Terminal, payment management server, control method, and information processing program

Abstract

To provide a terminal capable of recognizing that settlement cannot be performed in a stage before trying the settlement by a settlement server when a user owns a credit card to be used for the settlement and another credit card in which a part of card face information is the same.SOLUTION: The device 10A includes a determination unit 113 that, when an operation of the user U instructing credit settlement using a first credit card is received, determines whether or not first information identical to first information relating to the first credit card is also stored in a storage device 12A storing first information that is a part of identification information uniquely identifying each of a plurality of credit cards that the user U can use for credit settlement, and a display control unit 114A that, when a determination result of the determination unit 113 is affirmative, displays, on a display, that credit settlement cannot be performed.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to a terminal, a payment management server, a control method, and an information processing program. [Background technology]

[0002] In electronic payment services, electronic payments can be made using a credit card selected from multiple registered credit cards. In addition, if points are awarded according to the type of credit card used in the electronic payment, it is necessary to identify the credit card used.

[0003] For example, Patent Document 1 discloses a management server that allows a user to complete a point service by simply paying with a credit card, without presenting a point card. The management server creates linking data for linking the received credit card data with the point card data, and stores the linking data together with the point card data. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2019-079221 Summary of the Invention [Problem to be solved by the invention]

[0005] In the past, when points were awarded simply by paying with a credit card, the credit card was identified using part of the information on the face of the credit card in a system different from that used for electronic credit card payments. Therefore, if a user owned another credit card that shared part of the information on the face of the credit card with the credit card used for payment, there was a problem that the user could not make the payment even before the points were awarded.

[0006] Therefore, the present invention aims to provide a terminal, a payment management server, a control method, and an information processing program that can recognize that a user cannot make a payment before the payment server attempts the payment when the user owns another credit card that has the same part of the card face information as the credit card used for payment. [Means for solving the problem]

[0007] A preferred embodiment of the terminal of the present invention comprises a judgment unit that, when a user's operation to instruct credit payment using a first credit card is accepted, judges whether or not a memory device that stores first information, which is part of identification information that uniquely identifies each of a plurality of credit cards that the user can use for credit payment, stores other first information that is the same as the first information relating to the first credit card, and a display control unit that, when the judgment result of the judgment unit is positive, displays on a display device that the credit payment cannot be made.

[0008] A payment management server according to a preferred embodiment of the present invention comprises a reception unit that receives user operations on a terminal, a judgment unit that, when the reception unit receives a user operation instructing credit payment using a first credit card, judges whether a memory device that stores first information that is part of identification information that uniquely identifies each of a plurality of credit cards that the user can use for credit payment has other first information that is the same as the first information relating to the first credit card stored therein, and a communication control unit that causes the terminal to transmit the judgment result of the judgment unit to a communication device.

[0009] A preferred embodiment of the control method of the present invention includes, when a user's operation instructing credit payment using a first credit card is accepted, determining whether or not a storage device that stores first information, which is part of identification information that uniquely identifies each of a plurality of credit cards that the user can use for credit payment, stores other first information that is the same as the first information related to the first credit card, and, if the result of the determination is positive, displaying on a display device that the credit payment cannot be made.

[0010] An information processing program according to a preferred embodiment of the present invention causes a processing device to, when a user's operation instructing credit payment using a first credit card is accepted, determine whether a storage device that stores first information, which is part of identification information that uniquely identifies each of a plurality of credit cards that the user can use for credit payment, stores other first information that is identical to the first information relating to the first credit card, and, if the result of the determination is positive, display on a display device that the credit payment cannot be made. [Effects of the Invention]

[0011] According to the present invention, when a user owns another credit card that has the same part of the card face information as the credit card used for payment, the user can recognize that payment is not possible at a stage before the payment server attempts payment. [Brief explanation of the drawings]

[0012] [Figure 1] FIG. 1 is a block diagram showing the overall configuration of a payment system 1A. [Figure 2] FIG. 10 is a diagram showing an example of a payment method setting screen SI in a payment application. [Figure 3] FIG. 2 is a block diagram showing an example configuration of a terminal 10A[k]. [Figure 4] 1 is a table showing an example of the configuration of an identification information database IDB. [Figure 5]FIG. 10 is a diagram showing an example of a payment confirmation screen PI. [Figure 6] FIG. 10 is a diagram showing an example of a first message image MI1. [Figure 7] FIG. 10 is a diagram showing an example of a payment confirmation screen PI. [Figure 8] FIG. 10 is a diagram showing an example of a third message image MI3. [Figure 9] 10 is a flowchart showing the operation of the terminal 10A[k]. [Figure 10] FIG. 10 is a block diagram showing an example of the configuration of an application payment management server 40B. [Figure 11] FIG. 10 is a block diagram showing an example of the configuration of a terminal 10B[k]. [Figure 12] 10 is a flowchart showing the operation of application payment management server 40B. DETAILED DESCRIPTION OF THE INVENTION

[0013] Various embodiments according to the present disclosure will be described below with reference to the drawings.

[0014] 1: First embodiment Hereinafter, a payment system 1A according to the first embodiment will be described with reference to FIGS.

[0015] As described above, the conventional technology has a problem that if a user owns another credit card that has the same part of the face information as the credit card used for payment, the payment cannot be made. The payment system 1A of this embodiment can recognize that if a user owns another credit card that has the same part of the face information as the credit card used for payment, the user cannot make the payment at a stage before the payment server attempts the payment.

[0016] 1-1: Configuration of the first embodiment 1-1-1: Overall structure Figure 1 is a block diagram showing the overall configuration of payment system 1A according to this embodiment. As shown in Figure 1, payment system 1A includes terminals 10A[1] to 10A[n], a store device 20, an application management server 30, an application payment management server 40A, and a payment server 50. Terminals 10A[1] to 10A[n], the store device 20, the application management server 30, the application payment management server 40A, and the payment server 50 are connected to each other via a communication network NET so that they can communicate with each other. n is an integer equal to or greater than 1. k is an integer equal to or greater than 1 and equal to or less than n. In the following description, terminals 10A[1] to 10A[n] may be collectively referred to as "terminals 10A." In FIG. 1, user U uses terminal 10A. Furthermore, user U[k] uses terminal 10A[k]. 1, the number of in-store devices 20, application management servers 30, application payment management servers 40A, and payment servers 50 is one, which is merely an example. Payment system 1A includes any number of in-store devices 20, application management servers 30, application payment management servers 40A, and payment servers 50. The number of in-store devices 20, application management servers 30, application payment management servers 40A, and payment servers 50 may be the same or different.

