Information processing apparatus, information processing method, and program

Abstract

To improve convenience of a user.SOLUTION: And a processing unit configured to convert member shop identification information for identifying the member shop included in the credit settlement information into shop information of an electronic settlement service different from the credit card, and cause a display unit of a terminal of a customer corresponding to customer identification information for identifying the customer included in the credit settlement information to display the converted shop information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Conventionally, a program has been disclosed that provides information about a payment made using a credit card after the credit card has been used (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2021-157324 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technology has not always been able to provide sufficient services to users when making payments using credit cards, resulting in low convenience for users.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information processing device, an information processing method, and a program that can improve user convenience. For example, after using a credit card, a user can easily check information about the store they used on their terminal device. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that acquires credit card payment information regarding a payment that is sent in response to a user's use of a credit card at a credit card affiliated store, and a processing unit that converts affiliated store identification information that identifies the affiliated store included in the credit card payment information into store information for an electronic payment service different from the credit card, and displays the converted store information on a display unit of a user's terminal device that corresponds to user identification information that identifies the user included in the credit card payment information. [Effects of the Invention]

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

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] 1 is a configuration diagram of a payment server 100 according to an embodiment. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 10 is a diagram showing an example of credit card payment information 178. [Figure 8] FIG. 10 is a diagram showing an example of correspondence information 180. [Figure 9] FIG. 10 is a sequence diagram showing an example of a flow of processing executed by the electronic payment system. [Figure 10] 1 is a diagram showing an example of an interface screen IM1 provided on the display unit of the user terminal device 10. FIG. [Figure 11] 10 is a diagram showing an example of an interface screen IM2 provided on the display unit of the user terminal device 10. FIG. [Figure 12] 10 is a diagram showing an example of an interface screen IM3 provided on the display unit of the user terminal device 10. FIG. [Figure 13] FIG. 10 is a diagram showing an example of an interface screen IM3# provided on the display unit of the user terminal device 10. [Figure 14] FIG. 10 is a diagram showing an example of the contents of user correspondence information 182. [Figure 15] 10 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 16] 10 is a flowchart showing another example of the flow of the process executed by the payment server 100. [Figure 17] 10 is a diagram showing an interface screen that the payment server 100 causes to be displayed on the display unit of the user terminal device 10. FIG. [Figure 18] FIG. 10 is a diagram for explaining the use of sales information when obtaining authorization information. DETAILED DESCRIPTION OF THE INVENTION

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

[0010] [Electronic payment service] FIG. 1 shows an example of the configuration of an electronic payment system that provides an electronic payment service. The electronic payment service is realized primarily by a payment server 100. The electronic payment system that provides the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, the payment server 100, a card store terminal device 200, an acquirer server 300, and a card server 400. These devices communicate with each other via a network NW. The network NW includes, for example, the Internet, a local area network (LAN), a wireless base station, a provider device, and a payment system network such as a credit card. Some or all of the functional components included in the electronic payment system may be distributed across multiple devices in any form, or may be integrated into any device. The acquirer server 300 may be omitted.

[0011] The electronic payment system or payment server 100 is an example of an "information processing device." A portion of the functional configuration of payment server 100 may be included in card server 400. In this case, the combined functional configuration of payment server 100 and card server 400 is an example of an "information processing device." The entire functional configuration of payment server 100 may be included in card server 400. In this case, card server 400 is an example of an "information processing device."

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0013] [First store terminal device] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0014] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0015] [Store terminal for card use] The store terminal 200 is a terminal used at credit card member stores. The store terminal 200 acquires information about the credit card presented by the user and transmits the acquired information and its own information to the acquirer server 300.

[0016] [Acquirer Server] The acquirer server 300 is, for example, a server device managed by an affiliated store contracting company. The acquirer server 300 provides the information provided by the card store terminal device 200 to the card server 400.

[0017] [Card Server] Card server 400 is, for example, a server device of a credit card issuing company (issuer). The credit card issuing company may be a company related to an electronic payment service. Card server 400 performs predetermined processing on information acquired from acquirer server 300 and transmits the information acquired from acquirer server 300 to payment server 100.

