33 acquires voice information by a microphone, acquires video captured by the camera of the user terminal 3, and acquires store clerk information input by the store clerk, and configures support information having the voice information, the video, and the store clerk information.

[0173] (Step S706) The user transmission unit 34 transmits the support information acquired in step S705 to the information processing device 1 in association with the user identifier or the payment method identifier. Return to step S701.

[0174] (Step S707) The user processing unit 33 judges whether or not to transmit the location information. If the location information is to be transmitted, the process proceeds to step S708, and if the location information is not to be transmitted, the process returns to step S701. The user processing unit 33 judges to transmit the location information in response to, for example, the acceptance of a payment instruction.

[0175] (Step S708) User processing unit 33 acquires location information. In this case, user processing unit 33 is, for example, a GPS receiver, but the means for acquiring location information is not important.

[0176] (Step S709) The user transmission unit 34 transmits the position information acquired in step S708, paired with the user identifier, to the information processing device 1. The process returns to step S701.

[0177] In the flowchart of FIG. 7, the process ends when the power is turned off or an interrupt is issued to end the process.

[0178] A specific example of the operation of the information system A in this embodiment will be described below.

[0179] It is assumed that the management information storage unit 111 of the information processing device 1 stores a management information management table shown in Fig. 8. Each record in the management information management table is information that is usually registered in the information processing device 1 by a supporter using the supporter terminal 2.

[0180] The management information management table is a table for managing one or more records having "ID", "user information", "supporter information", and "upper limit information". "User information" has "user identifier", "disability level", and "payment method identifier". "Supporter information" has "supporter identifier", "email address", "telephone number", "usage information sending flag", and "support information sending flag". "Upper limit information" has "product condition" and "amount condition". "Usage information sending flag" is a flag indicating whether or not usage information is sent to a supporter when usage information is received. "Support information sending flag" is a flag indicating whether or not support information is sent to a supporter when support information is received. Note that "ON" indicates that it is sent, and "OFF" indicates that it is not sent. "Upper limit information" is information that specifies the upper limit amount. The product condition "product type != food" indicates that the type of product is not food. Note that the operator "!=" indicates that it is not equal. The product condition "product type = food" indicates that the type of product is food. "Amount condition" is a condition regarding the upper limit amount. "1st floor total <= 5000 yen" indicates that the upper limit for one payment is 5000 yen. "This month's cumulative <= 1000 yen" indicates that the upper limit for the cumulative amount for this month is 1000 yen. "This year's cumulative <= 20,000 yen" indicates that the upper limit for the cumulative amount for this year is 20,000 yen.

[0181] It is assumed that the usage information storage unit 112 stores a usage information management table having the structure shown in FIG. 9. The usage information management table is a table that manages usage information in the use of a payment method by each user. The usage information management table manages one or more records having an "ID", "user identifier", "payment method identifier", "date and time", "store identifier", "amount", "product identifier", "product type", and "support information". The "support information" has an "supporting clerk" and "recorded information". The "ID" is information that identifies the record. The "date and time" is the date and time when the payment was made. The "user identifier" is the identifier of the user who made the payment. The "store identifier" is the identifier of the store where the user shopped. The "amount" is the amount paid by the user. The "product identifier" is the identifier of the product purchased by the user. The "product type" is the type of product purchased by the user. The "supporting clerk" is the identifier of the clerk who supported the user's shopping. The "recorded information" is information recorded at the store when the user shopped.

[0182] It is assumed that a location management table having the structure shown in Fig. 10 is stored in storage unit 11. The location management table is a table that manages the locations of users. The location management table manages one or more records having an "ID," "user identifier," "payment method identifier," "date and time," and "location information." The "date and time" is the date and time when the location information was acquired.

[0183] In such a situation, the following three specific examples will be described. Specific Example 1 is a case where the user can purchase the product using the payment means. Specific Example 2 is a case where the user cannot purchase the product using the payment means. Specific Example 3 is a case where the report information is output to the supporter terminal 2.

