Information Processing Apparatus, Information Processing Method, and Information Processing Program

Abstract

To improve user convenience.SOLUTION: An information processing device disclosed herein comprises an acquisition unit configured to acquire payment histories of multiple balances available to a user using a terminal device when payment is made using the terminal device, a selection unit configured to select a balance to be settled from among the multiple balances according to the payment histories, and a payment processing unit configured to perform payment processing using the selected balance to be settled.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to an information processing apparatus, an information processing method, and an information processing program.

Background Art

[0002] Conventionally, technologies related to digital prepaid cards (hereinafter referred to as "electronic prepaid cards" or simply "prepaid cards" as appropriate) have been disclosed.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Patent Document 2

Patent Document 3

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, the above conventional technology is merely a mechanism for performing reception processing including payment settlement at a car wash by outputting a QR code (registered trademark) or the like in which not only payment settings but also car wash settings are coded together to a user's application. In order to realize a prepaid card that can be used for payment (electronic payment) using a terminal device, a mechanism for handling the balance dedicated to the prepaid card is required.

[0005] The present application has been made in view of the above, and an object thereof is to improve the convenience for users.

Means for Solving the Problems

[0006] When a settlement is made using a terminal device, the information processing apparatus according to the present application includes an acquisition unit that acquires a settlement history of a plurality of balances available to a user who uses the terminal device, a selection unit that selects a balance to be settled from the plurality of balances based on the settlement history, and a settlement processing unit that performs a settlement process using the selected balance to be settled.

Effect of the Invention

[0007] According to one aspect of the embodiment, the convenience of the user can be improved.

Brief Description of the Drawings

[0008]

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Embodiments for Carrying Out the Invention

[0009] Hereinafter, embodiments for carrying out the information processing apparatus, information processing method, and information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited by these embodiments. Also, in the following embodiments, the same parts are denoted by the same reference numerals, and redundant descriptions are omitted.

[0010] 〔1. Outline of Information Processing Method〕 First, with reference to FIG. 1, an outline of the information processing method performed by the information processing apparatus according to the embodiment will be described. FIG. 1 is an explanatory diagram showing an outline of the information processing method according to the embodiment. Note that in FIG. 1, the case of managing a balance with usage restrictions as a balance that can be used for electronic payment will be described as an example.

[0011] As shown in FIG. 1, the information processing system 1 includes a terminal device 10 and a payment server 100. The terminal device 10 and the payment server 100 are connected to each other so as to be able to communicate with each other, either wired or wirelessly, via a network N (see FIG. 6). In the present embodiment, the terminal device 10 cooperates with the payment server 100. In the following description, an example in which the terminal device 10 is used by a user U is shown. Also, in the following description, the terminal device 10 may be regarded as the same as the user U. That is, hereinafter, the user U can also be read as the terminal device 10.

[0012] The terminal device 10 is a smart device such as a smartphone or a tablet used by the user U, and is a portable terminal device that can communicate with any server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). Further, the terminal device 10 has a screen such as a liquid crystal display and has a screen having a touch panel function, and receives various operations on display data such as content, such as tap operations, slide operations, and scroll operations, from the user using a finger or a stylus. Note that, among the operations on the screen, an operation performed on the area where the content is displayed may be regarded as an operation on the content. Also, the terminal device 10 may be not only a smart device but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC.

[0013] The settlement server 100 is an information processing device that manages restricted-use balances as balances available for electronic payments, and is realized by a server device, a cloud system, or the like. For example, the settlement server 100 provides an electronic payment service related to payments (electronic payments) using the terminal device 10. In addition, the settlement server 100 manages the accounts of merchants who provide trading targets such as goods and services, and the accounts of users to whom the trading targets are provided, and realizes various settlements by performing the transfer of electronic money between accounts according to the settlement requests from users. Note that the electronic money may be, for example, points or currencies independently used by various companies, or may be electronic money that enables transactions of currencies provided by countries such as the Japanese yen and the US dollar. In the present embodiment, the settlement server 100 separately manages the balance for normal electronic payments and the balance for payment using individual prepaid cards in the user's account. That is, the settlement server 100 manages the balance separately for each prepaid card. In practice, the account for each prepaid card may be managed as a purpose-specific account associated with the user's account.

[0014] In the present embodiment, the settlement server 100 provides a service for issuing, managing, and operating prepaid cards. For example, when the user U purchases a prepaid card available at a franchise store at the prepaid card sales corner in an application for payments (electronic payments) using the terminal device 10 of the user U (hereinafter sometimes simply referred to as the "settlement application"), the settlement server 100 provides a prepaid card available within the settlement application. For example, the settlement server 100 provides a prepaid card application as an application (mini-application) launched within the settlement application.

[0015] Then, when the user U purchases and uses a desired transaction target (goods, services) at a franchise store where the prepaid card can be used, the user U makes a payment (electronic payment) using the terminal device 10 through the payment application. When making an electronic payment, the payment server 100 automatically applies the remaining recharge amount of the prepaid card to pay for the settlement amount of the target goods and services. That is, the remaining recharge amount of the prepaid card is deducted by the amount of the settlement amount of the target goods and services. If the remaining recharge amount of the prepaid card is insufficient, all of the remaining recharge amount of the prepaid card is used, and the amount of the remaining recharge amount is deducted from the settlement amount of the target goods and services.

[0016] This prepaid card is a prepaid card that can be used at franchise stores for electronic payment services. In this embodiment, prepaid cards are issued for each franchise store. For example, prepaid cards are issued for each brand of the franchise store (corporate brand, product brand, etc.). If a franchise store has multiple brands (for example, a main brand and a sub-brand), prepaid cards may be issued for each individual brand, or a common prepaid card may be issued among the brands of the same franchise store. The prepaid card can be designed independently by each franchise store. The terminal device 10 of the user U displays the UI (User Interface) of the prepaid card according to the design for each franchise store. In addition, a premium (bonus amount) can be added to the prepaid card with the franchise store's capital. For example, the user U can purchase a prepaid card with a recharge amount of 5,500 yen by paying 5,000 yen.

[0017] In addition, on the screen where the user U displays the list of prepaid cards held by the user U, the user U can recharge the prepaid card by pressing (tapping, clicking, etc.) the "Recharge" button displayed for each prepaid card.

[0018] In addition, this prepaid card can be presented as a gift for person-to-person money transfer. That is, the user U can use the terminal device 10 to give the prepaid card as a gift to others. For example, when the user U operates the terminal device 10 and presses the "Gift" button displayed for each prepaid card on the screen that displays the list of prepaid cards the user U owns, the user can use the person-to-person money transfer function of the payment application to present the prepaid card as a gift to other users. When a prepaid card is presented, if the user already holds the prepaid card, the amount of the charge for the presented prepaid card is charged to the prepaid card that the user already holds. At this time, the terminal device 10 of the recipient of the prepaid card displays a message indicating that the prepaid card has been presented and information about the giver. For example, the terminal device 10 of the recipient displays a message such as "Mr. XX has presented a prepaid card worth XX yen."

[0019] In addition, when the user U holds a prepaid card that can be used at the target franchise store, the user can use it in conjunction with the settlement when making a payment at that franchise store. When the settlement amount exceeds the remaining charge amount, the settlement server 100 prompts the user to select whether to recharge again.

[0020] The settlement server 100 may obtain various information about the user U. For example, the settlement server 100 obtains information about the attributes of the user U, such as the gender, age, and residential area of the user U. Then, the settlement server 100 stores and manages the information about the attributes of the user U together with the identification information (such as the user ID) indicating the user U.

[0021] In addition, the payment server 100 may obtain various types of history information (log data) indicating the actions of the user U from the terminal device 10 of the user U or from various servers or the like based on the user ID or the like. For example, the payment server 100 obtains a location history, which is a history of the location and time of the user U, from the terminal device 10. Also, the payment server 100 obtains a search history, which is a history of search queries input by the user U, from a search server (search engine). Further, the payment server 100 obtains a browsing history, which is a history of the content viewed by the user U, from a content server. Additionally, the payment server 100 obtains a purchase history, which is a history of the user U's product purchases, from an e-commerce server or a payment server. Moreover, the payment server 100 may obtain a listing history or a sales history, which is a history of the user U's listings on the marketplace, from an e-commerce server or a payment server. Also, the payment server 100 obtains a posting history, which is a history of the user U's posts, from a posting server or an SNS server that provides a word-of-mouth posting service.

[0022] Note that the payment server 100 may recommend the purchase of a prepaid card suitable for the user U based on the attribute information of the user U and the above various types of history information. For example, the payment server 100 analyzes the preferences and purchase tendencies of the user U from the above various types of history information, estimates a prepaid card suitable for the user U, and may push a link to the purchase screen of the prepaid card to the terminal device 10 of the user U. Also, the payment server 100 may, by collaborative filtering, obtain information regarding prepaid cards held by other users who are similar to the user U in terms of attribute information, history information, or preferences, and push a link to the purchase screen of the prepaid card to the terminal device 10 of the user U.

[0023] Alternatively, the payment server 100 may create a prepaid card estimation model (trained model) that outputs an estimated result of a prepaid card suitable for the user U when the attribute information of the user U is input by machine learning. That is, the payment server 100 generates an estimation model using the attribute information of the user U and the prepaid card used by the user U as correct data. Then, the payment server 100 may input the attribute information of the user U into the prepaid card estimation model and push-notify the user U's terminal device 10 with a link to the purchase screen of the prepaid card or the like based on the output estimated result of the prepaid card. In practice, the history information may be input together with the attribute information of the user U. That is, the payment server 100 may generate an estimation model using the attribute information and history information of the user U and the prepaid card used by the user U as correct data.

[0024] Regarding the creation of the trained model, for example, the payment server 100 creates a trained model that estimates a prepaid card suitable for the user U by machine learning using an RNN (Recurrent Neural Network), an LSTM (Long Short-Term Memory), or the like. Note that any type and any format of model can be adopted. For example, the payment server 100 may adopt an SVM (Support Vector Machine) or a DNN (Deep Neural Network) as the model. Here, the DNN may be a CNN (Convolutional Neural Network) or an RNN. Also, the model may be a model realized by combining a plurality of models, such as a model combining a CNN and an RNN. Note that the RNN and the LSTM may be neural networks based on the mechanism of attention. Also, the payment server 100 may use a similar natural language processing model. Also, data mining or other machine learning algorithms may be used. The payment server 100 can perform model learning by the various learning methods described above.

[0025] [Regarding payment using the terminal device 10] Prior to the information processing according to the embodiment, an example of payment (electronic payment) using the terminal device 10 will be described. In the following description, an example in which the user U makes a payment using the terminal device 10 with a two-dimensional code (QR code (registered trademark)) arranged in the store and showing store identification information for identifying the store will be described. However, the embodiment is not limited to this. An example of the payment described below is applicable even when an arbitrary user makes a payment at an arbitrary store using an arbitrary terminal device 10. Also, the store identification information may be not only a QR code (registered trademark), but also a barcode, a predetermined mark, a number, or the like.

[0026] For example, when the user U makes a payment associated with the use or purchase of payment targets (transaction targets) such as various goods and services at the store, the user U launches a payment application (payment app) installed in the terminal device 10. Then, the user U captures the store identification information installed in the store via the payment app. In such a case, the terminal device 10 displays a screen for inputting the price of the payment target and accepts the input of the payment amount from the user U or the store clerk. Then, the terminal device 10 transmits payment information indicating the user identification information for identifying the user U, the store identification information (or the information indicated by the store identification information, that is, the information indicating the store (for example, franchise store ID)), and the payment amount to the payment server 100.

[0027] In such a case, the payment server 100 transfers electronic money in the amount indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the store indicated by the store identification information. Then, the payment server 100 transmits a notification indicating that the payment has been completed to the terminal device 10. In such a case, the terminal device 10 notifies that the payment by electronic money has been made by outputting a screen or a predetermined sound indicating that the payment has been completed.

[0028] Note that the settlement using the terminal device 10 is not limited to the above-described processing. For example, the settlement using the terminal device 10 may be performed using a store terminal installed in the store. For example, the terminal device 10 displays user identification information for identifying the user U on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 10, and transmits settlement information indicating the user identification information (or information indicated by the user identification information, that is, information indicating the user U (for example, user ID)), the settlement amount, and information for identifying the store to the settlement server 100. In such a case, the settlement server 100 transfers the electronic money of the amount indicated by the settlement amount from the account of the user U indicated by the user identification information to the account of the store, and outputs a screen or a predetermined voice indicating that the settlement has been completed to the store terminal or the terminal device 10 of the store, thereby notifying that the settlement has been made.

[0029] In addition, the settlement using the terminal device 10 is not limited to the process of transferring electronic money from the account where the user U has pre-charged the electronic money to the account of the store. For example, it may be a settlement using a credit card pre-registered by the user U. In such a case, for example, the terminal device 10 may transfer the electronic money of the settlement amount to the account of the store and bill the operation company of the credit card of the user U for the settlement amount.

[0030] [1-2. Information Processing According to the Embodiment] As shown in FIG. 1, when the user U purchases a prepaid card available at a franchise store at the prepaid card sales corner in the settlement application for performing settlement (electronic settlement) using the terminal device 10 of the user U, the settlement server 100 issues a prepaid card available in the settlement application (step S1).

[0031] Subsequently, when user U wants to present a prepaid card to another user F, the user uses the terminal device 10 to provide the prepaid card as a gift through person-to-person money transfer (step S2). Conversely, user U can also receive a prepaid card as a gift from another user F through person-to-person money transfer. That is, the prepaid card can be presented as a gift between users. Also, after purchasing the prepaid card, user U can select the prepaid card held by himself / herself in the payment app and press the "Gift" button to provide the prepaid card as a gift to another user F. Additionally, when purchasing the prepaid card, user U may purchase it with another user F as the recipient of the prepaid card.

