Program, information processing method, and information processing system

Abstract

To provide a program or the like that can flexibly cope with a management mode desired by a user.SOLUTION: According to one aspect of the present invention, a program is provided. This program is configured to cause a computer to execute an acquisition step, a specification step, and a consumption step. In the acquisition step, balance consumption control data that controls balance consumption in a payment with electronic money is acquired. In the specification step, a usage balance, which is a balance used for the payment, is specified based on the balance consumption control data and reference information. Among multiple balances including a wallet and a usage set balance, the usage balance is a balance specified from the usage set balance. The wallet is a balance with no restrictions on usage. The usage set balance is a balance set for an expected usage. The reference information is information indicating a relationship between the balance consumption control data and the type of the usage set balance. In the consumption step, electronic money is consumed from the usage balance.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a program, an information processing method, and an information processing system. [Background technology]

[0002] Patent Document 1 discloses an information processing device.

[0003] This information processing device will be described. The payment server (information processing device), in which a terminal device and a payment server are connected to each other via a network so that they can communicate with each other wired or wirelessly, includes a setting unit that sets a use-limited balance that has limited uses, in addition to a normal balance that has no use-limited uses, as a balance available for payments using the terminal device, and a management unit that manages the normal balance and the use-limited balance separately. The setting unit sets the use-limited balance for each use. The management unit manages the use-limited balance set for each use separately. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2022-104417 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, the information processing device disclosed in Patent Document 1 merely separates prepaid cards according to the store where the cards are used or according to the brand, and therefore does not adequately meet the management needs of users.

[0006] In view of the above circumstances, the present invention provides a program etc. that can flexibly accommodate the management style desired by the user. [Means for solving the problem]

[0007] According to one aspect of the present invention, a program is provided. The program is configured to cause a computer to execute an acquisition step, a specification step, and a consumption step. In the acquisition step, balance consumption control data that controls consumption of a balance in a payment with electronic money is acquired. In the specification step, a usage balance, which is a balance used in a payment, is specified based on the balance consumption control data and reference information. The usage balance is a balance specified from among a set-purpose balance among a plurality of balances including wallet and set-purpose balance. A wallet is a balance with no limited use. A set-purpose balance is a balance set for an assumed use. The reference information is information indicating the relationship between the balance consumption control data and the type of set-purpose balance. In the consumption step, electronic money is consumed from the usage balance.

[0008] According to this embodiment, it is possible to flexibly respond to the management mode desired by the user. [Brief description of the drawings]

[0009] [Figure 1] 1 is a configuration diagram illustrating an information processing system 100. [Diagram 2] FIG. 2 is a block diagram showing a hardware configuration of an information processing device 200. [Diagram 3] FIG. 2 is a block diagram showing a hardware configuration of a terminal 300. [Figure 4] FIG. 2 is a block diagram showing functions realized by an information processing device 200 (a control unit 210). [Diagram 5] 2 is an activity diagram showing the flow of information processing executed by information processing device 200. FIG. [Figure 6] 2 is an activity diagram showing the flow of information processing executed by information processing device 200. FIG. [Figure 7] 2 is an activity diagram showing the flow of information processing executed by information processing device 200. FIG. [Figure 8] 3 is a diagram showing an example of a screen displayed on a display unit 330 of a terminal 300 according to the present embodiment. FIG. [Figure 9]FIG. 13 is a diagram showing an example of a screen corresponding to activity A290. [Figure 10] FIG. 13 is a diagram showing an example of a screen corresponding to activity A320. [Figure 11] FIG. 13 is a diagram showing an example of a screen when transferring electronic money from a purpose-specific account (a balance set as a second purpose that cannot be used for payments). [Figure 12] FIG. 13 is a diagram showing an example of sharing multiple balances between different terminals. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described with reference to the drawings. Various characteristic features shown in the following embodiments can be combined with each other.

[0011] Incidentally, the program for realizing the software appearing in this embodiment may be provided as a non-temporary computer-readable recording medium, or may be provided so as to be downloadable from an external server, or may be provided so that the program is started on an external computer and its functions are realized on a client terminal (so-called cloud computing).

[0012] In addition, in this embodiment, the term "unit" may include, for example, a combination of hardware resources implemented by a circuit in the broad sense and software information processing that can be specifically realized by these hardware resources. In addition, in this embodiment, various information is handled, and this information is represented, for example, by physical values ​​of signal values ​​representing voltage and current, high and low signal values ​​as a binary bit collection consisting of 0 or 1, or quantum superposition (so-called quantum bits), and communication and calculation can be performed on the circuit in the broad sense.

[0013] In addition, a circuit in the broad sense is a circuit realized by at least appropriately combining a circuit, circuitry, a processor, a memory, etc. In other words, it includes an application specific integrated circuit (ASIC), a programmable logic device (e.g., a simple programmable logic device (SPLD), a complex programmable logic device (CPLD), and a field programmable gate array (FPGA)), etc.

[0014] 1. Hardware Configuration In the first section, the hardware configuration of this embodiment will be described.

[0015] 1-1. Information processing system 100 FIG. 1 is a configuration diagram showing an information processing system 100. The information processing system 100 provides a prepaid card service of a cloud type or as an application. The information processing system 100 includes an information processing device 200 and a terminal 300, which are connected via a network. These components will be further described. Here, a system exemplified as the information processing system 100 is composed of one or more devices or components. Therefore, for example, even the information processing device 200 alone can become a system exemplified as the information processing system 100.

[0016] 1-2. Information processing device 200 2 is a block diagram showing a hardware configuration of the information processing device 200. The information processing device 200 is a server that manages the balance of a prepaid card corresponding to each user's account. The information processing device 200 has a control unit 210, a storage unit 220, and a communication unit 250, and these components are electrically connected via a communication bus 260 inside the information processing device 200. Each component will be further described.

