Information processor, information processing system, information processing method, and program

Abstract

To provide an information processor, an information processing system, an information processing method, and a program that improve user convenience.SOLUTION: An information processor performs processing steps of: acquiring authorization information related to approval of a transaction using a credit card, which is transmitted in response to use of the user of the credit card at a credit card affiliated store, and sales information indicating sales for the use of the credit card have been confirmed; displaying, when the authorization information is acquired, the authorization information on the display unit of a terminal device of the credit card user; and displaying, when the sales information is acquired, if the authorization information corresponding to the sales information exists, sales information indicating sales of the authorization information displayed on the display unit of the terminal device of the user have been confirmed.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] A card usage notification system has been disclosed that includes a user information storage means that stores credit card numbers and notification destinations in association with each other, and a notification means that notifies the notification destinations of breaking news information generated by a generation means, the notification destinations being stored in association with credit card numbers acquired by an acquisition means (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 5148161 Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional technology, breaking news is notified, but actual payment information is not taken into consideration. For example, users may not be able to check information on confirmed payments. This can result in poor user convenience.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information processing device, an information processing system, an information processing method, and a program that can improve user convenience, for example, by allowing users to easily check information on confirmed payments. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that acquires authorization information regarding approval of a transaction using a credit card, which is sent in response to a user's use of a credit card at a credit card affiliated store, and sales information indicating that sales for the use of the credit card have been confirmed, and when the authorization information is acquired, performs processing to display the authorization information on a display unit of the credit card user's terminal device, and when the sales information is acquired, if authorization information corresponding to the sales information exists, performs processing to display on the display unit the sales information indicating that sales for the authorization information displayed on the display unit of the user's terminal device have been confirmed. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing system, an information processing method, and a program that can improve user convenience. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] 1 is a configuration diagram of a payment server 100 according to an embodiment. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 2 is a diagram illustrating an example of the functional configuration of a card server 400. [Figure 8] 1 is a diagram showing an example of an interface screen IM1 provided on the display unit of the user terminal device 10. FIG. [Figure 9]10 is a diagram showing an example of an interface screen IM2 provided on the display unit of the user terminal device 10. FIG. [Figure 10] FIG. 10 is a diagram showing an example of an interface screen IM3. [Figure 11] FIG. 10 is a sequence diagram showing an example of a flow of processing executed by the electronic payment system. [Figure 12] FIG. 10 is a diagram for explaining details of the process. [Figure 13] FIG. 10 is a diagram illustrating authorization information. [Figure 14] FIG. 10 is a diagram illustrating sales information. [Figure 15] FIG. 10 is a diagram illustrating a matching process. [Figure 16] FIG. 10 is a diagram for explaining a case where matching is established. [Figure 17] FIG. 10 is a diagram illustrating a case where matching is not achieved. [Figure 18] FIG. 10 is a diagram illustrating a process related to cancellation. [Figure 19] FIG. 10 is a diagram showing an example of an interface screen relating to cancellation. [Figure 20] FIG. 2 is a diagram illustrating an example of content displayed on a display unit. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing system, an information processing method, and a program according to the present invention will be described. Various devices, such as the "server" mentioned below, that provide services to users or perform internal analysis may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the hardware owner (the cloud server provider) and the business that actually operates the device may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real store) existing in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store operated by an entity other than the operator of the electronic payment service. In such a case, when making a payment for a purchase at the virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and when a purchase is made at a store, processing such as payment is primarily conducted between the user and the affiliated store. Alternatively, processing such as payment may be carried out between the user and the store.

[0010] [Electronic payment service] FIG. 1 shows an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system that realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, the payment server 100, a card store terminal device 200, an acquirer server 300, and a card server 400. These devices communicate, for example, via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and networks of payment systems such as credit cards.

[0011] The electronic payment system is an example of an "information processing system" or an "information processing device." The functional configuration of either payment server 100 or card server 400, or a combination of these, is an example of an "information processing system" or an "information processing device." Card server 400 is an example of a "first server" or a "first control unit." Payment server 100 is an example of a "second server" or a "second control unit."

[0012] Some or all of the functional components included in the electronic payment system may be distributed across multiple devices in any form, or may be integrated into any device. For example, some or all of the functional components of card server 400 may be included in the configuration of payment server 100, or some or all of the functional components of payment server 100 may be included in the functional configuration of card server 400. Acquirer server 300 may be omitted.