[0032] Subsequently, the terminal device 10 cooperates with the payment server 100 and notifies user U of information regarding the prepaid cards held by the user in order to prevent forgetting to use the prepaid cards (step S3). For example, based on the location information of user U, the terminal device 10 pushes or displays prepaid cards that can be used at stores in the vicinity of the location of user U or within the travel range of the user. At this time, when user U is within a predetermined range (e.g., within a radius of 500 m or less) from a store where the prepaid card can be used, the terminal device 10 may push or display the prepaid cards that can be used at that store. Also, when user U enters a store where the prepaid card can be used, the terminal device 10 pushes or displays the prepaid cards that can be used at that store. Further, when user U launches the payment app to perform payment (electronic payment) using the terminal device 10, the terminal device 10 may push or display the prepaid cards that can be used at that store. For example, when the payment app is launched within the store or when the "Pay" button in the payment app is pressed, the terminal device 10 may push or display the prepaid cards that can be used at that store.

[0033] Subsequently, the terminal device 10 notifies the settlement server 100 of information regarding the usage status of the prepaid card held by the user U (step S4). For example, when the terminal device 10 is used to purchase / use a desired transaction target (goods, services) at a franchise store where the prepaid card held by the user U can be used and perform a settlement (electronic settlement) using the settlement app, the settlement information is notified to the settlement server 100 via the network N (see FIG. 6) or the store terminal of the franchise store. Also, when the user U presents the prepaid card held by the user U as a gift to another user F, the terminal device 10 notifies the settlement server 100 that the prepaid card has been transferred from the user U to another user F.

[0034] Subsequently, the settlement server 100 manages the prepaid card information for each user (step S5). Specifically, the settlement server 100 manages the remaining balance of the prepaid card for each user. The management of the remaining balance of the prepaid card will be described in detail in the following [1-3. Management of the remaining balance of the prepaid card].

[0035] On the other hand, the settlement server 100 can manage the remaining balance not only of electronic prepaid cards but also of physical prepaid cards (appropriately, "physical prepaid cards"). Specifically, first, the user U reads card information such as a two-dimensional code printed on the physical prepaid card PC using the terminal device 10 (step S6). Next, the settlement server 100 receives the card information of the physical prepaid card PC (step S7) and transfers the remaining balance (value) of the physical prepaid card PC to an account or data area that manages the dedicated remaining balance of the prepaid card (step S8). The processing of the physical prepaid card PC will be described in detail in the following [1-5. Processing of the physical prepaid card].

[0036] Also, the payment server 100 selects a prepaid card to be used for payment from the payment history such as the payment information of the user U (step S9). Specifically, when there are a plurality of prepaid cards available for payment, the payment server 100 automatically selects a prepaid card to be used for payment based on the past payment times of the user U, the current balance, etc., and performs the payment using the selected prepaid card. The automatic selection of the prepaid card will be described in detail in the following [1-6. Automatic selection of prepaid card].

[0037] Also, the payment server 100 displays a selection screen for using up the balance of the prepaid card (step S10). Specifically, when the balance of the prepaid card used at the time of payment is insufficient, or when the balance of the prepaid card becomes less than or equal to a predetermined amount after the payment, the payment server 100 displays selection information such as the charge at the time of payment, the means of payment, the means for using up the balance, or whether to discard the prepaid card whose balance has been used up on the terminal device 10 of the user U. The display of the selection information regarding the prepaid card will be described in detail in the following [1-7. Display of selection information].

[0038] [1-3. Management of the balance of the prepaid card] Hereinafter, the management of the balance of the prepaid card will be described with reference to FIG. 2. FIG. 2 is an explanatory diagram showing an overview of the management of the balance of the prepaid card according to the embodiment.

[0039] As shown in FIG. 2, when the user U purchases a prepaid card created for each franchise store (or receives it as a gift from someone else), the terminal device 10 and the payment server 100 set an account or data area for managing a balance dedicated to the prepaid card (purpose-limited balance) separately from the balance for normal electronic payment. That is, the balance for normal electronic payment and the balance dedicated to the prepaid card are independent. It is possible to charge the balance dedicated to the prepaid card in the same way as the balance for normal electronic payment, and it is also possible to charge from the balance for normal electronic payment. Note that it is assumed that the balance for normal electronic payment cannot be charged from the balance dedicated to the prepaid card.

[0040] Also, the balance dedicated to the prepaid card is set for each prepaid card. That is, the balance dedicated to the prepaid card is independent for each prepaid card. It is assumed that the transfer or recharge of the balance between the prepaid cards held by the same user is not possible. That is, it is assumed that the balance cannot be lent between prepaid cards.

[0041] Also, the balance dedicated to the prepaid card can be transferred to other users through person-to-person transfer in the same way as the balance for ordinary electronic payment. For example, when the prepaid card A held by the user U is presented to another user F as a gift, it means that the entire balance dedicated to the prepaid card A of the user U is transferred to the other user F, and the entire amount is credited to the balance dedicated to the prepaid card A of the other user F. Also, when a predetermined amount is transferred from the balance dedicated to the prepaid card A of the user U, the predetermined amount is credited to the balance dedicated to the prepaid card A of the other user F.

[0042] Also, since the prepaid card is created for each affiliated store, the balance dedicated to the prepaid card can also be said to be the balance dedicated to the affiliated store that is the source of creation. When the prepaid card of the affiliated store is applied to the payment at the time of purchasing goods at the affiliated store that is the source of creation, the payment is made from the balance dedicated to the prepaid card. For example, when the prepaid card A of the affiliated store A is applied, the payment is made from the balance dedicated to the prepaid card A.

[0043] In addition, the prepaid card can be used not only for settlement at the business stores of franchisees (such as flagship stores, directly managed stores, tenant stores, etc.), but also for the products of franchisees sold at other retail stores (such as general merchandise stores). For example, in a certain retail store, when user U purchases products of franchisee A, products of franchisee B, and other products, and conducts settlement (electronic settlement) using the terminal device 10 of user U, if user U holds the prepaid card A of franchisee A, the payment for the products of franchisee A will be made from the balance of the prepaid card A. If user U holds the prepaid card B of franchisee B, the payment for the products of franchisee B will be made from the balance of the prepaid card B. For other products, the payment will be made from the balance for normal electronic settlement. That is, for the settlement of products of a specific brand, the payment is made from the balance of the prepaid card corresponding to that brand.

[0044] Note that the franchisees are not limited to brand stores such as apparel, shoes, cosmetics, and toys, but may also be retail stores, restaurants, etc. For example, the franchisees may be retail stores such as convenience stores, supermarkets, drugstores, discount stores, home centers, general merchandise stores, specialty stores, etc., or may be restaurants such as restaurants, fast food stores, coffee chain stores, cafes, izakayas, etc. The franchisees may also be bookstores, gas stations, etc.

[0045] In addition, the franchisees are not limited to stores that handle transaction targets where prepaid cards can be used, but may also be facilities where prepaid cards can be used. In fact, they may be large commercial facilities (department stores / shopping centers / outlet malls / underground malls), large leisure facilities (theme parks / amusement parks / playgrounds / zoos / aquariums / pools / bath facilities / parks / gardens / places of interest), cultural facilities (halls / theaters / cinemas / art museums / museums), sports facilities (sports fields (grounds) / baseball fields / tennis courts / gymnasiums / stadiums / indoor pools), accommodation facilities (hotels / inns), public transportation (railways / buses / taxis / ships / air routes), railway stations, airports, ports (boarding areas), parking lots, etc. They may also be educational institutions such as schools, and medical institutions such as hospitals.

[0046] In addition, the affiliated store may be a manufacturer (producer) that manufactures products. For example, when the purchased products of the user include products manufactured by the affiliated store, the prepaid card may be applied to the settlement of the products manufactured by the affiliated store by the settlement server 100. In addition, the affiliated store may be an operator that holds a specific product brand. For example, when the purchased products of the user include products of a specific product brand, the prepaid card may be applied to the settlement of the products of the said product brand by the settlement server 100.

[0047] That is, the business type of the affiliated store may be any business type that can use the prepaid card, covering a wide range.

[0048] [1-4. Regarding the Application of Prepaid Cards] Hereinafter, with reference to FIG. 3, the application process of the prepaid card executed by the settlement server 100 will be described. FIG. 3 is an explanatory diagram showing an overview of the application of the prepaid card according to the embodiment. However, this overview is merely an example.

[0049] First, in response to an operation from the user U, the terminal device 10 activates the settlement application pre-installed in the device itself and displays a screen for the user U to purchase a prepaid card in the electronic payment service (step S11). Subsequently, the terminal device 10 receives a purchase operation of the prepaid card from the user U (step S12). For example, the terminal device 10 receives a purchase operation of the prepaid card for the screen displayed in step S11 and transmits information indicating the purchased prepaid card to the settlement server 100.

[0050] In addition, when the user U receives a prepaid card as a gift from another user F, the terminal device 10 transmits information indicating the prepaid card received from the other user F to the settlement server 100.

[0051] Subsequently, the payment server 100 receives information (prepaid card ID) indicating the prepaid card for which the purchase operation has been performed (or the prepaid card received from another user) from the terminal device 10 (step S13). Subsequently, the payment server 100 associates and manages the user U with the prepaid card (step S14). For example, the payment server 100 associates and manages the user ID of the user U with the prepaid card ID received from the terminal device 10.

[0052] Here, in the example of FIG. 3, it is assumed that the user U wishes to perform the above-described payment, which is performed when the business operator terminal 200 reads the user identification information (user ID), for store A. In this case, the business operator terminal 200 reads the product ID of each product purchased by the user U and the user ID of the user U displayed on the terminal device 10 (step S15). For example, the business operator terminal 200 reads the barcode (product ID) attached to the product by a barcode reader or the like at the time of settlement and the user ID displayed on the terminal device 10.

[0053] Subsequently, the payment server 100 receives payment information regarding the payment of the user U to store A from the business operator terminal 200 (step S16). For example, the payment server 100 receives payment information including the store ID of store A, the product ID read by the business operator terminal 200 in step S15, the total amount of the prices of each product associated with the product ID (payment amount), and the user ID of the user U from the business operator terminal 200.

[0054] Subsequently, the payment server 100 identifies a prepaid card applicable to the user U based on the payment information (step S17). For example, the payment server 100 collates the prepaid card information corresponding to the prepaid card that the user U has obtained (purchased or received from others) with the payment information, and thereby identifies, among the prepaid cards that the user U has obtained, the prepaid card associated with the store ID indicated by the payment information.

[0055] Subsequently, the payment server 100 executes payment processing based on the payment information and makes a payment by applying the identified prepaid card (step S18). For example, the payment server 100 executes a process of transferring electronic money in the amount indicated by the payment amount from the account of the user U to the account of the store A. Then, the payment server 100 makes a payment by applying the identified prepaid card.

[0056] Subsequently, the payment server 100 notifies the user U that a prepaid card has been applied (step S19). For example, the payment server 100 causes the terminal device 10 to display a payment completion screen C1 indicating that the payment to the store A has been completed, and notifies information such as the information indicating the prepaid card applied in the payment completion screen C1, the amount used of the prepaid card (payment amount), and the remaining balance of the prepaid card.

[0057] As described above, the payment server 100 according to the embodiment identifies a prepaid card applicable to a franchise store and makes a payment by applying the identified prepaid card. Thereby, the payment server 100 according to the embodiment can automatically apply an applicable prepaid card without performing an operation of selecting a prepaid card used by the user. That is, the payment server 100 according to the embodiment can improve the convenience of the user in payment.

[0058] (Payment-linked prepaid card) At this time, in steps S17 and S18, the payment server 100 may acquire franchise store information together with the payment information and automatically apply a prepaid card that can be used for payment at the franchise store among the prepaid cards held by the user U. That is, the prepaid card is automatically applied in conjunction with the payment for each store (for each franchise store).

[0059] (Payment linkage by product) Also, in steps S17 and S18, the settlement server 100 may utilize product data in cooperation with the POS (Point of Sale system) of the affiliated store and automatically apply a prepaid card corresponding to the product data. In this case, in step S17, the settlement server 100 collates prepaid card information corresponding to the prepaid card that the user U has obtained (purchased or received from others) with the settlement information, and among the prepaid cards that the user U has obtained, identifies the prepaid card linked to the product ID indicated by the settlement information. In practice, the prepaid card linked to the store ID of the affiliated store that is the manufacturer (provider) of the product corresponding to the product ID indicated by the settlement information may be identified. Also, not limited to corporate brands such as product manufacturers, a prepaid card linked to a product brand may be identified. When the user U purchases a plurality of products, it is sufficient if at least one of the purchased products is a product targeted by the prepaid card. That is, the prepaid card is automatically applied in conjunction with the settlement for each product.

[0060] (Reading of the installed dedicated prepaid card code) Alternatively, in step S15, when the user U uses the terminal device 10 to read a two-dimensional code (prepaid card dedicated code) for prepaid card settlement installed in the store (such as at the cash register) separately from the two-dimensional code (QR code (registered trademark)) for normal electronic settlement by using the scan function attached to the prepaid card application, the prepaid card may be used.

[0061] (Presentation of the prepaid card dedicated code by the user) Also, in step S15, when the user U displays a prepaid card dedicated code such as a barcode or two-dimensional code for prepaid card settlement on the terminal device 10 and presents it to the store clerk, and the store clerk reads it with the store terminal, the prepaid card may be used.

[0062] That is, the prepaid card may be used only when the user U actively indicates an intention to use the prepaid card.

[0063] In addition, the automatic application of the prepaid card described above and the reading of the two-dimensional code (prepaid card dedicated code) for prepaid card settlement may be used in combination (compatible). For example, when the two-dimensional code for prepaid card settlement is not read, the prepaid card may be automatically applied in conjunction with the settlement (electronic settlement) using the terminal device 10.