[0184] (Example 1) Suppose that user A goes to a supermarket (Supermarket α) and buys a 500 yen lunch box, puts the lunch box in his shopping cart, and takes it to the cash register. User A then operates user terminal 3 to display the electronic credit card of the user terminal 3, but is unable to do so. Then, the clerk P of Supermarket α 31Suppose that the sales clerk P assists the user A and displays an electronic credit card on the screen of the user terminal 3. 31 Assume that the in-store device 4 captures the video and obtains the audio information to generate recorded information "m3.mp4." The in-store device 4 then stores the recorded information "m3.mp4," the user identifier "User A," the store identifier "Supermarket α," and the store clerk identifier "P 31 The user identifier “User A” is sent to the information processing device 1 by the sales clerk P who received the user identifier from the user A. 31 The store identifier "Supermarket α" and the store clerk identifier "P 31 " is information that has been stored in advance in the in-store device 4.

[0185] Next, the support information receiving unit 123 of the information processing device 1 receives the support information from the in-store device 4. Next, the support information storage unit 135 acquires the payment method identifier "credit card number 1" that pairs with the user identifier "user A" contained in the received support information from the management information management table (FIG. 8). Then, the support information storage unit 135 stores the received support information in association with the payment method identifier.

[0186] User A also has a sales clerk P 31 Assume that, with the assistance of the user, the user inputs a payment instruction using the credit card displayed on the user terminal 3 into the user terminal 3. Next, the user terminal 3 accepts the payment instruction "<Product> Lunch Box <Product Type> Food <Price> 500". Next, the user processing unit 33 acquires payment information "<Payment Method Identifier> Credit Card Number 1 <User Identifier> User A <Date and Time> 2023 / 3 / 17 15:30 <Product> Lunch Box <Product Type> Food <Price> 500" according to the accepted payment instruction. Next, the user transmission unit 34 transmits the payment information, etc. to the information processing device 1.

[0187] Next, the payment information receiving unit 122 of the information processing device 1 receives the payment information from the user terminal 3. Next, the judgment unit 132 acquires the payment method identifier "credit card number 1" corresponding to the received payment information. Next, the judgment unit 132 acquires the amount condition that is the amount condition corresponding to the acquired payment method identifier "credit card number 1" and matches the product condition from the management information management table (FIG. 8). Here, the judgment unit 132 acquires the amount condition "accumulation this month <= 1000 yen" that matches the product condition "product type = food" of "<product type> food" in the received payment information. Next, the judgment unit 132 acquires the amount "380" for "2023 / 3" that is paired with the payment method identifier "credit card number 1". Next, the judgment unit 132 acquires "<price> 500" included in the received payment information and calculates the total "880". Next, the determination unit 132 determines that the total "880" satisfies the amount condition "this month's cumulative amount<=1000 yen."

[0188] Next, the payment processing unit 133 performs payment processing for the lunch box using the payment method identifier "credit card number 1". Then, the usage information accumulation unit 134 accumulates the usage information in the usage information management table (Fig. 9). The usage information accumulation unit 134 also accumulates the support information that was previously stored in the usage information management table (Fig. 9). As a result, the record "ID=218" in the usage information management table (Fig. 9) is accumulated.

[0189] Next, the usage information sending unit 141 obtains the usage information sending flag "ON" that corresponds to the user identifier "User A" from Figure 8, and sends the accumulated usage information (usage information of "ID=218") to supporter X's email address "x@ab.com" in accordance with the usage information sending flag "ON".

[0190] In addition, the sending unit 14 obtains the support information sending flag "ON" that corresponds to the user identifier "User A" from Figure 8, and sends the accumulated support information (support information with "ID=218") to the email address of supporter X, "x@ab.com", in accordance with the support information sending flag "ON".

[0191] Next, the supporter terminal 2 of the supporter X receives and outputs the usage information and the support information. By this output, the supporter X knows that the user A was able to shop appropriately with the support of the store clerk, and feels relieved.

