Dictionary creation method, dictionary creation device, program and information provision device

Abstract

To provide a dictionary creation method for providing (or preparing to provide) easy-to-understand notification to a user when a credit card is used.SOLUTION: A dictionary creation method includes the processes of: acquiring a group of information of authorization messages transmitted and received via a credit card network and a group of information of sales messages transmitted and received via the credit card network; extracting a set of information corresponding to the same settlement from the two acquired groups of information; and creating, on the basis of the extracted set of information, a dictionary that outputs a name of an affiliated store to which a store where settlement is made belongs, the name of the affiliated store that may include kanji characters, by using at least a part of the information included in the authorization message as a search key.SELECTED DRAWING: Figure 6

Description

[Technical Field]

[0001] The present invention relates to a dictionary creation method, a dictionary creation device, a program, and an information providing device. [Background technology]

[0002] There is known a technology for notifying a user of part of payment information when a credit card is used (see, for example, Patent Document 1). This notification is made by push notification via an application program running on the user's terminal device or by email. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 5629479 Summary of the Invention [Problem to be solved by the invention]

[0004] When a credit card is used, information (hereinafter referred to as "messages") transmitted over a network includes a message to confirm the credit card's authority (hereinafter referred to as "authorization message") and a message to communicate the payment amount (sales message). While authorization messages are transmitted and received at the time of use, sales messages are transmitted and received later (for example, several days later). Therefore, when providing the above notification to a user in near real time, the notification is created based on the authorization message. However, the store name included in the authorization message may or may not exist, and even if it does exist, it is written in alphabetic characters (English or Roman letters). Therefore, even if the notification is sent to the user as is, it is difficult to tell at a glance which store was used. For this reason, conventional technologies sometimes fail to provide users with easy-to-understand notifications when their credit cards are used.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide a dictionary creation method, dictionary creation device, program, and information providing device that can give a user an easy-to-understand notification (or prepare to give such a notification) when a credit card is used. [Means for solving the problem]

[0006] One aspect of the present invention is a dictionary creation method executed by a dictionary creation device, which includes the steps of: acquiring a group of information from authorization messages sent and received over a credit card network; and extracting a set of information from the two acquired groups of information that corresponds to the same payment; and creating a dictionary based on the extracted set of information, using at least a portion of the information contained in the authorization messages as a search key, that outputs the name of the affiliated store to which the store where the payment was made belongs, which may include kanji characters. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide assistance so that an easy-to-understand notification can be given to the user (or preparations can be made to give such a notification) when a credit card is used. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 illustrates an example of a system for providing credit card services. [Figure 2] FIG. 1 is a diagram showing an example of a general flow of credit card payment processing. [Figure 3] FIG. 10 is a diagram showing an example of the contents of a dictionary 174. [Figure 4] 10 is a diagram schematically illustrating an example of a screen on which payment notification information is displayed on the terminal device 10. FIG. [Figure 5] FIG. 2 is a diagram illustrating an example of the configuration of a dictionary creation device 200. [Figure 6]FIG. 3 is a diagram showing an example of the flow of processing executed in the dictionary creation device 200. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of the dictionary creation method, dictionary creation device, program, and information providing device of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as the "server," "management device," and "information providing device" mentioned below, may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the owner of the device hardware (the provider of the cloud server) and the business that actually operates the device may also be different.

[0010] The application program and credit card server work together to provide various services related to the use of credit cards. In the following explanation, the application program will be referred to as the credit card app. The credit card app may be a mini-app called from a payment app to receive electronic payment services using a terminal device such as a smartphone, but in the following explanation, it is assumed that the credit card app operates independently.

[0011] [composition] FIG. 1 is a diagram showing an example of a system for providing credit card services. The credit card service is realized by, for example, a credit card 1, a credit card application 20 running on a terminal device 10, a credit card processing terminal 50, an affiliated store server 60, an advance payment agent server (acquirer) 80, and a credit card server 100. These components communicate via a network NW or a more local communication network. The network NW includes, for example, the Internet, a wide area network (WAN), a cellular network, a wireless base station, and a dedicated network for credit card transactions (such as CAFIS or CardNet). The credit card processing terminal 50 and the credit card server 100 communicate, for example, via a dedicated network. The credit card application 20 and the credit card server 100 communicate via a network NW that is different from a dedicated network such as the Internet.

[0012] The credit card 1 has a communication chip embedded in the card substrate. The communication chip has a built-in storage medium that stores a PIN and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the credit card 1 may be a magnetic card.