[0017] Terminals 10A[1] to 10A[n] are devices used by users U to purchase goods or services. User Uk may pay the purchase price of goods or services by using a payment application installed on terminal 10A[k]. Alternatively, user Uk may connect terminal 10A[k] to the Internet and make an online payment. Hereinafter, payment using a payment application may be referred to as "app payment."

[0018] The terminals 10A[1] to 10A[n] are preferably mobile terminals. The terminals 10A may be, for example, smartphones or tablets. Alternatively, the terminals 10A may be PCs (Personal Computers).

[0019] The in-store device 20 is installed in a physical store. When a user Uk pays for a purchase, the in-store device 20 reads a code displayed on the terminal 10A[k], for example, using a payment application. The code is, for example, a barcode or a QR code. The in-store device 20 is connected to a barcode reader or a QR code reader. The in-store device 20 acquires purchase information indicated by the code read by the barcode reader or the QR code reader. Note that "QR code" is a registered trademark.

[0020] The purchase information includes, for example, a "user ID" that is an identifier for the user U, a "payment amount" that is the purchase price of the product or service, and a "purchase date and time" that is the date and time when the product or service was purchased. When the store device 20 acquires the purchase information, it adds store information indicating the "purchase store" that indicates the store where the store device 20 is installed to the purchase information, and then sends payment instruction information including the purchase information with the added store information to the application management server 30.

[0021] Alternatively, a code may be displayed in the store where the in-store device 20 is installed. The code may be, for example, a barcode or a QR code. In this case, when the user Uk launches the payment application on the terminal 10A[k], the barcode reader or QR code reader function of the terminal 10A[k] is enabled. The barcode reader or QR code reader function reads the code displayed in the store. The terminal 10A[k] acquires store information indicating the "purchase store" indicated by the code read by the barcode reader or QR code reader function. After terminal 10A[k] acquires the store information, for example, an input field for the payment amount is displayed on terminal 10A[k]. After user U inputs the payment amount in the input field, for example, when user U touches a send button displayed on terminal 10A[k], terminal 10A[k] generates purchase information including the "user ID," "payment amount," "purchase date and time," and "purchase store." Furthermore, terminal 10A[k] transmits payment instruction information including the purchase information to application management server 30.

[0022] Alternatively, the in-store device 20 may be installed within a company that operates an online store. When the in-store device 20 is installed within a company that operates an online store, a user U[k] visits the online store via the Internet using a terminal 10A[k]. When the user U[k] purchases a product or service at the online store using the terminal 10A[k], the terminal 10A[k] transmits purchase information to the in-store device 20, the purchase information including a "user ID" that is an identifier of the user U, a "payment amount" that is the purchase price of the product or service, and a "purchase date and time" that is the date and time when the product or service was purchased.

[0023] When the user U[k] purchases a product or service through online payment, the in-store device 20 generates payment instruction information by adding store information indicating the "purchase store" that indicates the store where the in-store device 20 is installed to the purchase information. The in-store device 20 transmits the payment instruction information to the payment server 50.

[0024] The application management server 30 manages the above applications installed in the terminals 10A[1] to 10A[n] via the communication network NET.

[0025] The application payment management server 40A manages information used for payment when the user U makes a payment using an application installed on the terminal 10A.

[0026] When user U[k] attempts to pay for the purchase of goods or services using the above-mentioned application installed on terminal 10A, the payment server 50 executes payment processing based on the payment instruction information obtained from the application payment management server 40A. Furthermore, when the user U connects the terminal 10A to the Internet and makes an online payment, the payment server 50 executes the payment process based on the payment instruction information acquired from the in-store device 20 via the communication network NET.

[0027] In the payment system 1A shown in Fig. 1, as described above, user U[k] pays for the purchase price of purchased goods or services using a payment application installed on terminal 10A[k]. User U[k] can select multiple payment methods in the payment application.

[0028] 2 is a diagram showing an example of a payment method setting screen SI in the payment application according to this embodiment. The setting screen SI is displayed on a display device 15 (described below) provided in the terminal 10A[k]. As an example, the setting screen SI is a screen of a site displayed on the display device 15 as a function of the payment application.

[0029] The setting screen SI includes a first area AR1, a second area AR2, a third area AR3, and a fourth area AR4. The fourth area AR4 includes a first sub-area AR41, a second sub-area AR42, and a third sub-area AR43.

[0030] The first area AR1 indicates the payment method using a credit card. In the example shown in Figure 2, the user U[k] can use multiple credit cards as a payment method for the purchase amount. When selecting a payment method using a credit card, the first area AR1 displays information indicating the first credit card that is currently to be used. In FIG. 2, the first area AR1 indicates that the credit card that is currently to be used is "Card A." The first area AR1 also indicates that the last four digits of the card number of "Card A" are "5503." The first area AR1 also indicates that the expiration date of "Card A" is "March 2027."

[0031] Although not shown in FIG. 2, the credit card brand of the "A Card" is "VIKK," as will be described later.

[0032] The second area AR2 indicates a payment method using telephone bill combined payment. Here, "telephone bill combined payment" refers, as an example, to a payment method provided by a telecommunications company, in which the payment is combined with the telecommunications charge within a specified amount. When paying for the purchase of goods or services using "telephone bill combined payment," the purchase amount may be debited from a pre-set bank account of user U[k]. Alternatively, the purchase amount may be settled using a pre-set credit card.

[0033] The third area AR3 shows a payment method using the remaining balance. Here, the "remaining balance" refers to the unused amount of the amount previously charged using the payment application.

[0034] The fourth area AR4 indicates a credit card that is registered in the payment application but is different from the credit card currently to be used when paying the purchase amount using the credit card payment method shown in the first area AR1.

[0035] In the example shown in FIG. 2, information indicating a second credit card is displayed in a first sub-area AR41 included in the fourth area AR4. In the example shown in FIG. 2, the first sub-area AR41 indicates that the brand of the second credit card is "VIKK." The first sub-area AR41 also indicates that the last four digits of the card number of the credit card are "5503." The first sub-area AR41 also indicates that the expiration date of the credit card is "March 2027."

[0036] In the example shown in FIG. 2, information indicating a third credit card is displayed in the second sub-area AR42 included in the fourth area AR4. In the example shown in FIG. 2, the second sub-area AR42 indicates that the brand of the third credit card is "JTH." The second sub-area AR42 also indicates that the last four digits of the card number of the credit card are "0587." The second sub-area AR42 also indicates that the expiration date of the credit card is "August 2028."

