Information processing device and system

Abstract

To limit settlement when a second user purchases a product using settlement means associated with a first user.SOLUTION: A server device 100 comprises a control unit 110 which performs the steps of: acquiring a settlement account associated with a first user 10, a user ID of a second user 20, and first product information containing product information of a first product; determining whether or not the second user 20 is given a user authority of settlement means associated with a settlement account 200a; determining whether or not a first product 400 belongs to a first product category, which is a category of products whose purchases by the second user 20 are not permitted when the use authority is determined to have been given to the second user 20; and transmitting a signal indicating that settlement processing by the settlement means of the first product 400 is not permitted to a store terminal 500 when the first product 400 is determined to belong to the first product category.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present disclosure relates to payment systems. [Background technology]

[0002] There are many known technologies for making payments using accounts linked to users. In this regard, for example, Patent Document 1 discloses an authentication processing device that makes a payment for a product using a first user's account when authentication of a second user who is authorized to use at least a part of the first user's account is successful. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-26317 Summary of the Invention [Problem to be solved by the invention]

[0004] The present disclosure aims to impose restrictions on payments when a second user purchases a product using a payment method linked to a first user. [Means for solving the problem]

[0005] One aspect of the present disclosure is to An information processing device comprising a control unit that executes the following operations: acquiring a payment account linked to a first user, a user ID of a second user different from the first user, and first product information including product information of a first product; determining whether the first user has granted the second user authority to use a payment means linked to the payment account based on the user ID of the second user; if it is determined that the second user has been granted authority to use the payment means, determining whether the first product belongs to a first product category, which is a category of products that the second user is not permitted to purchase, based on the user ID of the second user and the first product information; and if it is determined that the first product belongs to the first product category, sending a signal indicating that payment processing using the payment means for the first product is not permitted to be performed, to a store terminal of a first store where the second user intends to purchase the first product.

[0006] One aspect of the present disclosure is to A system including a server device and a store terminal, wherein the server device executes the following steps: acquires a payment account linked to a first user, a user ID of a second user different from the first user, and first product information including product information of a first product; determines whether the first user has granted the second user authority to use a payment means linked to the payment account based on the user ID of the second user; if it is determined that the second user has been granted authority to use the payment means, determines whether the first product belongs to a first product category, which is a category of products that the second user is not permitted to purchase, based on the user ID of the second user and the first product information; and if it is determined that the first product belongs to the first product category, sends a signal indicating that payment processing using the payment means for the first product is not permitted to be performed, to the store terminal of a first store where the second user intends to purchase the first product.

[0007] In addition, as another aspect, a method executed by the above-mentioned device, and a process for executing the method by a computer or a computer-readable storage medium non-transitoryly storing the program. Effect of the Invention

[0008] According to the present disclosure, when a second user purchases a product using a payment method linked to a first user, it is possible to set restrictions on the payment. [Brief description of the drawings]

[0009] [Figure 1] FIG. 4 is a conceptual diagram of a process executed by a server device according to the embodiment. [Diagram 2] FIG. 2 is a diagram illustrating components of a system including a server device according to an embodiment. [Diagram 3] 5 is a flowchart of a process executed by a control unit of the server device according to the embodiment. [Figure 4] 11 is a flowchart showing a process of limiting payment based on an upper limit price of a first product, which is executed by a control unit of the server device according to the embodiment. [Diagram 5] 11 is a flowchart of a payment restriction process based on allergen information of a first product, which is executed by a control unit of the server device according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] A payment processing system is known that authenticates a second user linked to a payment account of a first user and enables the authenticated second user to make payments using a payment method linked to the payment account of the first user.

[0011] For example, consider a case where a child uses a parent's payment account to perform payment processing. When a product or service is purchased with the child's account, the payment may be made using the parent's payment account linked to the child's account. Specifically, the child's account may be linked to the parent's payment account, and the payment for the product or service purchased with the child's account may be made using a credit card registered to the parent's payment account.