[0013] The terminal device 10 is a computer device having at least a communication function and a display function, such as a smartphone, a tablet terminal, or a personal computer. In the terminal device 10, a processor such as a CPU executes a credit card application 20, thereby linking with the credit card server 100 to receive various information related to credit card services. The credit card application 20 is installed in the terminal device 10 from, for example, an application store, and controls each part of the terminal device 10.

[0014] The credit processing terminal 50 is installed in the store. The credit processing terminal 50 includes, for example, a credit card payment terminal (credit card reader) and a POS device. The credit card payment terminal reads a PIN (Personal Identification Number) from an inserted or held-up credit card and collates it with the PIN entered by the user, and transmits a BIN (Bank Identification Number) code and the like read from the credit card to the credit card server 100 via the POS device and (member store server 60). The member store server 60 is operated by the member store to which the store belongs (for example, if XX Coffee is a member store, then XX Coffee Store corresponds to the store). Its functions will be described later.

[0015] The on-behalf payment agent server (acquirer) 80 is solely involved in processing sales messages and is operated by a business that pays the sales amount on behalf of the member store before the user deposits the money.

[0016] Credit card server 100 includes, for example, payment processing unit 110, search unit 120, notification unit 130, and storage unit 170. The components other than storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a hard disk drive (HDD) or flash memory, 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. The combination of search unit 120 and notification unit 130 of credit card server 100 is an example of an "information providing device."

[0017] 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 credit card server 100 can access via a network. The storage unit 170 stores information such as user information 172 and a dictionary 174. The user information 172 is, for example, information in which the credit card number is associated with the user's name, address, telephone number, email address, communication identification information of the terminal device 10, identification information of the credit card application 20, etc.

[0018] The payment processing unit 110 processes the authorization message and the sales message, and performs payment processing for the consumption behavior of the user. Figure 2 is a diagram showing an example of the general flow of credit card payment processing.

[0019] First, (1) the user presents the credit card 1. (2) The affiliated store server 60 sends an authorization message to the credit card server 100 to request authorization. The authorization message includes information such as the credit card number, the date of use, the payment amount, the terminal identification number of the credit processing terminal, and the store ID. In addition to the above information, the authorization message may also include information such as the affiliated store name. (3) The credit card server 100 determines whether the payment can be made based on the validity, maximum usage amount, and usage history of the credit card 1, and sends the result to the affiliated store server 60 as the authorization result. (4) If the authorization result is "approved," the product or service is provided to the user.

[0020] (5) Within a few days, the affiliated store server 60 sends a sales message to the reimbursement agent server 80 and requests the settlement of the sales. (6) The reimbursement agent server 80 transfers the sales message to the credit card server 100 (some content may be edited) and sends a sales notification. The sales message includes information such as the credit card number, the date of use, the payment amount, and the name of the affiliated store. (7) The credit card server 100 performs processing to settle the amount used on credit card 1 (bank transfer, etc.). (8) The reimbursement agent server 80 performs processing to transfer the amount used on credit card 1 to the affiliated store. Depending on the contract or arrangement, the processing in (8) above may be performed before processing in (6) or (7). (9) Thereafter, as the closing date of credit card 1 approaches, the credit card server 100 notifies the user of the amount used, and (10) the user pays the amount used.

[0021] Here, when the processing of the authorization message ((2) to (3) in the figure) is completed and the product or service is provided to the user, the payment information is notified to the terminal device 10 as a payment flash report. As mentioned above, the store name included in the authorization message may or may not exist, and even if it does exist, it is written in alphabet (English or Roman characters). Therefore, without searching the dictionary 174, it is not possible to convey an easy-to-understand affiliated store name as a flash report to the user after the credit card is used. Therefore, when the search unit 120 acquires the information of the authorization message (2), it searches the dictionary 174 using at least a portion of the acquired information of the authorization message. In the dictionary 174, affiliated store names, which may include kanji, are associated with at least a portion of the information of the authorization message (e.g., terminal identification number, store name, store ID). FIG. 3 is a diagram showing an example of the contents of the dictionary 174. Note that one or both of the store name and store ID may be blank, but if both are blank, for example, the search key "terminal identification number + (blank) + (blank)" will return a hit. Specifically, if a field is blank, the search key is created by replacing the symbol or description indicating that it is blank with the blank portion, and then the search is performed. This makes it easier to identify which portions are blank.