[0037] When the user U[k] performs a touch operation on the first sub-area AR41, the credit card currently to be used, which is displayed in the first area AR1, can be switched to the credit card displayed in the first sub-area AR41. Similarly, when the user U[k] performs a touch operation on the second sub-area AR42, the credit card currently to be used, which is displayed in the first area AR1, can be switched to the credit card displayed in the second sub-area AR42.

[0038] 2, the third sub-area AR43 included in the fourth area AR4 is an area for registering a new credit card. User U[k] registers a new credit card by clicking the “+” button shown in the third sub-area AR43.

[0039] 2, the first area AR1, the second area AR2, and the third area AR3 each include a check box CK. By performing a touch operation on a check box CK included in the first area AR1, the second area AR2, or the third area AR3, the user U[k] selects the payment method indicated by the first area AR1, the second area AR2, or the third area AR3 that includes the check box CK where the touch operation was performed.

[0040] As will be described later, only the last four digits of each card number of multiple credit cards are stored in the non-volatile memory of storage device 12A used in the payment application illustrated in Fig. 2. The payment application manages multiple credit cards using the last four digits of the card number, brand name, and expiration date, which are part of the identification information of these credit cards.

[0041] In Figure 2, the first credit card being "A Card" is merely an example. The first credit card may be a card other than "A Card." Also, the brand of the second credit card being "VIKK" is merely an example. The brand of the second credit card may be another brand. Also, the brand of the third credit card being "JTH" is merely an example. The brand of the third credit card may be another brand.

[0042] 1-1-2: Configuration of terminal 10A[k] Fig. 3 is a block diagram showing an example configuration of terminal 10A[k]. As shown in Fig. 3, terminal 10A[k] includes a processing device 11A, a storage device 12A, a communication device 13, an imaging device 14, a display device 15, and an input device 16. The elements of terminal 10A[k] are connected to each other by one or more buses for communicating information.

[0043] The processing device 11A is a processor that controls the entire terminal 10A[k]. The processing device 11A is configured using, for example, one or more chips. The processing device 11A is also configured using, for example, a central processing unit (CPU) including an interface with peripheral devices, an arithmetic unit, and registers. Some or all of the functions of the processing device 11A may be realized by hardware such as a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array). The processing device 11A executes various processes in parallel or sequentially.

[0044] The storage device 12A is a recording medium that can be read and written by the processing device 11A. The storage device 12A includes, for example, a nonvolatile memory and a volatile memory. The nonvolatile memory is, for example, a ROM (Read Only Memory), an EPROM (Erasable Programmable Read Only Memory), and an EEPROM (Electrically Erasable Programmable Read Only Memory). The volatile memory is, for example, a RAM (Random Access Memory). The storage device 12A also stores a control program PR1A executed by the processing device 11A and an identification information database IDB. The identification information database IDB is stored in a nonvolatile memory provided in the storage device 12A. The storage device 12A also functions as a work area for the processing device 11A.

[0045] The identification information database IDB is a database that stores a portion of the identification information that uniquely identifies each credit card used in the payment application. This "portion of the identification information" is an example of "first information."

[0046] FIG. 4 is a table showing an example of the configuration of the identification information database IDB. The identification information database IDB has the following items: "card ID," "card name," "type flag," "brand name," "card number," and "expiration date."

[0047] "Card ID" is an identifier for each credit card.

[0048] "Card name" is the name of each credit card. The card name varies depending on the card company that issues the credit card.

[0049] The "type flag" is a flag corresponding to the type of each credit card. Credit cards with a "type flag" of "1" are credit cards currently to be used for credit card payments, as shown in the first area AR1 in Figure 2. Credit cards with a "type flag" of "2" are credit cards used for combined payments of telephone bills, as shown in the second area AR2 in Figure 2. Credit cards with a "type flag" of "3" are other credit cards, as shown in the fourth area AR4 in Figure 2.

[0050] "Brand name" is the name of each credit card brand.

[0051] "Card number" is the last four digits of each credit card number.

[0052] "Expiration Date" is the expiration date of each credit card.

[0053] In the identification information database IDB illustrated in FIG. 4, as an example, a credit card with a "card ID" of "0001" has a "card name" of "Card A." Furthermore, the credit card with a "card ID" of "0001" is the credit card that is currently to be used when credit card payment is the payment method. Furthermore, the "brand name" of the credit card with a "card ID" of "0001" is "VIKK." Furthermore, the last four digits of the card number of the credit card with a "card ID" of "0001" is "5503." Furthermore, the expiration date of the credit card with a "card ID" of "0001" is "March 2027."

[0054] In FIG. 3, the communication device 13 is hardware serving as a transmitting / receiving device for communicating with other devices. The communication device 13 is also called, for example, a network device, a network controller, a network card, or a communication module. The communication device 13 may include a connector for wired connection and an interface circuit corresponding to the connector. The communication device 13 may also include a wireless communication interface. Examples of the connector and interface circuit for wired connection include products that comply with wired LAN, IEEE 1394, and USB. Examples of the wireless communication interface include products that comply with wireless LAN, Bluetooth (registered trademark), etc.

[0055] The imaging device 14 captures an image of the outside world of the terminal 10A[k]. As described above, when the user U[k] launches the payment application on the terminal 10A[k], and the barcode reader or QR code reader function of the terminal 10A[k] is enabled, the imaging device 14 functions as the barcode reader or QR code reader.

[0056] The display device 15 is a device that displays images and text information. The display device 15 displays various images under the control of the processing device 11A. For example, various display panels such as a liquid crystal display panel and an organic EL display panel are suitably used as the display device 15.

[0057] The input device 16 is a device that accepts operations from the user Uk. For example, the input device 16 includes a keyboard, a touchpad, a touch panel, or a pointing device such as a mouse. Here, if the input device 16 includes a touch panel, it may also serve as the display device 15.

[0058] The processing device 11A functions as a communication control unit 111, a reception unit 112, a determination unit 113, a display control unit 114A, and an output unit 115A, for example, by reading and executing a control program PR1A from the storage device 12A.

[0059] The communication control unit 111 causes the communication device 13 to transmit and receive various types of information to and from other devices.

[0060] The reception unit 112 normally receives an operation of the user U[k]. As an example, as described above, when the input device 16 includes a touch panel and also serves as the display device 15, the reception unit 112 receives an operation of the user U[k] on the touch panel.

[0061] 5 is a diagram showing an example of a payment confirmation screen PI displayed on the display device 15. The payment confirmation screen PI is, for example, a screen of a site displayed on the display device 15 as a function of the payment application.

[0062] The payment confirmation screen PI includes a fifth area AR5, a sixth area AR6, and a seventh area AR7.