[0013] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0014] [First store terminal device] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0015] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0016] [Store terminal for card use] The card store terminal 200 is a terminal used at credit card member stores. The card store terminal 200 acquires information on the credit card presented by the user and transmits the acquired information to the acquirer server 300.

[0017] [Acquirer Server] The acquirer server 300 is, for example, a server device managed by an affiliated store contracting company. The acquirer server 300 provides the information provided by the card store terminal device 200 to the card server 400.

[0018] [Card Server] Card server 400 is, for example, a server device of a credit card issuing company (issuer). The credit card issuing company may be a company related to an electronic payment service. Card server 400 performs predetermined processing on information acquired from acquirer server 300, and transmits the information acquired from acquirer server 300 to payment server 100. Details will be described later.

[0019] [Payment server] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0020] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0021] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0022] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0023] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0024] [Payment server functional configuration] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, an information processing unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or an SOC (System On Chip), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0025] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, content information 174, affiliated store / shop information 176, and credit card payment information 178. Some of this information may be stored in the storage unit of the user terminal device 10.

[0026] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0027] The content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides the payment application 20 with information necessary for generating the content.

[0028] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0029] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as associated information such as email address, user ID, name, address, date of birth, registration date, charge balance, credit card payment settings, credit card limit, credit card payment amount, available credit card payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for remittance processing between users. Registration of a telephone number and password is required when registering for an electronic payment service. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). Similarly, the email address, name, address, and date of birth can be set by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0030] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated bank's ATM (Automatic Teller Machine) or from a registered bank account. The credit payment setting indicates whether the settings for electronic credit payment have been completed and is set to either "Completed" or "Not Completed." The credit payment limit is the monthly credit payment limit. The credit payment amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be discussed later. The payment method setting indicates whether the user will currently make electronic payments using the charge balance or by credit payment. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0031] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0032] The information management unit 140 acquires information provided by other server devices and terminal devices. The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes records from the user information 172 and affiliated store / store information 176. The information management unit 140 manages information acquired from the card server 400. The information acquired from the card server 400 is managed as, for example, credit card payment information 178.

[0033] [Electronic Payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 references the user information 172 to acquire the "payment method setting" of the user. For users whose "payment method setting" is set to "charge balance," the payment processing unit 130 performs electronic payment as follows: For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0034] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, allowing electronic payments within the credit card payment limit and independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for credit card payment is settled in full on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card company operator to perform this process. If the payment amount exceeds the available credit card balance at the time of provisional payment, an error notification is returned to the payment app 20.

[0035] The information processing unit 150 performs various information processing. For example, the information processing unit 150 identifies a user based on information included in information (authorization information, sales information) acquired from the card server 400. For example, the information processing unit 150 identifies a user in an electronic payment service based on information for identifying a user (e.g., user information 172), such as credit card identification information acquired from the card server 400.

[0036] [Card server functional configuration] FIG. 7 is a diagram showing an example of the functional configuration of card server 400. Card server 400 includes, for example, communication unit 410, acquisition unit 420, first processing unit 430, second processing unit 440, and storage unit 450. The components other than communication unit 410 and storage unit 450 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, GPU, or SOC, or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0037] The storage unit 450 is a HDD, flash memory, RAM, etc. The storage unit 450 may be a NAS device that the card server 400 can access via a network. The storage unit 450 stores authorization information 460, sales information 470, and matching information 480 (details will be described later).

[0038] The communication unit 410 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0039] The acquisition unit 420 acquires authorization information regarding approval of a transaction using a credit card, which is transmitted when a user uses a credit card at a credit card affiliated store. The acquisition unit 420 also acquires sales information indicating that sales for the use of the credit card have been confirmed.

[0040] When the first processing unit 430 acquires the authorization information, it displays the authorization information on the display unit of the credit card user terminal device 10. The first processing unit 430 will be described in detail later.

[0041] When the second processing unit 440 acquires the sales information and there is authorization information corresponding to the sales information, the second processing unit 440 displays the sales information indicating that the sales of the authorization information displayed on the display unit of the user terminal device 10 have been confirmed. Details of the second processing unit 440 will be described later.

[0042] [overview] When the electronic payment system acquires authorization information, it performs processing to display the authorization information on the display unit of the credit card user terminal device 10. When the electronic payment system acquires sales information, if authorization information corresponding to the sales information exists, it performs processing to display on the display unit the sales information indicating that the sales of the authorization information displayed on the display unit of the user terminal device 10 have been confirmed. The functional configuration executed by the above electronic payment system may be the functional configuration of the payment server 100 or the functional configuration of the card server 400, or may be a functional configuration executed by the payment server 100 and the card server 400 in cooperation with each other.