[0012] However, if a child's account allows payments for products or services to be made using a payment method linked to the parent's payment account, the child may be able to purchase products or services that the parent deems inappropriate for children to purchase. For example, a minor may end up purchasing alcoholic beverages. In this way, when a child is about to purchase an undesirable product, it is preferable to be able to restrict the purchase of that product at the time of payment.

[0013] In the present disclosure, this problem is solved by having the server device send a signal to the store terminal indicating that when a second user corresponding to a child attempts to purchase a product that is in a category of products that a first user corresponding to a parent does not permit payment processing using the payment method linked to the first user's payment account for the product.

[0014] An information processing device according to one embodiment of the present disclosure acquires a payment account linked to a first user, a user ID of a second user different from the first user, and first product information including product information of a first product; determines whether the first user has granted the second user authority to use a payment means linked to the payment account based on the user ID of the second user; if it is determined that the second user has been granted authority to use the payment means, determines whether the first product belongs to a first product category, which is a category of products that is not permitted for purchase by the second user, based on the user ID of the second user and the first product information; if it is determined that the first product belongs to the first product category, sends a signal indicating that payment processing using the payment means for the first product is not permitted to the second user when the second user purchases the first product. and transmitting the information to a store terminal of a first store where the information is to be stored.

[0015] A payment account is an account that links information that identifies a user when the user purchases a product or service with various cashless services that the user uses to make payments. For example, the user's face may be registered in the payment account, and the payment process for the product or service may be automatically performed using the cashless service linked to the user's personal information by the user performing face authentication at the time of payment.

[0016] The first product category is a category of products that the first user has determined not to permit the second user to purchase, and the second user is prohibited by the first user from purchasing products included in the first product category.

[0017] The control unit determines whether or not a first product that the second user is attempting to purchase belongs to a first product category that is a category of products that the first user has not permitted the second user to purchase.

[0018] When the control unit determines that the first product belongs to the first product category, it sends a signal to the store terminal prohibiting the second user from making a payment process for the first product using a payment method linked to the first user's payment account. A store terminal is a terminal that constitutes a POS (Point Of Sales) system and processes information for customers to make payments at a store. For example, the store terminal authenticates cards or mobile terminals for cashless payment.

[0019] According to this configuration, when the second user is attempting to purchase a product or the like prohibited from being purchased by the first user, the information processing device can prohibit the second user from making a payment for the product. Thus, the information processing device can restrict the second user from purchasing undesirable products using a payment method of the first user's account.

[0020] When the control unit determines that the second user is authorized to use the payment means, the control unit may further determine, based on the user ID of the second user and the first product information, whether the first product belongs to a second product category, which is a category of products for which an upper limit on the purchase amount by the second user is set, and whether the price of the first product exceeds the upper limit. When the control unit determines that the first product belongs to the second product category and the price of the first product exceeds the upper limit, the control unit may transmit a signal to the store terminal in the first store, indicating that payment processing using the payment means for the first product is not permitted.

[0021] The second product category is a category of products that the second user is permitted to purchase by the first user and has a purchase price upper limit set by the first user. The second user is prohibited by the first user from purchasing products included in the second product category in an amount exceeding the purchase price upper limit.

[0022] In this way, when the second user is attempting to purchase a product that exceeds the upper limit price determined by the first user, the information processing device can prohibit the second user from making a payment for the product. Thus, the information processing device can restrict the second user from purchasing a high-priced product using the payment method of the first user's account.

[0023] In addition, when there are a plurality of the first products, the control unit determines whether or not the category to which the plurality of first products belong and the total price of the plurality of the first products exceeds the upper limit price, and when it is determined that the total price of the plurality of the first products belonging to the second product category exceeds the upper limit price, executes a payment process using the payment means for the plurality of the first products. A signal indicating that permission is not granted may be transmitted to the store terminal in the first store.

[0024] In this way, when the second user is trying to purchase multiple products that exceed the upper limit price determined by the first user, the information processing device can prohibit the second user from paying for the products. Therefore, the information processing device can restrict the second user from purchasing a large amount of products in a specific category using the payment method of the first user's account.

