Information processing system, information processing device, information processing method, and program

Abstract

Users can check and specify the accounting attributes of the transaction details themselves early after using cashless payment, reducing the burden of journal entry work in regular accounting procedures. [Solution] The system comprises an authentication unit 131 that generates authentication success information indicating successful authentication of cashless payment usage, a sales management unit 132 that generates accounting information regarding usage, a notification unit 134 that sends a push notification of the accounting information to a first user terminal 200 in response to the generation of the authentication success information, and an accounting UI unit 135 that displays, in the first user terminal 200, the selection state of a first accounting item for which either expense use or non-expense use is selected as the accounting item, and / or a second accounting item for which either qualified invoice or non-qualified invoice is selected, in a switchable manner, and acquires a confirmation request to confirm the selection state, and the notification unit 134 sends a reminder if a predetermined period has passed since the time the accounting information was generated without a confirmation request being acquired.

Description

[Technical Field]

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

[0002] For many businesses, including small and medium-sized enterprises and sole proprietors, complex financial accounting practices pose a major challenge to focusing on their core business. Rapid and accurate accounting procedures are essential for accurately understanding business conditions and making quick management decisions, but due to a lack of specialized knowledge and personnel, it is not easy to complete everything in-house. For this reason, many businesses actively utilize the specialized support provided by accounting firms. However, the current data exchange between accounting firms and businesses is often inefficient, with data being exchanged in different formats and data entry work being done on each system, resulting in a significant amount of time and effort on both sides.

[0003] For example, Patent Document 1 describes a technology that unifies operability so that accounting firms can import various data from their clients and check for data deficiencies with simple operations from a single integrated screen, and that creates and integrates a menu of practical operations from data import, audits, creation of accounting statements, settlement and reporting processing, tax returns, etc. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2020-166818 Summary of the Invention [Problem to be solved by the invention]

[0005] Incidentally, there are cases where sole proprietors and small business owners use a single credit card for both business and personal use, with expenses covered under the same card. In such cases, to ensure accurate bookkeeping and tax reporting, accounting firms receive credit statements from their clients on a regular basis, for example, monthly, for a specified period, and then appropriately separate business transactions from personal expenditures in accounting software or other systems, performing accounting procedures such as journal entries.

[0006] However, this type of follow-up processing poses the following challenges: (1) Misclassification due to vague memory: Because there is a gap between the transaction and processing, the user may not be able to accurately recall the details of the transaction, which runs the risk of the transaction being misclassified or processed as unclassified. (2) Increased burden on accounting firms: When accounting firms book-enter the card details sent by users, they are unable to determine whether each transaction is personal or expense, and ultimately must confirm with the user individually, placing a heavy processing burden. (3) Complicated compliance with the invoice system: It is difficult to verify whether a transaction meets the requirements for a qualified invoice based on the details alone, and separate receipts must be submitted and verified, which is cumbersome.

[0007] As such, the lack of a means to instantly confirm and specify the nature of a transaction (personal / expense, eligible / ineligible) immediately after using a card is hindering the efficiency and accuracy of accounting procedures.

[0008] Therefore, the present disclosure aims to provide an information processing system, information processing device, information processing method, and program that enable users to confirm and specify the accounting attributes of transaction details themselves early after using cashless payment, thereby reducing the burden of journal entry work in regular accounting tasks. [Means for solving the problem]

[0009] The information processing system of the present invention is an information processing system that processes cashless payment usage information, and comprises: an authentication unit that performs authentication for a first user's cashless payment usage and generates authentication success information indicating the success of the authentication; a sales management unit that generates and stores journal information including accounting journal items related to the usage in accordance with the generation of the authentication success information; a notification unit that sends a push notification of the journal information to the first user terminal of the first user in accordance with the generation of the authentication success information; and a journal UI unit that displays, in the journal information displayed on the first user terminal in response to the push notification, a selection state of a first journal item in which either expense use or non-expense use is selected as the journal item, and / or a second journal item in which either qualified invoice or non-qualified invoice is selected, in a switchable manner, and acquires a confirmation request to confirm the selection state by operation of the first user, and if a predetermined period has passed since the time the journal information was generated without the confirmation request being acquired, the notification unit notifies the first user terminal of the journal information for which the confirmation request has not been acquired.

[0010] The information processing device of the present invention is an information processing device that processes cashless payment usage information, and comprises: an authentication unit that performs authentication for a first user's cashless payment usage and generates authentication success information indicating the success of the authentication; a sales management unit that generates and stores journal information including accounting journal items related to the usage in accordance with the generation of the authentication success information; a notification unit that sends a push notification of the journal information to the first user terminal of the first user in accordance with the generation of the authentication success information; and a journal UI unit that displays, in the journal information displayed on the first user terminal in response to the push notification, a selection state of a first journal item in which either expense use or non-expense use is selected as the journal item, and / or a second journal item in which either qualified invoice or non-qualified invoice is selected, and acquires a confirmation request to confirm the selection state by operation of the first user, and if a predetermined period has passed since the time the journal information was generated without the confirmation request being acquired, the notification unit notifies the first user terminal of the journal information for which the confirmation request has not been acquired.