[0017] The control unit 210 performs processing and control of the overall operation related to the information processing device 200. The control unit 210 is, for example, a central processing unit (CPU) not shown. The control unit 210 realizes various functions related to the information processing device 200 by reading out a predetermined program stored in the storage unit 220. That is, information processing by software stored in the storage unit 220 can be specifically realized by the control unit 210, which is an example of hardware, and executed as each functional unit included in the control unit 210. These will be further described in Section 2. Note that the control unit 210 is not limited to being single, and may be implemented to have multiple control units 210 for each function. Also, a combination of these may be used.

[0018] The storage unit 220 stores various information necessary for information processing of the information processing device 200. This can be implemented, for example, as a storage device such as a solid state drive (SSD) that stores various programs related to the information processing device 200 executed by the control unit 210, or as a memory such as a random access memory (RAM) that stores temporarily required information (arguments, arrays, etc.) related to the calculation of the program. Also, it may be a combination of these.

[0019] The communication unit 250 is preferably a wired communication means such as USB, IEEE1394, Thunderbolt (registered trademark), wired LAN network communication, etc., but may also include wireless LAN network communication, mobile communication such as 5G / LTE / 3G, Bluetooth (registered trademark) communication, etc. as necessary. In other words, it is more preferable to implement it as a collection of multiple communication means. In other words, the information processing device 200 communicates various information with the terminal 300 via the communication unit 250 and the network.

[0020] 1-3. Terminal 300 3 is a block diagram showing a hardware configuration of the terminal 300. The terminal 300 is a terminal used by a user, and may be a smartphone terminal, a tablet terminal, a desktop personal computer, a notebook computer, or the like. The terminal 300 has a control unit 310, a storage unit 320, a display unit 330, an input unit 340, and a communication unit 350, and these components are electrically connected inside the terminal 300 via a communication bus 360. Descriptions of the control unit 310, the storage unit 320, and the communication unit 350 are omitted because they are substantially similar to the descriptions of the control unit 210, the storage unit 220, and the communication unit 250 in the information processing device 200.

[0021] The display unit 330 may be included in the housing of the terminal 300 or may be externally attached. The display unit 330 displays a screen of a graphical user interface (GUI) that can be operated by a user. This is preferably implemented by using display devices such as a CRT display, a liquid crystal display, an organic EL display, and a plasma display depending on the type of the terminal 300. In the following, the display unit 330 will be described as being included in the housing of the terminal 300.

[0022] The input unit 340 may be included in the housing of the terminal 300, or may be externally attached. For example, the input unit 340 may be implemented as a touch panel integrated with the display unit 330. If it is a touch panel, the user can input a tap operation, a swipe operation, or the like. Of course, a switch button, a mouse, a QWERT keyboard, or the like may be adopted instead of the touch panel. That is, the input unit 340 accepts an operation input made by the user. The input is transferred to the control unit 310 via the communication bus 360 as a command signal. Then, the control unit 310 can execute a predetermined control or calculation as necessary.

[0023] 2. Functional configuration The functional configuration of this embodiment will be described in Section 2. As described above, information processing by software stored in the storage unit 220 is specifically realized by the control unit 210, which is an example of hardware, and can be executed as each functional unit included in the control unit 210.

[0024] FIG. 4 is a block diagram showing functions realized by the information processing device 200 (control unit 210). As described above, the information processing device 200 (information processing system) includes the control unit 210. Specifically, the information processing device 200 (control unit 210) is configured to be able to execute each step of the program of this embodiment. The information processing device 200 (control unit 210) includes an acquisition unit 211, a specification unit 212, a consumption unit 213, and a selection unit 214 corresponding to each step of the program of this embodiment. Here, the program of this embodiment is configured to cause a computer to execute an acquisition step, a specification step, a consumption step, and a selection step.

[0025] The acquiring unit 211 is configured to acquire various information. The acquiring unit 211 is configured to execute an acquiring step. For example, the acquiring unit 211 acquires balance consumption control data that controls the consumption of a balance in a payment using electronic money.

[0026] Electronic money may be, for example, points or currency used independently by each company, or it may be currency provided by a country, such as Japanese yen or dollars, that can be traded electronically.

[0027] The balance consumption control data is not particularly limited as long as it is data that controls the consumption of the balance, and may be, for example, data sent from a card issuer upon execution of authorization (hereinafter also referred to as "authorization data"), data sent to the terminal 300 as a receipt at the time of payment (hereinafter also referred to as "electronic receipt"), data in an account aggregation service that manages purchase history at online stores, etc. (hereinafter also referred to as "agridata"), etc. The balance consumption control data may further be data obtained by photographing and OCR-reading a paper receipt at the time of payment at a store, data obtained from an email containing payment information at the time of payment at an online store, etc.

[0028] The identifying unit 212 is configured to identify various information. The identifying unit 212 is configured to execute an identifying step. For example, the identifying unit 212 is configured to identify a usage balance, which is a balance used for payment with electronic money, based on the balance consumption control data and the reference information.

[0029] The usage balance is a balance specified from among the set-purpose balances among multiple balances including wallet and set-purpose balance. Wallet is a balance with no restrictions on use. Set-purpose balance is a balance set for an intended use. Reference information is information indicating the relationship between the balance consumption control data and the type of set-purpose balance.

[0030] The consuming unit 213 is configured to consume various information such as electronic money to proceed with the payment process. The consuming unit 213 is configured to execute a consuming step. For example, the consuming unit 213 consumes an amount of electronic money necessary for the payment from the specified usage balance.

[0031] The selection unit 214 is configured to cause the user to select various information. The selection unit 214 is configured to execute a selection step. For example, the selection unit 214 causes the user to select whether or not to consume electronic money from the wallet when the amount of electronic money required for payment is greater than the amount of electronic money in the specified usage balance.