[0043] The following describes a case where the functional configuration executed by the above electronic payment system is the functional configuration of the payment server 100. When authorization information is acquired, the "processing for displaying" refers to displaying the authorization information on the display unit of the credit card user terminal device 10. When authorization information corresponding to sales information exists, the "processing for displaying" refers to displaying sales information on the display unit of the user terminal device 10, indicating that the sales of the authorization information displayed on the display unit of the user terminal device 10 have been confirmed.

[0044] A description will be given of a case where the functional configuration executed by the above electronic payment system is the functional configuration of the card server 400. The "processing for displaying" when authorization information is acquired is to provide the authorization information to the payment server 100 so that the authorization information is displayed on the display unit of the credit card user terminal device 10. The "processing for displaying" when authorization information corresponding to sales information exists is to provide the sales information to the payment server 100 so that the sales information corresponding to the authorization information can be recognized by the payment server 100 so that the sales information displayed on the display unit of the user terminal device 100 can display on the display unit the sales information indicating that the sales of the authorization information displayed on the display unit of the user terminal device 10 has been confirmed.

[0045] The credit card is a credit card that is registered in the electronic payment system as being a credit card of a user of the electronic payment system. For example, it is a credit card that is associated with identification information for identifying a user, such as a user ID, in user information 172. The processing of this embodiment may be applied even when a different brand of credit card, a credit card from a different issuer, or a different payment network is used. For example, it may be a credit card that has been registered in advance as a target for the processing of this embodiment.

[0046] The credit card is not limited to a physical credit card, and may be a virtual credit card. The processing in this embodiment may be performed when the credit card is used for online shopping.

[0047] The authorization information and sales information are provided as content of the application program via the application program. In this embodiment, the application program is described as payment application 20, but the application program may also be an application program that provides electronic payment services including electronic payment methods other than electronic payment by credit card (charge balance, point payment, debit card). The application program is, for example, payment application 20 that provides electronic payment services including electronic payment using a charge balance charged to an electronic wallet.

[0048] The application program may be an application program that does not provide electronic payment services, including electronic payment methods other than electronic credit card payments, as described above, such as a credit card-related application program that provides information about credit card usage and billing.

[0049] [Interface screen (1) when electronic payment is made using a credit card] When a payment is made using a credit card, the payment server 100 causes an interface screen based on the authorization information to be displayed on the display unit of the user terminal device 10 via the payment application 20. Figure 8 is a diagram showing an example of the interface screen IM1 provided on the display unit of the user terminal device 10. The interface screen IM1 includes, for example, information IF1 to information IF5. Information IF1 is the name of the affiliated store where the electronic payment was made using a credit card and information indicating that payment to the affiliated store has been accepted. Information IF2 is the date and time when the electronic payment was made. Information IF3 is the amount related to the electronic payment. Information IF4 is status information of the electronic payment. Information IF5 is details of the status information of the electronic payment.

[0050] The status information indicates whether authorization information has been sent (payment has been accepted) or sales information corresponding to the authorization information has been sent (payment has been completed). Details of the status information include, for example, the date and time of the payment and the amount.

[0051] As described above, the payment server 100 can provide useful information to the user when electronic payment is made using a credit card.

[0052] [Interface screen (2) when electronic payment is made using a credit card] When payment is made using a credit card, the payment server 100 causes an interface screen based on sales information to be displayed on the display unit of the user terminal device 10 via the payment application 20. Figure 9 is a diagram showing an example of interface screen IM2 provided on the display unit of the user terminal device 10. The following mainly describes the differences from interface screen IM1.

[0053] Interface screen IM2 is an interface screen that is displayed, for example, in response to the transmission of sales information corresponding to the authorization information in FIG. 8 described above. Interface screen IM2 includes, for example, information IF1# instead of information IF1, information IF4# instead of information IF4, and information IF5# instead of information IF5. In information IF1#, the display has changed from "Payment Accepted" to "Payment." Similarly, in information IF4#, the display has changed from "Payment Accepted" to "Payment Completed." Furthermore, information IF5# also indicates that payment has been accepted and that payment has been completed.

[0054] As described above, the payment server 100 can provide the user with content according to the sales information corresponding to the authorization information, thereby enabling the user to recognize the status of credit card usage.