[0064] (Recharge confirmation) In addition, when the settlement server 100 performs the settlement process for the goods purchased by the user U, if the balance of the prepaid card held by the user U is insufficient, the settlement server 100 may confirm whether to recharge the prepaid card. For example, the settlement server 100 inquires of the user U whether to recharge the prepaid card or pay by normal electronic settlement for the shortage of the balance of the prepaid card. In addition, the recharge of the prepaid card may be performed by settlement (electronic settlement) using the terminal device 10. Further, when the recharge is not performed when the balance of the prepaid card is insufficient, the settlement server 100 may pay the shortage of the balance of the prepaid card using the balance for normal electronic settlement.

[0065] In addition, the confirmation of the recharge of the prepaid card may be performed when entering the store. At this time, the terminal device 10 may cooperate with the settlement server 100 to identify the store based on the location information and identify the prepaid card available at the store. For example, when the user U enters a store where the prepaid card can be used, if the balance of the prepaid card available at the store is less than or equal to a predetermined amount, the terminal device 10 inquires whether to recharge. Alternatively, when the user U activates the settlement application to perform settlement (electronic settlement) using the terminal device 10, if the balance of the prepaid card available at the store is less than or equal to a predetermined amount, the terminal device 10 inquires whether to recharge.

[0066] According to this embodiment, since the balance of the prepaid card is managed individually for each card and is managed independently from the balance for normal electronic payment, it is possible to secure an electronic money balance limited for use in payment at a franchise corresponding to the prepaid card. In addition, since the prepaid card is managed within the payment application and is automatically applied when making a payment using the payment application at a franchise corresponding to the prepaid card, no operation for using the prepaid card is required, and there is no leakage in the use of the prepaid card, thus improving the convenience for the user.

[0067] [1-5. Processing of Physical Prepaid Card] Hereinafter, the processing of the physical prepaid card will be described in the order of card information reception processing and balance transfer processing.

[0068] (Card Information Reception Processing) First, the user U uses the camera function of the terminal device 10 to read the two-dimensional code (QR code (registered trademark)) printed on the physical prepaid card PC, thereby obtaining the card identification information (card ID) which is the identification information of the physical prepaid card PC. Note that the card information may be not only a QR code (registered trademark), but also a barcode, a predetermined mark, a number, etc. Further, the user U may read a QR code (registered trademark) or the like by using the scan function attached to the payment application and obtain the card identification information.

[0069] Subsequently, the payment server 100 receives the card identification information of the physical prepaid card PC from the terminal device 10. At this time, the payment server 100 receives the "user ID" which is the user identification information for identifying the user U from the terminal device 10. Then, the payment server 100 specifies the management device (management server) that manages the physical prepaid card PC from the card identification information, inquires the card information of the physical prepaid card PC to the specified management server, and obtains the card information. Here, the card information has items such as "franchise ID", "card ID", "balance", and "expiration date".

[0070] The "franchise store ID" indicates identification information for identifying franchise stores that can use the physical prepaid card PC. Note that the franchise store ID may be identification information for identifying a chain store. Also, the "card ID" indicates identification information (prepaid card ID) for identifying the physical prepaid card PC held by the user U. In this embodiment, the physical prepaid card PC is issued for each franchise store. Also, the "balance" indicates the balance of the account held by the management server linked to the physical prepaid card PC. This balance can be used only for purchasing goods (or using services) at franchise stores that can use the physical prepaid card PC. Also, the "expiration date" indicates the expiration date of the physical prepaid card PC held by the user U. For example, the expiration date is indicated in year, month, and day.

[0071] (Balance transfer process) Based on the user identification information received from the terminal device 10 and the card information obtained from the management server, the settlement server 100 performs a balance transfer process for the physical prepaid card PC. First, the settlement server 100 deposits the full amount of the "balance" included in the card information into the prepaid card dedicated account corresponding to the user ID of the user U.

[0072] At this time, if the prepaid card dedicated account corresponding to the user ID of the user U does not exist, the settlement server 100 newly creates an account and makes a deposit. Also, if the prepaid card dedicated account corresponding to the user ID of the user U exists, the settlement server 100 makes a deposit into that account. Also, if there is a prepaid card dedicated account that can be commonly used regardless of franchise stores or the like corresponding to the user ID of the user U, the settlement server 100 makes a deposit into that account. That is, the settlement server 100 may set a dedicated account for each card ID as the account of the physical prepaid card PC, or may set a dedicated account including an electronic prepaid card for each franchise store ID, or may set an account that can be commonly used for the physical prepaid card PC regardless of the franchise store ID.

[0073] Next, after the above-mentioned deposit, the settlement server 100 sends a deposit completion notice of the physical prepaid card PC corresponding to the card ID to the management server of the physical prepaid card PC. At this time, the settlement server 100 notifies the management server to set the balance of the physical prepaid card PC corresponding to the card ID to 0. In addition, after the above-mentioned deposit, the settlement server 100 sends a deposit completion notice of the physical prepaid card PC to the terminal device 10 of the user U.

[0074] (Others) When performing the above-mentioned balance transfer process, the settlement server 100 may accept the selection of the user U. For example, the settlement server 100 may perform a process of transferring not the full amount but the amount specified by the user U from the physical prepaid card PC. At this time, the settlement server 100 notifies the management server to deduct the transferred amount from the account held by the management server. In addition, the settlement server 100 may accept the designation of the user U, such as a dedicated account set for each card ID, a dedicated account set for each franchise store ID, or an account that can be commonly used for the physical prepaid card PC, as the account of the physical prepaid card PC. Furthermore, the settlement server 100 may accept the designation of the physical prepaid card PC or account to be used at the time of settlement from the user U, and perform the settlement using the physical prepaid card PC or account designated by the user U.

[0075] Furthermore, the settlement server 100 may set a dedicated account shared with the management server. That is, the settlement server 100 can set a dedicated account that can manage the balance of the physical prepaid card PC whether the user U uses the physical prepaid card PC for settlement or uses the terminal device 10 for settlement from the dedicated account with a part of the balance of the physical prepaid card PC transferred.

[0076] [1-6. Regarding the automatic selection of prepaid cards] Hereinafter, the automatic selection of prepaid cards will be described in the order of settlement history acquisition process and settlement target account selection process.

[0077] (Settlement History Acquisition Process) The settlement server 100 acquires settlement information indicating the settlement history of the user U from the settlement information database 124. Here, the settlement information is various information regarding settlements (electronic settlements) using the terminal device 10, and includes items such as the "user ID", "store ID", "transaction target ID", "unit price", "quantity", "card ID", "used amount", and "settlement amount" of the user U. Note that the settlement information will be described in detail in [4. Configuration Example of Information Processing Device] (Settlement Information Database 124).

[0078] Also, the settlement server 100 may acquire the user information of the user U, the history information of the user U, the card information of the prepaid card, etc. as information indicating the settlement history of the user U from various databases. For example, the settlement server 100 can acquire the "interests" of the user U as user information, the "location history" of the user U as history information, and the "expiration date" etc. as card information.

[0079] (Settlement Target Account Selection Process) The settlement server 100 selects a prepaid card to be the settlement target in the next settlement from the acquired settlement information. For example, when multiple electronic prepaid cards (including those transferred from the physical prepaid card PC) are available in a store, the settlement server 100 selects the prepaid card to be used for settlement without accepting the selection of the user U, and performs the settlement using the selected prepaid card. Hereinafter, an example where the electronic prepaid cards available for the settlement of the user U in the settlement at "Store A" are "Card A" and "Card B" will be described.

[0080] The settlement server 100 selects a card with a large number of settlement times as the prepaid card to be used for settlement. For example, in the settlement at "Store A", if the number of times "Card A" was used for settlement in the past year was "5 times" and the number of times "Card B" was used for settlement in the past year was "3 times", then "Card A" with a larger number of usage times is selected as the prepaid card to be used for the settlement at "Store A".

[0081] The settlement server 100 selects, as the prepaid card to be used for settlement, the card with the largest total settlement amount. For example, in the settlement at "Store A", if the total settlement amount using "Card A" in the past year was "5,000 yen" and the total settlement amount using "Card B" in the past year was "10,000 yen", then "Card B" with the largest total settlement amount is selected as the prepaid card to be used for the settlement at "Store A".

[0082] The settlement server 100 selects, as the prepaid card to be used for settlement, the card used for the most recent settlement. For example, in the settlement at "Store A", if the last date and time when "Card A" was used for settlement was "2021 / 8 / 20 10:00" and the last date and time when "Card B" was used for settlement was "2021 / 10 / 10 13:30", then "Card B" used most recently is selected as the prepaid card to be used for the settlement at "Store A".

[0083] The settlement server 100 selects, as the prepaid card to be used for settlement, the card with the largest remaining balance. For example, in the settlement at "Store A", if the remaining balance of "Card A" is "2,000 yen" and the remaining balance of "Card B" is "10,000 yen", then "Card B" with the largest remaining balance is selected as the prepaid card to be used for the settlement at "Store A".

[0084] The settlement server 100 selects, as the prepaid card to be used for settlement, the card with the earliest expiration date. For example, in the settlement at "Store A", if the expiration date of "Card A" is "2022 / 1 / 21" and the expiration date of "Card B" is "2022 / 1 / 30", then "Card A" with the earlier expiration date is selected as the prepaid card to be used for the settlement at "Store A".

[0085] (Others) When performing the above-mentioned settlement target account selection process, the settlement server 100 may accept the designation of the user U and perform settlement based on the said designation. For example, when the user U designates "Card A" which is preferentially used at "Store A", the settlement server 100 can accept this designation and perform settlement using "Card A" at "Store A" based on this designation. Also, when performing the above-mentioned settlement target account selection process, the settlement server 100 may accept information of affiliated stores etc. and perform settlement based on the said information. For example, when the settlement server 100 accepts information of "Store A" for which the use of "Card B" is subject to discount, the settlement server 100 can perform settlement using "Card B" at "Store A" based on this information.

[0086] [1-7. Regarding the display of selection information] Hereinafter, regarding the display of selection information for the user U, the settlement history acquisition process and the selection information display process will be described in this order.

[0087] (Settlement history acquisition process) The settlement server 100 acquires settlement information indicating the settlement history of the user U from the settlement information database 124. Here, the settlement information is various information regarding settlement (electronic settlement) using the terminal device 10, and has items such as the "user ID", "store ID", "transaction target ID", "unit price", "quantity", "card ID", "used amount", "settlement amount" of the user U. Note that the settlement information will be described in detail in [4. Configuration example of the information processing device] (settlement information database 124).

[0088] Also, as information indicating the settlement history of the user U, the settlement server 100 may acquire the user information of the user U, the history information of the user U, the card information of the prepaid card, etc. from various databases. For example, the settlement server 100 can acquire the "interests" of the user U as user information, the "location history" of the user U as history information, and the "expiration date" etc. as card information.

[0089] (Selection information display process) The settlement server 100 displays selection information (candidate information) presented to the user U for using up the prepaid card from the acquired settlement information. For example, when the balance of the prepaid card is insufficient for a settlement using the terminal device 10, or when the balance of the prepaid card after the settlement becomes equal to or less than a predetermined amount, the settlement server 100 displays, as candidate information selectable by the user U, charges at the time of settlement, settlement means, means for using up the balance, etc. on the terminal device 10 of the user U. Further, when the balance of the prepaid card becomes 0, that is, when the prepaid card is used up, the settlement server 100 displays candidate information on the terminal device 10 of the user U that enables selection of whether to discard the used-up prepaid card or not.

[0090] Here, with reference to FIGS. 4 to 5, the candidate information displayed by the settlement server 100 will be described. FIGS. 4 to 5 are diagrams showing an example of a display screen of the candidate information.

[0091] With reference to FIG. 4, the display screen when the balance of the prepaid card is insufficient for a settlement using the terminal device 10 will be described. As shown in FIG. 4(1), on the display screen of the terminal device 10 of the user U, "Settlement amount: 418 yen, Prepaid card balance: 300 yen" and "The balance of the prepaid card is insufficient. What would you like to do?" are displayed.

[0092] At this time, the settlement server 100 displays candidate information proposing a settlement process using the balance for settlement using the terminal device 10, that is, the balance for normal electronic settlement. In the example of FIG. 4(1), a selection button displaying "Settle the full amount with the balance for P payment" is presented. When the user U selects the above response, the settlement server 100 performs a settlement process using the balance for normal electronic settlement.

[0093] In addition, the payment server 100 displays candidate information for proposing a payment process in which the balance for payment using the terminal device 10, that is, the balance for normal electronic payment, is charged to the balance of the prepaid card. In the example of FIG. 4(1), a selection button displaying "Settle the shortage amount with the balance of P payment" is presented. When the user U selects the above response, the payment server 100 transfers the balance for normal electronic payment to the balance of the prepaid card and then performs a payment process using the terminal device 10.

[0094] In addition, when the total of the balance for normal electronic payment and the balance of the prepaid card is insufficient for the payment amount, the payment server 100 can also display candidate information for allowing the user to select which of the above balances to charge for the payment process. When the user U selects the above response, the payment server 100 charges the selected balance of the user U and then performs a payment process using the terminal device 10.

[0095] Furthermore, as shown in FIG. 4(1), the payment server 100 may present a selection button displaying "Charge the prepaid card" as candidate information when the user still wants to use the prepaid card even after it has been used up. When the user U selects the above response, the payment server 100 charges the balance of the prepaid card and then performs a payment process using the terminal device 10. Also, as shown in FIG. 4(1), the payment server 100 may present a selection button displaying "Cancel the payment" as candidate information when not performing a payment process. When the user U selects the above response, the payment server 100 does not perform a payment process using the terminal device 10.

[0096] On the other hand, as shown in FIG. 4(2), when the prepaid card has been used up, the payment server 100 displays "The balance of the prepaid card has become 0. Do you want to discard this prepaid card?" as candidate information and presents buttons for the user U to select "Yes" and "No". When the user U selects "Yes", the payment server 100 deletes the account of the prepaid card.

