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

Abstract

Provide (or be prepared to provide) clear notification to users when their credit card is used. [Solution] A dictionary creation method comprising the steps of: acquiring a group of authorization message information sent and received over a credit card network; and extracting a set of information from the two acquired groups of information that correspond to the same payment. Based on the extracted set of information, creating a dictionary that outputs the name of the affiliated store to which the store where the payment was made belongs, which may include kanji, using at least part of the information contained in the authorization message as a search key.

Description

[Technical field]

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

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

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

[0004] When a credit card is used, information (hereinafter referred to as messages) transmitted over a network includes a message to confirm the authority of the credit card (hereinafter referred to as an authorization message) and a message to inform the payment amount (sales message). The authorization message is transmitted and received at the time of use, while the sales message is transmitted and received later (for example, several days later). Therefore, when the above notification is to be given to the user in near real time, the notification is created based on the authorization message, but the store name included in the authorization message may or may not exist, and even if it does exist, it is written in alphabetic characters (English or Roman letters), so that if the store name is notified to the user as it is, it is difficult to tell at a glance which store was used. For this reason, with conventional technology, it was sometimes impossible to give the user a clear notification when a credit card was used.

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

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

[0007] According to one aspect of the present invention, it is possible to assist in providing (or preparing to provide) an easy-to-understand notification to a user when a credit card is used. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 illustrates an example of a system for providing credit card services. [Diagram 2] FIG. 1 is a diagram showing an example of a general flow of credit card payment processing. [Diagram 3] FIG. 13 is a diagram showing an example of the contents of a dictionary 174. [Figure 4] 10 is a diagram showing an example of a screen on which payment notification information is displayed on the terminal device 10. FIG. [Diagram 5] FIG. 2 illustrates an example of the configuration of a dictionary creation device 200. [Figure 6]FIG. 4 is a diagram showing an example of the flow of processing executed in the dictionary creation device 200. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

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

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

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

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

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

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

[0016] The credit card server 100 includes, for example, a payment processor 110, a search unit 120, a notification unit 130, and a storage unit 170. The components other than 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 a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be realized by a combination of software and hardware. The program may be stored in a storage device (storage device having a non-transient storage medium) such as a hard disk drive (HDD) or a flash memory in advance, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or a CD-ROM, and installed in the storage device by mounting the storage medium in a drive device. The combination of the search unit 120 and the notification unit 130 in the credit card server 100 is an example of an "information providing device."

[0017] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the credit card server 100 can access via a network. Information such as user information 172 and a dictionary 174 is stored in the storage unit 170. The user information 172 is, for example, information in which a credit card number is associated with a user's name, address, telephone number, email address, communication identification information of the terminal device 10, identification information of the credit card application 20, etc.

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

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

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

[0021] Here, when the processing of the authorization message ((2) to (3) in the figure) is completed and the product or service is provided to the user, the payment information is notified to the terminal device 10 as a payment flash report. As described above, the store name included in the authorization message may or may not exist, and even if it exists, it is written in alphabet (English or Roman characters). For this reason, unless the dictionary 174 is searched, it is not possible to convey an easy-to-understand affiliated store name as a flash report to the user after the credit card is used. Therefore, when the search unit 120 acquires the information of the authorization message of (2), it searches the dictionary 174 using at least a part of the acquired information of the authorization message. In the dictionary 174, the affiliated store name, which may include kanji, is associated with at least a part of the information of the authorization message (for example, the terminal identification number, the store name, and the store ID). FIG. 3 is a diagram showing an example of the contents of the dictionary 174. One or both of the store name and store ID may be blank, but if both are blank, for example, the search key Terminal Identification Number + (blank) + (blank) will return a hit. Specifically, if a field is blank, the search key is created by replacing the symbol or description indicating that it is blank with the blank portion, and then a search is performed. This makes it easier to identify which portions are blank.

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

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

[0024] FIG. 5 is a diagram showing an example of the configuration of the dictionary creation device 200. The dictionary creation device 200 includes, for example, an acquisition unit 210, an extraction unit 220, a creation unit 230, and a storage unit 270. The components other than the storage unit 270 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware such as an LSI, an ASIC, an FPGA, or a GPU, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD or a flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or a CD-ROM (a non-transient storage medium), and may be installed in the storage device by mounting the storage medium in a drive device.

[0025] The storage unit 270 is a HDD, a flash memory, a RAM, etc. The storage unit 270 may be a NAS device that can be accessed by the dictionary creation device 200 via a network. The storage unit 270 stores information such as dictionary creation source information 272.

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

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

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

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

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

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

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

[0033] FIG. 6 is a diagram showing an example of the flow of processing executed in the dictionary creation device 200. First, authorization message information for a certain month and sales message information for the same month are prepared as dictionary creation source information 272, and the authorization message information is narrowed down to those in the form of a usage report (payment notification information). Note that the provision of usage reports is limited to payments in which the payment amount per transaction is equal to or greater than a predetermined amount. In some cases, authorization message information is sent for amounts less than a predetermined amount to check whether the card is valid. This is to exclude authorization message information in such cases.

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

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

[0036] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

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

Claims

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

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

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

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

4. The dictionary creating method according to claim 3.

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

4. The dictionary creating method according to claim 3.

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

4. The dictionary creating method according to claim 3.

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

8. A processor of the dictionary creation device A process of acquiring a group of authorization message information transmitted and received over a credit card network and a group of sales message information over the credit card network; A process of extracting a set of information corresponding to the same payment from the two groups of acquired information; A process of creating a dictionary that outputs the name of the affiliated store to which the store where the payment is made belongs, the name of the affiliated store including a case where the name includes kanji characters, using at least a part of the information included in the authorization message as a search key based on the extracted set of information; A program for executing the above.

9. An acquisition unit that acquires a group of authorization message information transmitted and received over a credit card network and a group of sales message information over the credit card network; an extraction unit that extracts a set of information corresponding to the same payment from the two acquired groups of information; a creation unit that creates a dictionary based on the extracted set of information, using at least a portion of the information included in the authorization message as a search key, and outputs the member store name of the member store to which the store where the payment is made belongs, the member store name including kanji characters; a search unit that, when acquiring information on an authorization message when a user uses a credit card, searches the created dictionary using at least a part of the acquired information on the authorization message; a notification unit that notifies a terminal device used by the credit card user of payment notification information including the member store name obtained by the search; An information providing device comprising:

10. A processor of an information processing device, A process of acquiring a group of authorization message information transmitted and received over a credit card network and a group of sales message information over the credit card network; A process of extracting a set of information corresponding to the same payment from the two groups of acquired information; A process of creating a dictionary that outputs the name of the affiliated store to which the store where the payment is made belongs, the name of the affiliated store including a case where the name includes kanji characters, using at least a part of the information included in the authorization message as a search key based on the extracted set of information; When the user acquires information on an authorization message when using a credit card, the user searches the created dictionary using at least a part of the information on the authorization message acquired; a process of notifying a terminal device used by the credit card user of payment notification information obtained by the search, the payment notification information including the member store name; A program for executing the above.

Images