[0032] 3. Information processing method In the third section, the flow of the information processing method of the information processing device 200 described above will be described. This information processing method includes each step of the program of this embodiment. This information processing method may be executed by a computer. This information processing method includes an acquisition step, a specification step, and a consumption step. In the acquisition step, balance consumption control data that controls the consumption of the balance in a payment with electronic money is acquired. In the specification step, a usage balance, which is the balance used in the payment, is specified based on the acquired balance consumption control data and reference information. The usage balance is a balance specified from the usage set balance among multiple balances including the wallet and the usage set balance. The wallet is a balance with no limited usage. The usage set balance is a balance set for an assumed usage. The reference information is information indicating the relationship between the balance consumption control data and the type of the usage set balance. In the consumption step, electronic money is consumed from the specified usage balance.

[0033] 5 to 7 are activity diagrams showing the flow of information processing executed by information processing device 200. Below, an explanation will be given along with each activity in this activity diagram. Here, it is assumed that terminal 300 is a smartphone terminal owned by user A. It is assumed that user A is going to purchase a product in store C and has proceeded with payment processing using electronic money.

[0034] First, the control unit 310 in the terminal 300 executes a payment process using electronic money (activity A110).

[0035] In activity A110, for example, the following two-stage information processing is executed. (1) The control unit 310 transmits a request signal for payment processing with electronic money (hereinafter also referred to as an "authorization message") to the terminal of store C via the communication unit 350. (2) The terminal of store C transmits the authorization message to the information processing device 200.

[0036] Next, the control unit 210 in the information processing device 200 acquires authorization data corresponding to the received authorization message (activity A120). This authorization data includes information such as the category of store C (e.g., drug store) and the price of the product (amount required for this payment). In other words, in the acquisition step, balance consumption control data that controls the consumption of the balance in payment with electronic money is acquired.

[0037] In activity A120, for example, the following four-stage information processing is executed. (1) The communication unit 250 receives an authorization message from the terminal of store C. (2) The control unit 210 executes authorization based on the authorization message. (3) The control unit 210 acquires the result of executing authorization (authorization data). (4) The control unit 210 stores the authorization data in the memory unit 220.

[0038] Next, the control unit 210 in the information processing device 200 sets the count number N to 1 (activity A130). This count number N is used in the process of activity A140.

[0039] In activity A130, for example, the following three-stage information processing is executed. (1) The control unit 210 reads data on the count number N (hereinafter also simply referred to as "count number N") from the storage unit 220. (2) The control unit 210 executes a setting process and sets the count number N to 1. (3) The control unit 210 stores the set count number N in the storage unit 220.

[0040] Next, the control unit 210 in the information processing device 200 determines whether the count number N is 3 or not (activity A140). If the count number N is 3, the control unit 210 proceeds to the processing of activity A330. If the count number N is not 3, the control unit 210 proceeds to the processing of activity A150. Note that the count number N in activity A140 is not limited to 3, and can be set arbitrarily according to the number of balance consumption control data to be obtained.

[0041] In activity A140, for example, the following three-stage information processing is executed: (1) The control unit 210 reads out the count number N from the storage unit 220. (2) The control unit 210 executes a judgment process and judges whether the count number N is 3 or not. (3) The control unit 210 moves to the next process based on the result of the judgment process.

[0042] Next, the control unit 210 in the information processing device 200 executes a process of identifying the used balance to be used in the current payment process (activity A150). In other words, the identifying step is configured to identify the used balance, which is the balance to be used in the payment, based on the balance consumption control data and the reference information.

[0043] Here, the usage balance is a balance specified from among the set-purpose balances among multiple balances including the wallet and set-purpose balance. Also, the wallet is a balance with no limited use. Furthermore, the set-purpose balance is a balance set for an assumed use, and does not have to be limited to only the set use.

[0044] The reference information is information indicating a relationship between the balance consumption control data and the type of the balance set for use. In this embodiment, the reference information is a trained model that has been trained using the relationship between the balance consumption control data and the type of the balance set for use as training data.

[0045] In activity A150, for example, the following three-stage information processing is executed. (1) The control unit 210 reads out the authorization data and the trained model from the memory unit 220. (2) The control unit 210 executes a specification process and attempts to specify a usage balance that matches the authorization data. (3) When the control unit 210 specifies the usage balance, it stores data on the specified usage balance (hereinafter also simply referred to as the "usage balance") in the memory unit 220.

[0046] Next, the control unit 210 in the information processing device 200 determines whether or not the usage balance has been specified in the activity A150 (activity A160). If the usage balance has been specified, the control unit 210 proceeds to the processing of the activity A210. If the usage balance has not been specified, the control unit 210 proceeds to the processing of the activity A170.

[0047] In activity A160, for example, the following two-stage information processing is executed: (1) The control unit 210 executes a judgment process to judge whether or not the used balance to be used in the current payment process is stored in the storage unit 220. (2) The control unit 210 moves to the next process based on the judgment result.

[0048] Next, the control unit 210 in the information processing device 200 determines whether or not electronic money corresponding to the amount required for this payment (hereinafter also referred to as the "payment amount") has been consumed from the wallet (activity A170). If electronic money has been consumed from the wallet, the control unit 210 proceeds to the processing of activity A190. If electronic money has not yet been consumed from the wallet, the control unit 210 proceeds to the processing of activity A180.

[0049] In activity A170, for example, the following three-stage information processing is executed. (1) The control unit 210 reads the wallet spending history from the storage unit 220. (2) The control unit 210 executes a determination process to determine whether or not electronic money corresponding to the payment amount has been spent from the wallet. (3) The control unit 210 moves to the next process based on the determination result.

[0050] Next, the control unit 210 in the information processing device 200 consumes electronic money corresponding to the payment amount from the wallet (activity A180). In other words, in the consumption step, electronic money corresponding to the payment amount is consumed from the wallet. According to this embodiment, it is possible to prevent delays in the payment process due to the fact that the used balance is (temporarily) not specified.

[0051] In activity A180, for example, the following two-stage information processing is executed: (1) The control unit 210 reads data on the payment amount from the storage unit 220. (2) The control unit 210 executes a consumption process and consumes electronic money from the wallet based on the payment amount.