[0055] Furthermore, when the user performs a predetermined operation on interface screen IM1 or interface screen IM2 of payment application 20, interface screen IM3 shown in FIG. 10 is displayed on the display unit. Interface screen IM3 shows, for example, a transaction history such as the amount used on the credit card and status information. Interface screen IM3 may also include information included in interface screen IM2 described above, as well as information such as the number of times the affiliated store has been used. Interface screen IM3 associates, for example, status information (payment acceptance or payment completion status) with each electronic payment.

[0056] As described above, a user can use payment application 20 to view information related to credit card usage in real time without delay in relation to the usage of the credit card.

[0057] For example, in the past, authorization information and sales information were not matched, and as described above, it was sometimes impossible to provide content in response to the acquisition of authorization information or sales information. In contrast, in this embodiment, by performing a matching process described below, it is possible to provide the user with an interface screen that is useful to the user and includes the above-mentioned content.

[0058] For example, content similar to the content provided when an electronic payment using a charge balance is made via an electronic payment app can also be provided when a credit card is used. When an electronic payment for an object, the sale of which is confirmed when a predetermined condition is met after the electronic payment is made, is made using a charge balance, the electronic payment system displays content indicating that the payment has been accepted (e.g., IM1 or content similar to IM1) on the display unit, and when the payment is confirmed, displays content indicating that the payment has been confirmed (e.g., IM2 or content similar to IM2) on the display unit. When an electronic payment for an object is made using a credit card and authorization information is obtained, the electronic payment system displays content indicating that the payment has been accepted (e.g., IM1) on the display unit, and when the payment is confirmed, displays content indicating that the payment has been confirmed (e.g., IM2) on the display unit.

[0059] For example, even in the case of electronic payment using a charge balance, as described above, content showing the state in which payment has been accepted before the sale is finalized, and content showing the state in which the sale has been finalized are displayed. Even when a credit card is used, the same content as when the charge balance is used is displayed, improving the convenience of the user in using the payment application 20. In this embodiment, the above is achieved by a matching process described below.

[0060] In addition, when the charge balance is used, the sales are confirmed after a certain time, for example, when a hotel reservation is made, a product order is made, etc. In this case, when a reservation or order is made, the payment is accepted, and the sales are confirmed when the reserved hotel is used or the product is received.

[0061] [Sequence diagram] 11 is a sequence diagram showing an example of the flow of processing executed by the electronic payment system. First, the overall flow will be explained, and then the details of each process will be described later. In the sequence diagram, acquirer server 300 may be omitted.

[0062] First, when a user presents (or inserts) a credit card to the card store terminal device 200, the card store terminal device 200 acquires information about the credit card and sends the acquired information together with a request for approval (authorization) to the acquirer server 300 (S100). Upon acquiring the information sent in S100, the acquirer server 300 determines whether the credit card in question is a usable credit card based on the acquired information, and if it determines that the credit card is usable, it sends approval information indicating approval to the card store terminal device 200 (S102), and further sends authorization information to the card server 400 (S104).

[0063] Next, card server 400 acquires authorization information (S106). Next, card server 400 transmits the authorization information identified in S106 to payment server 100 (S108). Next, payment server 100 acquires authorization information (S110), generates content based on the acquired authorization information, and provides the generated content to payment application 20 (S112). Next, payment application 20 displays the provided content (e.g., IM1 in FIG. 8) on the display unit (S114).

[0064] As a result, when an electronic payment is made using a credit card, the user is provided with the name of the affiliated store, an icon of the affiliated store, the amount used, and other information identified in real time based on the authorization information.

[0065] After the above process is performed, acquirer server 300 acquires sales information sent from a predetermined terminal device (for example, a server of an affiliated store) (S200), and sends the sales information to card server 400 (S202). Next, card server 400 compares the sales information with the authorization information (S204), determines whether they match, and sends information according to the result of the determination to payment server 100 (S206). The matching process of S204 will be described later.

[0066] The payment server 100 generates content according to the result of the determination (S208) and provides the generated content to the payment application 20 (S210). Next, the payment application 20 displays the provided content (for example, IM2 in FIG. 9) on the display unit (S212).

[0067] This allows the user to easily recognize that the sales corresponding to the above-mentioned authorization information have been confirmed.