[0097] Using FIG. 5, the display screen when the remaining balance of the prepaid card after settlement using the terminal device 10 becomes equal to or less than a predetermined amount will be described. As shown in FIG. 5(1), on the display screen of the terminal device 10 of the user U, the settlement server 100 displays "Settlement amount: 418 yen, Remaining balance of prepaid card: 82 yen", "Settlement completed", and "The remaining balance of the prepaid card has decreased. What would you like to do?".

[0098] At this time, the settlement server 100 displays candidate information presented to the user U to use up the prepaid card. In the example of FIG. 5(1), the settlement server 100 presents a selection button displayed as "Use up the prepaid card". When the user U selects the above response, the settlement server 100 displays the display screen of FIG. 5(2) showing the corresponding measures to use up the prepaid card.

[0099] For example, the settlement server 100 displays candidate information for proposing to the user U the goods and services that can be purchased at the store. In the example of FIG. 5(2), the settlement server 100 presents a selection button displayed as "Search for things that can be bought at this store". When the user U selects the above response, the settlement server 100 displays a list of goods and services that can be purchased within "82 yen" at the store and performs the settlement process for the goods and services selected by the user U.

[0100] In addition, the settlement server 100 displays candidate information for proposing a settlement process in which the remaining balance of the prepaid card is charged to the remaining balance for normal electronic settlement. In the example of FIG. 5(2), the settlement server 100 presents a selection button displayed as "Transfer to P Wallet". When the user U selects the above response, the settlement server 100 transfers the remaining balance of the prepaid card to the remaining balance for normal electronic settlement and then performs the settlement process using the terminal device 10. Note that the settlement server 100 may perform control to enable charging to the remaining balance for normal electronic settlement without limiting the use only when the remaining balance of the prepaid card becomes equal to or less than a predetermined amount.

[0101] In addition, the payment server 100 displays candidate information for proposing a donation of the remaining balance of the prepaid card. In the example of Fig. 5(2), the payment server 100 presents a selection button displayed as "Donate". When the user U selects the above correspondence, the payment server 100 displays a list of donation destinations and makes a donation to the donation destination selected by the user U.

[0102] On the other hand, when the prepaid card is used up by the above correspondence, the payment server 100 displays candidate information for selecting the disposal of the prepaid card shown in Fig. 4(2). When the user U selects the disposal of the prepaid card, the payment server 100 deletes the account of the prepaid card.

[0103] Furthermore, as shown in Fig. 5(1), the payment server 100 may present a selection button displayed as "Recharge the prepaid card" as candidate information when the user wants to use the prepaid card further. When the user U selects the above correspondence, the payment server 100 recharges the remaining balance of the prepaid card. Also, as shown in Fig. 5(1), the payment server 100 may present a selection button displayed as "Do nothing for now" as candidate information when not taking measures to use up the prepaid card. When the user U selects the above correspondence, the payment server 100 ends the payment process without taking any measures.

[0104] [2. Configuration Example of Information Processing System] Next, with reference to Fig. 6, the configuration of the information processing system 1 including the payment server 100 according to the embodiment will be described. Fig. 6 is a diagram showing a configuration example of the information processing system 1 according to the embodiment. As shown in Fig. 6, the information processing system 1 according to the embodiment includes a terminal device 10 and a payment server 100. These various devices are communicably connected by wire or wirelessly via a network N. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

[0105] Also, the number of each device included in the information processing system 1 shown in FIG. 6 is not limited to what is illustrated. For example, in FIG. 6, only one terminal device 10 is shown for simplicity of illustration, but this is merely an example and not limiting, and there may be two or more.

[0106] The terminal device 10 is an information processing device used by the user U. For example, the terminal device 10 is a smart device such as a smartphone or a tablet terminal, a feature phone, a PC (Personal Computer), a PDA (Personal Digital Assistant), a game machine equipped with a communication function, a car navigation system, a wearable device (such as a smartwatch or a head-mounted display), a smart glass, etc.

[0107] Also, such a terminal device 10 can be connected to the network N via a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: the 5th generation mobile communication system), or short-range wireless communication such as Bluetooth (registered trademark) or wireless LAN (Local Area Network), and communicate with the payment server 100.

[0108] Also, the terminal device 10 may be a store terminal of a franchise store or a terminal device used by an employee (store clerk) of a franchise store. That is, the store terminal of a franchise store or the terminal device used by an employee of a franchise store may also be the same device as the above terminal device 10.

[0109] The payment server 100 is, for example, a PC, a server device, or a mainframe or a workstation, etc. Note that the payment server 100 may be realized by cloud computing.

[0110] 〔3. Configuration Example of Terminal Device〕 Next, the configuration of the terminal device 10 will be described with reference to FIG. 7. FIG. 7 is a diagram showing a configuration example of the terminal device 10. As shown in FIG. 7, the terminal device 10 includes a communication unit 11, a display unit 12, an input unit 13, a positioning unit 14, a sensor unit 20, a control unit 30 (controller), and a storage unit 40.

[0111] (Communication unit 11) The communication unit 11 is connected to the network N (see FIG. 6) by wire or wirelessly, and transmits and receives information to and from the settlement server 100 via the network N. For example, the communication unit 11 is realized by a NIC (Network Interface Card), an antenna, or the like.

[0112] (Display unit 12) The display unit 12 is a display device that displays various types of information such as position information. For example, the display unit 12 is a liquid crystal display (LCD) or an organic electro-luminescent display (Organic Electro-Luminescent Display). Further, the display unit 12 is a touch panel type display, but is not limited thereto.

[0113] (Input unit 13) The input unit 13 is an input device that receives various operations from the user U. Further, the input unit 13 has, for example, buttons for inputting characters, numbers, and the like. When the display unit 12 is a touch panel type display, a part of the display unit 12 functions as the input unit 13. Note that the input unit 13 may be a microphone or the like that receives voice input from the user U. The microphone may be wireless.

[0114] (Positioning unit 14) The positioning unit 14 receives signals (radio waves) transmitted from GPS (Global Positioning System) satellites, and based on the received signals, acquires position information (for example, latitude and longitude) indicating the current position of the terminal device 10, which is the device itself. That is, the positioning unit 14 measures the position of the terminal device 10. Note that GPS is merely an example of GNSS (Global Navigation Satellite System).

[0115] In addition to GPS, the positioning unit 14 can measure the position by various methods. For example, as auxiliary positioning means for position correction and the like, the positioning unit 14 may measure the position by using various communication functions of the terminal device 10 as follows.

[0116] (Wi-Fi positioning) For example, the positioning unit 14 measures the position of the terminal device 10 by using the Wi-Fi (registered trademark) communication function of the terminal device 10 or the communication networks provided by each communication company. Specifically, the positioning unit 14 performs Wi-Fi communication and measures the distance to nearby base stations or access points, thereby measuring the position of the terminal device 10.

[0117] (Beacon positioning) In addition, the positioning unit 14 may measure the position by using the Bluetooth (registered trademark) function of the terminal device 10. For example, the positioning unit 14 measures the position of the terminal device 10 by connecting to a beacon transmitter connected by the Bluetooth (registered trademark) function.

[0118] (Geomagnetic positioning) In addition, the positioning unit 14 measures the position of the terminal device 10 based on the geomagnetic pattern of a structure measured in advance and the geomagnetic sensor provided in the terminal device 10.

[0119] (RFID positioning) Further, for example, when the terminal device 10 has a function equivalent to that of an RFID (Radio Frequency Identification) tag used at a station ticket gate, a store, etc., or has a function of reading an RFID tag, the used position is recorded together with the information for which settlement, etc., has been performed by the terminal device 10. The positioning unit 14 may position the position of the terminal device 10 by acquiring such information. Further, the position may be positioned by an optical sensor, an infrared sensor, etc., provided in the terminal device 10.

[0120] The positioning unit 14 may position the position of the terminal device 10 using one or a combination of the above-described positioning means as necessary.

[0121] (Sensor unit 20) The sensor unit 20 includes various sensors mounted on or connected to the terminal device 10. Note that the connection may be a wired connection or a wireless connection. For example, the sensors may be detection devices other than the terminal device 10, such as wearable devices and wireless devices. In the example shown in FIG. 7, the sensor unit 20 includes an acceleration sensor 21, a gyro sensor 22, a pressure sensor 23, a temperature sensor 24, a sound sensor 25, a light sensor 26, a magnetic sensor 27, and an image sensor (camera) 28.

[0122] Note that the above-described sensors 21 to 28 are merely examples and are not limiting. That is, the sensor unit 20 may be configured to include some of the sensors 21 to 28, or may include other sensors such as a humidity sensor in addition to or instead of the sensors 21 to 28.

[0123] The acceleration sensor 21 is, for example, a three-axis acceleration sensor, and detects physical movements of the terminal device 10 such as the moving direction, speed, and acceleration of the terminal device 10. The gyro sensor 22 detects physical movements of the terminal device 10 such as the inclination in three-axis directions based on the angular velocity etc. of the terminal device 10. The pressure sensor 23 detects, for example, the atmospheric pressure around the terminal device 10.

[0124] Since the terminal device 10 is equipped with the above-described acceleration sensor 21, gyro sensor 22, barometric pressure sensor 23, etc., it is possible to measure the position of the terminal device 10 using technologies such as pedestrian dead reckoning (PDR) that utilize these sensors 21 to 23, etc. As a result, it becomes possible to obtain position information indoors, which is difficult to obtain with a positioning system such as GPS.

[0125] For example, with a pedometer that uses the acceleration sensor 21, it is possible to calculate the number of steps, walking speed, and distance walked. Also, by using the gyro sensor 22, it is possible to know the direction of travel, line of sight direction, and body inclination of the user U. Further, from the barometric pressure detected by the barometric pressure sensor 23, it is also possible to know the altitude and floor number where the terminal device 10 of the user U is located.

[0126] The temperature sensor 24 detects, for example, the temperature around the terminal device 10. The sound sensor 25 detects, for example, the sound around the terminal device 10. The light sensor 26 detects the illuminance around the terminal device 10. The magnetic sensor 27 detects, for example, the geomagnetism around the terminal device 10. The image sensor 28 captures an image of the surroundings of the terminal device 10.

[0127] The above-described barometric pressure sensor 23, temperature sensor 24, sound sensor 25, light sensor 26, and image sensor 28 can each detect the barometric pressure, temperature, sound, illuminance, or capture an image of the surroundings, thereby detecting the environment and situation around the terminal device 10. Also, it becomes possible to improve the accuracy of the position information of the terminal device 10 from the environment and situation around the terminal device 10.

[0128] (Control unit 30) The control unit 30 includes, for example, a microcomputer having a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM, input / output ports, etc., and various circuits. Further, the control unit 30 may be configured by hardware such as an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 30 includes a transmission unit 31, a reception unit 32, and a processing unit 33.

[0129] (Transmission unit 31) The transmission unit 31 can transmit, via the communication unit 11, various types of information input by the user U using the input unit 13, various types of information detected by the sensors 21 to 28 mounted on or connected to the terminal device 10, the position information of the terminal device 10 measured by the positioning unit 14, and the like to the settlement server 100.

[0130] (Reception unit 32) The reception unit 32 can receive, via the communication unit 11, various types of information provided from the settlement server 100 and requests for various types of information from the settlement server 100.

[0131] (Processing unit 33) The processing unit 33 controls the entire terminal device 10, including the display unit 12 and the like. For example, the processing unit 33 can output and display various types of information transmitted by the transmission unit 31 and various types of information from the settlement server 100 received by the reception unit 32 to the display unit 12.

[0132] (Reading unit 34) The reading unit 34 has a camera function and reads various types of information. For example, the reading unit 34 reads card information such as a two-dimensional code printed on the physical prepaid card PC based on the operation of the user U.

[0133] (Storage unit 40) The storage unit 40 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as an HDD (Hard Disk Drive), an SSD (Solid State Drive), or an optical disk. Various programs, various data, etc. are stored in such a storage unit 40.

[0134] [4. Configuration Example of Information Processing Apparatus] Next, with reference to FIG. 8, the configuration of the settlement server 100 according to the embodiment will be described. FIG. 8 is a diagram showing a configuration example of the settlement server 100 according to the embodiment. As shown in FIG. 8, the settlement server 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0135] (Communication Unit 110) The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. Further, the communication unit 110 is connected to the network N (see FIG. 6) by wire or wirelessly.

[0136] (Storage Unit 120) The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 8, the storage unit 120 includes a user information database 121, a history information database 122, a card information database 123, and a settlement information database 124.

[0137] (User Information Database 121) The user information database 121 stores various information about the user U. For example, the user information database 121 stores various information such as the attributes of the user U. FIG. 9 is a diagram showing an example of the user information database 121. In the example shown in FIG. 9, the user information database 121 has items such as "User ID (Identifier)", "Age", "Gender", "Home", "Workplace", and "Interests".

[0138] The "User ID" indicates the identification information for identifying user U. Also, the "Age" indicates the age of user U identified by the User ID. Note that the "Age" may be the specific age of user U identified by the User ID, such as 35 years old. Also, the "Gender" indicates the gender of user U identified by the User ID.

[0139] Also, the "Home" indicates the location information of the home of user U identified by the User ID. Note that in the example shown in FIG. 9, the "Home" is illustrated with an abstract symbol such as "LC11", but it may be latitude and longitude information or the like. Also, for example, the "Home" may be a region name or an address.

[0140] Also, the "Workplace" indicates the location information of the workplace (school in the case of students) of user U identified by the User ID. Note that in the example shown in FIG. 9, the "Workplace" is illustrated with an abstract symbol such as "LC12", but it may be latitude and longitude information or the like. Also, for example, the "Workplace" may be a region name or an address.