[0192] (Example 2) It is assumed that user C went to a department store on March 17th to purchase some clothes, and that user C displayed an electronic money application on user terminal 3 that he owns to purchase the clothes worth 5,000 yen.

[0193] Next, assume that user C attempts to purchase 5,000 yen worth of clothing using the electronic money app. Next, the user reception unit 32 of the user terminal 3 receives a payment instruction "<Product> Clothing <Price> 5000 <Store Identifier> Department Store β". Next, the user processing unit 33 outputs payment information "<Payment Method Identifier> Electronic Money App ID1 <User Identifier> User C <Date and Time> 2023 / 3 / 17 15:32 <Product> Clothing <Price> 5000 <Store Identifier> Department Store β <Location Information> (x 31 ,y 31 Next, the user transmission unit 34 transmits the payment information to the information processing device 1. Note that the user terminal 3 acquires the current location of the user terminal 3 (x 31 ,y 31 ) is acquired and stored.

[0194] Next, the processing unit 13 of the information processing device 1 performs a process to convert “<Payment method identifier> Electronic money application ID1 <User identifier> User C <Date and time> 2023 / 3 / 17 15:32 <Location information> (x 31 ,y 31 )" is stored in the location management table (FIG. 10). Such a record is the record with "ID=3" in FIG.

[0195] Furthermore, the payment information receiving unit 122 of the information processing device 1 receives the payment information from the user terminal 3 of the user C. Next, the judgment unit 132 acquires the payment means identifier "electronic money application ID1" corresponding to the received payment information. Next, the judgment unit 132 acquires the amount condition "accumulation this month<=10,000 yen" corresponding to the acquired payment means identifier "electronic money application ID1" from the management information management table (FIG. 8). Next, the judgment unit 132 acquires the amount "8500" for "2023 / 3" that is paired with the payment means identifier "electronic money application ID1". Next, the judgment unit 132 acquires "<price>5000" included in the received payment information, and calculates the sum (second total amount) of "13500". Next, the judgment unit 132 judges that the second total amount "13500" does not satisfy the amount condition "accumulation this month<=10,000 yen".

[0196] Next, the processing unit 13 acquires the user identifier "User C" corresponding to the received payment information. Next, the processing unit 13 acquires the location information "(x 31 ,y 31 )" from the storage unit 11. Next, the location information notification unit 143 obtains the supporter notification destination (here, email address) "z@ef.ne.jp" that is paired with the payment method identifier corresponding to the received payment information from FIG. 8. Next, the location information notification unit 143 obtains the location information "(x 31 ,y 31 )" and fraudulent information including payment information (information indicating that a payment was attempted beyond the limit) will be sent to the email address "z@ef.ne.jp".

[0197] Next, the supporter terminal 2 of the supporter Z of the user C receives the position information “(x 31 ,y 31 ) and other fraudulent information is received and output. An example of such output is shown in FIG. 11. In FIG. 11, the location (x 31 ,y 31 ) is clearly indicated on the map (see 1101 in Figure 11).

[0198] According to this example, if the user attempts to make a purchase that exceeds the upper limit, the supporter can be notified of the situation.

[0199] (Example 3) Let us assume that supporter X inputs the inquiry "<payment method identifier> credit card number 1" into supporter terminal 2. Then, supporter reception unit 22 of supporter terminal 2 accepts the inquiry. Next, supporter processing unit 23 obtains supporter identifier "supporter X" from supporter storage unit 21. Supporter processing unit 23 composes the inquiry "<payment method identifier> credit card number 1 <supporter identifier> supporter X". Supporter transmission unit 24 transmits the inquiry to information processing device 1.

[0200] Next, the inquiry receiving unit 125 of the information processing device 1 receives the inquiry from the supporter terminal 2. Next, the usage information acquiring unit 136 acquires the supporter identifier "supporter X" included in the inquiry. Next, the usage information acquiring unit 136 acquires one or more pieces of usage information etc. that are paired with the supporter identifier "supporter X" from the usage information management table (FIG. 9). Next, the report information acquiring unit 137 composes report information using the one or more pieces of usage information etc. that have been acquired. Next, the report information transmitting unit 144 transmits the constructed report information to the supporter terminal 2 that has sent the inquiry.