[0068] [Details of matching process etc.] FIG. 12 is a diagram for explaining the details of the processing. The acquisition unit 420 acquires authorization information from the network NW (credit card network NW). The acquisition unit 420 transmits the authorization information acquired from the acquisition unit 420 to the payment server 100 via the first processing unit 430 and the second processing unit 440. The authorization information provided to the first processing unit 430 is managed as authorization information 460. The payment server 100 displays the content of the authorization information on the display unit of the user terminal device 10.

[0069] Next, the acquisition unit 420 acquires sales information. The first processing unit 430 identifies authorization information corresponding to the acquired sales information and transmits information associating the authorization information with the sales information to the payment server 100 via the second processing unit 440. Based on the information associating the authorization information with the sales information, the payment server 100 changes the content of the authorization information to the content of the sales information and displays it on the display unit. The sales information provided to the first processing unit 430 is managed as sales information 470, and the information associating the authorization information with the sales information is managed as matching information 480.

[0070] [Detailed information] 13 is a diagram illustrating authorization information. When the acquisition unit 420 acquires the authorization information, the acquisition unit 420 assigns a processing number to the authorization information. The second processing unit 440 provides the authorization information with the assigned processing number to the payment server 100.

[0071] FIG. 14 is a diagram for explaining sales information. When the acquisition unit 420 acquires the sales information, it assigns a processing number to the sales information. The first processing unit 430 executes a matching process using the sales information to which the processing number has been assigned. When matching is established, the first processing unit 430 transmits information associating the matched authorization information (including the processing number) with the sales information (including the processing number) via the second processing unit 440 to the payment server 100.

[0072] [Matching process details] When the electronic payment system acquires sales information, it checks the consistency between the comparison information included in the acquired authorization information and the comparison information included in the sales information, and determines that the consistent authorization information is the authorization information corresponding to the acquired sales information. The electronic payment system performs processing to display on the display unit of the user terminal device 10 the authorization information indicating that the sales of the authorization information corresponding to the acquired sales information have been confirmed.

[0073] When the card server 400 (first control unit) acquires authorization information, it provides the authorization information to the payment server 100 (second control unit). The payment server 100 displays the authorization information on the display unit of the credit card's user terminal device 10. When the card server 400 acquires sales information, it checks whether the information to be compared contained in the acquired authorization information is consistent with the information to be compared contained in the sales information.

[0074] If a match is found, the card server 400 provides the payment server 100 with first correspondence information that associates the authorization information with the sales information. The first correspondence information may be, for example, information that associates the processing number of the authorization information with the sales information, or information that includes information that identifies the authorization information (for example, credit card identification information and the date and time of payment) instead of the processing number.

[0075] If there is no match, the card server 400 provides the payment server 100 with second correspondence information, which is sales information that is not associated with authorization information (or processing number) or is associated with authorization information that does not have content (see Figure 17 described below).

[0076] When the payment server 100 acquires the first correspondence information, it causes the display unit to display sales information indicating that the sales of the authorization information displayed on the display unit of the user terminal device 10 have been confirmed. When the payment server 100 acquires the second correspondence information, it causes the display unit to display the provided sales information without considering the authorization information. "Without considering" means displaying content corresponding to the sales information on the assumption that content corresponding to the authorization information is not being displayed. For example, it means simply displaying content corresponding to the sales information without performing any processing to change or replace the content corresponding to the authorization information with content corresponding to the sales information.

[0077] 15 is a diagram for explaining the matching process. The first processing unit 430 identifies authorization information corresponding to sales information from the list of authorization information in the authorization information 460. For example, the authorization information and the sales information include information to be compared. When the information to be compared matches after comparing them, the first processing unit 430 determines that matching is established and associates the authorization information for which matching is established with the sales information.

[0078] The information to be compared is predetermined information such as the credit card number, the merchant where the payment was made, the date of use, the amount, and the transaction number. The information to be compared may differ depending on the credit card brand, issuer, or payment network used, or may differ depending on whether the payment is made overseas or domestically. The first processing unit 430 performs a matching process by comparing pre-set pieces of information to be compared. Specifically, rules for verifying the consistency of the information to be compared are established for each combination of the credit card brand, issuer, payment network, and usage mode (domestic or overseas use). These rules are stored, for example, in the memory unit 450 of the card server 400. For example, the information to be compared may differ depending on the brand, issuer, payment network, and usage mode (domestic or overseas use), and the content and strictness of the judgment process for verifying the consistency of the information may differ. For example, the rules for brand A and overseas use may be different from the rules for brand A and domestic use. The identification information for identifying the above-mentioned brand, issuer, payment network used, and mode of use (domestic or international use) may be included in the authorization information or sales information, or may be included in the information transmitted along with the authorization information or sales information. The identification information may also be determined from the information indicating the sender of the message that is included in or accompanying the message, or from the credit card number included in the message.