[0025] The payment method further includes a storage unit that stores allergen information, which is information regarding allergens for the second user, and when the control unit determines that the second user has been granted authority to use the payment method, the control unit further acquires ingredient information, which is information indicating ingredients of the first product, and determines whether the ingredients of the first product contain an allergen for the second user based on the allergen information and the ingredient information. When it is determined that the ingredients of the first product contain the allergen for the second user, the control unit transmits a signal to the store terminal in the first store indicating that payment processing using the payment method for the first product is not permitted. good.

[0026] The raw material information is information that indicates all of the raw materials that make up the first product. The allergen information is information indicating allergen substances to which the second user may develop an allergy.

[0027] In this way, when the second user is trying to purchase a product that contains an allergen for the second user, the information processing device can prohibit the second user from paying for the product. Thus, the information processing device can restrict the second user from purchasing a product that contains his / her own allergen using the payment method of the first user's account.

[0028] Specific embodiments of the present disclosure will be described below with reference to the drawings. Unless otherwise specified, the hardware configuration, module configuration, functional configuration, and the like described in each embodiment are not intended to limit the technical scope of the disclosure to only those.

[0029] (Embodiment) An overview of the processing performed by the information processing device according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a conceptual diagram of the processing executed by the server device 100. In this embodiment, the server device 100 acquires information on the payment account 200a of the first user 10 and the payment account 200b of the second user 20 from the account server 200.

[0030] The payment account 200b of the second user 20 is configured to make payments using a payment method (eg, credit card 300) linked to the payment account 200a of the first user 10.

[0031] In addition, the server device 100 acquires, from the store terminal 500, information regarding the first product 400 that the second user 20 is about to purchase. In addition, the server device 100 communicates with the store terminal 500 and transmits a signal to the store terminal 500 indicating whether or not to permit payment processing by the second user 20 (i.e., payment processing using a payment means linked to the payment account 200a of the first user 10). The payment means linked to the payment account 200a of the first user 10 used by the second user 20 is hereinafter referred to as the first payment means.

[0032] In this embodiment, the payment account 200a of the first user 10, which is the parent, is linked to the payment account 200b of the second user 20, which is the child. The payment account 200a of the first user 10 is linked to information on the credit card 300 through which the payment process is performed. Since the payment account 200b of the second user 20 is linked to the payment account 200a of the first user 10, the payment process by the payment account 200b of the second user 20 is performed using the credit card 300 linked to the payment account 200a of the first user 10. The server device 100 communicates with the account server 200 to obtain information on the payment account 200a of the first user 10 and the payment account 200b of the second user 20.

[0033] First, the second user 20, who is a child, checks out at a store to purchase the first product 400. At this time, the second user 20 is identified as an individual at the cash register, for example, by face recognition or the like. Here, the first product 400 is, for example, alcohol.

[0034] The server device 100 acquires the user ID of the second user 20 identified by facial recognition or the like from the store terminal 500. In addition, when the second user 20 attempts to make a payment for the first product 400, the server device 100 acquires information about the first product 400 that the second user 20 is attempting to purchase from the store terminal 500.

[0035] Next, the server device 100 determines whether the second user 20 has been granted the authority to use the first payment means. In other words, the server device 100 determines whether the second user 20 is permitted to use the first payment means to perform the payment process for the first product 400. The server device 100 communicates with the account server 200 and obtains information from the first user 10 regarding whether the second user 20 has been granted the authority to use the first payment means.

[0036] When the server device 100 determines that the second user 20 is authorized to use the first payment method, the server device 100 determines whether the first product 400 belongs to the first product category. Here, the first product category is a category of products that the first user 10 has determined not to permit the second user 20 to purchase. For example, if the first user 10, who is the parent, prohibits the second user 20, who is the child, from purchasing alcoholic beverages, the first product category is "alcoholic beverages." In this case, the first product 400, which is alcoholic beverages, is included in the first product category. The server device 100 may also communicate with the account server 200 to obtain information regarding the first product category set by the first user 10.

[0037] When the server device 100 determines that the first product 400 belongs to the first product category, the server device 100 transmits a signal to the store terminal 500 indicating that the second user 20 is not permitted to perform payment processing using the first payment means. In other words, when the server device 100 determines that the first product 400 belongs to the first product category, the server device 100 prohibits the second user 20 from performing payment processing for the first product 400 using the first payment means. Here, the store terminal 500 is a terminal for accounting installed in the store where the second user 20 intends to purchase the first product 400.