[0201] Next, the supporter terminal 2 of the supporter X receives the report information and outputs it. An example of such output is shown in FIG. 12. Note that FIG. 12 also includes information based on the usage information for January and February 2023, which is not shown in FIG. 9. If the supporter X instructs 1201 in FIG. 12, the record information at the time of the response is output.

[0202] As described above, according to this embodiment, it is possible to provide a supporter of a challenged user with information on the user's payment method usage.

[0203] Furthermore, according to this embodiment, a supporter can set an upper limit on the amount that a challenged user can spend using a payment method.

[0204] Furthermore, according to this embodiment, a supporter can set an upper limit on the amount that a challenged user can spend using a payment method for each product condition.

[0205] Furthermore, according to this embodiment, when a challenged user uses a payment method and is about to exceed the upper limit amount or attempts to make a payment that exceeds the upper limit amount, the supporter is contacted, which provides reassurance to the supporter.

[0206] Furthermore, according to this embodiment, the location information of the payment method used by the challenged user can be notified to the supporter.

[0207] Furthermore, according to this embodiment, when a challenged user attempts to use a payment method exceeding the upper limit, the user's location information can be notified to a supporter.

[0208] Furthermore, according to this embodiment, it is possible to transmit report information reporting the use of the user's payment method to a supporter of the challenged user.

[0209] Furthermore, according to this embodiment, support information regarding the supporter who assisted the challenged user in using a payment method can be transmitted to the supporter of the challenged user.

[0210] The processing in this embodiment may be realized by software. This software may be distributed by software download or the like. 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 for realizing the information processing device 1 in this embodiment is the following program. That is, this program is a program for making a computer that can access a management information storage unit in which one or more pieces of management information having a payment means identifier that identifies a payment means used by a challenged user and supporter information having a supporter identifier that identifies a supporter of the challenged user are stored, and a usage information storage unit in which one or more pieces of usage information related to the use of the payment means identified by the payment means identifier are stored in association with each of the one or more payment means identifiers, function as an inquiry receiving unit that receives an inquiry having a supporter identifier from a supporter terminal, a usage information acquiring unit that acquires one or more pieces of usage information associated with a payment means identifier that is paired with the supporter identifier possessed by the inquiry from the usage information storing unit, and a usage information transmitting unit that transmits the one or more pieces of usage information acquired by the usage information acquiring unit to the supporter terminal.

[0211] Fig. 13 shows the appearance of a computer that executes the program described in this specification to realize the information processing device 1 and the like of the various embodiments described above. The above-mentioned embodiments can be realized by computer hardware and a computer program executed thereon. Fig. 13 is an overview of this computer system 300, and Fig. 14 is a block diagram of the system 300.

[0212] In FIG. 13, computer system 300 includes a computer 301 including a CD-ROM drive, a keyboard 302, a mouse 303, and a monitor 304.

[0213] 14, computer 301 includes, in addition to CD-ROM drive 3012, MPU 3013, bus 3014 connected to CD-ROM drive 3012 etc., ROM 3015 for storing programs such as a boot-up program, RAM 3016 connected to MPU 3013 for temporarily storing instructions of application programs and providing temporary storage space, and hard disk 3017 for storing application programs, system programs, and data. Although not shown here, computer 301 may further include a network card for providing connection to a LAN.

[0214] A program for causing computer system 300 to execute the functions of information processing device 1 and the like of the above-mentioned embodiment may be stored on CD-ROM 3101, inserted into CD-ROM drive 3012, and further transferred to hard disk 3017. Alternatively, the program may be transmitted to computer 301 via a network (not shown) and stored on hard disk 3017. The program is loaded into RAM 3016 at the time of execution. The program may be loaded directly from CD-ROM 3101 or the network.