[0018] The card server 400 acquires authorization information regarding approval of a transaction using a credit card, which is sent when a user uses a credit card at a credit card affiliated store. The card server 400 acquires sales information indicating that sales for the use of the credit card have been confirmed. The card server 400 provides this information or information obtained by processing this information to the payment server 100.

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

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

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

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

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

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

[0025] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, content information 174, affiliated store / shop information 176, credit card payment information 178, and support information 180. Some of this information may be stored in the storage unit of the user terminal device 10. Details of each piece of information will be described later. The combined functional configuration of the content providing unit 120 and the information processing unit 150, or the information processing unit 150, is an example of a "processing unit."

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

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

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

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

[0030] The charge balance is information indicating the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfer from an ATM (Automatic Teller Machine) of a designated service provider (bank) or transfer from a registered bank account. The credit payment setting is information indicating whether settings have been completed to enable electronic payments by credit payment (credit payment using code information) using the payment app 20, and is set to either "completed" or "not completed." The credit payment limit is the monthly credit payment limit, the credit payment usage amount is the amount of credit payment already used in the current month, and the available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment usage amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details of credit payment will be described later. The payment method setting is setting information indicating whether the user will make electronic payments using the charge balance or by credit payment at that time. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

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

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

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

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

[0035] The information processing unit 150 performs various information processing. For example, the information processing unit 150 identifies the user and store involved in the payment based on information included in information (authorization information, sales information) acquired from the card server 400. Details of the processing by the information processing unit 150 will be described later. The authorization information and sales information are examples of "credit card payment information."

[0036] [overview] When a user makes a payment using a credit card at a store, the payment server 100 acquires credit card payment information related to the payment that is sent in response to the user's use of the credit card at the credit card member store. The payment server 100 converts the member store identification information for identifying the member store included in the credit card payment information into store information for an electronic payment service different from the credit card (store information such as the store name and store icon), and displays the converted store information on the display unit of the user terminal device 10 that corresponds to the user identification information for identifying the user included in the credit card payment information. For example, the payment server 100 works in conjunction with the payment app 20 installed on the user terminal device 10 to display the store information on the display unit.

[0037] The payment server 100 converts the affiliated store identification information into store information by referring to correspondence information 180 (described later) in which the affiliated store identification information and store information are associated with each other. The information held by the payment server 100 and the details of this process will be described below.

[0038] [Credit card payment information] FIG. 7 is a diagram showing an example of credit card payment information 178. Credit card payment information 178 may be information corresponding to authorization information transmitted when a credit card is used, or may be sales information that confirms payment of the authorization information. Alternatively, it may be information different from these. In this embodiment, as an example, credit card payment information 178 will be described as information obtained from authorization information.

[0039] The credit card payment information 178 includes, for example, the terminal identification information of the card store terminal device 200 of the store that acquired the credit card information, the affiliated store name, the store identification information, the affiliated store code, the business code, and the credit card number (or information for identifying the user or the credit card number). The payment server 100 can identify the user of the electronic payment service from the credit card number by referring to the user information 172. The credit card payment information 178 only needs to include information for identifying the store where the credit card was used (affiliated store identification information) and information for identifying the user who used the credit card (user information). The terminal identification information, the affiliated store name, the store identification information, or the affiliated store code are examples of "affiliated store identification information." The credit card number is an example of "user identification information."

[0040] [Support information] FIG. 8 is a diagram showing an example of correspondence information 180. Correspondence information 180 is information in which authorization information, sales information, the name of the affiliated store of the electronic payment service, and the set name are associated with one another. The authorization information in correspondence information 180 includes, for example, terminal identification information, the affiliated store name, store identification information, and the affiliated store code. The sales information is the store name (kanji or kana). In addition to the above, the sales information includes information for identifying the affiliated store, such as terminal identification information and the affiliated store contract number. Some of this information may be omitted. The name of the affiliated store of the electronic payment service is an example of "store information." The set name is another example of "store information."

