Information processing device, information processing method, and program

Abstract

To improve convenience for users. [Solution] An information processing device comprising: an acquisition unit that acquires credit payment information regarding a payment that is sent in response to a user using a credit card at a credit card affiliated store; and a processing unit that converts affiliated store identification information for identifying the affiliated store included in the credit payment information into store information for an electronic payment service other than 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 for identifying the user included in the credit payment information.

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 regarding 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] 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 has as its object 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 that the user used on a 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 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 for identifying the affiliated store included in the credit payment information into store information for an electronic payment service other than 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 for identifying the user included in the credit payment information. Effect 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 description of the drawings]

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

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

[0010] [Electronic payment service] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system that realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, the payment server 100, a card store terminal device 200, an acquirer server 300, and a card server 400. These devices communicate with each other via a network NW, for example. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, a network of a payment system such as a credit card, and the like. A part or all of the functional configuration included in the electronic payment system may be distributed to 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 part 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 a 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 reception 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 application 20, thereby operating to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in 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, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by 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 a 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 device 200 is a terminal device used at credit card member stores. The store terminal device 200 acquires information on a credit card presented by a user, and transmits the acquired information and information on its own device 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] The 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 electronic payment services. The card server 400 performs a predetermined process on the information acquired from the acquirer server 300, and transmits the information acquired from the acquirer server 300 to the payment server 100.

[0018] The card server 400 acquires authorization information regarding approval of a transaction using a credit card, which is sent in response to a user's use of the 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 settlement 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 the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the 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 of 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 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which information capable of identifying a store is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 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 not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0022] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a 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 store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits 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, issuance of a one-time code may be omitted in the store scan, 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 a SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient 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, a flash memory, a RAM (Random Access Memory), or the like. 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 correspondence 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 functional configuration combining 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. The communication unit 110 is, for example, a network interface card.

[0027] The content providing unit 120 has, for example, a function of a web server, 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 by the user while the 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 required 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 the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a credit payment setting, a credit payment limit, a credit payment amount used, a credit payment available amount, a payment method setting, a bank account, a credit card number, charge history information, and payment history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does 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 a user by transferring money to an account in advance. Means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The credit payment setting is information indicating whether or not the setting for enabling electronic payment by credit payment using the payment application 20 (credit payment using code information) has been completed, and is set to either "completed" or "not completed". The credit payment limit is the credit payment limit that can be used each month, the credit payment usage amount is the amount of credit payment already used in the current month, and the credit payment available amount is the amount of credit payment that can be used in the current month, which is calculated by subtracting the credit payment usage amount from the credit payment limit. Although only one credit payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the credit payment limit. Further details of the credit payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or credit payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details 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 name and sales amount (described above) are associated with an affiliated store ID, 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 location of the store, 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, and deletes 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 as, for example, credit card payment information 178.

[0033] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user 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. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales 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 payment for users whose "setting information" is set to "credit payment (credit payment using code information)" as follows. Credit 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, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the credit payment limit. In order to receive the credit payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used in the credit payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the credit payment amount and subtracting the same amount from the available credit payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available credit payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0035] The information processing unit 150 executes various information processing. For example, the information processing unit 150 identifies the user and the store related to the payment based on information included in the information (authorization information, sales information) acquired from the card server 400. The details of the processing of 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 uses a credit card to make a payment 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 (store information such as the store name and store icon) for an electronic payment service different from the credit card, 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 cooperates with the payment application 20 installed in 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] 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 by using a credit card, or may be sales information that confirms the 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 a set name are associated with one another. Authorization information in correspondence information 180 includes, for example, terminal identification information, affiliated store name, store identification information, and affiliated store code. Sales information is the store name (kanji or kana). In addition to the above, sales information includes information for identifying the affiliated store, such as terminal identification information and 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 electronic payment of the electronic payment service is made, the name of the affiliated store of the electronic payment service where the electronic payment is made which the payment application 10 causes to be displayed on the display unit of the user terminal device 10. For example, when electronic payment of the electronic payment service is made, the payment application 20 causes the name of the affiliated store of the electronic payment service where the electronic payment is made to be displayed on the display unit together with information indicating that the electronic payment has been completed.