[0052] Next, the control unit 210 in the information processing device 200 executes an acquisition process of balance consumption control data (other balance consumption control data) other than the authorization data (activity A190). Here, the other balance consumption control data is assumed to be an electronic receipt. In other words, in the acquisition step, if the used balance is not identified in the identification step, the other balance consumption control data can be further acquired.

[0053] In the activity A190, for example, the following three-stage information processing is executed. (1) The control unit 210 transmits a transmission request for the electronic receipt acquired in the terminal 300 to the terminal 300 via the communication unit 250. (2) The communication unit 250 receives the electronic receipt from the terminal 300. (3) The control unit 210 stores the electronic receipt in the storage unit 220.

[0054] Next, the control unit 210 in the information processing device 200 increments the count number N (activity A200).

[0055] In activity A200, for example, the following three-stage information processing is executed: (1) The control unit 210 reads out the count number N from the storage unit 220. (2) The control unit 210 increments the count number N. (3) The control unit 210 stores the incremented count number N in the storage unit 220.

[0056] Next, the control unit 210 in the information processing device 200 executes the processing of activity A150 via activity A140. In other words, activity A150 after activity A190 is configured to specify the used balance based on other balance consumption control data and reference information in the specifying step. According to this embodiment, for example, if the used balance cannot be specified by the authorization data alone, the used balance can be automatically specified by using the balance consumption control data (e.g., an electronic receipt) acquired thereafter.

[0057] Next, the control unit 210 in the information processing device 200 judges whether or not there is a shortage of the balance for the payment amount (activity A210). The targets for judging the shortage of the balance are the wallet, which is a balance with no limited use, and the usage balance, which is a balance specified from the set use balance. If there is a shortage of both the wallet and usage balance, the control unit 210 proceeds to the processing of activity A340. If there is a shortage of at least one of the wallet and usage balance, the control unit 210 proceeds to the processing of activity A220.

[0058] In activity A210, for example, the following four stages of information processing are executed. (1) The control unit 210 reads the payment amount from the memory unit 220. (2) The control unit 210 reads the amount of electronic money in the wallet (hereinafter also referred to as the "wallet balance") and the amount of electronic money in the usage balance (hereinafter also simply referred to as the "usage balance") from the memory unit 220. (3) The control unit 210 executes a judgment process and judges whether or not there is a shortage of the balance for the payment amount. (4) Based on the judgment result, the control unit 210 proceeds to the next process.

[0059] Next, the control unit 210 in the information processing device 200 determines which balance is insufficient (activity A220). If both the wallet balance and the amount of electronic money in the usage balance are insufficient, the control unit 210 determines that the payment is not possible and suspends the payment process. If the usage balance is insufficient, the control unit 210 proceeds to the processing of activity A320. If the wallet balance is insufficient, the control unit 210 proceeds to the processing of activity A230.

[0060] Next, the control unit 210 in the information processing device 200 causes the user to select both the set use balance from which electronic money is consumed in activity A280 and the set use balance from which electronic money is transferred to the wallet in activity A300 (hereinafter also referred to as the "target set use balance") (activity A230). In other words, the selection step is configured to allow the type of set use balance to be selected. According to this embodiment, the transfer source of electronic money can be selected depending on the situation.

[0061] In activity A230, for example, the following three-stage information processing is executed: (1) The control unit 210 reads out the type of use-assigned balance linked to the account of user A from the storage unit 220. (2) The control unit 210 executes a selection process and transmits data on the type of the use-assigned balance to be targeted and a signal on a selection process request for selecting the use-assigned balance to the terminal 300 via the communication unit 250.

[0062] Next, the control unit 310 in the terminal 300 receives data on the type of the target use-set balance and a signal on a selection process request from the information processing device 200 via the communication unit 350 (activity A240).

[0063] Next, the control unit 310 in the terminal 300 waits until a target use-set balance is selected (activity A250).

[0064] In activity A250, for example, the following two-stage information processing is executed: (1) The input unit 340 accepts an input for selecting the target use set balance; (2) The control unit 310 stores the input selection result in the storage unit 320.

[0065] Next, the control unit 310 in the terminal 300 transmits the selection result of the target use set balance to the information processing device 200 (activity A260).

[0066] In activity A260, for example, the following two-stage information processing is executed. (1) The control unit 310 reads out the selection result of the target set use balance from the storage unit 320. (2) The control unit 310 transmits the selection result of the target set use balance to the information processing device 200 via the communication unit 350.

[0067] Next, the control unit 210 in the information processing device 200 receives the selection result of the target use set balance (activity A270).

[0068] In activity A270, for example, the following two-stage information processing is executed. 3(1) The communication unit 250 receives the selection result of the target use set balance from the terminal 300. (2) The control unit 210 stores the received selection result in the storage unit 220.

[0069] Next, the control unit 210 in the information processing device 200 consumes electronic money from the selected use set balance according to the payment amount (activity A280). "Consuming electronic money according to the payment amount" means, for example, that if the payment amount is 500 yen, electronic money worth 500 yen is consumed. In other words, in the selection step, electronic money is consumed from the selected use set balance according to the payment amount.

[0070] In activity A280, for example, the following three-stage information processing is executed. (1) The control unit 210 reads the selection result of the target use set balance from the storage unit 220. (2) The control unit 210 executes a consumption process and consumes electronic money from the selected use set balance according to the payment amount. (3) The control unit 210 stores the use set balance after the electronic money is consumed in the storage unit 220.

[0071] Next, the control unit 210 in the information processing device 200 determines a policy for processing electronic money into the wallet, which is a balance with no usage restrictions (activity A290). In activity A290, substantially the same processing as the processing of activities A230 to A270 is executed. When transferring electronic money from the selected usage-set balance, the control unit 210 proceeds to processing activity A300. When charging electronic money from a bank account linked to user A's account, the control unit 210 proceeds to processing activity A310.