[0041] The name of the affiliated store of the payment service is, when an electronic payment is made for an electronic payment service, the name of the affiliated store of the electronic payment service where the electronic payment is made, which payment application 10 displays on the display unit of user terminal device 10. For example, when an electronic payment for an electronic payment service is made, payment application 20 displays on the display unit the name of the affiliated store of the electronic payment service where the electronic payment is made, together with information indicating that the electronic payment has been completed.

[0042] The set name is a name decided by the administrator. This name is set by the administrator of the electronic payment service based on, for example, credit card sales information (by referring to the sales information). The set name is an example of "store information set based on store information included in the sales information provided in response to the confirmation of the credit card payment."

[0043] The name of the affiliated store of the payment service or the set name is an example of "store information to be displayed on the display unit of the user's terminal device when making a payment using the electronic payment service." In addition to the above, other "store information" such as an icon of the affiliated store of the electronic payment service may be associated with the correspondence information 180, and this store information may be provided to the user.

[0044] In the correspondence information 180, the affiliated store identification information may be associated with either the name of the affiliated store of the electronic payment service (store information displayed on the display unit of the user terminal device 10 when making a payment using the electronic payment service) or the set name (set store information), or both.

[0045] When the payment server 100 acquires authorization information, it refers to the correspondence information 180 and determines the store information to be displayed on the display unit of the user terminal device 10 of the user who used the credit card. The display priority is, in descending order, the name of the affiliated store of the payment service (priority 1), the set name (priority 2), and the affiliated store name included in the authorization information (priority).

[0046] The payment server 100 gives priority to displaying on the display unit the name of the affiliated store of the electronic payment service (store information displayed on the display unit of the user terminal device 10 when making a payment using the electronic payment service). If the correspondence information 180 is not associated with the store information displayed on the display unit of the user terminal device 10 when making a payment using the electronic payment service, the payment server 100 displays on the display unit the name of the set affiliated store.

[0047] For example, if the name of a payment service member store is associated, the name of the payment service member store is displayed. If the name of a payment service member store is not associated but a set member store name is associated, the set member store name is displayed. If these are not associated, the member store name included in the authorization information (the name used for credit card services) is displayed. If the authorization information does not include a member store name, or if the member store cannot be identified from the authorization information, a default display (for example, a domestic member store) is displayed. Domestic member store is information that indicates that the credit card is a domestic member store.

[0048] The store name in the sales information may be set as priority 2 or 3. The store name in the sales information may be the same as or different from the set affiliated store name and the name of the affiliated store of the payment service. For example, the name of the affiliated store of the payment service may be a name that describes the store name in more detail than other names.

[0049] [Sequence diagram] 9 is a sequence diagram showing an example of the flow of processing executed by the electronic payment system. First, the overall flow will be explained, and then the details of each process will be described later. In the sequence diagram, acquirer server 300 may be omitted.

[0050] First, when a user presents (or inserts) a credit card to the card store terminal device 200, the card store terminal device 200 acquires information about the credit card and sends the acquired information together with a request for approval (authorization) to the acquirer server 300 (S100). Upon acquiring the information sent in S100, the acquirer server 300 determines whether the credit card in question is a usable credit card based on the acquired information, and if it determines that the credit card is usable, it sends approval information indicating approval to the card store terminal device 200 (S102), and further sends authorization information to the card server 400 (S104).

[0051] Next, the card server 400 acquires authorization information (S106). Next, the card server 400 transmits the authorization information identified in S106 to the payment server 100 (S108). Next, the payment server 100 acquires the authorization information (S110). Next, the payment server 100 executes payment based on the authorization information and further generates content (S112). Next, the payment server 100 provides the generated content to the payment application 20 (S114). Next, the payment application 20 displays the provided content on the display unit (S116). This content includes store information obtained from the support information 180.