[0063] The fifth area AR5 displays the store where the user U[k] will purchase the product or service. Furthermore, the fifth area AR5 displays the purchase price of the product or service. The purchase price may be an amount that is automatically displayed when the user U[k] specifies the product or service to purchase. Alternatively, the purchase price may be an amount that the user U[k] inputs using a touch panel included in the input device 16. If the purchase price is an amount that the user U[k] inputs, the reception unit 112 receives a touch operation by the user U[k] on the touch panel. In this embodiment, the touch operation by the user U[k] on the touch panel is also the touch operation by the user U[k] on the display device 15.

[0064] The sixth area AR6 displays the current payment method. In the example shown in FIG. 5, the sixth area AR6 displays a payment method using a credit card, "Card A," as the current payment method. The sixth area AR6 also displays a pull-down menu PD1 for selecting another payment method if the user U[k] wants to change the payment method. If the user U[k] wants to select another payment method, the accepting unit 112 accepts the user U[k]'s touch operation on the pull-down menu PD1. In other words, the accepting unit 112 accepts the user U[k]'s touch operation on the touch panel at the location where the pull-down menu PD1 is displayed.

[0065] The seventh area AR7 displays an image of a first icon IC1 used by the user U[k] to instruct payment. In the example shown in FIG. 5, the image of the first icon IC1 is used to instruct credit card payment. In addition, in the example shown in FIG. 5, the image of the first icon IC1 is configured to indicate that a touch operation by the user U[k] on the image of the first icon IC1 is valid. The reception unit 112 receives a touch operation by the user U[k] on the image of the first icon IC1. In other words, the reception unit 112 receives a touch operation by the user U[k] on the touch panel at a location where the image of the first icon IC1 is displayed.

[0066] 3, when the accepting unit 112 accepts an operation of the user U[k] instructing a credit card payment using the first credit card, the determining unit 113 determines whether the same first information as the first information related to the first credit card is stored elsewhere in the storage device 12A. As described above, the storage device 12A stores first information that is part of identification information that uniquely identifies each of a plurality of credit cards that the user U[k] can use for credit card payments.

[0067] In the example shown in Figure 5, the above-mentioned "credit card payment using the first credit card" is a credit card payment using "Card A" shown in the sixth area AR6. Here, referring to the identification information database IDB shown in Figure 4, in the case of a credit card whose "card name" is "Card A" and whose "card ID" is "0001", the first information, which is part of the identification information, indicates that the "brand name" is "VIKK", the "card number" is "5503", and the "expiration date" is "March 2027".

[0068] In the identification information database IDB illustrated in Figure 4, the first information of the credit card with the "card ID" of "0003" also indicates that the "brand name" is "VIKK", the "card number" is "5503", and the "expiration date" is "March 2027".

[0069] As a result, determination unit 113 determines that the same first information as the first information related to the first credit card is stored elsewhere in storage device 12A. That is, in the example shown in Fig. 5, the determination result of determination unit 113 is positive.

[0070] In FIG. 3, when the determination result of the determination unit 113 is positive, the display control unit 114A displays on the display device 15 that payment by credit card is not possible.

[0071] Fig. 6 is a diagram showing an example of a first message image MI1 that is displayed when an operation by user U[k] on the image of first icon IC1 is accepted on the payment confirmation screen PI shown in Fig. 5. The first message image MI1 includes a message indicating that payment cannot be made because part of the credit card identification information is duplicated. That is, in FIG. 6, the display control unit 114A displays on the display device 15 that payment by credit card is not possible.

[0072] The first message image MI1 also includes an image of a second icon IC2, which is an image that the user U[k] touches when the user U[k] accepts the message included in the first message image MI1.

[0073] FIG. 7 is a diagram showing an example of a payment confirmation screen PI that is displayed on the display device 15 when an operation by the user U[k] on the image of the second icon IC2 in the first message image MI1 exemplified in FIG. 6 is accepted.

[0074] 7, a second message image MI2 is displayed in the sixth area AR6. The second message image MI2 includes a message urging the user to change their payment method because the current payment method is unavailable. That is, in FIG. 7, the display control unit 114A displays on the display device 15 a message urging the user to change from the current credit card payment using the first credit card to another payment method.

[0075] The second message image MI2 also includes an image of a third icon IC3, which is touched by the user U[k] when the user U[k] wants to know FAQs (Frequently Asked Questions) related to the message included in the second message image MI2.

[0076] Also, in the example shown in FIG. 7, the image of the first icon IC1 displayed in the seventh area AR7 is in a state indicating that the touch operation by the user U[k] on the image of the first icon IC1 is invalid. That is, in the example shown in FIG. 7, the display control unit 114A changes the image of the first icon IC1 to a mode indicating that the touch operation is invalid.

[0077] In this case, the reception unit 112 does not accept the operation of the user U[k] instructing the execution of the credit card payment. More specifically, the reception unit 112 does not accept the touch operation of the user U[k] on the image of the first icon IC1. In other words, the reception unit 112 does not accept the touch operation of the user U[k] on the touch panel at the location where the image of the first icon IC1 is displayed.

[0078] 7, when the user U[k] performs a touch operation on the image of the pull-down menu PD1 to change to another payment method, the reception unit 112 receives the touch operation on the image of the pull-down menu PD1. In other words, the reception unit 112 receives the touch operation of the user U[k] on the touch panel at the location where the image of the pull-down menu PD1 is displayed.

[0079] In this case, the first icon IC1 is changed to a state indicating that the touch operation is valid. In other words, the display control unit 114A changes the image of the first icon IC1 from a state of the first icon IC1 indicating that the touch operation is invalid to a state indicating that the touch operation is valid. Note that the first icon IC1 is common to both credit card payments using the first credit card and other payment methods.

[0080] Fig. 8 is a diagram showing an example of a third message image MI3 displayed on the display device 15 when an operation by the user U[k] on the image of the third icon IC3 is accepted on the payment confirmation screen PI exemplified in Fig. 7. The third message image MI3 includes a message that provides an explanation for when it is necessary to change the payment method, as an FAQ related to the message included in the second message image MI2. That is, in FIG. 8, the display control unit 114A displays on the display device 15 an explanation for when the payment method needs to be changed.

[0081] The third message image MI3 also includes an image of a fourth icon IC4, which is an image that the user U[k] touches when the user U[k] checks the message included in the third message image MI3.

[0082] In FIG. 3, when the determination result of determination unit 113 is negative, output unit 115A outputs payment instruction information instructing credit card payment using the first credit card. The payment instruction information includes the purchase information and the first information that is part of the identification information.