[0079] [Details of information sent to the payment server after matching process (1)] FIG. 16 is a diagram for explaining a case where matching is established. The card server 400 provides authorization information to the payment server 100. After that, upon acquiring sales information, the card server 400 executes the matching process described above to identify the authorization information corresponding to the sales information. If identification is successful, the card server 400 transmits information associating the sales information with the authorization information corresponding to the sales information to the payment server 100. The transmitted information may be information that allows the payment server 100 to identify the sales information and the authorization information corresponding to the sales information. For example, one or both of the processing number and the authorization information (all or part) may be omitted, and the payment server 100 may identify the authorization information corresponding to the sales information based on the information that is not omitted.

[0080] When authorization information corresponding to the sales information exists and is displayed on the display unit of the user terminal device 10, the payment server 100 displays the sales information on the display unit based on the authorization information displayed on the display unit of the user terminal device 10. As described above, when information in which authorization information and sales information are associated is provided, the payment server 100 displays content corresponding to the sales information on the display unit instead of content corresponding to the authorization information.

[0081] [Details of information sent to the payment server after matching process (2)] FIG. 17 is a diagram for explaining a case where matching is not established. It is assumed that card server 400 has not acquired authorization information corresponding to sales information, which will be described later. Upon acquiring the sales information, card server 400 executes the matching process described above to attempt to identify authorization information corresponding to the sales information. If identification is not possible, card server 400 transmits to payment server 100 information that associates the sales information with authorization information that does not have content (authorization information that does not have a processing number, credit card number, etc.). The information to be transmitted may be information that enables payment server 100 to identify the sales information and the absence of authorization information that corresponds to the sales information. For example, transmission of authorization information that does not have content may be omitted.

[0082] If there is no authorization information corresponding to the sales information and displayed on the display unit of the user terminal device 10, the payment server 100 displays the acquired sales information on the display unit without considering the authorization information. As described above, if information in which authorization information without content is associated with sales information is provided, the payment server 100 displays the content corresponding to the sales information on the display unit because the content corresponding to the authorization information has not been provided to the user.

[0083] As described above, the card server 400 executes the matching process and provides the payment server 100 with information according to the matching result, so that the payment server 100 can provide suitable content to the user.

[0084] [Cancellation of authorization information after a specified time has elapsed] If the card server 400 is unable to obtain sales information corresponding to the authorization information displayed on the display unit even after a predetermined time has elapsed since the authorization information was obtained, the card server 400 cancels the display of the authorization information displayed on the display unit.

[0085] FIG. 18 is a diagram for explaining the process related to cancellation. For example, each piece of authorization information in the authorization information 460 is associated with the time at which the authorization information was acquired. The card server 400 identifies the authorization information for which a predetermined time has elapsed since the time at which the authorization information was acquired (the authorization information at time T in FIG. 18), and transmits the information on the identified authorization information to the payment server 100. The payment server 100, for example, cancels the display of the authorization information of the processing number transmitted together with the authorization information on the display unit. Cancellation means that the display is not performed. For example, the information on the authorization information is deleted from the transaction history. The authorization information is displayed as shown in the left diagram of FIG. 19, and then deleted as shown in the right diagram of FIG. 19.

[0086] As described above, if the electronic payment system does not receive sales information corresponding to authorization information after a predetermined time has elapsed, it can refrain from displaying authorization information with inconclusive sales information.

[0087] [Cancellation of authorization information after a specified time has elapsed] When a cancellation notice is sent for authorization information displayed on a display unit, the electronic payment system displays information on the display unit indicating that the authorization information has been canceled. Figure 20 shows an example of content displayed on the display unit. For example, the payment acceptance content corresponding to the authorization information may be grayed out, or information indicating that the authorization information has been canceled may be displayed.

[0088] As described above, the electronic payment system provides users with content in response to the cancellation of authorization information, thereby improving user convenience. For example, even if a cancellation notice is sent in response to instructions from a member store, appropriate content can be provided to the user.