[0072] In activity A290, for example, the following three-stage information processing is executed. (1) The control unit 210 transmits a signal related to a selection processing request to the terminal 300 via the communication unit 250 to select a policy for processing electronic money into the wallet. (2) The communication unit 250 receives data related to the policy selected in the terminal 300 from the terminal 300. (3) The control unit 210 stores the data related to the policy in the storage unit 220. Note that the data related to the policy may include information related to the amount of electronic money to be transferred and information related to the amount of electronic money to be charged.

[0073] Next, the control unit 210 in the information processing device 200 transfers electronic money from the selected use set balance to the wallet (activity A300). Here, it is assumed that the amount of electronic money to be transferred is determined by the terminal 300 in activity A290. In other words, in the selection step, electronic money is transferred from the selected use set balance to the wallet.

[0074] In activity A300, for example, the following three-stage information processing is executed. (1) The control unit 210 reads the determined amount of electronic money from the storage unit 220. (2) The control unit 210 executes a transfer process to transfer electronic money from the selected use set balance to the wallet. (3) The control unit 210 stores the use set balance and wallet balance after the transfer process in the storage unit 220.

[0075] Next, the control unit 210 in the information processing device 200 charges the wallet with electronic money from the bank account linked to the account of user A (activity A310). Here, the amount of electronic money to be charged is assumed to have been determined by the terminal 300 in activity A290. In other words, in the selection step, electronic money not linked to multiple balances is charged to the wallet.

[0076] In activity A310, for example, the following three-stage information processing is executed. (1) The control unit 210 reads the determined amount of electronic money from the storage unit 220. (2) The control unit 210 executes a charge process to charge the wallet with electronic money from the bank account. (3) The control unit 210 stores the wallet balance after the charge process in the storage unit 220.

[0077] In this way, in activities A230 to A310, information processing is performed when the amount of electronic money required for payment is greater than the amount of electronic money in the wallet. According to this embodiment, it is possible to realize smooth payment without stopping the payment process.

[0078] Next, when the amount of electronic money required for payment is greater than the amount of electronic money in the usage balance, the control unit 210 in the information processing device 200 allows the user to select whether or not to consume electronic money from the wallet, which is a balance with no usage restrictions (activity A320). In activity A320, processing is performed that is substantially similar to the processing of activities A230 to A270. In other words, in the selection step, the user is allowed to select whether or not to consume electronic money from the wallet.

[0079] If it is selected not to consume electronic money from the wallet, the control unit 210 determines that the payment is not possible and suspends the payment process. If it is selected to consume electronic money from the wallet, the control unit 210 transitions to the processing of activity A330. According to this embodiment, it is possible to realize a smooth payment without stopping the payment process.

[0080] Next, the control unit 210 in the information processing device 200 consumes electronic money corresponding to the payment amount from the wallet (activity A330). Activity A330 includes cases where it is the next activity after the count number N becomes 3 in activity A250. In other words, in the consumption step, if the usage balance cannot be specified because there is no usage-set balance corresponding to the balance consumption control data, electronic money is consumed from the wallet. According to this aspect, even if it is impossible to specify the usage balance, it is possible to improve user convenience at the time of payment.

[0081] In activity A330, for example, the following three-stage information processing is executed. (1) The control unit 210 reads data on the payment amount from the storage unit 220. (2) The control unit 210 executes a consumption process and consumes electronic money corresponding to the payment amount from the wallet. (3) The control unit 210 stores the wallet balance after the consumption process in the storage unit 220.

[0082] Next, the control unit 210 in the information processing device 200 consumes electronic money corresponding to the payment amount from the identified usage balance (activity A340). In other words, in the consumption step, electronic money corresponding to the payment amount (the amount of the payment amount) is consumed from the identified usage balance.

[0083] In activity A340, for example, the following three-stage information processing is executed. (1) The control unit 210 reads data on the payment amount from the storage unit 220. (2) The control unit 210 executes a consumption process and consumes electronic money from the usage balance based on the payment amount. (3) The control unit 210 stores in the storage unit 220 the amount of electronic money in the usage balance after the consumption process.

[0084] Next, the control unit 210 in the information processing device 200 determines whether or not the used balance in this payment has been identified using other balance consumption control data (electronic receipt) (activity A350). If the control unit 210 has identified the used balance using the electronic receipt, it proceeds to the processing of activity A360. If the control unit 210 has identified the used balance using authorization data or has not been able to identify the used balance using the electronic receipt, it proceeds to the processing of activity A370.

[0085] Next, the control unit 210 in the information processing device 200 transfers electronic money from the specified usage balance to the wallet (activity A360). Activity A360 is executed because electronic money is temporarily consumed from the wallet in activity A180. In other words, in the consumption step, electronic money is transferred from the usage balance to the wallet.

[0086] In activity A360, for example, the following three-stage information processing is executed. (1) The control unit 210 reads data on the payment amount from the memory unit 220. (2) The control unit 210 executes a transfer process and transfers electronic money corresponding to the payment amount from the usage balance to the wallet. (3) The control unit 210 stores in the memory unit 220 the amount of electronic money in the usage balance after the transfer and the amount of electronic money in the wallet after the transfer.

[0087] Next, the control unit 210 in the information processing device 200 generates display information regarding the multiple balances after the payment process (activity A370).

[0088] In activity A370, for example, the following three-stage information processing is executed. (1) The control unit 210 reads information about multiple balances from the storage unit 220. (2) The control unit 210 executes a generation process to generate display information about the multiple balances. (3) The control unit 210 stores the generated display information in the storage unit 220.

[0089] Next, the control unit 210 in the information processing device 200 transmits the generated display information to the terminal 300 (activity A380).

[0090] In activity A380, for example, the following two-stage information processing is executed: (1) The control unit 210 reads out the generated display information from the storage unit 220. (2) The control unit 210 transmits the generated display information to the terminal 300 via the communication unit 250.