[0141] Also, the "Interest" indicates the interest of user U identified by the User ID. That is, the "Interest" indicates the object that user U identified by the User ID is highly interested in. For example, the "Interest" may be a search query (keyword) that user U entered into a search engine and searched for. Note that in the example shown in FIG. 9, the "Interest" is illustrated one by one for each user U, but there may be multiple.

[0142] For example, in the example shown in FIG. 9, it is shown that the age of user U identified by the User ID "U1" is in his / her 20s and the gender is "male". Also, for example, it is shown that the home of user U identified by the User ID "U1" is "LC11". Also, for example, it is shown that the workplace of user U identified by the User ID "U1" is "LC12". Also, for example, it is shown that user U identified by the User ID "U1" is interested in "Sports".

[0143] Here, in the example shown in FIG. 9, abstract values such as "U1", "LC11", and "LC12" are used for illustration, but it is assumed that information such as specific character strings and numerical values is stored in "U1", "LC11", and "LC12". Hereinafter, in the figures regarding other information, abstract values may be illustrated.

[0144] Note that the user information database 121 is not limited to the above, and may store various information according to the purpose. For example, the user information database 121 may store various information regarding the terminal device 10 of the user U. Further, the user information database 121 may store information regarding attributes such as the demographics (demographic attributes), psychographics (psychological attributes), geographics (geographical attributes), and behavioral (behavioral attributes) of the user U. For example, the user information database 121 may store information such as name, family composition, place of origin (local area), occupation, position, income, qualifications, housing form (detached house, condominium, etc.), presence or absence of a car, commuting / going-to-school time, commuting / going-to-school route, commuter pass section (station, line, etc.), frequently used stations (other than the nearest stations to home / workplace), hobbies (place, time zone, etc.), hobbies, interests, lifestyle, etc.

[0145] (History Information Database 122) The history information database 122 stores various information regarding history information (log data) indicating the actions of the user U. FIG. 10 is a diagram showing an example of the history information database 122. In the example shown in FIG. 10, the history information database 122 has items such as "user ID", "location history", "search history", "browsing history", "purchase history", and "posting history".

[0146] "User ID" indicates identification information for identifying user U. Also, "location history" indicates a location history that is a history of the location and movement of user U. Also, "search history" indicates a search history that is a history of search queries input by user U. Also, "browsing history" indicates a browsing history that is a history of content browsed by user U. Also, "purchase history" indicates a purchase history that is a history of purchases made by user U. Also, "posting history" indicates a posting history that is a history of posts made by user U. Note that the "posting history" may include questions about user U's possessions.

[0147] For example, in the example shown in FIG. 10, user U identified by user ID "U1" moved as per "location history #1", searched as per "search history #1", browsed content as per "browsing history #1", purchased a predetermined product or the like at a predetermined store or the like as per "purchase history #1", and posted as per "posting history".

[0148] Here, in the example shown in FIG. 10, abstract values such as "U1", "location history #1", "search history #1", "browsing history #1", "purchase history #1", and "posting history #1" are used for illustration, but it is assumed that specific information such as character strings and numerical values is stored in "U1", "location history #1", "search history #1", "browsing history #1", "purchase history #1", and "posting history #1".

[0149] Note that the history information database 122 is not limited to the above and may store various information according to the purpose. For example, the history information database 122 may store the usage history of a predetermined service of user U or the like. Also, the history information database 122 may store the store visit history or facility visit history of the actual store of user U or the like. Also, the history information database 122 may store the settlement history in electronic settlement of user U or the like.

[0150] (Card Information Database 123) The card information database 123 stores various information regarding prepaid cards. FIG. 11 is a diagram showing an example of the card information database 123. In the example shown in FIG. 11, the card information database 123 has items such as "user ID", "franchise store ID", "card ID", "account ID", "balance", "upper limit amount", and "expiration date".

[0151] The "user ID" indicates identification information for identifying the user U who purchased the prepaid card. Also, the "franchise store ID" indicates identification information for identifying the franchise stores where the prepaid card can be used. Note that the franchise store ID may be identification information for identifying a chain store. Also, the "card ID" indicates identification information (prepaid card ID) for identifying the prepaid card held by the user U. In the present embodiment, prepaid cards are issued for each franchise store. Also, the "account ID" indicates identification information for identifying the account linked to the prepaid card. Note that the account ID may be identification information for identifying an account common to a plurality of prepaid cards. Also, the "balance" indicates the balance of the account linked to the prepaid card. This balance can be used only for purchasing goods (or using services) at franchise stores where the prepaid card can be used. Also, the "upper limit amount" indicates the upper limit amount for charging the account linked to the prepaid card. Note that the upper limit amount may be an upper limit amount set by the user U as the usage limit amount per day or per month. Also, the "expiration date" indicates the expiration date of the prepaid card held by the user U. For example, the expiration date is indicated by year / month / day.

[0152] For example, in the example shown in FIG. 11, it shows that the user U identified by the user ID "U1" holds a card identified by the card ID "Card #A" that can be used at the brand identified by the franchise store ID "Store #A". Also, this card is linked to the account ID "Account #A", has a balance of "2,000" yen, an upper limit amount of "200,000" yen, and is valid until the expiration date "2021 / 1 / 21".

[0153] Here, in the example shown in FIG. 11, abstract values such as "U1", "Store #A", "Card #A", and "Account #A" are used for illustration, but it is assumed that specific information such as character strings and numerical values is stored in "U1", "Store #A", "Card #A", and "Account #A".

[0154] Note that the card information database 123 is not limited to the above, and may store various information according to the purpose. For example, the card information database 123 may store the usage history of the prepaid card of the user U. Also, the card information database 123 may store information regarding the prepaid cards that the user U has purchased so far (in the past) (for example, the purchase history of the prepaid cards). Further, the card information database 123 may store information regarding benefits (bonuses, premiums, etc.) according to the usage frequency and purchase times of the prepaid cards of the user U.

[0155] (Settlement information database 124) The settlement information database 124 stores various information regarding settlements (electronic settlements) using the terminal device 10. FIG. 12 is a diagram showing an example of the settlement information database 124. In the example shown in FIG. 12, the settlement information database 124 has items such as "User ID", "Store ID", "Transaction target ID", "Unit price", "Quantity", "Card ID", "Amount used", and "Settlement amount".

[0156] "User ID" indicates identification information for identifying user U who uses a prepaid card in the payment (electronic payment) using terminal device 10. Also, "Store ID" indicates identification information for identifying the affiliated store (store) where the prepaid card was used in the payment (electronic payment) using terminal device 10. Note that the Store ID may be identification information for identifying a chain store. Also, "Transaction Target ID" indicates identification information for identifying a transaction target such as a product or service that is the target of the prepaid card in the payment (electronic payment) using terminal device 10. Also, "Unit Price" indicates the unit price of a transaction target such as a product or service that is the target of the prepaid card. Also, "Quantity" indicates the quantity of a transaction target such as a product or service that is the target of the prepaid card. That is, the quantity indicates the number of products (purchase quantity) that are the target of the prepaid card or the number of times a service is used, etc.

[0157] Also, "Card ID" indicates identification information for identifying the prepaid card used by user U. Also, "Amount Used" indicates the amount used of the prepaid card in the payment (electronic payment) using terminal device 10. For example, when the remaining balance of the prepaid card is more than the total amount of the transaction targets to be paid, the amount used is the same as the total amount of the transaction targets. Also, when the remaining balance of the prepaid card is less than the total amount of the transaction targets to be paid, the amount used is the entire remaining balance of the prepaid card. Also, for the shortage, it may be possible to select whether to recharge the prepaid card or pay by normal electronic payment. Also, "Payment Amount" indicates the payment amount after using the prepaid card. For the price of a transaction target for which the prepaid card can be used, it becomes free (0 yen) by using the prepaid card.

[0158] For example, in the example shown in FIG. 12, user U identified by user ID "U1" purchased only 1 unit of the transaction target identified by transaction target ID "Transaction Target #A1" at a unit price of "1,200" yen at the store identified by store ID "Store #A". Also, the above user U used the prepaid card identified by card ID "Card #A" for an amount of "1,200" yen for the above transaction target, indicating that the settlement amount became "0" yen.

[0159] Here, in the example shown in FIG. 12, abstract values such as "U1", "Store #A", "Transaction Target #A1", and "Card #A" are used for illustration, but it is assumed that information such as specific character strings and numerical values is stored in "U1", "Store #A", "Transaction Target #A1", and "Card #A".

[0160] Note that the settlement information database 124 is not limited to the above, and may store various information according to the purpose. For example, the settlement information database 124 may store identification information for identifying settlement means such as settlement (electronic settlement) using the terminal device 10 and settlement operators.

[0161] Furthermore, the history information database 122, the card information database 123, and the settlement information database 124 may be in cooperation with or integrated with the user information database 121. For example, the user information database 121, the history information database 122, the card information database 123, and the settlement information database 124 may be a relational database (RDB).

[0162] (Control Unit 130) Returning to FIG. 8, the description will continue. The control unit 130 is a controller, which is realized, for example, by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), etc., when various programs (corresponding to an example of an information processing program) stored in the internal storage device of the settlement server 100 are executed with a storage area such as a RAM as a work area. In the example shown in FIG. 8, the control unit 130 includes an acquisition unit 131, an issuance unit 132, a setting unit 133, a management unit 134, a settlement processing unit 135, an estimation unit 136, a provision unit 137, a reception unit 138, a transfer unit 139, a selection unit 140, and a display unit 141.

[0163] (Acquisition Unit 131) The acquisition unit 131 acquires various information about the user U via the communication unit 110. For example, based on information (such as a user ID) indicating the user U who uses the settlement application, the acquisition unit 131 acquires the location information of the user U, the attribute information of the user U, etc. Then, the acquisition unit 131 registers it in the user information database 121 of the storage unit 120.

[0164] Also, the acquisition unit 131 acquires various history information (log data) indicating the actions of the user U via the communication unit 110. Then, the acquisition unit 131 registers it in the history information database 122 of the storage unit 120.

[0165] Also, when a settlement is made using the terminal device 10 via the communication unit 110, the acquisition unit 131 acquires the settlement history of the balance used for the settlement. Further, when a settlement using the terminal device 10 is performed via the communication unit 110, the acquisition unit 131 acquires the settlement histories of a plurality of balances available to the user U who uses the terminal device 10. For example, as information indicating the settlement history, the acquisition unit 131 acquires settlement information, user information, history information, card information, etc.

[0166] In addition, the acquisition unit 131 receives, via the communication unit 110, a purchase request (issuance request), a recharge request, and a provision request (gift request) for a prepaid card from the user U. For example, when the user U performs an operation to purchase a prepaid card for a desired transaction target (product, service) of a desired store at the prepaid card sales corner in the settlement application, the acquisition unit 131 receives it as a purchase request for the prepaid card. Also, when the user U performs an operation to recharge the balance of the prepaid card by specifying an amount in the settlement application, the acquisition unit 131 recharges the amount specified by the user U to the balance of the prepaid card. Further, when the user U designates someone other than themselves as the recipient at the time of purchasing a prepaid card or performs an operation to transfer it to another person after purchasing the prepaid card in the settlement application, the acquisition unit 131 receives it as a provision request (gift request) for the prepaid card. That is, the acquisition unit 131 also functions as a reception unit that receives a purchase request (issuance request), a recharge request, and a provision request (gift request) for the prepaid card.

[0167] (Issuance unit 132) The issuance unit 132 issues a prepaid card in response to a purchase request (issuance request) for a prepaid card from the user U. For example, the issuance unit 132 issues a prepaid card to the user U at the prepaid card sales corner in the settlement application. At this time, the issuance unit 132 issues a prepaid card that is linked to the settlement (electronic settlement) using the terminal device 10. From another perspective, the issuance unit 132 issues a prepaid card that can be used in the settlement (electronic settlement) using the terminal device 10. Also, the issuance unit 132 issues prepaid cards for each affiliated store. For example, the issuance unit 132 issues prepaid cards for each corporate brand. Further, the issuance unit 132 may issue prepaid cards for each product brand.

[0168] (Setting unit 133) The setting unit 133 sets a usage-limited remaining balance (prepaid card remaining balance) with a limited usage, separately from the normal remaining balance (remaining balance for settlement) that has no usage limitation, as the remaining balance available for settlement using the terminal device. At this time, the setting unit 133 sets the usage-limited remaining balance for each usage. Also, the setting unit 133 sets the usage-limited remaining balance for each affiliated store of the settlement service. Further, the setting unit 133 sets the usage-limited remaining balance for each user U.

[0169] Also, when the prepaid card is issued, the setting unit 133 sets a remaining balance dedicated to the prepaid card. Since the prepaid card is issued for each affiliated store, it can be said that the setting unit 133 sets a remaining balance limited to the affiliated store. For example, when the prepaid card is issued for each corporate brand, the setting unit 133 sets a remaining balance limited to the corporate brand. Also, when the prepaid card is issued for each product brand, the setting unit 133 may set a remaining balance limited to the product brand.

[0170] Note that the setting unit 133 may cooperate with the issuing unit 132 or the management unit 134, or may be integrated with the issuing unit 132 or the management unit 134. That is, the setting unit 133 may be a part of the functions of the issuing unit 132 or the management unit 134. For example, when the issuing unit 132 issues a prepaid card, it may set the remaining balance dedicated to the prepaid card when the prepaid card is issued. Also, when the management unit 134 starts managing the prepaid card, it may set the remaining balance dedicated to the prepaid card.

[0171] (Management unit 134) The management unit 134 separately manages the normal balance that is not restricted by use and the balance with restricted use as the balance available for payment using the terminal device. At this time, the management unit 134 separately manages the balance with restricted use set for each use. Also, the management unit 134 separately manages the balance with restricted use set for each affiliated store. For example, the management unit 134 separately manages the balance restricted by the corporate brand set for each corporate brand. Also, the management unit 134 separately manages the balance restricted by the product brand set for each product brand. Also, the management unit 134 separately manages the balance with restricted use set for each user U.