[0089] [Processing when the amount according to the authorization information is small] If the amount related to the payment in the acquired authorization information is below a threshold, the electronic payment system does not display the authorization information on the display unit of the user terminal device 10, and if the amount related to the payment in the acquired authorization information exceeds the threshold, the electronic payment system displays the authorization information on the display unit of the user terminal device 10.

[0090] When the electronic payment system acquires sales information corresponding to authorization information in which the payment amount is equal to or less than a threshold, the electronic payment system displays the sales information on the display unit without taking the authorization information into consideration. In this case, since content corresponding to the authorization information is not displayed, the electronic payment system generates content corresponding to the sales information and displays the generated content on the display unit.

[0091] When the electronic payment system acquires sales information corresponding to authorization information in which the payment amount exceeds a threshold, the electronic payment system displays the sales information on the display unit based on the authorization information. In this case, since content corresponding to the authorization information is displayed, the electronic payment system changes the content corresponding to the authorization information to content corresponding to the sales information and displays the changed content on the display unit.

[0092] For example, the second processing unit 440 determines whether the amount of payment in the authorization information is equal to or less than a threshold, and if so, determines not to send the authorization information to the payment server 100. Alternatively, the payment server 100 may determine whether the amount of payment in the authorization information acquired from the second processing unit 440 is equal to or less than a threshold, and if so, determines not to display the authorization information.

[0093] For example, when a payment is confirmed or the amount to be paid is determined after the validity of the credit card is verified at a predetermined timing, such as when filling up a gas station, paying mobile phone bills, utility bills, or subscription services, authorization information for an amount below the threshold (e.g., 0 yen or 2 yen) is sent as described above. Even in such cases, the electronic payment system does not notify the user of amounts below the threshold, improving user convenience.

[0094] According to the embodiment described above, when the electronic payment system acquires authorization information, it performs processing to display the authorization information on the display unit of the credit card user's terminal device, and when it acquires sales information, if authorization information corresponding to the sales information exists, it performs processing to display on the display unit the sales information indicating that the sales of the authorization information displayed on the display unit of the user's terminal device have been confirmed, thereby improving convenience for users.

[0095] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0096] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Information Processing Department 400 Card Server 420 Acquisition Department 430 First Processing Section 440 Second Processing Section

Claims

1. Acquire authorization information regarding approval of a transaction using a credit card, which is sent in response to the user's use of the credit card at a credit card affiliated store, and sales information indicating that sales for the use of the credit card have been confirmed; When the authorization information is acquired, a process is performed to display the authorization information on a display unit of a terminal device of the credit card user; When the sales information is acquired, if the authorization information corresponding to the sales information exists, a process is performed to display on the display unit of the terminal device of the user the sales information indicating that the sales of the authorization information displayed on the display unit have been confirmed. Information processing device.

2. When the sales information is acquired, if there is authorization information corresponding to the acquired sales information and the authorization information is displayed on the display unit of the user's terminal device, the sales information is displayed on the display unit based on the authorization information displayed on the display unit of the user's terminal device, When the sales information is acquired, if there is no authorization information corresponding to the acquired sales information and the authorization information displayed on the display unit of the terminal device of the user, the acquired sales information is displayed on the display unit without taking the authorization information into consideration. The information processing device according to claim 1 .

3. If the sales information corresponding to the authorization information displayed on the display unit cannot be acquired even after a predetermined time has elapsed since the authorization information was acquired, canceling the display of the authorization information on the display unit. The information processing device according to claim 1 .

4. When a cancellation notification of the authorization information displayed on the display unit is transmitted, information indicating that the authorization information has been cancelled is displayed on the display unit. The information processing device according to claim 1 .

5. If the amount of payment in the acquired authorization information is equal to or less than a threshold, the authorization information is not displayed on the display unit, If the amount of payment related to the obtained authorization information exceeds a threshold, the authorization information is displayed on the display unit. The information processing device according to claim 1 .

6. When the sales information corresponding to authorization information in which the amount related to the payment is equal to or less than a threshold is acquired, the sales information is displayed on the display unit without taking the authorization information into consideration; When the sales information corresponding to authorization information in which the amount of the payment exceeds a threshold is acquired, the sales information is displayed on the display unit based on the authorization information. The information processing device according to claim 5 .

7. When the authorization information is acquired, the authorization information is displayed on a display unit of a terminal device of the credit card user as content provided by the application program via the application program; When the sales information is acquired and the authorization information corresponding to the sales information exists, the sales information indicating that the sales of the authorization information displayed on the display unit of the user's terminal device have been confirmed is displayed on the display unit as content provided by the application program via the application program. The information processing device according to claim 1 .