[0083] The payment instruction information output by the output unit 115A is transmitted to the application management server 30 by the communication control unit 111.

[0084] The application management server 30 transmits the payment instruction information received from the terminal 10A[k] to the application payment management server 40A. The application payment management server 40A transmits the payment instruction information received from the application management server 30 to the payment server 50. The payment server 50 settles the purchase amount based on the payment instruction information and in accordance with the purchase information included in the payment instruction information.

[0085] More specifically, the payment instruction information includes purchase information and first information. The purchase information includes a "user ID." The payment server 50 uniquely identifies the credit card using the "user ID" and the first information, and settles the purchase amount included in the purchase information.

[0086] 1-2: Operation of the first embodiment FIG. 9 is a flowchart showing the operation of the terminal 10A[k] according to the first embodiment.

[0087] In step S1, the processing device 11A functions as the reception unit 112. The processing device 11A receives an operation by the user U[k] to instruct credit card payment using a first credit card.

[0088] In step S2, the processing device 11A functions as the determination unit 113. The processing device 11A determines whether or not the same first information as the first information related to the first credit card is stored elsewhere in the storage device 12A. As described above, the storage device 12A stores first information that is part of identification information that uniquely identifies each of a plurality of credit cards that the user U[k] can use for credit card payments. If the determination result is positive (YES in step S2), the processing device 11A executes the operation of step S3. If the determination result is negative (NO in step S2), the processing device 11A executes the operation of step S4.

[0089] In step S3, the processing device 11A functions as the display control unit 114A. The processing device 11A displays on the display device 15 a message that credit card payment using the first credit card is not possible.

[0090] In step S4, the processing device 11A functions as the output unit 115A. The processing device 11A outputs payment instruction information that instructs credit card payment using the first credit card.

[0091] 1-3: Effects of the First Embodiment The terminal 10A[k] according to this embodiment includes a determination unit 113 and a display control unit 114A. When an operation by a user U[k] instructing credit card payment using a first credit card is accepted, the determination unit 113 determines whether or not the same first information as the first information relating to the first credit card is stored elsewhere in the storage device 12A that stores first information, which is part of identification information that uniquely identifies each of multiple credit cards that the user U[k] can use for credit card payments. When the determination result of the determination unit 113 is positive, the display control unit 114A displays on the display device 15 that the credit card payment cannot be performed.

[0092] By having the above configuration, terminal 10A can recognize that payment is not possible before payment server 50 attempts payment if user U[k] owns another credit card that has the same part of the card face information as the credit card used for payment.

[0093] Furthermore, in the terminal 10A[k] according to this embodiment, the display control unit 114A further displays on the display device 15 a message urging the user to change from credit card payment to another payment method.

[0094] By having the above configuration, terminal 10A[k] is motivated to change the payment method when user U[k] is unable to make a payment because he / she owns another credit card that has part of the card face information identical to the credit card he / she is trying to use for payment.

[0095] Furthermore, after the fact that the credit card payment cannot be made is displayed on the display device 15, the terminal 10A[k] according to this embodiment does not accept an operation from the user U[k] to instruct the execution of the credit card payment.

[0096] By having the above configuration, terminal 10A[k] is unable to perform operations for payment when user U[k] is unable to make payment because he / she owns another credit card that has part of the card face information identical to the credit card he / she is trying to use for payment.

[0097] Furthermore, in terminal 10A[k] according to this embodiment, the operation of user U[k] to instruct the execution of the above-mentioned credit payment is an operation on a site displayed on display device 15 as a function of an application for executing the credit payment.

[0098] By having the above configuration, the terminal 10A[k] can attempt credit card payment using the first credit card on the site displayed on the display device 15.

[0099] In addition, in the terminal 10A[k] according to this embodiment, the operation of the user U[k] to instruct credit card payment is a touch operation by the user U[k] on the image of the first icon IC1 included in the above site. The display control unit 114A displays on the display device 15 that credit card payment is not possible, and then changes the image of the first icon IC1 to a mode indicating that the touch operation is invalid.

[0100] By having the above configuration, terminal 10A[k] is unable to perform operations for payment when user U[k] is unable to make payment because he / she owns another credit card that has part of the card face information identical to the credit card he / she is trying to use for payment.

[0101] In addition, in the terminal 10A[k] according to this embodiment, the above icon is common to both credit card payment and other payment methods. When the reception unit 112 receives a touch operation by the user U[k] to change the payment method from credit card payment to another payment method, the display control unit 114A changes the image of the first icon IC1 from a state indicating that the touch operation is invalid to a state indicating that the touch operation is valid.

[0102] By having the above configuration, terminal 10A[k] can change the payment method and perform the payment operation when user U[k] is unable to make a payment because he / she owns another credit card that has part of the card face information identical to the credit card he / she is trying to use for payment.

[0103] Furthermore, the terminal 10A[k] according to this embodiment further includes an output unit 115A that outputs payment instruction information instructing credit card payment using the first credit card when the determination result of the determination unit 113 is negative.

[0104] By having the above configuration, the terminal 10A[k] can make payments even if the user U[k] does not own multiple credit cards with part of the same card information.

[0105] In addition, the control method of this embodiment includes, when an operation by user U[k] instructing credit payment using a first credit card is accepted, determining whether or not the same first information as the first information relating to the first credit card is stored elsewhere in memory device 12A, which stores first information that is part of identification information that uniquely identifies each of multiple credit cards that user U[k] can use for credit payment, and, if the result of the determination is positive, displaying on display device 15 that credit payment cannot be made.

[0106] The control method of this embodiment has the above-mentioned configuration, and when user U[k] owns another credit card that has the same part of the card face information as the credit card used for payment, it can recognize that payment is not possible before the payment server 50 attempts the payment.

[0107] In addition, the information processing program of this embodiment, when an operation by user U[k] instructing credit payment using a first credit card is accepted, causes the processing device 11A to determine whether the same first information as the first information relating to the first credit card is stored in the memory device 12A that stores first information, which is part of the identification information that uniquely identifies each of the multiple credit cards that user U[k] can use for credit payment, and if the result of the determination is positive, to display on the display device 15 that the above credit payment cannot be made.

[0108] The information processing program of this embodiment has the above configuration, and when user U[k] owns another credit card that has the same part of the card face information as the credit card used for payment, it can recognize that payment is not possible before the payment server 50 attempts the payment.