[0052] The content is provided in real time and includes authorization information, store information (e.g., the name and icon of the affiliated store of the electronic payment service) identified based on the correspondence information 180, and the amount used. The name and icon of the affiliated store are information managed or used by the electronic payment service. The payment server 100 refers to the correspondence information 180 to identify the name of the store where the credit card was used (the name of the affiliated store used by the electronic payment service) from the authorization information, and includes the identified name in the content. The name of the affiliated store of the electronic payment service managed or used by the electronic payment service is more detailed information than, for example, the name in the authorization information.

[0053] After the above process is performed, the acquirer server 300 acquires sales information sent from a predetermined terminal device (e.g., a server of an affiliated store) (S200) and sends the sales information to the card server 400 (S202). Next, the card server 400 compares the sales information with the authorization information (S204) to determine whether they match, and sends information according to the result of the determination to the payment server 100 (S206).

[0054] The payment server 100 generates content according to the result of the determination (S208) and provides the generated content to the payment application 20 (S210). Next, the payment application 20 displays the provided content on the display unit (S212). The content includes information indicating that the sales have been finalized, the amount of the sales, and information about the target store. At this time, the payment server 100 converts the store name in the sales information into store information according to the priority of the correspondence information 180, as in the process described above, and provides content including the converted store information. For details, see "Sales Information" below.

[0055] This allows the user to easily recognize information regarding credit card usage, improving user convenience.

[0056] [Interface screen (1) when electronic payment is made using a credit card] FIG. 10 is a diagram showing an example of interface screen IM1 displayed on the display unit of user terminal device 10. Interface screen IM1 includes, for example, information IF1 to IF3. Information IF1 is the name of the store where the electronic payment was made by credit card and information indicating that payment to that store has been accepted. Information IF2 is the date and time when the electronic payment was made. Information IF3 is the amount of the electronic payment.

[0057] The above store name is not, for example, the name included in the authorization information, but rather the name of the store or affiliated store managed by the electronic payment service identified from the authorization information by referring to correspondence information 180 (the affiliated store name or store name registered in correspondence information 180).

[0058] As described above, when an electronic payment is made using a credit card, if the payment server 100 can identify the name of the affiliated store of the electronic payment service from the authorization information and correspondence information 180, it works in cooperation with the payment application 20 to display the name of the affiliated store of the electronic payment service on the display unit of the user terminal device 10.

[0059] [Interface screen (2) when electronic payment is made using a credit card] Figure 11 is a diagram showing an example of an interface screen IM2 displayed on the display unit of the user terminal device 10. The following mainly explains the differences from Figure 10. In interface screen IM2, for example, since the name of the affiliated store of the electronic payment service is not associated in the correspondence information 180, the upper IF1 is the name of the set affiliated store.

[0060] As described above, when an electronic payment is made using a credit card, if the payment server 100 cannot identify the name of the affiliated store of the electronic payment service from the authorization information and correspondence information 180 but can identify the name of the set affiliated store, the payment server 100 cooperates with the payment app 20 to display the name of the set affiliated store on the display unit of the user terminal device 10. For example, there are cases where the name of a store cannot be uniquely determined from the authorization information. For example, there are cases where the terminal identification information for A Co., Ltd.'s XX service and the terminal identification information for A Co., Ltd.'s △△ service are the same. In such cases, a set name that is suitable for the user (e.g., A Co., Ltd.) is presented to the user.

[0061] [Interface screen (3) when electronic payment is made using a credit card] Figure 12 is a diagram showing an example of an interface screen IM3 displayed on the display unit of the user terminal device 10. The following mainly describes the differences from Figures 10 and 11. In interface screen IM3, for example, since the name of the merchant of the electronic payment service and the name of the set merchant are not associated in the correspondence information 180, information IF1 is the name of the merchant in the authorization information or the default name.

[0062] As described above, when an electronic payment is made using a credit card, if the payment server 100 cannot identify the name of the affiliated store of the electronic payment service or the name of the set affiliated store identification from the authorization information and correspondence information 180, it works in cooperation with the payment app 20 to display the name of the affiliated store in the authorization information or the name of the default set affiliated store on the display unit of the user terminal device 10.