[0038] Next, each element constituting the system will be described in detail. Fig. 2 is a diagram illustrating the components of a system including a server device 100 according to an embodiment.

[0039] The server device 100 according to this embodiment includes a control unit 110, a storage unit 120, and a communication unit 130. The server device 100 communicates with an account server 200 to acquire information required for processing. The server device 100 also communicates with a store terminal 500, and when a predetermined condition is met, transmits a signal to the store terminal 500 indicating that payment processing is not permitted. The server device 100 is an example of an information processing device.

[0040] The control unit 110 is realized by a processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit) and a memory. The control unit 110 includes, as functional modules, an acquisition unit 111, a usage authority determination unit 112, a product determination unit 113, and a payment permission unit 114. These functional modules may be realized by the control unit 110 executing a program.

[0041] The acquisition unit 111 acquires the user ID of the second user 20 and the first product information from the store terminal 500 when the second user 20 attempts to pay for the first product 400 via the store terminal 500 .

[0042] Here, the first product information is information that includes a set of the product ID of the first product 400, the product category of the first product 400, and the price of the first product 400. The product category may be determined by the server device 100 with reference to an external database. Furthermore, when there are multiple first products 400, there may be multiple sets of the product ID, product category, and price for each product.

[0043] Acquisition unit 111 also communicates with account server 200 via communication unit 130 to acquire information related to payment account 200a of first user 10. Acquisition unit 111 may also acquire information related to credit card 300 linked to payment account 200a of first user 10 from account server 200. Acquisition unit 111 may also acquire payment account 200b of second user 20 from account server 200 instead of the user ID of second user 20.

[0044] Alternatively, acquisition unit 111 may acquire additional information about first product 400 that is not included in the first product information from an external device (e.g., a product database, etc.). By acquiring the first product information, acquisition unit 111 can acquire information about what kind of first product 400 second user 20 is trying to pay for.

[0045] Moreover, the acquisition unit 111 communicates with an external device to acquire ingredient information of the first product 400. The acquisition unit 111 also communicates with the account server 200 to acquire allergen information, which is information on allergens for the second user 20.

[0046] The usage authority determination unit 112 determines whether the first user 10 has granted the second user 20 the authority to use the payment means linked to the payment account 200a, based on the user ID of the second user 20. The usage authority determination unit 112 may determine whether the payment account 200b of the second user 20 is permitted to perform payment processing using the credit card 300 linked to the payment account 200a of the first user 10.

[0047] Furthermore, the acquisition unit 111 acquires, from the account server 200, information on the first product category for the second user 20 (that is, the product category that the second user 20 is prohibited from purchasing by the first user 10).

[0048] The product determination unit 113 determines whether the first product 400 belongs to the first product category based on the user ID of the second user 20 and the first product information. That is, the product determination unit 113 determines whether or not the first product 400 is a product belonging to a product category that the first user 10 has prohibited the second user 20 from purchasing.

[0049] Also, the product determination unit 113 determines the product based on the user ID of the second user 20 and the first product information. and determines whether the first product 400 belongs to the second product category and whether the price of the first product 400 exceeds the upper limit amount preset by the first user 10. Here, the second product category is a product category for which an upper limit amount for purchases by the second user 20 is set. Furthermore, when there are multiple first products 400, the product determination unit 113 may determine whether the multiple first products 400 belong to the second product category, and determine whether the total price of the multiple first products 400 belonging to the second product category exceeds the upper limit amount.

[0050] Furthermore, the product evaluation unit 113 evaluates whether or not the ingredients of the first product 400 contain an allergen substance for the second user 20, based on the allergen information and ingredient information.

[0051] The payment permission unit 114 prohibits the second user 20 from performing the payment process for the first product 400 using the first payment means when any of the following three types of determination criteria is met.