[0215] The program does not necessarily include an operating system (OS) or a third party program that causes the computer 301 to execute the functions of the information processing device 1 of the above-mentioned embodiment. The program only needs to include an instruction portion that calls appropriate functions (modules) in a controlled manner to obtain a desired result. How the computer system 300 operates is well known, and a detailed description will be omitted.

[0216] In addition, in the above program, the steps of transmitting information and receiving information do not include processing performed by hardware, such as processing performed by a modem or interface card in the transmitting step (processing that is performed only by hardware).

[0217] The program may be executed by a single computer or a plurality of computers. That is, the program may be executed by centralized processing or distributed processing.

[0218] Furthermore, in each of the above embodiments, it goes without saying that two or more communication means present in one device may be physically realized by one medium.

[0219] In each of the above embodiments, each process may be realized by centralized processing in a single device, or may be realized by distributed processing in a plurality of devices.

[0220] The present invention is not limited to the above-described embodiment, and various modifications are possible, and it goes without saying that these modifications are also included within the scope of the present invention. [Industrial Applicability]

[0221] As described above, the information processing device 1 according to the present invention has an effect of being able to support a supporter of a challenged user when the user uses a payment means, and is useful as a server or the like that supports the supporter. [Explanation of symbols]

[0222] A. Information Systems 1. Information processing device 2 Supporter terminal 3. User terminal 4. Store equipment 11 Storage area 12 Receiving section 13 Processing section 14 Transmitter 21 Supporter Storage Area 22 Supporter Reception 23 Supporter Processing Department 24 Supporter Transmission Department 25 Supporter Reception Department 26 Supporter Output Section 31 User storage section 32 User Reception Department 33 User Processing Section 34 User Transmission Unit 35 User Receiving Unit 36 User output section 111 Management information storage section 112 Usage information storage unit 121 Maximum Amount Receiving Department 122 Payment information receiving unit 123 Support Information Reception Department 124 Location information receiver 125 Inquiry Reception Department 131 Upper limit amount accumulation section 132 Judgment Department 133 Payment processing unit 134 Usage Information Storage Department 135 Support Information Storage Unit 136 Usage information acquisition department 137 Report information acquisition department 141 Usage information transmission unit 142 Warning information transmission unit 143 Location information notification section 144 Report Information Transmission Department

Claims

1. a management information storage unit in which one or more pieces of management information are stored, the management information having a payment means identifier for identifying a payment means used by a challenged user and supporter information having a supporter identifier for identifying a supporter of the challenged user; a usage information storage unit in which one or more pieces of usage information relating to the usage of a payment means identified by one or more payment means identifiers are stored in association with each of the one or more payment means identifiers; an inquiry receiving unit that receives an inquiry having a supporter identifier from a supporter terminal; a usage information acquisition unit that acquires from the usage information storage unit one or more pieces of usage information corresponding to a payment method identifier that is paired with the supporter identifier included in the inquiry; and a usage information transmitting unit configured to transmit the one or more pieces of usage information acquired by the usage information acquiring unit to the supporter terminal.

2. The management information includes an upper limit of the amount that the user can use, an upper limit receiving unit that receives an upper limit corresponding to a payment method identifier from the supporter terminal; an upper limit amount storage unit that stores the upper limit amount received by the upper limit amount receiving unit in the management information storage unit in association with the payment method identifier corresponding to the upper limit amount; a payment information receiving unit that receives payment information, the payment information being information related to a payment and including a payment method identifier; A payment processing unit that performs processing for payment using the payment information; a usage information storage unit that acquires usage information corresponding to the payment information received by the payment information receiving unit, the usage information including an amount and a date of use, and stores the usage information in the usage information storage unit in association with the payment method identifier; and a warning information sending unit that sends warning information indicating a warning to a supporter terminal of a supporter identified by a supporter identifier corresponding to the payment method identifier when a difference between a total amount of money included in one or more pieces of usage information for a specified period and the upper limit amount corresponding to the payment method identifier is within or less than a threshold, or when a second total amount obtained by adding the total amount and the amount corresponding to the payment information exceeds the upper limit amount, The payment processing unit, The information processing device according to claim 1 , wherein if the amount corresponding to the payment information exceeds an upper limit amount paired with the payment method identifier, processing for the payment is not performed.