[0063] [Interface screen (4) when electronic payment is made using a credit card] Figure 13 is a diagram showing an example of interface screen IM3# displayed on the display unit of user terminal device 10. The following mainly describes the differences from Figure 12. On interface screen IM3#, for example, if the name of the member store of the electronic payment service is not associated with the name of the set member store in correspondence information 180, or if the name of the member store set as default is displayed, the user may enter the store name, etc.

[0064] For example, when a user operates a predetermined area (information IF1 or its vicinity) on interface screen IM3#, payment server 100 works in conjunction with payment application 20 to display an on-screen keyboard (not shown). The user can use the on-screen keyboard to input memo information. For example, the user can input the name of the store where the credit card was used. For example, memo information can be input below the display (predetermined display) for payment to domestic affiliated stores. In this way, memo information can be input with the predetermined display displayed. This makes it possible to distinguish the memo information from the default display even after the memo information has been input.

[0065] When the user inputs and registers memo information as described above, the payment server 100 manages the registered information. For example, the payment server 100 generates user association information 182 that associates the terminal identification information (or the identification information of another affiliated store) of the authorization information, the memo information, and the user identification information. That is, when memo information related to payment is input, the payment server 100 stores the user identification information, affiliated store identification information, and the memo information in association with each other.

[0066] FIG. 14 is a diagram showing an example of the contents of the user association information 182. In the example of FIG. 14, memo information for a certain user is associated with information for identifying a store, such as terminal identification information. When a user uses a credit card at a merchant affiliated with the credit card for which the memo information has been registered, the payment server 100, upon acquiring authorization information, references the user association information 182 in which the user's memo information and terminal identification information are associated, and displays the memo information on the display unit. That is, when new credit card payment information is acquired after saving, the payment server 100 references the saved information, converts the merchant identification information included in the credit card payment information into memo information, and displays the converted memo information on the display unit of the user's terminal device 10 corresponding to the user identification information for identifying the user included in the credit card payment information. In this case, the payment server 100 displays the memo information (for example, the memo information below the predetermined display) together with a payment display (a predetermined display) at the domestic merchant. This allows the user to recognize that the memo information is being displayed.

[0067] As described above, the payment server 100 can display the memo information registered by the user on the display unit when the credit card is used at the same affiliated store. This allows the user to check the name of the store that suits them.

[0068] In cases where the merchant identification information included in the credit card payment information cannot be converted into store information used in an electronic payment service other than a credit card, or where the merchant identification information is not included in the credit card payment information and conversion to store information is not possible, the payment server 100 may display an interface screen on the display unit of the user terminal device 10 corresponding to the user identification information included in the credit card payment information, allowing the user to enter memo information related to the payment. Furthermore, in cases where the merchant identification information cannot be converted into the name of the merchant of the electronic payment service, or where the credit card payment information is not included in the merchant identification information and conversion to store information is not possible, as described above, the payment server 100 may generate and utilize user association information 182. For example, when newly acquired credit card payment information is acquired, the payment server 100 may convert the merchant identification information included in the credit card payment information into memo information by referring to the generated user information 172 (stored information), and display the converted memo information on the display unit of the user terminal device 10 corresponding to the user identification information for identifying the user included in the credit card payment information.

[0069] [Flowchart (1)] 15 is a flowchart showing an example of the flow of processing executed by the payment server 100. This flowchart focuses on processing related to display of store information when authorization information is acquired.

[0070] First, the payment server 100 determines whether authorization information has been acquired (S300). If authorization information has been acquired, the payment server 100 determines whether the affiliated store can be identified from the authorization information (S302). If the affiliated store cannot be identified, the payment server 100 accepts memo information and displays the accepted memo information on the display unit of the user terminal device 10 (S304). An example of a case in which the affiliated store cannot be identified is when the authorization information does not include information for identifying the affiliated store (some or all of the terminal identification information, affiliated store name, store identification information, affiliated store code, etc.).