[0022] The notification unit 130 notifies the terminal device 10 used by the user of the credit card 1 of the payment notification information, including the member store name obtained by the search. This notification is made by push notification via the credit card app 20, or by email, etc. (referring to the user information 172). Figure 4 is a diagram schematically showing an example of a screen on which the payment notification information is displayed on the terminal device 10. This process makes it possible to provide the user with an easy-to-understand notification when their credit card is used.

[0023] [Create Dictionary] The process of creating dictionary 174 will be described below. Dictionary 174 is created by dictionary creation device 200 in the procedure described below. Dictionary creation device 200 may be a device separate from credit card server 100, or may be a function of credit card server 100.

[0024] FIG. 5 is a diagram showing an example of the configuration of the dictionary creation device 200. The dictionary creation device 200 includes, for example, an acquisition unit 210, an extraction unit 220, a creation unit 230, and a storage unit 270. The components other than the storage unit 270 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 such as an LSI, ASIC, FPGA, or GPU, 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 having 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 270 is a HDD, flash memory, RAM, etc. The storage unit 270 may be a NAS device that can be accessed by the dictionary creation device 200 via a network. The storage unit 270 stores information such as dictionary creation source information 272.

[0026] The acquisition unit 210 acquires a group of information on authorization messages sent and received over the credit card network and a group of information on sales messages sent and received over the same network, and stores them in the memory unit 170 as dictionary creation source information 272.

[0027] The extraction unit 220 extracts a set of information corresponding to the same payment from the two groups of information stored in the storage unit 170 as the dictionary creation source information 272 .

[0028] Based on the extracted set of information, the creation unit 230 creates a dictionary that outputs the name of the affiliated store (which may include kanji characters) of the affiliated store to which the store where the payment was made belongs, using at least a portion of the information in the authorization message as a search key, and stores the dictionary in the memory unit 170 of the credit card server 100 as dictionary 174.

[0029] As mentioned above, the information in an authorization message includes some or all of the following: credit card number, date of use, payment amount, terminal identification number of the credit processing terminal, store name, and store ID. The store name may be omitted from the information in an authorization message. The information in a sales message includes at least the credit card number, date of use, payment amount, and affiliated store name. The affiliated store name included in a sales message may contain kanji characters and is easy for users to understand, so it would be desirable to use this in dictionary 174 (i.e., include it in the payment notification information), but currently the matching information between authorization messages and sales messages is not complete and may not be reliable for use.

[0030] Therefore, the extraction unit 220 compares first target information (e.g., two or more or all of the credit card number, use date, and payment amount) included in the group of information in the authorization message with second target information included in the group of information in the sales message, the second target information being of the same type as the first target information, to extract matching pairs of first target information and second target information. Specifically, the extraction unit 220 extracts pairs of information that satisfy a condition regarding the number of occurrences from pairs of information that match in the credit card number, use date, and payment amount (hereinafter, "mandatory match information"), thereby sufficiently increasing the reliability of matching between the authorization message and the sales message and enabling the creation of the dictionary 174 with high accuracy. Note that the extraction unit 220 excludes, from the pairs of information that match in the mandatory match information, multiple pairs of information associated with the same use date, i.e., pairs of information when the same user uses the credit card 1 multiple times on the same day for the same payment amount. In this case, for example, a 1,000 yen purchase and a 1,000 yen electronic money charge are assumed, and it is unclear which sales message corresponds to which.

[0031] The condition regarding the number of occurrences is, for example, that a set of information with the same terminal identification number, store ID, and affiliated store name corresponding to the required matching information appears a predetermined number of times (n times or more) within a predetermined period T. The predetermined period T is, for example, about one month, and n is, for example, 10. By satisfying this condition, the reliability of matching can be sufficiently increased. Note that "n" is not limited to 10, and may be 1, 2, etc.

[0032] Among the sets of information whose required matching information matches, the extraction unit 220 adds sets of information that do not satisfy the condition regarding the number of occurrences to the extracted sets of information after approval and editing by the operator. The operator visually checks the sets of information using a terminal device connected to the dictionary creation device 200 (not shown), and if the content is considered appropriate according to social standards, edits it as necessary and approves it. A typical example is when payments are generally related to the same affiliated store, but the affiliated store names included in the sales messages are divergent. In this case, the affiliated store names that are generally common are registered in the dictionary 174.