[0052] First, when the product determination unit 113 determines that the first product 400 belongs to the first product category, the payment permission unit 114 transmits a signal to the store terminal 500 indicating that payment processing by the first payment means for the first product 400 is not permitted. Here, the store terminal 500 is the store terminal 500 installed in the first store where the second user 20 attempts to purchase the first product 400. In other words, when the product determination unit 113 determines that the first product 400 belongs to the first product category, the payment permission unit 114 does not allow the store terminal 500 to perform payment processing by the first payment means for the first product 400.

[0053] Secondly, when the product determination unit 113 determines that the first product 400 belongs to the second product category and the price of the first product 400 exceeds the upper limit amount, the payment permission unit 114 transmits a signal indicating that the payment process of the first product 400 by the first payment means is not permitted to be performed to the store terminal 500 in the first store. Note that when there are multiple first products 400 that belong to the second product category, the payment permission unit 114 may perform the above-mentioned process based on the total price of the multiple products.

[0054] Thirdly, when the product determination unit 113 determines that the ingredients of the first product 400 contain an allergen for the second user 20, the payment permission unit 114 transmits a signal to the store terminal 500 in the first store indicating that payment processing for the first product 400 using the first payment means is not permitted.

[0055] The storage unit 120 is a main storage device such as a RAM or a ROM, an EPROM, a hard disk drive, and an auxiliary storage device such as a removable medium. An operating system (OS), various programs, various tables, and the like are stored in the auxiliary storage device, and by executing the programs stored therein, each function that matches the predetermined purpose of each part of the control unit 110 can be realized. However, some or all of the functions may be realized by a hardware circuit such as an ASIC or an FPGA.

[0056] Memory unit 120 stores data and the like used or generated in the processing performed by control unit 110. For example, memory unit 120 stores payment account 200a of first user 10 and the user ID of second user 20. Memory unit 120 also stores first product information and allergen information.

[0057] The communication unit 130 is configured with a communication circuit that performs wireless communication. For example, the communication unit 130 may be a communication circuit that performs wireless communication using 4G (4th Generation) or a communication circuit that performs wireless communication using 5G (5th Generation). The communication unit 130 may also be a communication circuit that performs wireless communication using LTE (Long Term Evolution). It may be a communication circuit that performs wireless communication, or an LPWA (Low Power Wide Area) The communication unit 130 may be a communication circuit that performs communication using a standard wireless communication area (Wi-Fi).

[0058] Next, devices other than the server device 100 will be described. The account server 200 is a server device that stores information regarding the payment account 200a of the first user 10 and the user ID of the second user 20. The account server 200 may also store information regarding a credit card 300 linked to the payment account 200a of the first user 10.

[0059] The store terminal 500 is a terminal constituting a POS system, and is a terminal that performs information processing for customers to make payments at a store. For example, the store terminal 500 authenticates a card or a mobile terminal for cashless payment. The store terminal 500 may also have a face authentication function. Instead of authenticating a card or a mobile terminal for cashless payment, the store terminal 500 may authenticate the face of the second user 20 to identify the second user 20, and perform a payment process using the payment account 200b linked to the second user 20. In addition, when the payment account 200b linked to the second user 20 or the user ID of the second user 20 is linked to the payment account 200a of the first user 10, when the face of the second user 20 is authenticated, the store terminal 500 may perform a payment process using the first payment means.

[0060] Furthermore, when the second user 20 attempts to make a payment for the first product 400, the store terminal 500 transmits the user ID of the second user 20 and the first product information to the server device 100. Then, the store terminal 500 receives information from the server device 100 indicating whether or not to permit the payment process for the first product 400.

[0061] Next, a specific description will be given of the processing performed by the server device 100. Fig. 3 is a flowchart of the processing executed by the control unit 110 of the server device 100 according to the embodiment.

[0062] 3 is started, the payment account 200a of the first user 10 and the user ID of the second user 20 are recorded in the account server 200. Also, additional information (such as raw material information) regarding the first product 400 is recorded in an external device capable of communicating with the server device 100.