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

[0043] The name of the affiliated store of the payment service or the set name is an example of "store information displayed on the display unit of the terminal device of the user when making a payment through 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 through 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 the name of the affiliated store of the electronic payment service (store information displayed on the display unit of the user terminal device 10 for payment of the electronic payment service) on the display unit. If the store information displayed on the display unit of the user terminal device 10 for payment of the electronic payment service is not associated with the correspondence information 180, the payment server 100 displays the name of the set affiliated store on the display unit.

[0047] For example, if the name of a member store of the payment service is associated, the name of the member store of the payment service is displayed. If the name of a member store of the payment service is not associated and 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. A domestic member store is information that indicates that the member store is a domestic credit card member store.

[0048] The store name in the sales information may be set as priority 2 or priority 3. The store name in the sales information may be the same as or different from the set affiliated store name and the affiliated store name of the payment service. The name of the affiliated store of the payment service may be, for example, 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 described, and then each step will be described in detail later. In the sequence diagram, the 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 transmits a request for approval (authorization) together with the acquired information to the acquirer server 300 (S100). Upon acquiring the information transmitted in S100, the acquirer server 300 determines whether the credit card is a credit card that can be used based on the acquired information, and if it is determined that the credit card can be used, transmits approval information indicating approval to the card store terminal device 200 (S102), and further transmits 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 the 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 correspondence information 180.

[0052] The content is provided in real time, and includes store information (e.g., the name and icon of the affiliated store of the electronic payment service) and the amount used that are identified based on the authorization information and the correspondence information 180. 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, identifies 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 that is 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, when the acquirer server 300 acquires sales information sent from a predetermined terminal device (e.g., a server of an affiliated store) (S200), it 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 settlement 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 is information indicating that the sales have been finalized, the amount of the sales, and information on 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 above-mentioned process, and provides the 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] 10 is a diagram showing an example of an interface screen IM1 provided on the display unit of the user terminal device 10. The interface screen IM1 includes, for example, information IF1 to information IF3. Information IF1 is the name of the store where the electronic payment was made by credit card and information indicating that payment to the store was accepted. Information IF2 is the date and time when the electronic payment was made. Information IF3 is the amount related to 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 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] Fig. 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 describes the differences from Fig. 10. For example, in the interface screen IM2, 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 affiliated store that has been set.

[0060] As described above, when electronic payment is made using a credit card, if the name of the affiliated store of the electronic payment service cannot be identified from the authorization information and correspondence information 180, but the set name of the affiliated store can be identified, the payment server 100 cooperates with the payment application 20 to display the set name of the 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 of the XX service of A Co., Ltd. and the terminal identification information of the △△ service of A Co., Ltd. are the same. In such cases, a set name that is suitable for the user (for example, A Co., Ltd.) is presented to the user.

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

[0062] As described above, when 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 and the name of the set affiliated store identification from the authorization information and corresponding information 180, it works in cooperation with the payment application 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 of the user terminal device 10.

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

[0064] For example, when a user operates a specified area (information IF1 or its vicinity) of interface screen IM3#, payment server 100 cooperates with payment application 20 to display an on-screen keyboard (not shown). The user can input memo information using the on-screen keyboard. 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) of payment to domestic affiliated stores. In this manner, memo information can be input with the prescribed display. This makes it possible to distinguish between the default display and the memo information even after the memo information has been input.