[0172] Also, when user U uses the person-to-person money transfer function to transfer a predetermined amount from the balance with restricted use of user U to another user F, the management unit 134 transfers the transferred amount to the balance with restricted use of another user F corresponding to the balance with restricted use of user U.

[0173] Also, the management unit 134 manages the balance with restricted use and the prepaid card in association with each other. When user U transfers the prepaid card to another user F, the management unit 134 transfers the entire amount of the balance with restricted use associated with the prepaid card from the balance with restricted use of user U to the balance with restricted use of another user F.

[0174] Also, the management unit 134 manages the prepaid card held by user U. For example, the management unit 134 manages the prepaid card issued by the issuing unit 132 to user U. Furthermore, the management unit 134 manages the balance (balance with restricted use) of the prepaid card. At this time, the management unit 134 separately manages the balance for payment in electronic payment (electronic settlement) using the terminal device 10 and the balance of the prepaid card. That is, the management unit 134 separately manages the balance for payment in normal electronic settlement and the balance for payment with the prepaid card. Also, the management unit 134 separately manages the balance of the prepaid card for each affiliated store. That is, the management unit 134 separately manages the balance for each prepaid card.

[0175] In addition, when the settlement processing unit 135 performs settlement processing, the management unit 134 determines whether a prepaid card is applicable to the transaction target to be settled. That is, the management unit 134, in conjunction and cooperation with the settlement processing unit 135, applies a prepaid card to the transaction target to be settled. In practice, the settlement processing unit 135 may, in conjunction and cooperation with the management unit 134, apply a prepaid card to the transaction target to be settled. Further, when a prepaid card is applied to the transaction target to be settled, the management unit 134 manages the remaining balance of the prepaid card. Also, the management unit 134 manages the expiration date of the prepaid card.

[0176] In addition, when the user U of the terminal device 10 transfers the prepaid card held by the user U to another user using the person-to-person money transfer function of the settlement application, the management unit 134 changes the owner of the prepaid card from the user U to another user and transfers the remaining balance of the prepaid card from the user U to another user. That is, when a prepaid card is presented from the user U to another user, the management unit 134 transfers the remaining balance of the prepaid card from the account of the user U to the account of another user. In practice, the management unit 134 may transfer the account itself linked to the prepaid card from the user U to another user. In the above description, the user U and another user may be interchanged. Further, when the user U is transferred a prepaid card from another user and already holds the same prepaid card as the transferred prepaid card, the management unit 134 may add the remaining balance of the transferred prepaid card to the remaining balance of the said prepaid card. Alternatively, the remaining balance of the prepaid card already held and the remaining balance of the transferred prepaid card may be managed separately.

[0177] (Settlement Processing Unit 135) When the user U uses the terminal device 10 to perform a settlement (electronic settlement) through the settlement application, the settlement processing unit 135 performs the settlement processing. For example, the settlement processing unit 135 performs the settlement processing by, in accordance with the settlement request from the user U, transferring electronic money from the account of the user U to the account of the franchise store.

[0178] In this embodiment, when the user U purchases or uses a transaction target (product, service) at a store where a prepaid card can be used and makes a payment (electronic payment) using the terminal device 10 through the payment application, the payment processing unit 135 performs payment processing by applying the prepaid card. That is, when making a payment at a franchise store, the payment processing unit 135 performs payment processing using the remaining balance of the prepaid card corresponding to the franchise store.

[0179] At this time, the payment processing unit 135 acquires store information indicating the store when making a payment using the terminal device 10, and automatically applies the prepaid card that can be used at the store among the prepaid cards held by the user U.

[0180] Alternatively, when the payment processing unit 135 and an electronic payment (using the terminal device 10) are performed, and a prepaid card is used by the user U, the payment processing unit 135 applies the prepaid card to perform payment processing. For example, when, during payment using the terminal device 10, a dedicated prepaid card code for using the prepaid card installed at the store is read by the terminal device 10, the payment processing unit 135 applies the prepaid card to perform payment processing. Alternatively, when, during payment using the terminal device 10, a dedicated prepaid card code for using the prepaid card displayed on the terminal device 10 is read by the store terminal, the payment processing unit 135 applies the prepaid card to perform payment processing.

[0181] In addition, when the balance of the prepaid card corresponding to the affiliated store is insufficient during the settlement process at the affiliated store, the settlement processing unit 135 charges the balance of the prepaid card from the balance for settlement using the terminal device 10 and performs the settlement process. Alternatively, when the balance of the prepaid card corresponding to the affiliated store is insufficient during the settlement process at the affiliated store, the settlement processing unit 135 performs the settlement process using the balance for settlement using the terminal device 10. Note that when the balance of the prepaid card is insufficient, the settlement processing unit 135 may recharge or pay the shortage amount by normal electronic payment and execute recharge or normal electronic payment when permission is obtained by inquiring the user U, or may automatically execute recharge or normal electronic payment.

[0182] That is, when the balance of the usage-limited balance is insufficient during the settlement for the usage, the settlement processing unit 135 charges the usage-limited balance from the normal balance and performs the settlement process. Alternatively, when the balance of the usage-limited balance is insufficient during the settlement for the usage, the settlement processing unit 135 performs the settlement process using the normal balance.

[0183] Furthermore, the settlement processing unit 135 executes the process corresponding to the candidate information selected by the user U among the candidate information displayed by the display unit 141. For example, when the value of the prepaid card balance is insufficient for the settlement, the settlement processing unit 135 charges the prepaid card balance from the balance for settlement using the terminal device 10 based on the designation of the user U and performs the settlement process. Also, when the value of the prepaid card balance is insufficient for the settlement, the settlement processing unit 135 performs the settlement process using the balance for settlement using the terminal device 10 based on the designation of the user U. Also, when the total amount of the value of the prepaid card balance and the balance for settlement is insufficient for the settlement, the settlement processing unit 135 charges the prepaid card balance or the balance for settlement based on the designation of the user U and performs the settlement process.

[0184] In addition, when the value of the prepaid card balance after settlement becomes equal to or less than a predetermined threshold, the settlement processing unit 135 transfers the value of the prepaid card balance to the balance for settlement based on the designation of the user U. Also, when the value of the prepaid card balance after settlement becomes equal to or less than a predetermined threshold, the settlement processing unit 135 purchases the transaction target with the value of the prepaid card balance based on the designation of the user U and performs settlement processing. Further, when the value of the prepaid card balance after settlement becomes equal to or less than a predetermined threshold, the settlement processing unit 135 makes a donation of the value of the prepaid card balance based on the designation of the user U. Furthermore, when the balance of the prepaid card balance becomes 0, the settlement processing unit 135 discards the prepaid card balance based on the designation of the user U.

[0185] (Estimation unit 136) The estimation unit 136 estimates a prepaid card suitable for the user U based on the attribute information and various history information of the user U. For example, when the attribute information and history information of the user U are input, the estimation unit 136 creates a prepaid card estimation model (trained model) that outputs information indicating a prepaid card suitable for the user U. Then, the estimation unit 136 inputs the attribute information and various history information of the user U into the prepaid card estimation model and estimates a prepaid card suitable for the user U based on the output information.

[0186] For example, the estimation unit 136 creates a trained model that estimates a prepaid card suitable for the user U through machine learning using RNN (Recurrent Neural Network), LSTM (Long short-term memory), etc. Note that any type and any form of model can be adopted. For example, the estimation unit 136 may adopt SVM (Support Vector Machine) or DNN (Deep Neural Network) as the model. Here, the DNN may be a CNN (Convolutional Neural Network) or an RNN. Also, the model may be a model realized by combining a plurality of models, such as a model combining a CNN and an RNN.

[0187] Note that the RNN or LSTM may be a neural network based on the mechanism of attention. Further, the estimation unit 136 may use a similar natural language processing model. Also, data mining or other machine learning algorithms may be utilized. The estimation unit 136 can perform model learning by various learning methods described above.

[0188] (Provision unit 137) The provision unit 137 provides information on a prepaid card suitable for the user U to the terminal device 10 of the user U via the communication unit 110. For example, the prepaid card suitable for the user U estimated by the estimation unit 136 is preferentially listed in the prepaid card sales corner in the payment application used by the user U. Alternatively, the provision unit 137 provides a link to the purchase screen of the prepaid card suitable for the user U estimated by the estimation unit 136 to the terminal device 10 of the user U by push notification.

[0189] Note that the timing at which the provision unit 137 provides information on a prepaid card suitable for the user U may be the timing when the user U enters a store where the prepaid card can be used, or the timing when the user U purchases / uses a desired transaction target (goods, services) a predetermined number of times at a franchise where the prepaid card can be used. The predetermined number of times may be once or multiple times.

[0190] Also, when a prepaid card is presented (transferred) as a gift from the user U to another user, the provision unit 137 notifies the other user that the prepaid card has been transferred from the user U. For example, the provision unit 137 notifies the terminal device 10 of the other user of information on the user U who transferred the prepaid card and information on the transferred prepaid card.

[0191] In addition, in order to prevent the user U from forgetting to use the prepaid card, the providing unit 137 notifies the information regarding the prepaid card held by the user U at a predetermined timing. That is, the providing unit 137 also functions as a notifying unit that notifies the existence of the prepaid card in order to recommend the use of the prepaid card.

[0192] For example, based on the location information of the user U, the providing unit 137 notifies the terminal device 10 of the prepaid cards available at stores in the vicinity of the location of the user U or stores within the moving range. In addition, when the user U enters a store where the prepaid card can be used, the providing unit 137 notifies the terminal device 10 of the prepaid cards available at that store.

[0193] In addition, when the expiration date of the prepaid card is approaching, the providing unit 137 notifies the terminal device 10 of the prepaid card and the expiration date at a predetermined timing such as two weeks before the expiration date. That is, the providing unit 137 also functions as a deadline notifying unit that notifies the expiration date of the prepaid card.

[0194] In practice, the providing unit 137 may notify the information regarding the prepaid card held by the user U in response to a request from the terminal device 10. For example, when the terminal device 10 detects the approach of the user U to a franchise store, entry into the store, settlement, etc., it notifies the location information to the settlement server 100. Then, the providing unit 137 of the settlement server 100 identifies the franchise store according to the location information from the terminal device 10 and notifies the terminal device 10 of the information regarding the prepaid cards available at that franchise store.

[0195] (Receiving unit 138) The reception unit 138 receives a captured image including card identification information printed on the physical prepaid card PC from the terminal device. For example, the reception unit 138 receives a captured image captured via an application that provides settlement using the terminal device 10. Here, the reception unit 138 can also receive a captured image including card identification information (card ID) displayed on the screen as a prepaid card other than the physical prepaid card PC, that is, an electronic prepaid card, from the terminal device 10.

[0196] Note that the reception unit 138 may cooperate with the acquisition unit 131 or may be integrated with the acquisition unit 131. That is, the reception unit 138 may be a part of the function of the acquisition unit 131.

[0197] (Transfer unit 139) The transfer unit 139 transfers the balance of the physical prepaid card PC to the prepaid card balance associated with the user identification information of the user U who uses the terminal device 10. At this time, the transfer unit 139 can also transfer a part of the balance of the physical prepaid card PC to the above prepaid card balance. Further, when the transfer unit 139 transfers the balance of the physical prepaid card PC, it notifies the management device (management server) that manages the physical prepaid card PC of the completion of the transfer of the balance of the physical prepaid card PC. At this time, when the remainder or a part of the balance of the physical prepaid card PC is transferred, it notifies the above management server of the subtraction due to the transfer of the balance of the physical prepaid card PC.

[0198] The transfer unit 139 transfers the balance of the physical prepaid card PC to a prepaid card balance with limited usage (usage-limited balance) that is set separately from the balance without usage limitation. At this time, when the prepaid card balance corresponding to the physical prepaid card PC is set, the transfer unit 139 transfers the balance of the physical prepaid card PC to the prepaid card balance for which the balance is set. On the other hand, when the prepaid card balance corresponding to the physical prepaid card PC is not set, the transfer unit 139 sets a new prepaid card balance and transfers the balance of the physical prepaid card PC to the new prepaid card balance. Further, when the transfer unit 139 receives a captured image including card identification information from the terminal device 10, it transfers the balance of the physical prepaid card PC to a common prepaid card balance.

[0199] Note that the transfer unit 139 may cooperate with the issuing unit 132, the setting unit 133, or the management unit 134, or may be integrated with the issuing unit 132, the setting unit 133, or the management unit 134. That is, the transfer unit 139 may be a part of the functions of the issuing unit 132, the setting unit 133, or the management unit 134.

[0200] (Selection unit 140) The selection unit 140 selects, from a plurality of prepaid card balances, the prepaid card balance with a large number of settlement times indicated by the settlement history. Also, the selection unit 140 selects, from a plurality of prepaid card balances, the prepaid card balance with a large total settlement amount indicated by the settlement history. Also, the selection unit 140 selects, from a plurality of prepaid card balances, the prepaid card balance for which the most recent settlement indicated by the settlement history was made. Also, the selection unit 140 selects, from a plurality of prepaid card balances, the prepaid card balance with a large remaining balance indicated by the settlement history. The selection unit 140 selects, from a plurality of prepaid card balances, the prepaid card balance with an expiration date close to that indicated by the settlement history.

[0201] Note that the selection unit 140 may cooperate with the management unit 134, or may be integrated with the management unit 134. That is, the selection unit 140 may be a part of the functions of the management unit 134.

[0202] (Display unit 141) Based on the settlement history, when the balance value is insufficient for the settlement or when the balance value after the settlement becomes equal to or less than a predetermined threshold value, the display unit 141 displays candidate information regarding the available responses that can be selected by the user U who uses the terminal device 10.