[0071] If the affiliated store can be identified (for example, if the authorization information includes terminal identification information, the name of the affiliated store, store identification information, the affiliated store code, etc.), the payment server 100 refers to the correspondence information 180 to determine whether the name of the affiliated store of the electronic payment service can be identified (S306). If the name of the affiliated store of the electronic payment service can be identified, the payment server 100 displays the name of the affiliated store of the electronic payment service on the display unit (S308).

[0072] If the name of the affiliated store of the electronic payment service cannot be identified (for example, if the name of the affiliated store of the electronic payment service is not associated in the correspondence information 182), the payment server 100 refers to the correspondence information 180 and determines whether the set name can be identified (S310). If the set name can be identified, the payment server 100 displays the set name on the display unit (S312).

[0073] If the set name cannot be identified (for example, if the set name is not associated in the association information 182), the payment server 100 refers to the user association information 182 and determines whether or not memo information is registered for the affiliated store identification information (S314). If memo information is registered, the payment server 100 displays the memo information on the display unit (S316).

[0074] If no memo information is registered, the payment server 100 displays the name of the authorization information or the default name on the display unit (S318). Next, if the payment server 100 receives memo information, it displays the memo information on the display unit (S320). Next, the payment server 100 generates user associated information 182 using the received memo information (S322). This completes the processing of one routine of this flowchart.

[0075] As described above, the payment server 100 can improve user convenience by converting the affiliated store identification information included in the credit card payment information into store information for an electronic payment service other than a credit card or the name of the set store, and displaying the converted store identification information on the display unit of the user terminal device 10. Furthermore, the user can input memo information, further improving user convenience.

[0076] [Flowchart (2)] The payment server 100 refers to the user correspondence information 182 (multiple stored pieces of information) to extract memo information that has common affiliated store identification information, and displays a list of the extracted memo information or statistically processed information of the memo information on the display unit of the administrator's terminal device, or identifies store information from the extracted memo information.

[0077] 16 is a flowchart showing another example of the flow of processing executed by the payment server 100. This processing is processing for generating the name of the affiliated store of the electronic payment service of the correspondence information 182 or the set name by using the user correspondence information 182.

[0078] First, the payment server 100 acquires the user associated information 182 (S400). Next, the payment server 100 extracts memo information of the common terminal identification information (member store identification information) from the user associated information 182 (S402). Next, the payment server 100 determines whether the number of memo information of the extracted common terminal identification information is equal to or greater than a threshold (S404). If the number of memo information of the extracted common terminal identification information is not equal to or greater than the threshold, the processing of one routine of this flowchart ends.

[0079] If the number of memo information items corresponding to the extracted common terminal identification information is equal to or greater than a threshold value, the payment server 100 generates a name corresponding to the terminal identification information from the memo information, which will be used as the name of the affiliated store of the electronic payment service in the correspondence information 182 or a set name (S406). For example, the same or similar names among the memo information items associated with the same terminal identification information are grouped, and the name of the most numerous memo information among these is determined as the name of the correspondence information 180. The name to be associated with the correspondence information 180 is, for example, a name determined based on predetermined language processing or rules from among the names included in the group. The payment server 100 may also cause the administrator to display the results of statistical processing of the memo information on a display unit. For example, the payment server 100 may perform statistical processing on the memo information items of the same content and the number of such items, and display the results on a display unit.

[0080] As described above, the payment server 100 can identify the appropriate store name from the memo information.

[0081] [Sales information] In the above example, the processing when authorization information is acquired has been described. However, in addition to (or instead of) this, similar processing may also be performed when sales information (including terminal identification information and the name of the affiliated store) is acquired. For example, when sales information is acquired, the payment server 100 may refer to the correspondence information 182, identify the name of the affiliated store of the electronic payment service or the name of the set affiliated store from the affiliated store identification information, and display the identified name on the display unit. In the case of sales information, the display priority of the name of the affiliated store of the electronic payment service may be the highest, followed by the store name of the sales information, or the store name of the sales information may be the highest.