[0063] The process in FIG. 3 begins when the first product 400 is read by an accounting device included in the store terminal 500 and the payment amount is confirmed. Here, the accounting device is a device for obtaining information about the contents or price of a product by reading the barcode of the product. When the accounting device performs the above process, the store terminal 500 also authenticates the second user 20 by facial recognition or the like. At this time, the store terminal 500 generates the user ID of the second user 20 and first product information.

[0064] First, in step S10, the acquisition unit 111 acquires the payment account 200a of the first user 10, the user ID of the second user 20, and the first product information. The acquisition unit 111 acquires the user ID of the second user 20 authenticated by the store terminal 500 from the store terminal 500. The acquisition unit 111 also communicates with the account server 200 to acquire the payment account 200a of the first user 10 linked to the user ID of the second user 20. The acquisition unit 111 may acquire the user ID of the second user 20 identified by face authentication from the corresponding information of the account server 200.

[0065] Next, in step S11, the usage authority determination unit 112 determines whether or not the second user 20 is granted the usage authority of the first payment means. It is determined whether or not the second user 20 has been granted authority to use the first payment means, based on information registered in account server 200 about the target to which first user 10 has granted authority to use the first payment means. At this time, acquisition unit 111 acquires information from account server 200 about the target to which first user 10 has granted authority to use the first payment means.

[0066] If the usage authority determination unit 112 determines that second user 20 has been granted the authority to use the first payment means, this step is determined as positive.

[0067] If the determination in this step is positive, the process proceeds to step S12.

[0068] If the determination in this step is negative, the process proceeds to step S13.

[0069] When the process transitions to step S12, the product determination unit 113 determines whether the first product 400 belongs to the first product category. The product determination unit 113 may determine whether the first product 400 matches a product included in the first product category based on information about the first product category, and if there is a match, determine that the first product 400 belongs to the first product category.

[0070] In this step, if the product determination unit 113 determines that the first product 400 belongs to the first product category, a positive determination is made.

[0071] If the determination in this step is positive, the process proceeds to step S13.

[0072] If the determination in this step is negative, the process ends.

[0073] When the process transitions to step S13, the payment permission unit 114 transmits a signal indicating that payment by the first payment means for the first product 400 is not permitted to be made to the store terminal 500. In other words, the payment permission unit 114 does not allow the store terminal 500 to perform payment processing for the first product 400 using the first payment means.

[0074] Next, a process in which the control unit 110 limits the payment process for the first product 400 by the first payment means based on the upper limit price of the first product 400 will be described.

[0075] In the process described in FIG. 3, the server device 100 determined whether or not to prohibit payment for the first product 400 based on whether the first product 400 belongs to a category in which purchase by the second user 20 is restricted.

[0076] In the next process illustrated in Fig. 4, the server device 100 prohibits the payment process when the purchase amount of the first product 400 by the second user 20 exceeds the upper limit set by the first user 10. The process illustrated in Fig. 4 is executed instead of the process illustrated in Fig. 3.

[0077] First, in step S20, acquisition unit 111 acquires payment account 200a of first user 10, the user ID of second user 20, and first product information. The process of step S20 is similar to step S10 described in FIG.

[0078] Next, in step S21, usage authority determination unit 112 determines whether or not second user 20 has been granted authority to use the first payment means. The process of step S21 is similar to step S11 described in FIG.

[0079] If the usage authority determination unit 112 determines that second user 20 has been granted the authority to use the first payment means, this step results in an affirmative determination.

[0080] If the determination in this step is positive, the process proceeds to step S22.

[0081] If the determination in this step is negative, the process proceeds to S24.

[0082] When the process transitions to step S22, the product determination unit 113 determines whether the first product 400 belongs to the second product category. Here, the second product category is a category of products for which the first user 10 has set an upper limit on the amount of purchases that the second user 20 will make. The product determination unit 113 may determine whether the first product 400 matches a product included in the second product category based on information about the second product category, and if there is a match, determine that the first product 400 belongs to the second product category.

[0083] If the product determination unit 113 determines that the first product 400 belongs to the second product category, this step is determined as positive.

[0084] If the determination in this step is positive, the process proceeds to step S23.

[0085] If the determination in this step is negative, the process ends.