[0033] FIG. 6 is a diagram showing an example of the flow of processing executed in the dictionary creation device 200. First, authorization message information for a certain month and sales message information for the same month are prepared as dictionary creation source information 272, and the authorization message information is narrowed down to those in the form of a usage report (payment notification information). Note that the provision of usage reports is limited to payments where the payment amount per transaction is equal to or greater than a predetermined amount. In some cases, authorization message information is sent for amounts less than the predetermined amount to confirm whether the card is valid. This is because authorization message information in such cases is not included in the search.

[0034] The extraction unit 220 performs the above-mentioned process to separate pairs of authorization messages and sales messages into those that satisfy the conditions regarding the number of applications and those that do not. The former are automatically registered in the dictionary 174, and the latter are registered in the dictionary 174 after visual confirmation.

[0035] According to the dictionary creation device 200 described above, it is possible to prepare to give the user an easy-to-understand notification when a credit card is used.

[0036] 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]

[0037] 10 Terminal Equipment 20. Credit Card App 50 Credit card processing terminals 60 Merchant Server 80 Reimbursement agent server 100 Credit Card Server 110 Payment processing unit 120 Search Department 130 Notification Department 170 Storage section 172 User information 174 Dictionaries 200 Dictionary Creation Device 210 Acquisition Department 220 Extraction part 230 Creation Department 270 Storage section 272 Dictionary creator information

Claims

1. A dictionary creation method executed by a dictionary creation device, comprising: A process of acquiring a group of authorization message information transmitted and received over a credit card network and a group of sales message information transmitted and received over the credit card network; A process of extracting a set of information corresponding to the same payment from the two groups of acquired information; A process for creating a dictionary that outputs the name of the affiliated store to which the store where the payment was made belongs, which may include kanji characters, using at least a part of the information included in the authorization message as a search key based on the extracted set of information; A dictionary creation method comprising:

2. In the extraction process, the dictionary creation device compares first target information included in the group of information of the authorization message with second target information included in the group of information of the sales message, the second target information being of the same type as the type of the first target information, and extracts pairs of the first target information and the second target information that match. The dictionary creation method according to claim 1 .

3. The information in the authorization message includes at least a credit card number, a date of use, a payment amount, a terminal identification number of the credit card processing terminal, and a store ID, The information in the sales message includes at least the credit card number, the date of use, the payment amount, and the name of the affiliated store, In the extraction process, the dictionary creation device extracts information sets that satisfy a condition regarding the number of occurrences from among information sets in which the credit card number, the use date, and the payment amount match. The dictionary creation method according to claim 1.

4. In the extraction process, the dictionary creation device excludes a plurality of information sets associated with the same credit card number, the use date, and the payment amount from among the information sets in which the credit card number, the use date, and the payment amount match.

4. The dictionary creation method according to claim 3.

5. The condition regarding the number of occurrences is that a set of information having the same terminal identification number, the same store ID, and the same affiliated store name has appeared a predetermined number of times or more within a predetermined period of time.

4. The dictionary creation method according to claim 3.

6. the dictionary creation device adds the information sets that do not satisfy the condition regarding the number of occurrences to the extracted information sets after approval and editing by an operator.

4. The dictionary creation method according to claim 3.

7. an acquisition unit that acquires a group of authorization message information transmitted and received over a credit card network and a group of sales message information over the credit card network; an extraction unit that extracts a set of information corresponding to the same payment from the two groups of acquired information; a creation unit that creates a dictionary based on the extracted set of information, using at least a portion of the information included in the authorization message as a search key, and outputs the member store name of the member store to which the store where the payment was made belongs, which may include kanji characters; and Equipped with Dictionary creation device.

8. A processor of the dictionary creation device A process of acquiring a group of authorization message information transmitted and received over a credit card network and a group of sales message information over the credit card network; A process of extracting a set of information corresponding to the same payment from the two groups of acquired information; A process for creating a dictionary based on the extracted set of information, using at least a portion of the information included in the authorization message as a search key, to output the name of the affiliated store to which the store where the payment was made belongs, which may include kanji characters; A program to execute.

9. a search unit that, when acquiring information on an authorization message when a user uses a credit card, searches a dictionary created by the dictionary creation method according to any one of claims 1 to 6 using at least a part of the acquired information on the authorization message; a notification unit that notifies a terminal device used by the credit card user of payment notification information including the member store name obtained by the search; An information providing device comprising:

10. A processor of the information providing device When information on an authorization message is acquired when a user uses a credit card, a process of searching a dictionary created by the dictionary creation method according to any one of claims 1 to 6 using at least a part of the information on the acquired authorization message; a process of notifying a terminal device used by the credit card user of payment notification information including the member store name obtained by the search; A program to execute.

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