[0109] 2: Second embodiment Below, payment system 1B according to the second embodiment will be described with reference to Figures 10 to 12. Note that, for the sake of simplicity, among the components of payment system 1B, the same components as those of payment system 1A will be designated by the same reference numerals, and the description of their functions may be omitted. Furthermore, below, differences between payment system 1B and payment system 1A will be mainly described.

[0110] As described above, in the payment system 1A according to the first embodiment, the terminal 10A[k] stores an identification information database IDB, and determines whether the identification information database IDB, which stores first information that is part of the identification information that uniquely identifies each of the multiple credit cards that the user U[k] can use for credit card payments, also stores the same first information as the first information relating to the first credit card.

[0111] On the other hand, in the payment system 1B of this embodiment, the application payment management server 40A described later stores an identification information database IDB and determines whether the identification information database IDB, which stores first information that is part of the identification information that uniquely identifies each of multiple credit cards that user U[k] can use for credit card payments, contains other first information that is identical to the first information related to the first credit card.

[0112] 2-1: Configuration of the second embodiment 2-1-1: Overall structure Compared to payment system 1A, payment system 1B according to this embodiment includes terminals 10B[1] to 10B[n] instead of terminals 10A[1] to 10A[n], and includes application payment management server 40B instead of application payment management server 40A. In other respects, the overall configuration of payment system 1B according to this embodiment is the same as the overall configuration of payment system 1A shown in FIG. 1, and therefore is not shown in the figures. Application payment management server 40B is an example of a "payment management server."

[0113] 2-1-2: Configuration of application payment management server 40B Fig. 10 is a block diagram showing an example configuration of application payment management server 40B. As shown in Fig. 10, application payment management server 40B includes processing device 41B, storage device 42B, communication device 43, display device 44, and input device 45. The elements of application payment management server 40B are connected to each other by one or more buses for communicating information.

[0114] Processing device 41B is a processor that controls the entire application payment management server 40B. Processing device 41B is configured, for example, using one or more chips. Processing device 41B is also configured, for example, using a central processing unit (CPU) that includes an interface with peripheral devices, an arithmetic unit, and registers. Note that some or all of the functions of processing device 41B may be realized by hardware such as a DSP, ASIC, PLD, and FPGA. Processing device 41B executes various processes in parallel or sequentially.

[0115] The storage device 42B is a recording medium that can be read and written by the processing device 41B. The storage device 42B includes, for example, a nonvolatile memory and a volatile memory. The nonvolatile memory is, for example, a ROM, an EPROM, and an EEPROM. The volatile memory is, for example, a RAM. The storage device 42B also stores a control program PR4B executed by the processing device 41B and an identification information database IDB. The identification information database IDB is stored in a nonvolatile memory provided in the storage device 42B. The storage device 42B also functions as a work area for the processing device 41B.

[0116] The identification information database IDB is the same database as the identification information database IDB stored in the terminal 10A[k] in the payment system 1A according to the first embodiment.

[0117] The communication device 43 is hardware serving as a transmitting / receiving device for communicating with other devices. The communication device 43 is also called, for example, a network device, a network controller, a network card, a communication module, etc. The communication device 43 may include a connector for wired connection and an interface circuit corresponding to the connector. The communication device 43 may also include a wireless communication interface. Examples of the connector and interface circuit for wired connection include products that comply with wired LAN, IEEE1394, and USB. Examples of the wireless communication interface include products that comply with wireless LAN, Bluetooth (registered trademark), etc.

[0118] The display device 44 is a device that displays images and text information. The display device 44 displays various images under the control of the processing device 41B. For example, various display panels such as a liquid crystal display panel and an organic EL display panel are suitably used as the display device 44.

[0119] Input device 45 is a device that accepts operations from the administrator of application payment management server 40B. For example, input device 45 includes a keyboard, a touchpad, a touch panel, or a pointing device such as a mouse. Here, when input device 45 includes a touch panel, it may also serve as display device 44.

[0120] The processing device 41B functions as a communication control unit 411, a reception unit 412, and a determination unit 413, for example, by reading and executing a control program PR4B from the storage device 42B.

[0121] The communication control unit 411 causes the communication device 43 to transmit and receive various types of information to and from other devices.

[0122] The reception unit 412 receives an operation of the user U[k] on the terminal 10B[k] via another device.

[0123] As an example, operation information indicating an operation by user U[k] on terminal 10B[k] is transmitted from terminal 10B[k] to application management server 30. The application management server 30 transmits the operation information received from terminal 10B[k] to application payment management server 40A. The reception unit 412 receives the operation information received from the application management server 30.

[0124] When the accepting unit 412 accepts an operation of the user U[k] instructing credit card payment using the first credit card, the determining unit 413 determines whether the same first information as the first information related to the first credit card is stored elsewhere in the storage device 42B. As described above, the storage device 42B stores first information that is part of identification information that uniquely identifies each of a plurality of credit cards that the user U[k] can use for credit card payment.

[0125] The communication control unit 411 causes the communication device 43 to transmit the determination result of the determination unit 413 to the terminal 10B[k] via another device.

[0126] As an example, the determination result is transmitted from application payment management server 40A to application management server 30. Application management server 30 transmits the determination result received from application payment management server 40A to terminal 10B[k].

[0127] 2-1-3: Configuration of terminal 10B[k] Fig. 11 is a block diagram showing an example configuration of terminal 10B[k]. As shown in Fig. 3, terminal 10B[k] includes a processing device 11B, a storage device 12B, a communication device 13, an imaging device 14, a display device 15, and an input device 16. The elements of terminal 10B[k] are connected to each other by one or more buses for communicating information.

[0128] The processing device 11B is a processor that controls the entire terminal 10B[k]. The processing device 11B is configured using, for example, one or more chips. The processing device 11B is also configured using, for example, a central processing unit (CPU) that includes an interface with peripheral devices, an arithmetic unit, a register, etc. Some or all of the functions of the processing device 11B may be realized by hardware such as a DSP, an ASIC, a PLD, and an FPGA. The processing device 11B executes various processes in parallel or sequentially.

[0129] The storage device 12B is a recording medium that can be read and written by the processing device 11B. The storage device 12B includes, for example, a nonvolatile memory and a volatile memory. The nonvolatile memory is, for example, a ROM, an EPROM, and an EEPROM. The volatile memory is, for example, a RAM. The storage device 12B also stores a control program PR1B executed by the processing device 11B. The storage device 12B also functions as a work area for the processing device 11B.

[0130] The processing device 11B functions as a communication control unit 111, a reception unit 112, a display control unit 114B, and an output unit 115B, for example, by reading and executing a control program PR1B from the storage device 12B.