8. the application program is an application program for providing an electronic payment service including an electronic payment method other than electronic payment by credit card; The information processing device according to claim 7 .

9. The application program is an application program for providing electronic payment services including electronic payment using a charge balance charged to an electronic wallet. The information processing device according to claim 8 .

10. When an electronic payment for an object for which sales are confirmed when a predetermined condition is satisfied after the electronic payment is made is executed using the charge balance, content indicating that the payment has been accepted is displayed on the display unit, and when the payment is confirmed, content indicating that the payment has been confirmed is displayed on the display unit; When the electronic payment for the target is executed using a credit card and authorization information is acquired, content indicating that the payment has been accepted is displayed on the display unit, and when the payment is confirmed, content indicating that the payment has been confirmed is displayed on the display unit. The information processing device according to claim 9 .

11. When the sales information is acquired, the authorization information is checked for consistency between the information to be compared contained in the acquired authorization information and the information to be compared contained in the sales information, and the authorization information that is consistent is determined to be the authorization information corresponding to the acquired sales information; performing a process for displaying, on the display unit of the terminal device of the user, the authorization information, which is sales information indicating that the sales of the authorization information corresponding to the acquired sales information have been confirmed; The information processing device according to claim 1 .

12. A first control unit and a second control unit are provided, When the first control unit acquires the authorization information, the first control unit provides the authorization information to the second control unit; the second control unit displays the authorization information on a display unit of a terminal device of the credit card user, The first control unit When the sales information is acquired, the information to be compared contained in the acquired authorization information is checked for consistency with the information to be compared contained in the sales information; If the consistency is achieved, first correspondence information that associates the authorization information with the sales information is provided to the second control unit; When the consistency is not achieved, second correspondence information is provided to the second control unit, the second correspondence information being the sales information associated with the authorization information that is not associated with the authorization information or that does not have content; The second control unit is When the first correspondence information is acquired, sales information indicating that the sales of the authorization information displayed on the display unit of the terminal device of the user have been confirmed is displayed on the display unit, When the second correspondence information is acquired, the provided sales information is displayed on the display unit without taking the authorization information into consideration. The information processing device according to claim 1 .

13. For credit cards with different brands, different issuers, or credit cards that use different payment networks, Displaying the authorization information on a display unit of a terminal device of the credit card user; When the sales information is acquired, if the authorization information corresponding to the sales information exists, the sales information indicating that the sales of the authorization information displayed on the display unit of the terminal device of the user has been confirmed is displayed on the display unit. The information processing device according to claim 1 .

14. An information processing system including a first server and a second server, The first server Acquire authorization information regarding approval of a transaction using the credit card, which is transmitted in response to the user using the credit card at a credit card affiliated store, and provide the acquired authorization information to the second server; The second server displays the authorization information on a display unit of a terminal device of the credit card user, The first server acquires sales information indicating that sales for the use of the credit card have been confirmed, and if authorization information corresponding to the sales information exists, provides the sales information and information indicating the authorization information corresponding to the sales information to the second server; The second server displaying, on the display unit of the terminal device of the user, sales information indicating that the sales of the authorization information displayed on the display unit of the terminal device of the user have been confirmed, based on the information provided by the first server; Information processing system.

15. One or more computers Acquire authorization information regarding approval of a transaction using a credit card, which is sent in response to the user's use of the credit card at a credit card affiliated store, and sales information indicating that sales for the use of the credit card have been confirmed; When the authorization information is acquired, a process is performed to display the authorization information on a display unit of a terminal device of the credit card user; When the sales information is acquired, if the authorization information corresponding to the sales information exists, a process is performed to display on the display unit of the terminal device of the user the sales information indicating that the sales of the authorization information displayed on the display unit have been confirmed. Information processing methods.

16. On one or more computers, The credit card company acquires authorization information regarding approval of a transaction using the credit card, which is sent in response to the user's use of the credit card at a credit card affiliated store, and sales information indicating that sales for the use of the credit card have been confirmed; When the authorization information is acquired, a process is performed to display the authorization information on a display unit of a terminal device of the credit card user; When the sales information is acquired, if the authorization information corresponding to the sales information exists, a process is performed to display on the display unit of the terminal device of the user the sales information indicating that the sales of the authorization information displayed on the display unit have been confirmed. program.

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