[0086] When the process transitions to step S23, the product evaluation unit 113 determines whether or not the price of the first product 400 exceeds the upper limit price set by the first user 10. When there are multiple first products 400, it may be determined whether or not the total price of the multiple first products 400 exceeds the upper limit price.

[0087] If the product determination unit 113 determines that the price of the first product 400 exceeds the upper limit price set by the first user 10, this step is determined as positive.

[0088] If the determination in this step is positive, the process proceeds to step S24.

[0089] If the determination in this step is negative, the process ends.

[0090] When the process transitions to step S24, the payment permission unit 114 transmits a signal indicating that payment by the first payment means for the first product 400 is not permitted to be made to the store terminal 500. In other words, the payment permission unit 114 does not allow the store terminal 500 to perform payment processing for the first product 400 using the first payment means. In addition, when there are multiple first products 400 and the total amount of the multiple first products 400 exceeds the upper limit amount, the payment permission unit 114 may permit payment within the range that does not exceed the upper limit amount.

[0091] Next, a process in which the control unit 110 restricts the payment process for the first product 400 by the first payment means based on the allergen information of the first product 400 will be described.

[0092] In the next process illustrated in Fig. 5, the server device 100 determines whether the first product 400 contains an allergen for the second user 20. The server device 100 also prohibits the payment of the first product 400 containing the allergen from being made using the first payment method. The process illustrated in Fig. 5 is executed instead of the process illustrated in Fig. 3.

[0093] First, in step S30, the acquisition unit 111 acquires the payment account 200 of the first user 10. a, obtain the user ID of the second user 20 and the first product information. The process of step S30 is similar to step S10 described in FIG.

[0094] Next, in step S31, usage authority determination unit 112 determines whether or not second user 20 has been granted authority to use the first payment means. The process of step S31 is similar to step S11 described in FIG.

[0095] If the usage authority determination unit 112 determines that second user 20 has been granted the authority to use the first payment means, this step results in an affirmative determination.

[0096] If the determination in this step is positive, the process proceeds to step S32.

[0097] If the determination in this step is negative, the process proceeds to S34.

[0098] When the process transitions to step S32, the acquisition unit 111 acquires ingredient information of the first product 400 and allergen information of the second user 20. Here, the allergen information is information on allergen substances that may cause an allergy in the second user 20. The acquisition unit 111 communicates with an external device via the communication unit 130 to acquire the ingredient information of the first product 400. The acquisition unit 111 also communicates with the account server 200 via the communication unit 130 to acquire the allergen information of the second user 20.

[0099] Next, in step S33, the product evaluation unit 113 determines whether the ingredients of the first product 400 contain an allergen for the second user 20. If the substances constituting the ingredients included in the ingredient information of the first product 400 acquired by the acquisition unit 111 match the substances included in the allergen information of the second user 20, the product evaluation unit 113 may determine that the ingredients of the first product 400 contain an allergen for the second user 20.

[0100] If the determination in this step is positive, the process proceeds to step S34.

[0101] If the determination in this step is negative, the process ends.

[0102] When the process transitions to step S34, the payment permission unit 114 transmits a signal indicating that payment by the first payment means for the first product 400 is not permitted to be made to the store terminal 500. In other words, the payment permission unit 114 does not allow the store terminal 500 to perform payment processing for the first product 400 using the first payment means.

[0103] As described above, the server device 100 first determines whether the second user 20 is authorized to use the first payment method. If the second user 20 is authorized to use the first payment method, the server device 100 then determines whether the first product 400 that the second user 20 is to purchase satisfies a predetermined condition. As described above, the predetermined conditions are conditions related to the product category, total price, whether or not the product contains allergens, and the like.

[0104] If the first product 400 satisfies a predetermined condition, the server device 100 transmits a signal to the store terminal 500 indicating that payment for the first product 400 by the first payment means is not permitted. This makes it possible to prohibit payment for a product that the second user 20 is prohibited from purchasing, and to prevent the second user 20 from purchasing a product that the first user 10 does not intend.

[0105] (Modification) The above-described embodiment is merely an example, and the present disclosure can be modified and implemented as appropriate without departing from the spirit and scope of the present disclosure.