[0131] When the determination result received from application payment management server 40A via another device is affirmative, display control unit 114B displays on display device 15 that credit card payment is not possible.

[0132] Furthermore, similar to the display control unit 114A, the display control unit 114B also displays on the display device 15 a message urging the user to change from credit card payment to another payment method.

[0133] In addition, like the display control unit 114A, the display control unit 114B displays on the display device 15 that credit card payment is not possible, and then changes the image of the first icon IC1 corresponding to the execution of credit card payment to a state indicating that the touch operation is invalid.

[0134] In addition, similar to the display control unit 114A, when the reception unit 112 receives a touch operation from the user Uk to change from credit card payment to another payment method, the display control unit 114B changes the image of the first icon IC1 from a state indicating that the touch operation is invalid to a state indicating that the touch operation is valid.

[0135] When the determination result received from application payment management server 40A via another device is negative, output unit 115B outputs payment instruction information instructing credit payment using the first credit card.

[0136] 2-2: Operation of the second embodiment FIG. 12 is a flowchart showing the operation of the application payment management server 40B according to the second embodiment.

[0137] In step S11, the processing device 41B functions as the reception unit 412. The processing device 41B receives an operation by the user U[k] to instruct credit card payment using the first credit card at the terminal 10B[k].

[0138] In step S12, the processing device 41B functions as the determination unit 413. The processing device 41B determines whether or not the same first information as the first information related to the first credit card is stored elsewhere in the storage device 42B. As described above, the storage device 42B stores first information that is part of identification information that uniquely identifies each of multiple credit cards that the user U[k] can use for credit card payments. If the determination result is positive (YES in step S12), the processing device 41B executes the operation of step S13. If the determination result is negative (NO in step S12), the processing device 41B executes the operation of step S14.

[0139] In step S13, the processing device 41B functions as the communication control unit 411. The processing device 41B causes the communication device 43 to transmit a positive determination result to the terminal 10B[k] via another device.

[0140] In step S14, the processing device 41B functions as the communication control unit 411. The processing device 41B causes the communication device 43 to transmit a negative determination result to the terminal 10B[k] via another device.

[0141] 2-3: Effects of the second embodiment The application payment management server 40B according to this embodiment includes a reception unit 412, a determination unit 413, and a communication control unit 411. The reception unit 112 receives an operation by the user U[k] on the terminal 10B[k]. When the reception unit 412 receives an operation by the user U[k] instructing a credit payment using a first credit card, the determination unit 413 determines whether the same first information as the first information related to the first credit card is stored in the storage device 42B that stores first information, which is part of identification information that uniquely identifies each of multiple credit cards that the user U[k] can use for credit payment. The communication control unit 411 causes the communication device 43 to transmit the determination result of the determination unit 413 to the terminal 10B[k].

[0142] By having the above configuration, the application payment management server 40B can recognize that payment is not possible before the payment server 50 attempts payment if the user U[k] owns another credit card that has part of the card face information identical to the credit card used for payment.

[0143] 3: Variation The present disclosure is not limited to the above-described exemplary embodiments. Specific modified embodiments are exemplified below.

[0144] 3-1: Variation 1 The terminal 10A[k] according to the first embodiment includes a storage device 12A that stores the identification information database IDB. However, the terminal 10A[k] may include a storage device as an external device, and the storage device as the external device may store the identification information database IDB.

[0145] Similarly, application payment management server 40B according to the second embodiment includes storage device 42B that stores identification information database IDB. However, application payment management server 40B may include a storage device as an external device, and the storage device as the external device may store identification information database IDB.

[0146] 4:Other (1) In the above-described embodiment, ROM and RAM are exemplified as storage devices 12A, 12B, and 42B, but other suitable storage media may also be used, such as flexible disks, magneto-optical disks (e.g., compact disks, digital versatile disks, Blu-ray (registered trademark) disks), smart cards, flash memory devices (e.g., cards, sticks, key drives), CD-ROMs (Compact Disc-ROMs), registers, removable disks, hard disks, floppy (registered trademark) disks, magnetic strips, databases, servers, or other suitable storage media.

[0147] (2) In the above-described embodiments, the described information, signals, etc. may be represented using any of a variety of different technologies. For example, data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description may be represented by voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, optical fields or photons, or any combination thereof.

[0148] (3) In the above-described embodiment, input and output information may be stored in a specific location (for example, a memory) or may be managed using a management table. Input and output information may be overwritten, updated, or added to. Output information may be deleted. Input information may be transmitted to another device.

[0149] (4) In the above-described embodiment, the determination may be made by a value (0 or 1) represented using one bit, by a Boolean value (true or false), or by a comparison of numerical values ​​(e.g., comparison with a predetermined value).

[0150] (5) The order of the process procedures, sequences, flowcharts, etc. illustrated in the above-described embodiments may be rearranged unless inconsistent. For example, the methods described in this disclosure present elements of various steps using an example order, and are not limited to the particular order presented.

[0151] (6) Each function illustrated in Figures 1 to 12 is realized by any combination of at least one of hardware and software. Furthermore, the method for realizing each functional block is not particularly limited. That is, each functional block may be realized using a single device that is physically or logically coupled, or may be realized using two or more physically or logically separated devices that are connected directly or indirectly (for example, by wire, wirelessly, etc.) and these multiple devices. A functional block may be realized by combining the single device or multiple devices with software.

[0152] (7) The programs exemplified in the above-described embodiments should be broadly construed to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, functions, etc., regardless of whether they are called software, firmware, middleware, microcode, hardware description language, or by other names.

[0153] Software, instructions, information, etc. may also be transmitted or received over a transmission medium. For example, if software is transmitted from a website, server, or other remote source using wired technologies (such as coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL)), and / or wireless technologies (such as infrared, microwave), then these wired and / or wireless technologies are included within the definition of transmission media.

[0154] (8) In each of the foregoing embodiments, the terms "system" and "network" are used interchangeably.

[0155] (9) The information, parameters, etc. described in this disclosure may be expressed using absolute values, relative values ​​from a predetermined value, or corresponding other information.

[0156] (10) In the above-described embodiments, the terminal 10A and the terminal 10B may be mobile stations (MS). A mobile station may also be referred to by those skilled in the art as a subscriber station, mobile unit, subscriber unit, wireless unit, remote unit, mobile device, wireless device, wireless communication device, remote device, mobile subscriber station, access terminal, mobile terminal, wireless terminal, remote terminal, handset, user agent, mobile client, client, or some other appropriate term. In this disclosure, terms such as "mobile station," "user terminal," "user equipment (UE)," and "terminal" may be used interchangeably.