[0082] For example, in the processing of sales information, the payment server 100 may not execute the processing of accepting input of memo information, or may accept input of memo information from the user. When not accepting memo information, the payment server 100 can display the store name of the sales information on the display unit.

[0083] For example, when processing sales information, if memo information is associated in user correspondence information 182, the payment server 100 may display the memo information first, or may display the store name of the sales information together with the memo information, or may display the store name of the sales information without displaying the memo information.

[0084] As described above, even when the payment server 100 acquires sales information, it can provide the user with information about stores that are suitable for the user.

[0085] [Authorization and sales information interface screen] FIG. 17 is a diagram showing interface screens that the payment server 100 displays on the display unit of the user terminal device 10. Interface screen IM4 is information displayed according to authorization information, and interface screen IM5 is information displayed according to sales information. Interface screen IM4 includes information IF4 and information IF5 indicating that payment has been accepted. The information indicating that payment has been accepted indicates that authorization information has been processed. Interface screen IM5 includes information IF4# and information IF5# indicating that payment has been completed. The information indicating that payment has been completed indicates that sales information has been processed.

[0086] The payment server 100 may also display the name of the store identified from the correspondence information 182 on the screen of the past transaction history as described above.

[0087] As described above, the payment server 100 provides the user with an interface screen according to the authorization information or sales information, allowing the user to easily recognize the status of credit card usage.

[0088] [Use of sales information when obtaining authorization information] When the payment server 100 cannot identify the store information of the first member store identification information from the authorization information by referring to the correspondence information 180, it may cause the display unit to display the name of the store in previously acquired credit card payment information (e.g., sales information) including the first member store identification information and the store name. For example, when the payment server 100 acquires authorization information that does not satisfy the conditions, it may identify the store name by referring to past sales information stored in the storage unit 170. The referenced information may be information indicating a combination of the member store identification information obtained by processing the past sales information and the store name, instead of the past sales information.

[0089] Authorization information that does not satisfy the conditions is authorization information in which the name of the affiliated store of the electronic payment service, the set name, and the store name in the sales information are not associated in the correspondence information 182. For example, at a predetermined timing, using sales information or the like, the name of the affiliated store of the electronic payment service, the set name, and the store name in the sales information are associated in the correspondence information 180, and the correspondence information 180 is updated. Depending on the timing, even if the store name in the sales information is stored, the correspondence information 182 may not be updated.

[0090] 18, when the payment server 100 acquires authorization information that does not satisfy the conditions (authorization information in which the name of the affiliated store of the electronic payment service, the set name, and the store name of the sales information cannot be identified from the correspondence information 182), the payment server 100 may identify the identification information of the affiliated store of the past sales information that matches the identification information of the affiliated store of the authorization information (terminal identification information, affiliated store name, store identification information, affiliated store code, etc.), and extract the identified store name of the sales information. The payment server 100 may display the extracted store name as the store name on the interface screen in response to the acquisition of the authorization information, or may display it as a candidate and confirm the display when the user performs a confirmation operation.

[0091] As described above, the payment server 100 can provide the user with an appropriate store name by using past sales information.

[0092] The above-described processing is not limited to a credit card, and may be performed with a virtual credit card. The processing in this embodiment may be performed when a credit card is used for online shopping.

[0093] The credit card in this embodiment may be a credit card different from the credit card used for credit payment using code settlement.

[0094] In this embodiment, an example has been described in which an electronic payment service displays the name of an appropriate store when a credit card is used, but instead of (or in addition to) this, a service other than the electronic payment service may perform the process of displaying the name of an appropriate store when a credit card of this embodiment is used. For example, a server device of a service that does not provide an electronic payment service but that provides credit card-related services or benefits may perform the process of this embodiment.

[0095] Furthermore, the processing of this embodiment may also be applied to the use of a debit card instead of a credit card.