[0106] For example, the processes and means described in this disclosure can be freely combined and implemented as long as no technical contradiction occurs.

[0107] Furthermore, a process described as being performed by one device may be shared and executed by multiple devices. Alternatively, a process described as being performed by different devices may be executed by one device. In a computer system, the hardware configuration (server configuration) by which each function is realized can be flexibly changed.

[0108] The present disclosure can also be realized by supplying a computer program implementing the functions described in the above embodiments to a computer, and having one or more processors of the computer read and execute the program. Such a computer program may be provided to the computer by a non-transitory computer-readable storage medium connectable to the system bus of the computer, or may be provided to the computer via a network. Non-transitory computer-readable storage media include, for example, any type of disk, such as a magnetic disk (floppy disk, hard disk drive (HDD), etc.), an optical disk (CD-ROM, DVD disk, Blu-ray disk, etc.), a read-only memory (ROM), a random access memory (RAM), an EPROM, an EEPROM, a magnetic card, a flash memory, an optical card, and any type of medium suitable for storing electronic instructions. [Explanation of symbols]

[0109] 10. First User 20. Second User 100 Server device 110... Control unit 111...Acquisition part 112: Usage authority determination unit 113...Product Judgment Department 114...Payment authorization unit 120...Storage section 130 Communications Department 200...Account server 200a, 200b... Payment account 300...Credit card 400...1st product 500···Store terminal

Claims

1. Acquiring a payment account associated with a first user, a user ID of a second user different from the first user, and first product information including product information of a first product; determining whether the second user has been granted authority to use a payment method linked to the payment account by the first user based on the user ID of the second user; when it is determined that the second user is authorized to use the payment means, determining, based on the user ID of the second user and the first product information, whether or not the first product belongs to a first product category, which is a category of products that the second user is not permitted to purchase; when it is determined that the first product belongs to the first product category, transmitting a signal indicating that payment processing using the payment means for the first product is not permitted to be performed to a store terminal of a first store where the second user intends to purchase the first product; A control unit that executes Information processing device.

2. If the control unit determines that the second user is authorized to use the payment method, The control unit further determines, based on the user ID of the second user and the first product information, whether the first product belongs to a second product category, which is a category of products in which an upper limit amount for purchases by the second user is defined, and whether the price of the first product exceeds the upper limit amount; when it is determined that the first product belongs to the second product category and the price of the first product exceeds the upper limit amount, transmitting a signal indicating that payment processing using the payment means for the first product is not permitted to the store terminal in the first store; The information processing device according to claim 1 .

3. When there are a plurality of the first products, the control unit determines whether a category to which the plurality of first products belong and a total of prices of the plurality of first products exceed the upper limit price; when it is determined that the total price of the plurality of first products belonging to the second product category exceeds the upper limit price, a signal indicating that payment processing using the payment means for the plurality of first products is not permitted is transmitted to the store terminal in the first store; The information processing device according to claim 2 .

4. A storage unit that stores allergen information, which is information about an allergen substance for the second user, If the control unit determines that the second user is authorized to use the payment method, The control unit further acquires ingredient information which is information indicating ingredients of the first product, determining whether or not the ingredients of the first product contain the allergen substance for the second user based on the allergen information and the ingredient information; when it is determined that the raw materials of the first product contain the allergen for the second user, a signal indicating that payment processing using the payment means for the first product is not permitted is transmitted to the store terminal in the first store; 3. The information processing device according to claim 1 or 2.

5. A system including a server device and a store terminal, The server device includes: Acquiring a payment account associated with a first user, a user ID of a second user different from the first user, and first product information including product information of a first product; determining whether the second user has been granted authority to use a payment method linked to the payment account by the first user based on the user ID of the second user; when it is determined that the second user is authorized to use the payment means, determining, based on the user ID of the second user and the first product information, whether the first product belongs to a first product category, which is a category of products that the second user is not permitted to purchase; when it is determined that the first product belongs to the first product category, transmitting a signal indicating that payment processing using the payment means for the first product is not permitted to the store terminal of the first store where the second user intends to purchase the first product; Execute, system.

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