[0203] Regarding an example of the case where the balance value is insufficient for the settlement, when the prepaid card balance value is insufficient for the settlement, the display unit 141 displays the candidate information that proposes a settlement process of charging the prepaid card balance from the settlement balance used for settlement using the terminal device 10. Also, when the prepaid card balance value is insufficient for the settlement, the display unit 141 displays the candidate information that proposes a settlement process performed using the settlement balance used for settlement using the terminal device 10. Further, when the total amount of the prepaid card balance value and the settlement balance value is insufficient for the settlement, the display unit 141 displays the candidate information that allows the user U to select whether to charge either the prepaid card balance or the settlement balance to perform the settlement process.

[0204] Regarding an example of the case where the balance value after the settlement becomes equal to or less than a predetermined threshold value, when the prepaid card balance value after the settlement becomes equal to or less than a predetermined threshold value, the display unit 141 displays the candidate information that allows the user U to select whether to transfer the prepaid card balance value to the settlement balance. Also, when the prepaid card balance value after the settlement becomes equal to or less than a predetermined threshold value, the display unit 141 displays the candidate information that presents the transaction targets that can be purchased with the prepaid card balance value to the user U. Further, when the prepaid card balance value after the settlement becomes equal to or less than a predetermined threshold value, the display unit 141 displays the candidate information that presents the donation destination of the prepaid card balance value to the user U.

[0205] Furthermore, when the prepaid card balance value becomes 0, the display unit 141 displays the candidate information that allows the user U to select whether to discard the prepaid card balance.

[0206] Note that the display unit 141 may cooperate with the providing unit 137 or may be integrated with the providing unit 137. That is, the display unit 141 may be a part of the functions of the providing unit 137.

[0207] [5. Processing Procedure] Next, with reference to FIGS. 13 to 17, the processing procedure by the terminal device 10 and the settlement server 100 according to the embodiment will be described.

[0208] [5-1. Processing Procedure for Prepaid Card Management] First, with reference to FIG. 13, the processing procedure for prepaid card management according to the embodiment will be described. FIG. 13 is a flowchart showing the processing procedure for prepaid card management according to the embodiment. Note that the following processing procedure is repeatedly executed by the control unit 30 of the terminal device 10 and the control unit 130 of the settlement server 100.

[0209] As shown in FIG. 13, the acquisition unit 131 of the settlement server 100 acquires a purchase request (issuance request) for a prepaid card from the user U via the communication unit 110 (step S101).

[0210] Subsequently, the issuance unit 132 of the settlement server 100 issues a prepaid card in response to the purchase request for the prepaid card from the user U (step S102). For example, when the user purchases a prepaid card from the prepaid card sales corner in the settlement application by settlement (electronic settlement) using the terminal device 10, the issuance unit 132 issues a prepaid card to the user U. At this time, the issuance unit 132 issues a prepaid card linked to the settlement (electronic settlement) using the terminal device 10. From another perspective, the issuance unit 132 issues a prepaid card that can be used in the settlement (electronic settlement) using the terminal device 10.

[0211] Subsequently, the management unit 134 of the settlement server 100 secures an area for the prepaid card - specific balance (step S103). Here, the management unit 134 sets up an account or data area for managing the prepaid - card - specific balance (purpose - limited balance) separately from the balance for normal electronic settlement. That is, the balance for normal electronic settlement and the prepaid - card - specific balance are independent. Also, the prepaid - card - specific balance is set for each prepaid card. That is, the prepaid - card - specific balance is independent for each prepaid card.

[0212] Subsequently, the management unit 134 of the settlement server 100 manages the prepaid cards held by the user U (step S104). Here, the management unit 134 associates and manages the user U with the prepaid cards.

[0213] Subsequently, the management unit 134 of the settlement server 100 determines whether the user U has received a prepaid card transferred from another person (step S105). That is, the management unit 134 determines whether the user U has received a prepaid card as a gift from another person.

[0214] When the management unit 134 of the settlement server 100 determines that the user U has received a prepaid card transferred from another person (step S105; Yes), it secures the area for the balance of the prepaid card (returns to step S103) and manages the prepaid card transferred to the user U from another person (step S104). Note that when the management unit 134 already holds the same prepaid card as the prepaid card transferred to the user U, it may add the balance of the transferred prepaid card to the balance of the said prepaid card. On the contrary, when the management unit 134 of the settlement server 100 determines that the user U has not received a prepaid card transferred from another person (step S105; No), it proceeds to the next process (proceeds to step S106).

[0215] Subsequently, the management unit 134 of the payment server 100 determines whether the user U of the terminal device 10 has transferred the prepaid card held by the user U to another user by using the person-to-person money transfer function of the payment application (step S106). For example, the management unit 134 determines whether the user U has pressed the "Gift" button displayed for each prepaid card on the screen where the user U operates the terminal device 10 to display the list of prepaid cards held by the user U. If the management unit 134 of the payment server 100 has not transferred the prepaid card held by the user U to another user (step S106; No), the management of the prepaid card held by the user U is continued, and a series of processes are terminated.

[0216] If the user U of the terminal device 10 has transferred the prepaid card held by the user U to another user by using the person-to-person money transfer function of the payment application (step S106; Yes), the management unit 134 of the payment server 100 changes the owner of the prepaid card from the user U to another user and transfers the remaining balance of the prepaid card from the user U to another user (step S107).

[0217] Subsequently, the management unit 134 of the payment server 100 releases the area for the dedicated remaining balance of the prepaid card transferred to another user (step S108). Then, a series of processes are terminated.

[0218] 〔5-2. Processing Procedure for Using Prepaid Card〕 Next, with reference to FIG. 14, the processing procedure for using the prepaid card according to the embodiment will be described. FIG. 14 is a flowchart showing the processing procedure for using the prepaid card according to the embodiment. The following processing procedure is repeatedly executed by the control unit 30 of the terminal device 10 and the control unit 130 of the payment server 100.

[0219] As shown in FIG. 14, the providing unit 137 of the settlement server 100 notifies the user U of information regarding the prepaid card held by the user U in order to prevent forgetting to use the prepaid card (step S111). For example, based on the location information of the user U, the providing unit 137 notifies the terminal device 10 of prepaid cards that can be used at stores in the vicinity of the location of the user U or stores within the moving range. In addition, when the user U enters a store where a prepaid card can be used, the providing unit 137 notifies the terminal device 10 of the prepaid cards that can be used at that store. Further, when the user U starts a settlement application to perform settlement (electronic settlement) using the terminal device 10, the terminal device 10 notifies the terminal device 10 of the prepaid cards that can be used at that store. Also, when the expiration date of the prepaid card is approaching, the providing unit 137 notifies the terminal device 10 of the prepaid card and the expiration date at a predetermined timing such as two weeks before the expiration date.

[0220] Subsequently, the settlement processing unit 135 of the settlement server 100 determines whether the user U will perform settlement regarding the affiliated store (step S112). For example, the settlement processing unit 135 determines whether the user U visits a store of an affiliated store where a prepaid card can be used and performs settlement (electronic settlement) using the terminal device 10 at the store. The settlement processing unit 135, or the settlement processing unit 135, determines whether the goods purchased by the user U are goods of the affiliated store when the user performs settlement (electronic settlement) using the terminal device 10. In practice, it may not be limited to the purchase of goods, but may also be the use of services at the store. Here, when the settlement processing unit 135 of the settlement server 100 determines that the user U does not perform settlement regarding the affiliated store (step S112; No), it does not apply the prepaid card and performs normal settlement processing using the balance for normal electronic settlement (step S113).

[0221] Next, when the payment processing unit 135 of the payment server 100 performs a payment for the user U at the affiliated store (step S112; Yes), it determines whether the balance of the prepaid card of the affiliated store is insufficient (step S114). Here, when the balance of the prepaid card of the affiliated store is not insufficient (step S114; No), the payment processing unit 135 of the payment server 100 applies the prepaid card of the affiliated store to the payment for the affiliated store, and performs payment processing using the balance of the prepaid card of the affiliated store (step S115).

[0222] On the contrary, when the balance of the prepaid card of the affiliated store is insufficient (step S114; Yes), the payment processing unit 135 of the payment server 100 inquires the user U and confirms whether to recharge the prepaid card of the affiliated store (step S116).

[0223] When the payment processing unit 135 of the payment server 100 does not recharge the prepaid card of the affiliated store (step S116; No), it does not apply the prepaid card to the payment for the affiliated store, and performs normal payment processing using the balance for normal electronic payment (step S113).

[0224] On the contrary, when the payment processing unit 135 of the payment server 100 recharges the prepaid card of the affiliated store (step S116; Yes), it applies the prepaid card of the affiliated store to the payment for the affiliated store, and performs payment processing using the balance of the prepaid card of the affiliated store (step S115).

[0225] [5-3. Processing Procedure for Physical Prepaid Card Management] Next, with reference to FIG. 15, the processing procedure for using the prepaid card according to the embodiment will be described. FIG. 15 is a flowchart showing the processing procedure for physical prepaid card management according to the embodiment. Note that the following processing procedure is repeatedly executed by the control unit 30 of the terminal device 10 and the control unit 130 of the payment server 100.

[0226] As shown in FIG. 15, the reception unit 138 of the settlement server 100 receives a captured image including the card ID printed on the physical prepaid card PC, which is captured by the reading unit 34 of the terminal device 10 (step S201). At this time, the acquisition unit 131 of the settlement server 100 acquires user information including the user ID of the user U from the terminal device 10.

[0227] Subsequently, the transfer unit 139 of the settlement server 100 identifies the management server that manages the physical prepaid card PC from the card ID, and identifies the remaining balance value of the physical prepaid card PC by making an inquiry to the management server (step S202).

[0228] Then, the transfer unit 139 of the settlement server 100 transfers all or part of the identified remaining balance value of the physical prepaid card PC as the prepaid card remaining balance (step S203). At this time, the transfer unit 139 of the settlement server 100 notifies the management server of the transferred balance as unusable together with the transfer completion notification.

[0229] 〔5-4. Processing Procedure for Prepaid Card Selection〕 Subsequently, with reference to FIG. 16, the processing procedure for prepaid card selection according to the embodiment will be described. FIG. 16 is a flowchart showing the processing procedure for prepaid card selection according to the embodiment. Note that the following processing procedure is repeatedly executed by the control unit 130 of the settlement server 100.

[0230] As shown in FIG. 16, the selection unit 140 of the settlement server 100 refers to the settlement history using the prepaid card of the user U (step S211). At this time, the selection unit 140 of the settlement server 100 refers to various databases (user information database 121, history information database 122, card information database 123, settlement information database 124) and acquires information regarding the settlement history.

[0231] Subsequently, the selection unit 140 of the payment server 100 selects a prepaid card to be used for payment based on the payment history (step S212). For example, the selection unit 140 of the payment server 100 selects a prepaid card to be used for payment based on the payment history regarding the number of payments, the total amount of payment, the payment time, the remaining balance, and the expiration date.

[0232] Then, the payment processing unit 135 of the payment server 100 performs payment processing using the selected prepaid card (step S213).

[0233] 〔5-5. Processing Procedure for Displaying Selection Information Regarding Prepaid Card〕 Subsequently, with reference to FIG. 17, the processing procedure for displaying selection information regarding the prepaid card according to the embodiment will be described. FIG. 17 is a flowchart showing the processing procedure for displaying selection information regarding the prepaid card according to the embodiment. Note that the following processing procedure is repeatedly executed by the control unit 30 of the terminal device 10 and the control unit 130 of the payment server 100.

[0234] As shown in FIG. 17, the display unit 141 of the payment server 100 refers to the remaining balance of the prepaid card of the user U (step S231). At this time, the display unit 141 of the payment server 100 refers to various databases (user information database 121, history information database 122, card information database 123, payment information database 124) and obtains the remaining balance of the prepaid card from the information regarding the payment history.

[0235] Subsequently, the display unit 141 of the payment server 100 generates selection information (candidate information) to be displayed (step S222) and displays the selection information on the terminal device 10 of the user U (step S223).

[0236] Then, the reception unit 138 of the payment server 100 receives the designation of the selection information from the terminal device 10 of the user U (step S224).

[0237] Finally, the payment processing unit 135 of the payment server 100 executes various processes based on the designation of the user U (step S225).

[0238] 〔6. Modification Example〕 The terminal device 10 and the payment server 100 described above may be implemented in various different forms other than the above-described embodiment. Therefore, below, a modification example of the embodiment will be described.

[0239] In the above embodiment, part or all of the processes executed by the payment server 100 may actually be executed by the terminal device 10. For example, the processing may be completed in a stand-alone manner (by the terminal device 10 alone). In this case, it is assumed that the terminal device 10 has the functions of the payment server 100 in the above embodiment. Also, in the above embodiment, since the terminal device 10 is in cooperation with the payment server 100, from the perspective of the user U, the processing of the payment server 100 also seems to be executed by the terminal device 10. That is, from another perspective, it can be said that the terminal device 10 includes the payment server 100.

[0240] Also, in the above embodiment, when the terminal device 10 displays a list of prepaid cards held by the user U, the prepaid cards held by the user U may be sorted (reordered) in descending order of usage frequency or in ascending order of expiration date at any time. Alternatively, the terminal device 10 may sort (reorder) the prepaid cards held by the user U according to the operation of the user U.

[0241] Also, in the above embodiment, when the terminal device 10 displays a list of prepaid cards held by the user U, only the prepaid cards that meet a predetermined condition selected and designated by the user U among the prepaid cards held by the user U may be displayed.

[0242] In addition, in the above-described embodiment, the user U may further present the prepaid card presented by another user to another user as a gift. That is, once the prepaid card presented by another person becomes a prepaid card held by the user U, the user U can freely present it as a gift to another user as the prepaid card held by the user U thereafter.

[0243] In addition, in the above-described embodiment, the prepaid card limited to franchise stores is only an example. Actually, the prepaid card may be managed in association with a specific use instead of a franchise store.