[0065] When the user performs the operation of inputting and registering 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 a payment is input, the payment server 100 stores the user identification information, the 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 correspondence information 182. In the example of FIG. 14, memo information of a certain user is associated with information for identifying a store, such as terminal identification information. When the user uses a credit card at a credit card affiliated store for which memo information has been registered, the payment server 100, upon acquiring authorization information, refers to the user correspondence information 182 in which the memo information of the user and the terminal identification information are associated, and displays the memo information on the display unit. That is, when credit payment information is newly acquired after saving, the payment server 100 refers to the saved information, converts the affiliated store identification information included in the credit payment information into memo information, and displays the converted memo information on the display unit of the terminal device 10 of the user corresponding to the user identification information for identifying the user included in the credit payment information. In this case, the payment server 100 displays memo information (for example, memo information below the predetermined display) together with a display (predetermined display) of payment at the domestic affiliated store. 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 user uses the credit card at the same affiliated store. This allows the user to check the name of the store that suits the user.

[0068] Not only when the affiliated store identification information included in the credit payment information cannot be converted into store information used in an electronic payment service other than a credit card, or when the affiliated store identification information is not included in the credit payment information and the information cannot be converted into store information, 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 payment information, which allows the user to input memo information regarding the payment. Also, not only when the affiliated store identification information cannot be converted into the name of the affiliated store of the electronic payment service as described above, or when the affiliated store identification information is not included in the credit card payment information and the information cannot be converted into store information, the user correspondence information 182 may be generated and utilized. For example, when the credit payment information is newly acquired, the payment server 100 may refer to the generated user information 172 (stored information) to convert the affiliated store identification information included in the credit payment information into memo 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 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 shop 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, the affiliated store name, the store identification information, the 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 and determines whether the name of the affiliated store of the electronic payment service can be specified (S306). If the name of the affiliated store of the electronic payment service can be specified, 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 with 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 ends 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 payment information into store information of an electronic payment service other than a credit card or the set store name, and displaying the converted store identification information on the display unit of the user terminal device 10. Furthermore, the user can input memo information, which further improves 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 having common affiliated store identification information, and displays a list of the extracted memo information or information obtained by statistically processing 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 the process executed by the payment server 100. This process is a process 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 judges 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] When the number of memo information of 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 is to be used as the name of the affiliated store of the electronic payment service of the correspondence information 182 or the set name (S406). For example, the same or similar names among the memo information associated with the same terminal identification information are grouped, and the name of the memo information having the largest number among them is determined as the name of the above-mentioned correspondence information 180. The name to be associated with the correspondence information 180 is, for example, a name determined based on a predetermined language processing or rule among the names included in the group. In addition, the payment server 100 may display the result of statistical processing of the memo information on the display unit of the administrator. For example, the memo information of the same content and the number thereof may be statistically processed, and the result may be displayed on the 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, but in addition to (or instead of) this, similar processing may be performed when sales information (including terminal identification information and affiliated store name) is acquired. For example, when the payment server 100 acquires sales information, it 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 affiliated store name 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 process for sales information, the payment server 100 may not execute the process for accepting input of memo information, or may accept input of memo information from the user. When the payment server 100 does not accept memo information, it 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 response information 182, the payment server 100 may display the memo information as a priority, 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 is possible to provide the user with information on a store that is suitable for the user.

[0085] [Interface screen for authorization and sales information] FIG. 17 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. 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, so that the user can 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 affiliated store identification information from the authorization information by referring to the correspondence information 180, the payment server 100 may display the store name of the credit payment information (e.g., sales information) including the first affiliated store identification information and the store name acquired in the past, which is included in the credit payment information, on the display unit. For example, when the payment server 100 acquires authorization information that does not satisfy a condition, the payment server 100 may identify the store name by referring to the past sales information stored in the storage unit 170. The information to be referred to may be information indicating a combination of the affiliated store identification information obtained by processing the past sales information, instead of the past sales information, and the store name.

[0089] The 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 of the sales information are not associated in the correspondence information 182. For example, at a predetermined timing, the name of the affiliated store of the electronic payment service, the set name, and the store name of the sales information are associated in the correspondence information 180 using sales information, etc., and the correspondence information 180 is updated. Depending on the timing, even if the store name of the sales information is stored, it may not be updated to the correspondence information 182.