[0157] (11) In the above-described embodiments, the terms "connected," "coupled," or any variations thereof refer to any direct or indirect connection or coupling between two or more elements, and may include the presence of one or more intermediate elements between two elements that are "connected" or "coupled" to each other. The coupling or connection between elements may be a physical coupling or connection, a logical coupling or connection, or a combination thereof. For example, "connected" may be read as "access." As used in this disclosure, two elements may be considered to be "connected" or "coupled" to each other using at least one of one or more wires, cables, and printed electrical connections, as well as electromagnetic energy having wavelengths in the radio frequency range, microwave range, and optical (both visible and invisible) range, as some non-limiting and non-exhaustive examples.

[0158] (12) In the above embodiments, the phrase "based on" does not mean "based only on," unless otherwise specified. In other words, the phrase "based on" means both "based only on" and "based at least on."

[0159] (13) As used in this disclosure, the terms "determining" and "determining" may encompass a wide variety of actions. "Determining" and "determining" may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up, searching, inquiring (e.g., searching in a table, database, or other data structure), ascertaining, and the like. "Determining" and "determining" may also include receiving (e.g., receiving information), transmitting (e.g., sending information), input, output, accessing (e.g., accessing data in memory), and the like. Furthermore, "judgment" and "decision" can include regarding resolving, selecting, choosing, establishing, comparing, etc. as having been "judged" or "decided." In other words, "judgment" and "decision" can include regarding some action as having been "judged" or "decided." Furthermore, "judgment (decision)" can be interpreted as "assuming," "expecting," "considering," etc.

[0160] (14) In the above embodiments, when "include," "including," and variations thereof are used, these terms are intended to be inclusive, similar to the term "comprising." Furthermore, the term "or" as used in this disclosure is not intended to be an exclusive or.

[0161] (15) In this disclosure, where articles are added by translation, such as a, an, and the in English, this disclosure may include the nouns following these articles being plural.

[0162] (16) In this disclosure, the term "A and B are different" may mean "A and B are different from each other." The term may also mean "A and B are each different from C." Terms such as "separate" and "combined" may also be interpreted in the same way as "different."

[0163] (17) Each aspect / embodiment described in this disclosure may be used alone, in combination, or switched depending on the implementation. Notification of predetermined information (e.g., notification that "X is true") is not limited to explicit notification, but may be implicit (e.g., not notifying the predetermined information).

[0164] Although the present disclosure has been described in detail above, it is clear to those skilled in the art that the present disclosure is not limited to the embodiments described herein. The present disclosure can be implemented in modified and altered forms without departing from the spirit and scope of the present disclosure as defined by the claims. Therefore, the description of the present disclosure is intended to be illustrative and does not have any limiting meaning on the present disclosure. [Explanation of symbols]

[0165] 1A, 1B: payment system, IC1: first icon, IC2: second icon, IC3: third icon, IC4: fourth icon, 10A, 10B: terminal, 11A, 11B: processing device, 12A, 12B: storage device, 13: communication device, 14: imaging device, 15: display device, 16: input device, 20: store device, 30: application management server, 40A, 40B: application payment management server, 41B: processing device, 42B: storage device, 43: communication device, 44: display device, 45: input device, 50: payment server, 111: communication control unit, 112: reception unit, 113: determination unit, 114A, 114B: display control unit, 115A, 115B: Output unit, 411: Communication control unit, 412: Reception unit, 413: Determination unit, AR1: First area, AR2: Second area, AR3: Third area, AR4: Fourth area, AR41: First sub-area, AR42: Second sub-area, AR43: Third sub-area, AR5: Fifth area, AR6: Sixth area, AR7: Seventh area, CK: Check box, IDB: Identification information database, MI1: First message image, MI2: Second message image, MI3: Third message image, NET: Communication network, PD1: Pull-down, PI: Payment confirmation screen, PR1A, PR1B, PR4B: Control program, SI: Setting screen, U, Uk: User

Claims

1. a determination unit that, when a user's operation to instruct credit card payment using a first credit card is accepted, determines whether or not a storage device that stores first information, which is part of identification information that uniquely identifies each of a plurality of credit cards that the user can use for credit card payment, stores other first information that is the same as the first information related to the first credit card; a display control unit that displays on a display device a message indicating that the credit card payment cannot be made when the determination result of the determination unit is affirmative; and A terminal comprising:

2. The display control unit further displays on the display device a message urging the user to change from the credit card payment to another payment method. The terminal according to claim 1 .

3. After the display device displays that the credit card payment cannot be made, the user's operation to instruct the execution of the credit card payment is not accepted. The terminal according to claim 1 .

4. the user's operation to instruct execution of the credit card payment is an operation on a site displayed on the display device as a function of an application for executing the credit card payment; The terminal according to claim 3.

5. the user's operation to instruct the credit card payment is a touch operation by the user on an image of an icon included in the site, the display control unit displays on the display device a message that the credit card payment is not possible, and then changes the image of the icon to a mode indicating that the touch operation is invalid. The terminal according to claim 4.

6. The icon is common to the credit card payment and other payment methods, When the reception unit receives a touch operation by the user to change the payment method from the credit card payment to another payment method, the display control unit changes the image of the icon from a state indicating that the touch operation is invalid to a state indicating that the touch operation is valid. The terminal according to claim 5.

7. an output unit that outputs payment instruction information instructing credit card payment using the first credit card when the determination result of the determination unit is negative; The terminal according to claim 1 .

8. a reception unit that receives user operations on the terminal; a determination unit that, when the reception unit receives a user operation instructing credit card payment using a first credit card, determines whether or not a storage device that stores first information, which is part of identification information that uniquely identifies each of a plurality of credit cards that the user can use for credit card payment, stores the same first information as the first information related to the first credit card; a communication control unit that causes the terminal to transmit a determination result of the determination unit to a communication device; A payment management server comprising:

9. When a user's operation to instruct credit card payment using a first credit card is accepted, a storage device that stores first information that is part of identification information that uniquely identifies each of a plurality of credit cards that the user can use for credit card payment determines whether or not other first information identical to the first information related to the first credit card is stored; If the result of the determination is affirmative, displaying on a display device that the credit card payment is not possible; A control method comprising:

10. When a user's operation to instruct credit card payment using a first credit card is accepted, a storage device that stores first information that is part of identification information that uniquely identifies each of a plurality of credit cards that the user can use for credit card payment determines whether or not other first information identical to the first information related to the first credit card is stored; If the result of the determination is affirmative, displaying on a display device that the credit card payment is not possible; An information processing program that causes a processing device to execute the above.

Images