[0096] According to the embodiment described above, the payment server 100 converts the merchant identification information included in the credit payment information into store information for an electronic payment service other than a credit card, and displays the converted store information on the display unit of the user terminal device 10 corresponding to the user identification information included in the credit payment information, thereby improving user convenience.

[0097] 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]

[0098] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Information Processing Department 400 Card Server

Claims

1. an acquisition unit that acquires credit card payment information relating to payment transmitted in response to a user's use of a credit card at a credit card affiliated store; converting the member store identification information for identifying the member store included in the credit card payment information into store information for an electronic payment service other than the credit card; a processing unit that displays the converted store information on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit card payment information; An information processing device comprising:

2. The processing unit converting the member store identification information into the store information by referring to correspondence information in which the member store identification information and the store information are associated with each other; The information processing device according to claim 1 .

3. The store information is store information displayed on a display unit of the user's terminal device during payment of the electronic payment service. The information processing device according to claim 1 .

4. the store information is set based on store information included in sales information provided in response to the credit card payment being confirmed; The information processing device according to claim 1 .

5. The correspondence information associates the affiliated store identification information with one or both of store information displayed on the display unit of the user's terminal device during payment using the electronic payment service and set store information, the processing unit causes the display unit to display, on a priority basis, store information to be displayed on the display unit of the terminal device of the user during payment of the electronic payment service; The information processing device according to claim 2 .

6. When the correspondence information is not associated with store information to be displayed on a display unit of the terminal device of the user in payment of the electronic payment service, the processing unit displays the set store information on the display unit. The information processing device according to claim 5 .

7. The processing unit displaying an interface screen on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit card payment information, which allows the user to input memo information regarding the payment; The information processing device according to claim 1 .

8. The processing unit When the memo information regarding the payment is input, the user identification information, the affiliated store identification information, and the memo information are stored in association with each other; After the credit card payment information is saved, if the credit card payment information is newly acquired, the saved information is referenced and the affiliated store identification information included in the credit card payment information is converted into the memo information. displaying the converted memo information on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit card payment information; The information processing device according to claim 7 .

9. The processing unit If the merchant identification information for identifying the merchant included in the credit card payment information cannot be converted into store information used for an electronic payment service other than the credit card, or if the merchant identification information for identifying the merchant is not included in the credit card payment information and cannot be converted into store information, displaying an interface screen on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit card payment information, which allows the user to input memo information regarding the payment; The information processing device according to claim 1 .

10. The processing unit (1) In the case where the merchant identification information for identifying the merchant included in the credit card payment information cannot be converted into store information used in an electronic payment service other than the credit card, when memo information regarding the payment is input, the user identification information, the merchant identification information, and the memo information are stored in association with each other; After the storage, if the credit card payment information is newly acquired and the above (1) occurs, the memo information is displayed on the display unit by referring to the stored information. The information processing device according to claim 9 .

11. The processing unit refers to the plurality of pieces of stored information and extracts the memo information having the same member store identification information; Displaying a list of the extracted memo information or statistically processed information of the memo information on a display unit of the manager's terminal device, or identifying store information from the extracted memo information.

11. The information processing device according to claim 8 or 10.

12. The processing unit When the store information of the first member store identification information cannot be identified by referring to the correspondence information, the display unit displays the first member store identification information and the store name of the credit card payment information including the store name that was previously acquired. The information processing device according to claim 2 .

13. The computer Acquire credit card payment information regarding payment transmitted in response to a user's use of a credit card at a credit card affiliated store, converting the member store identification information for identifying the member store included in the credit card payment information into store information for an electronic payment service other than the credit card; displaying the converted store information on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit card payment information; Information processing methods.

14. On the computer, A process of acquiring credit card payment information relating to payment transmitted in response to a user's use of a credit card at a credit card affiliated store; A process of converting merchant identification information for identifying the merchant included in the credit card payment information into store information for an electronic payment service other than the credit card; a process of displaying the converted store information on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit card payment information; A program that executes the following.

Images