[0244] [7. Effect] As described above, the settlement server 100 according to the present application includes a reception unit 138 that receives a captured image including card identification information printed on a prepaid card from the terminal device 10, and a transfer unit 139 that transfers the balance of the prepaid card corresponding to the card identification information to the prepaid card balance that can be used for settlement using the terminal device 10.

[0245] In addition, the transfer unit 139 transfers the balance of the prepaid card to the prepaid card balance associated with the user identification information of the user U who uses the terminal device 10.

[0246] In addition, when the transfer unit 139 transfers the balance of the prepaid card, it notifies the management device that manages the prepaid card of the completion of the transfer of the balance of the prepaid card.

[0247] In addition, the transfer unit 139 transfers the balance of the prepaid card to the prepaid card balance with a limited use, which is set separately from the balance without limiting the use.

[0248] In addition, when the prepaid card balance corresponding to the prepaid card is set, the transfer unit 139 transfers the balance of the prepaid card to the prepaid card balance for which the balance of the prepaid card is set.

[0249] Further, when no prepaid card balance corresponding to the prepaid card is set in the transfer unit 139, a new prepaid card balance is set, and the balance of the prepaid card is transferred to the new prepaid card balance.

[0250] Further, when the transfer unit 139 receives a captured image including card identification information from the terminal device 10, the balance of the prepaid card is transferred to the common prepaid card balance.

[0251] Further, the reception unit 138 receives a captured image captured via an application that provides settlement using the terminal device 10.

[0252] Further, the reception unit 138 receives a notification in response to an inquiry about the balance of the prepaid card corresponding to the card identification information from the management device that manages the prepaid card.

[0253] By any one or combination of the above-described processes, when there are a plurality of available prepaid cards, the settlement server 100 according to the present application can automatically select which one to use for settlement, thereby improving the convenience for the user U.

[0254] Further, from another perspective, the settlement server 100 according to the present application includes an acquisition unit 131 that acquires a settlement history of a plurality of balances available to the user U who uses the terminal device 10 when settlement using the terminal device 10 is performed, a selection unit 140 that selects a balance to be settled from the plurality of balances based on the settlement history, and a settlement processing unit 135 that performs a settlement process using the selected balance to be settled.

[0255] Further, the selection unit 140 selects a prepaid card balance with a large number of settlement times indicated by the settlement history from the plurality of prepaid card balances.

[0256] Further, the selection unit 140 selects a prepaid card balance with a large total settlement amount indicated by the settlement history from the plurality of prepaid card balances.

[0257] Further, the selection unit 140 selects the prepaid card balance for which the most recent payment indicated by the payment history is made from among a plurality of prepaid card balances.

[0258] Further, the selection unit 140 selects the prepaid card balance with the largest remaining amount indicated by the payment history from among a plurality of prepaid card balances.

[0259] Further, the selection unit 140 selects the prepaid card balance with the expiration date closest to the current date indicated by the payment history from among a plurality of prepaid card balances.

[0260] By any one or combination of the above-described processes, the payment server 100 according to the present application can collectively execute the management of the complicated physical prepaid card PC, thereby improving the convenience for the user U. Further, when it is desired to hold the physical prepaid card PC, it can also be used in combination with the electronic prepaid card, thereby providing a usage method that matches the intention of the user U.

[0261] From another perspective, the payment server 100 according to the present application includes an acquisition unit 131 that acquires a payment history of the balance used for payment using a terminal device, and based on the payment history, when the value of the balance is insufficient for the payment, or when the value of the balance after the payment becomes equal to or less than a predetermined threshold value, a display unit 141 that displays candidate information regarding corresponding actions that can be selected by the user U who uses the terminal device 10.

[0262] Further, when the value of the prepaid card balance is insufficient for the payment, the display unit 141 displays candidate information that proposes a payment process of charging the prepaid card balance from the balance for payment using the terminal device 10.

[0263] Further, when the value of the prepaid card balance is insufficient for the payment, the display unit 141 displays candidate information that proposes a payment process of using the balance for payment using the terminal device 10.

[0264] In addition, when the total amount of the prepaid card balance value and the settlement balance value is insufficient for the settlement, the display unit 141 displays candidate information for allowing the user U to select which of the prepaid card balance and the settlement balance to charge for the settlement process.

[0265] In addition, when the value of the prepaid card balance after the settlement becomes equal to or less than a predetermined threshold, the display unit 141 displays candidate information for allowing the user U to select whether to transfer the value of the prepaid card balance to the settlement balance.

[0266] In addition, when the value of the prepaid card balance after the settlement becomes equal to or less than a predetermined threshold, the display unit 141 displays candidate information for presenting to the user U the transaction targets that can be purchased with the value of the prepaid card balance.

[0267] In addition, when the value of the prepaid card balance after the settlement becomes equal to or less than a predetermined threshold, the display unit 141 displays candidate information for presenting to the user U the donation destination of the value of the prepaid card balance.

[0268] In addition, when the value of the prepaid card balance becomes 0, the display unit 141 displays candidate information for allowing the user U to select whether to discard the prepaid card balance.

[0269] By any one or a combination of the above-described processes, the settlement server 100 according to the present application can organize prepaid cards that are not being used or have a balance of 0, thereby improving the convenience for the user U.

[0270] 〔8. Hardware Configuration〕 Further, the terminal device 10 and the settlement server 100 according to the above-described embodiment are realized by a computer 1000 configured as shown in FIG. 18, for example. Hereinafter, the settlement server 100 will be described as an example. FIG. 18 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output I / F (Interface) 1060, an input I / F 1070, and a network I / F 1080 are connected by a bus 1090.

[0271] The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, etc., and executes various processes. The arithmetic unit 1030 is realized by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like.

[0272] The primary storage device 1040 is a memory device that primarily stores data used by the arithmetic unit 1030 for various operations, such as a RAM (Random Access Memory). Further, the secondary storage device 1050 is a storage device in which data used by the arithmetic unit 1030 for various operations and various databases are registered, and is realized by a ROM (Read Only Memory), an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, or the like. The secondary storage device 1050 may be an internal storage or an external storage. Further, the secondary storage device 1050 may be a removable storage medium such as a USB memory or an SD (Secure Digital) memory card. Further, the secondary storage device 1050 may be a cloud storage (online storage), a NAS (Network Attached Storage), a file server, or the like.

[0273] The output I / F 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information such as a display, a projector, and a printer. For example, it is realized by connectors of standards such as USB (Universal Serial Bus), DVI (Digital Visual Interface), and HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input I / F 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, a keypad, buttons, and a scanner, and is realized by, for example, USB or the like.

[0274] Also, the output I / F 1060 and the input I / F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, the output device 1010 and the input device 1020 may be wireless devices.

[0275] Also, the output device 1010 and the input device 1020 may be integrated like a touch panel. In this case, the output I / F 1060 and the input I / F 1070 may also be integrated as an input / output I / F.

[0276] Note that the input device 1020 may be a device that reads information from an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0277] The network I / F 1080 receives data from other devices via the network N and sends it to the arithmetic unit 1030, and also sends data generated by the arithmetic unit 1030 via the network N to other devices.

[0278] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output I / F 1060 and the input I / F 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0279] For example, when the computer 1000 functions as the settlement server 100, the arithmetic unit 1030 of the computer 1000 realizes the functions of the control unit 130 by executing the program loaded onto the primary storage device 1040. Further, the arithmetic unit 1030 of the computer 1000 may load a program acquired from another device via the network I / F 1080 onto the primary storage device 1040 and execute the loaded program. Further, the arithmetic unit 1030 of the computer 1000 may cooperate with another device via the network I / F 1080 and call and use the functions and data of the program from another program of another device.

[0280] [9. Others] As described above, the embodiments of the present application have been described, but the present invention is not limited by the contents of these embodiments. Further, the above-described components include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those within the so-called equivalent range. Furthermore, the above-described components can be combined as appropriate. Furthermore, various omissions, substitutions, or changes of the components can be made without departing from the gist of the above-described embodiments.

[0281] Also, among the respective processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, or all or part of the processes described as being manually performed can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

[0282] In addition, each component of each illustrated device is conceptually functional and does not necessarily have to be physically configured as shown in the figures. That is, the specific form of distribution and integration of each device is not limited to that shown in the figures, and all or part of it can be functionally or physically distributed and integrated in any unit according to various loads, usage situations, etc.

[0283] For example, the above-described settlement server 100 may be implemented by a plurality of server computers, and depending on the function, the configuration can be flexibly changed, such as by calling an external platform or the like using an API (Application Programming Interface) or network computing.

[0284] In addition, the above-described embodiments and modified examples can be appropriately combined as long as the processing contents do not conflict.

[0285] In addition, the above-described "section, module, unit" can be read as "means", "circuit", etc. For example, the acquisition section can be read as an acquisition means or an acquisition circuit.

Explanation of Reference Numerals

[0286] 1 Information processing system 10 Terminal device 100 Settlement server 110 Communication section 120 Storage section 121 User information database 122 History information database 123 Card information database 124 Settlement information database 130 Control section 131 Acquisition section 132 Issuance section 133 Setting section 134 Management section 135 Settlement processing section 136 Estimation section 137 Provision section 138 Reception section 139 Transfer section 140 Selection section 141 Display section

Claims

1. A management unit that individually manages a plurality of balances including the balance for settlement using the user's terminal device, which is a normal balance without limiting the usage, and the balance for settlement using the terminal device, which is the balance of an electronic prepaid card with a limited usage, in the user's account; An acquisition unit that acquires a settlement history of the plurality of balances available to the user who uses the terminal device via an application that provides a settlement service for performing settlement using the terminal device. When receiving a notification of user identification information for identifying the user, settlement destination identification information for identifying the settlement destination, and a settlement amount, the settlement service deducts the electronic money corresponding to the settlement amount from the user's account corresponding to the user identification information and deposits the settlement amount into the account of the settlement destination corresponding to the settlement destination identification information; A selection unit that selects a balance to be settled from the plurality of balances based on the settlement history; A settlement processing unit that performs a settlement process using the selected balance to be settled via the application; An information processing apparatus comprising the above.

2. The information processing apparatus according to claim 1, further comprising an issuing unit that issues the electronic prepaid card.

3. The selection unit selects the balance of the electronic prepaid card with a higher number of settlement times indicated by the settlement history from the balances of the plurality of electronic prepaid cards.

4. The selection unit selects the balance of the electronic prepaid card with a higher total settlement amount indicated by the settlement history from the balances of the plurality of electronic prepaid cards.

5. The selection unit selects the balance of the electronic prepaid card for which the most recent settlement was made, as indicated by the settlement history, from the balances of the plurality of electronic prepaid cards.

6. The selection unit selects the balance of the electronic prepaid card with a higher remaining amount indicated by the settlement history from the balances of the plurality of electronic prepaid cards.

7. The selection unit selects the balance of the electronic prepaid card with an expiration date approaching, as indicated by the settlement history, from the balances of the plurality of electronic prepaid cards.

8. The selection unit selects the balance of the electronic prepaid card with a higher remaining amount indicated by the settlement history from the balances of the plurality of electronic prepaid cards.

9. The selection unit selects the balance of the electronic prepaid card with an expiration date approaching, as indicated by the settlement history, from the balances of the plurality of electronic prepaid cards.

10. ​ ​ The issuing unit issues the electronic prepaid card for each affiliated store, and the management unit individually manages the remaining balance of the electronic prepaid card for each affiliated store. The information processing apparatus according to any one of claims 2 to 7, characterized in that.

9. When the remaining balance of the selected electronic prepaid card to be settled is insufficient, the settlement processing unit charges the remaining balance of the electronic prepaid card with insufficient balance from the remaining balance of the settlement using the terminal device and performs the settlement processing. The information processing apparatus according to claim 8, characterized in that.

10. When the remaining balance of the selected electronic prepaid card to be settled is insufficient, the settlement processing unit performs the settlement processing using the remaining balance of the settlement using the terminal device. The information processing apparatus according to claim 8, characterized in that.

11. An information processing method executed by a computer, a management step of individually managing a plurality of remaining balances including the remaining balance of a settlement using a user's terminal device, which is a normal remaining balance without limiting the use, and the remaining balance of a settlement using the terminal device, which is the remaining balance of an electronic prepaid card with a limited use, in the user's account; an acquisition step of acquiring a settlement history of the plurality of remaining balances available to the user who uses the terminal device via an application that provides a settlement service that performs a settlement using the terminal device, and when receiving a notification of user identification information for identifying the user, settlement destination identification information for identifying the settlement destination, and a settlement amount, withdraws the electronic money corresponding to the settlement amount from the user's account corresponding to the user identification information and deposits the settlement amount into the account of the settlement destination corresponding to the settlement destination identification information; a selection step of selecting a remaining balance to be settled from the plurality of remaining balances based on the settlement history; a settlement processing step of performing a settlement process using the remaining balance selected as the settlement target via the application; An information processing method characterized by including.

12. A management procedure for individually managing a plurality of remaining balances including the remaining balance of a settlement using a user's terminal device, which is a normal remaining balance without limiting the use, and the remaining balance of a settlement using the terminal device, which is the remaining balance of an electronic prepaid card with a limited use, in the user's account; A payment service that performs payments using the terminal device, and when receiving notifications of user identification information for identifying the user, payment destination identification information for identifying the payment destination, and the payment amount, withdraws the electronic money corresponding to the payment amount from the account of the user corresponding to the user identification information, and deposits the payment amount into the account of the payment destination corresponding to the payment destination identification information. An acquisition procedure for acquiring the payment history of the plurality of balances available to the user who uses the terminal device through an application that provides the payment service; A selection procedure for selecting a balance to be settled from the plurality of balances based on the settlement history; A payment processing procedure for performing payment processing using the selected balance to be settled through the application; An information processing program characterized by causing a computer to execute the above.

Images