3. a location information receiving unit that receives location information of a terminal corresponding to the payment method, the location information corresponding to the payment method identifier; The information processing device according to claim 1 , further comprising a location information notification unit configured to transmit the location information to a supporter notification destination that is a notification destination of a supporter identified by the supporter identifier corresponding to the payment method identifier.

4. a judgment unit that judges whether a second total amount, which is a sum of a total amount of amounts included in one or more pieces of usage information for a predetermined period and the amount corresponding to the payment information, exceeds the upper limit amount; The location information notification unit is The information processing device according to claim 3 , wherein the position information is transmitted to the supporter notification destination when the determination unit determines that the second total amount exceeds the upper limit amount.

5. a report information acquisition unit that acquires one or more pieces of usage information corresponding to one payment method identifier and acquires report information based on the one or more pieces of usage information; 2. The information processing device according to claim 1, further comprising a report information sending unit that sends the report information to a supporter terminal of a supporter identified by a supporter identifier corresponding to the one payment method identifier.

6. a support information receiving unit for receiving support information including information about a person who has supported the user in using a payment method, the support information corresponding to a payment method identifier; a support information storage unit that stores the support information in the usage information storage unit in association with the payment method identifier, The report information acquisition unit, The information processing apparatus according to claim 5 , wherein the report information includes the support information.

7. The information processing device according to claim 6 , wherein the support information is one or more of the following: an identifier of a store clerk who uses the payment means, a voice of the store clerk providing support, and a video recorded while providing support.

8. The support information receiving unit 8. The information processing apparatus according to claim 6, wherein the support information is received from a user terminal of the user or a store device.

9. The usage information acquisition unit The purchase information is related to the purchase of a product, and the received purchase information is used to obtain usage information, which is reassuring information for reassuring supporters of the challenged. The usage information transmission unit The information processing apparatus according to claim 1 , wherein the safety information acquired by the usage information acquisition unit is transmitted to the supporter terminal.

10. An information processing method implemented by a management information storage unit that stores one or more pieces of management information having a payment means identifier that identifies a payment means used by a challenged user and supporter information having a supporter identifier that identifies a supporter of the challenged user, a usage information storage unit that stores one or more pieces of usage information relating to the use of a payment means identified by the payment means identifier in association with each of the one or more payment means identifiers, an inquiry receiving unit, a usage information acquiring unit, and a usage information transmitting unit, an inquiry receiving step in which the inquiry receiving unit receives an inquiry having a supporter identifier from a supporter terminal; a usage information acquisition step in which the usage information acquisition unit acquires from the usage information storage unit one or more pieces of usage information corresponding to a payment method identifier that is paired with a supporter identifier included in the inquiry; The information processing method further comprises a usage information transmitting step in which the usage information transmitting unit transmits the one or more pieces of usage information acquired in the usage information acquiring step to the supporter terminal.

11. a computer that can access a management information storage unit that stores one or more pieces of management information having a payment means identifier that identifies a payment means used by a challenged user and supporter information having a supporter identifier that identifies a supporter of the challenged user, and a usage information storage unit that stores one or more pieces of usage information related to the usage of the payment means identified by the payment means identifier in association with each of the one or more payment means identifiers; an inquiry receiving unit that receives an inquiry having a supporter identifier from a supporter terminal; a usage information acquisition unit that acquires from the usage information storage unit one or more pieces of usage information corresponding to a payment method identifier that is paired with the supporter identifier included in the inquiry; A program for causing the usage information acquisition unit to function as a usage information transmission unit that transmits the one or more pieces of usage information acquired by the usage information acquisition unit to the supporter terminal.

Images