[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), it 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 store name of the identified 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 have the user confirm the display by performing a confirming operation.

[0091] As described above, the payment server 100 can provide the user with an appropriate store name by utilizing 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 for use of a credit card, but instead of (in addition to) this, a service other than the electronic payment service may perform the process of displaying the name of an appropriate store for use of the credit card of this embodiment. For example, a server device of a service that provides credit card-related services or benefits without providing an electronic payment service may execute the process of this embodiment.

[0095] Moreover, 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 affiliated store 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 Section 400 Card Server

Claims

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

2. The processing unit includes: 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. An acquisition unit that acquires credit card payment information regarding a payment transmitted in response to a user's use of a credit card at a credit card affiliated store; converting affiliated store identification information for identifying the affiliated store included in the credit card payment information into store information managed by an electronic payment service different from that of the credit card; a processing unit that displays store information managed by the electronic payment service on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit payment information; The store information managed by the electronic payment service is store information displayed on a display unit of the user's terminal device during payment by the electronic payment service. Information processing device.

4. An acquisition unit that acquires credit card payment information regarding a payment transmitted in response to a user's use of a credit card at a credit card affiliated store; converting affiliated store identification information for identifying the affiliated store included in the credit card payment information into store information managed by an electronic payment service different from that of the credit card; a processing unit that displays store information managed by the electronic payment service on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit payment information; the store information managed by the electronic payment service is set based on store information included in sales information provided in response to the credit card payment being finalized; Information processing device.

5. The correspondence information corresponds to the affiliated store identification information one or both of store information displayed on a display unit of the terminal device of the user in a payment using the electronic payment service and store information set by an administrator of the electronic payment service, 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 the display unit of the terminal device of the user in the payment of the electronic payment service, the processing unit causes store information set by an administrator of the electronic payment service to be displayed on the display unit. The information processing device according to claim 5 .

7. The processing unit includes: 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, whereby the user can input memo information regarding the payment; The information processing device according to claim 1 .

8. The processing unit includes: 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 stored, when the credit card payment information is newly acquired, the stored information is referred to 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 includes: If 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, or if the merchant identification information for identifying the merchant is not included in the credit card payment information and cannot be converted into the 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, whereby the user can input memo information regarding the payment; The information processing device according to claim 1 .

10. The processing unit includes: (1) In the case where the merchant identification information for identifying the merchant included in the credit 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, when the credit card transaction information is newly acquired and the above-mentioned (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 to extract the memo information having the same member store identification information; displaying a list of the extracted memo information or information obtained by statistically processing 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 includes: when the store information of the first member store identification information cannot be identified by referring to the correspondence information, displaying on the display unit the first member store identification information and the store name of the credit card payment information including the store name previously acquired. The information processing device according to claim 2 .

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

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

15. The computer Acquire credit card payment information regarding a payment that is transmitted in response to a user's use of a credit card at a credit card affiliated store; converting affiliated store identification information for identifying the affiliated store included in the credit card payment information into store information managed by an electronic payment service different from that of the credit card; displaying store information managed by the electronic payment service on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit payment information; The store information managed by the electronic payment service is store information displayed on a display unit of the user's terminal device during payment using the electronic payment service, or store information set based on store information included in sales information provided upon confirmation of the credit card payment. Information processing methods.

16. On the computer, A process of acquiring credit card payment information relating to a payment transmitted in response to a user's use of a credit card at a credit card affiliated store; A process of converting affiliated store identification information for identifying the affiliated store included in the credit card payment information into store information managed by an electronic payment service different from that of the credit card; and executing a process of displaying store information managed by the electronic payment service on a display unit of a terminal device of a user corresponding to user identification information for identifying the user included in the credit payment information; The store information managed by the electronic payment service is store information displayed on a display unit of the user's terminal device during payment using the electronic payment service, or store information set based on store information included in sales information provided upon confirmation of the credit card payment. program.

Images