[0091] Next, the control unit 310 in the terminal 300 receives the transmitted display information from the information processing device 200 (activity A390).

[0092] In activity A390, for example, the following two-stage information processing is executed: (1) The communication unit 350 receives the display information transmitted from the information processing device 200. (2) The control unit 310 causes the storage unit 320 to store the received display information.

[0093] Next, the control unit 310 in the terminal 300 causes the display unit 330 to display the received display information (activity A400).

[0094] In activity A400, for example, the following two-stage information processing is executed: (1) The control unit 310 reads out the received display information from the storage unit 320. (2) The control unit 310 causes the display unit 330 to display the received display information.

[0095] According to the above information processing method, it is possible to improve the convenience of the user during payment and to flexibly respond to the management mode desired by the user. In addition, because of the simple configuration, the saved resources can be used for other core functions.

[0096] 4. Screen example In Section 4, examples of screens in this embodiment will be described.

[0097] 8 is a diagram showing an example of a screen of this embodiment displayed on the display unit 330 of the terminal 300. On the display unit 330, an area 311, an area 312, and an area 313 are displayed.

[0098] The main balance is displayed in area 311. The main balance corresponds to a wallet, which is a balance with no restrictions on use. The main balance is displayed as 120,000 yen.

[0099] In area 312, pockets are displayed. The pockets correspond to a use-set balance, which is a balance set for an expected use, and in particular correspond to a first use-set balance that can be used for payment. The pocket (food) is a pocket set as a balance that can be used for food. The pocket (hobbies) is a pocket set as a balance that can be used for hobbies. The pocket (food) is displayed as 40,000 yen. The pocket (hobbies) is displayed as 30,000 yen.

[0100] Here, the pocket (food expenses) and the pocket (hobbies) are set in advance (initial settings). According to this embodiment, the automatic consumption process of electronic money can be simplified. In addition, the pocket can be added arbitrarily.

[0101] Area 313 displays accounts by purpose. An account by purpose corresponds to a set purpose balance, which is a balance set for an expected purpose, and in particular corresponds to a second set purpose balance that cannot be used for payment. In this example, a travel savings account is set as the set purpose account. The balance of the travel savings is displayed as 500,000 yen.

[0102] In this way, by including the first use assigned balance and the second use assigned balance as the use assigned balance, electronic money can be managed more flexibly.

[0103] 9 is a diagram showing an example of a screen corresponding to activity A 290. The display unit 330 displays the text "Your main balance is insufficient. What action would you like to take?". The display unit 330 displays an area 321, an area 322, and an OK button 323.

[0104] Area 321 displays options for what to do when the main balance is insufficient. The options displayed here are "Transfer from Hobby Pocket to Main Balance," "Charge Main Balance from Bank Account," and "Cancel Payment." Here, as an example, "Charge Main Balance from Bank Account" is checked.

[0105] Area 322 displays options for the recharge amount to be recharged to the main balance. The recharge amount can be selected from 1,000 yen, 2,000 yen, and 5,000 yen.

[0106] An OK button 323 is a button to be tapped when there is no problem with the settings in areas 321 and 322. By tapping, the settings are confirmed and the processes of activities A290 and A310 are executed.

[0107] 10 is a diagram showing an example of a screen corresponding to activity A 320. The display unit 330 displays the text "Your pocket (food) balance is insufficient. What action would you like to take?". The display unit 330 displays an area 331, an area 332, and an OK button 333.

[0108] Area 331 displays options for what to do when the pocket balance is insufficient. The options displayed here are "Pay by spending from the main balance" and "Cancel payment." Here, as an example, "Pay by spending from the main balance" is checked.

[0109] The payment amount, pocket (food) balance, and main balance are displayed in area 332. The contents displayed in area 332 are for reference and may help with selection in area 331. Here, as an example, the payment amount is displayed as 1,500 yen, the pocket (food) balance is displayed as 1,200 yen, and the main balance is displayed as 38,000 yen.

[0110] The OK button 333 is a button to be tapped when there is no problem with the settings in the area 331. By tapping, the settings are confirmed and the processing of activities A320 and A330 is executed.

[0111] Fig. 11 is a diagram showing an example of a screen when transferring electronic money from a purpose-specific account (a second purpose set balance that cannot be used for payment). The words "Transfer electronic money from a purpose-specific account" are displayed on the display unit 330. In Fig. 11, it is assumed that user A is shopping in store D during the Christmas season. Areas 341, 342, and an OK button 343 are displayed on the display unit 330.

[0112] Area 341 displays the source account by purpose "Travel Savings," the destination accounts "Main Balance," "Pocket (Food)," and "Pocket (Hobbies)," and further displays the source travel savings balance of 300,000 yen. Here, as an example, "Travel Savings" is checked as the source account and "Main Balance" is checked as the destination account.

[0113] Area 342 displays options for the amount to be transferred. Here, the options displayed are 1,000 yen, 2,000 yen, 5,000 yen, 10,000 yen, 20,000 yen, and 50,000 yen. Here, it is assumed that 50,000 yen has been selected.

[0114] The OK button 343 is a button to be tapped when there is no problem with the above settings. By tapping, the above settings are confirmed and the process of transferring electronic money from the purpose-specific account to the arbitrary transfer destination is executed.

[0115] 11, when a predetermined condition is satisfied, the second use set balance may be configured to be transferable to at least one of a wallet, which is a balance with no restrictions on use, and a first use set balance, which can be used for payment. According to this embodiment, the second use set balance can be used more effectively.

[0116] Here, the predetermined condition includes at least one of a predetermined date and time and a predetermined location. In FIG. 11, the predetermined date and time is "Christmas season" and the predetermined location is "Store D". According to this embodiment, it is possible to broaden the scope of electronic money management and improve the ease of use of the set purpose balance.

[0117] 12 is a diagram showing an example in which a plurality of balances are shared between different terminals. In FIG. 12, the terminal of user Y is terminal 400, and the terminal of user Z is terminal 500.

[0118] On the display unit 430 of the terminal 400, an area 411, an area 412, and an area 413 are displayed.

[0119] Area 411 displays "Two-person balance" and "Main balance for Y." The two-person balance is the main balance that can be used jointly by user Y and user Z. The main balance for Y is the main balance that can be used by user Y. Here, the two-person balance is displayed as 100,000 yen, and the main balance for Y is displayed as 50,000 yen.

[0120] In the area 412, POCKET (food expenses) and POCKET (hobbies) are displayed as POCKET (first use set balance available for payment). POCKET (food expenses) and POCKET (hobbies) are pockets that can be used by both user Y and user Z.

[0121] In area 413, travel savings is displayed as a separate account (a balance set for a second purpose that cannot be used for payment). Here, the balance of travel savings is not displayed to user Z. This is because the balance is set by user Y as a separate account, and is therefore set not to be visible to user Z, who is the co-owner.

[0122] On a display unit 530 of the terminal 500, an area 511, an area 512, and an area 513 are displayed.

[0123] Area 511 displays "Two-person balance" and "Z main balance." The two-person balance is the main balance that can be used by both user Y and user Z. The Z main balance is the main balance that can be used by user Z. Here, the two-person balance is displayed as 100,000 yen, and the Y main balance is displayed as 80,000 yen.

[0124] In the area 412, pocket (food expenses) and pocket (hobbies) are displayed as pockets. The pocket (food expenses) and pocket (hobbies) are pockets that can be used by both user Y and user Z.

[0125] In area 413, travel savings is displayed as a purpose-specific account. Here, the balance of the travel savings is not displayed to user Y. This is because the balance is set by user Z as a purpose-specific account, and is therefore set not to be visible to user Y, who is the co-owner.

[0126] As shown in Fig. 12, multiple balances may be shareable with other accounts. According to this embodiment, money in one's own account and other accounts can be managed in a unified manner.

[0127] Although the embodiment of the present invention has been described above, the present invention is not limited to this, and can be modified as appropriate without departing from the technical concept of the invention.

[0128] 5. Variations In Section 5, a modification of this embodiment will be described.

[0129] The control unit 210 performs write (storage) and read processes for various data and information in the memory unit 220, but is not limited to this and may perform information processing for each activity using, for example, a register or cache memory within the control unit 210.

[0130] The reference information may be any information that indicates the relationship between the balance consumption control data and the type of set use balance, and may be a database that stores lookup tables, a function that represents the correspondence between values ​​that are determined depending on certain variables, a mathematical model that mathematically relates multiple pieces of information, etc.

[0131] In activity A230, both the set balance for consuming electronic money in activity A280 and the set balance for transferring electronic money to a wallet in activity A300 are selected, but this is not limited to this. One of the set balance for consuming electronic money and the set balance for transferring electronic money to a wallet may be selected, or the processing of activities A230 to A270 may be omitted by using a preselected setting.

[0132] In the activity A310, electronic money is charged to the wallet from a bank account linked to the user A's account, but this is not limited to this. For example, electronic money may be charged to the wallet from a credit card linked to the user A's account.

[0133] In FIG. 12, each pocket displayed in area 412, each balance by purpose displayed in area 413, each pocket displayed in area 512, and each balance by purpose displayed in area 513 may be shared with other accounts or may be available only to the individual.

[0134] In the present embodiment, when the usage balance or wallet balance is insufficient in activity A210 (YES in activity A210), the processing shown in Figs. 9 to 11 is exemplified, but is not limited to this. The setting of how to control (process) when the usage balance or wallet balance is insufficient may be set in advance. In this case, when the usage balance or wallet balance is insufficient, the preset processing may be executed without going through a screen transition.

[0135] 6.Other It may be provided in any of the following ways:

[0136] (1) A program configured to cause a computer to execute an acquisition step, a determination step, and a consumption step, wherein in the acquisition step, balance consumption control data that controls the consumption of a balance in a payment with electronic money is acquired, and in the determination step, a usage balance, which is the balance to be used for the payment, is determined based on the balance consumption control data and reference information, wherein the usage balance is a balance determined from the usage-specified balance among multiple balances including wallet and usage-specified balance, wherein the wallet is a balance with no limited use, and the usage-specified balance is a balance set for an intended use, and the reference information is information indicating the relationship between the balance consumption control data and the type of the usage-specified balance, and in the consumption step, the electronic money is consumed from the usage balance.

[0137] According to such an embodiment, it is possible to improve the convenience of the user at the time of payment and to flexibly respond to the management mode desired by the user. In addition, because of the simple configuration, the saved resources can be used for other core functions.

[0138] (2) A program as described in (1) above, wherein the acquisition step is configured to further acquire other balance consumption control data if the used balance is not identified in the identification step, and the identification step is configured to identify the used balance based on the other balance consumption control data and the reference information.

[0139] According to this aspect, for example, if the remaining balance cannot be determined based on the authorization data alone, the remaining balance can be automatically determined using the balance consumption control data (for example, an electronic receipt) acquired thereafter.

[0140] (3) The program according to (2) above, wherein the consuming step consumes the electronic money from the wallet, and the consuming step transfers the electronic money from the usage balance to the wallet.

[0141] According to this embodiment, it is possible to prevent delays in the payment process due to the unused balance not being (temporarily) specified.

[0142] (4) A program according to (2) above, wherein in the consumption step, if the usage balance cannot be identified because the set use balance does not exist corresponding to the balance consumption control data, the program consumes the electronic money from the wallet.

[0143] According to this aspect, even if it is impossible to specify the remaining balance, it is possible to improve the convenience for the user when making a payment.

[0144] (5) A program according to any one of (1) to (4) above, wherein the set use balance is preset.

[0145] According to this embodiment, the automatic consumption process of electronic money can be facilitated.

[0146] (6) The program according to any one of (1) to (5) above, further configured to cause a computer to execute a selection step, in which, when an amount of the electronic money required for the payment is greater than the amount of the electronic money in the wallet, the selection step causes the computer to select whether to transfer the electronic money from the set-purpose balance to the wallet after consuming the electronic money from the set-purpose balance, or to charge the wallet with the electronic money that is not linked to the multiple balances.

[0147] According to this embodiment, smooth payment can be achieved without interrupting the settlement process.

[0148] (7) A program according to (6) above, wherein the selection step is configured to enable selection of the type of the set use balance.

[0149] According to this embodiment, the source of electronic money can be selected depending on the situation.

[0150] (8) The program according to any one of (1) to (5) above, further configured to cause the computer to execute a selection step, in which, when the amount of the electronic money required for the payment is greater than the amount of the electronic money in the usage balance, the computer is prompted to select whether or not to consume the electronic money from the wallet.

[0151] According to this embodiment, smooth payment can be achieved without interrupting the settlement process.

[0152] (9) A program in any one of (1) to (8) above, wherein the set use balance includes a first set use balance that can be used for the payment and a second set use balance that cannot be used for the payment.

[0153] According to this embodiment, electronic money can be managed more flexibly.

[0154] (10) The program described in (9) above, wherein the second use set balance enables the electronic money to be transferred to at least one of the wallet and the first use set balance when a predetermined condition is met.

[0155] According to this embodiment, the second use set balance can be utilized more effectively.

[0156] (11) In the program according to (10) above, the predetermined condition includes at least one of a predetermined date and time and a predetermined location.

[0157] According to this embodiment, it is possible to broaden the scope of electronic money management and improve the ease of use of the set-purpose balance.

[0158] (12) The program according to any one of (1) to (11) above, wherein the multiple balances can be shared between other accounts.

[0159] According to this embodiment, money in one's own account and other accounts can be managed in a unified manner.

[0160] (13) An information processing method comprising the steps of the program according to any one of (1) to (12) above.

[0161] According to such an embodiment, it is possible to improve the convenience of the user at the time of payment and to flexibly respond to the management mode desired by the user. In addition, because of the simple configuration, the saved resources can be used for other core functions.

[0162] (14) An information processing system comprising a control unit, the control unit being configured to be able to execute each step of the program recited in any one of (1) to (12) above.

[0163] According to such an embodiment, it is possible to improve the convenience of the user at the time of payment and to flexibly respond to the management mode desired by the user. In addition, because of the simple configuration, the saved resources can be used for other core functions. Of course, this is not the case. [Explanation of symbols]

[0164] 100: Information processing systems 200: Information processing device 210: Control section 211: Acquisition Department 212: Specific part 213:Consumption Department 214: Selection section 220: Storage section 250: Communications Department 260: Communication bus 300: Terminal 310: Control section 311 :Area 312: area 313: area 320: Storage section 321 :Area 322: area 323: OK button 330: Display section 331 :Area 332: area 333: OK button 340: Input section 341 :Area 342 :Area 343: OK button 350: Communications Department 360: Communication bus 400 : Terminal 411 :Area 412 :Area 413 :Area 430:Display section 500: Terminal 511 :Area 512 :Area 513 :Area 530:Display section

Claims

1. A program, configured to cause a computer to perform an obtaining step, an identifying step, and a consuming step; In the acquiring step, balance consumption control data for controlling consumption of a balance in a payment using electronic money is acquired, The determining step is configured to determine a usage balance, which is a balance used for the settlement, based on the balance consumption control data and reference information; The usage balance is a balance specified from among the set-purpose balance among a plurality of balances including a wallet balance and a set-purpose balance, The wallet is a balance with no limited use, The set-use balance is a balance set for an intended use, the reference information is information indicating a relationship between the balance consumption control data and a type of the set-purpose balance; In the consuming step, the electronic money is consumed from the usage balance. program.

2. The program according to claim 1, In the acquiring step, if the used balance is not identified in the identifying step, other balance consumption control data can be further acquired; The determining step is configured to determine the used balance based on the other balance consumption control data and the reference information. program.

3. The program according to claim 2, In the consuming step, the electronic money is consumed from the wallet, In the consuming step, the electronic money is transferred from the usage balance to the wallet. program.

4. The program according to claim 2, In the consuming step, when the usage balance is not specified because the set use balance does not exist corresponding to the balance consumption control data, the electronic money is consumed from the wallet. program.

5. The program according to claim 1, The set use balance is preset. program.

6. The program according to claim 1, Further configured to cause the computer to perform the selecting step, In the selection step, when an amount of the electronic money required for the payment is greater than an amount of the electronic money in the wallet, the user is prompted to select whether to transfer the electronic money from the set-purpose balance to the wallet after consuming the electronic money from the set-purpose balance, or to charge the wallet with the electronic money not linked to the multiple balances. program.

7. The program according to claim 6, In the selection step, a type of the set use balance can be selected. program.

8. The program according to claim 1, Further configured to cause the computer to perform the selecting step, in the selection step, when the amount of the electronic money required for the settlement is greater than the amount of the electronic money in the usage balance, the user is prompted to select whether or not to consume the electronic money from the wallet; program.

9. The program according to claim 1, The set use balance includes a first set use balance that can be used for the payment and a second set use balance that cannot be used for the payment. program.

10. The program according to claim 9, The second use set balance allows the electronic money to be transferred to at least one of the wallet and the first use set balance when a predetermined condition is satisfied. program.

11. The program according to claim 10, The predetermined condition includes at least one of a predetermined date and time and a predetermined location. program.

12. The program according to claim 1, The balances can be shared with other accounts. program.

13. 1. An information processing method, comprising: The program comprises the steps of any one of claims 1 to 12, Information processing methods.

14. An information processing system, A control unit is provided, The control unit is configured to be able to execute each step of the program according to any one of claims 1 to 12. Information processing system.

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