[0011] In addition, an information processing method according to the present invention is an information processing method executed by an information processing device that processes cashless payment usage information, and includes the steps of: performing authentication of a first user's use of cashless payment and generating authentication success information indicating the success of the authentication; generating and storing journal information including accounting journal entries related to the use in accordance with the generation of the authentication success information; sending a push notification of the journal information to a first user terminal of the first user in accordance with the generation of the authentication success information; and displaying, in the journal information displayed on the first user terminal in response to the push notification, a selection state of a first journal entry in which either expense use or non-expense use is selected as the journal entry, and / or a second journal entry in which either qualified invoice or non-qualified invoice is selected as the journal entry, in a switchable manner, and acquiring a confirmation request to confirm the selection state through operation by the first user. In the step of sending the push notification, if a predetermined period has passed since the time the journal information was generated without the confirmation request being acquired, sending a reminder to the first user terminal about the journal information for which the confirmation request has not been acquired.

[0012] In addition, the program of the present invention is a program to be executed by a computer having a memory unit and a processing unit, and causes a computer that processes cashless payment usage information to execute the following steps: authenticate a first user's use of cashless payment and generate authentication success information indicating the success of the authentication; generate and store journal information including accounting journal entries related to the use in accordance with the generation of the authentication success information; send a push notification of the journal information to a first user terminal of the first user in accordance with the generation of the authentication success information; and display, in the journal information displayed on the first user terminal in response to the push notification, a selection state of a first journal entry in which either expense use or non-expense use is selected as the journal entry, and / or a second journal entry in which either qualified invoice or non-qualified invoice is selected as the journal entry, in a switchable manner, and acquire a confirmation request to confirm the selection state by operation of the first user.The step of sending the push notification notifies the first user terminal of a reminder about the journal information for which the confirmation request has not been acquired if a predetermined period has passed since the time the journal information was generated and the confirmation request has not been acquired. [Effects of the Invention]

[0013] According to one aspect of the present disclosure, an information processing system, an information processing device, an information processing method, and a program can be provided that allow a user to confirm and specify the accounting attributes of a transaction at an early stage after using cashless payment, thereby reducing the burden of journal entry work in regular accounting tasks. [Brief explanation of the drawings]

[0014] [Figure 1] 1 is a schematic diagram illustrating an information processing system according to an embodiment of the present invention. [Figure 2] FIG. 1 is a diagram showing an overview of a credit card payment process according to an embodiment of the present invention. [Figure 3] FIG. 2 is a functional block diagram of a credit management server according to an embodiment of the present invention. [Figure 4]FIG. 2 is a functional block diagram of a user terminal according to an embodiment of the present invention. [Figure 5] FIG. 2 is a functional block diagram of an accounting software server according to an embodiment of the present invention. [Figure 6] 4 is a flowchart showing a first process performed by the information processing system according to the embodiment of the present invention. [Figure 7] 10 is a flowchart showing a second process performed by the information processing system according to the embodiment of the present invention. [Figure 8] FIG. 10 is a diagram showing a specific example of a screen displayed on a user terminal according to an embodiment of the present invention. [Figure 9] FIG. 10 is a diagram showing a specific example of a screen displayed on a user terminal according to an embodiment of the present invention. [Figure 10] FIG. 10 is a diagram showing a specific example of a screen displayed on a user terminal according to an embodiment of the present invention. [Figure 11] FIG. 1 is a block diagram showing the basic configuration of a computer. [Figure 12] FIG. 10 is a diagram showing a specific example of a screen displayed on a user terminal according to an embodiment of the present invention. [Figure 13] FIG. 10 is a diagram showing an overview of electronic money payment processing according to another embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0015] Hereinafter, an information processing system 1 according to an embodiment of the present invention will be described with reference to the drawings. In all drawings describing the embodiment, common components are denoted by the same reference numerals, and repeated description will be omitted.

[0016] <System configuration> FIG. 1 is a schematic diagram showing an information processing system 1 according to an embodiment of the present invention. The information processing system 1 is a system that processes usage information of cashless payments. Cashless payments include payments using credit cards, debit cards, electronic money, two-dimensional codes, etc. Here, the following explanation uses credit card payments as an example.

[0017] The information processing system 1 comprises a credit card company server 100, a first user terminal 200, a second user terminal 300, and an accounting software server 400. In the system configuration example shown in FIG. 1, only one of each of the credit card company server 100, the first user terminal 200, the second user terminal 300, and the accounting software server 400 is shown, but there may be more than one. The credit card company server 100, the first user terminal 200, the second user terminal 300, and the accounting software server 400 are connected to a network NW and can communicate with each other via the network NW. The network NW includes the Internet. The network NW may include a LAN (Local Area Network) and / or a WAN (Wide Area Network).

[0018] The credit card company's server 100, first user terminal 200, second user terminal 300, and accounting software server 400 are each information processing devices made up of one or more computers 900. The basic configuration of the computer 900 will be described later.

[0019] The credit card company's server 100 is a server that performs processing to provide a first user with a credit card payment service as a cashless payment. The credit card company's server 100 also provides and manages interfaces such as applications (hereinafter simply referred to as apps), software (hereinafter simply referred to as software), and web pages that can provide information about the use of the credit card payment service and perform some procedures to first user terminals 200 used by multiple first users who access the credit card company's server via the network NW.

[0020] The first user is a business operator (hereinafter simply referred to as the business operator). Business operators include, for example, companies, corporations, individuals (such as managers) belonging to these companies, and sole proprietors. The first user acquires a credit settlement service account (hereinafter simply referred to as the credit account ID) in advance and uses a physical or virtual credit card for payment. In this embodiment, the first user is assumed to have installed and use a dedicated app for the credit settlement service (hereinafter simply referred to as the credit app) on the first user terminal 200.

[0021] 2 is a diagram showing an overview of credit card payment processing according to an embodiment of the present disclosure. As shown in FIG. 2, credit card payments are classified into "real-time payments" where payments are made as they are made, and "recurring payments" where payments are made periodically.

[0022] Real-time payment includes an authorization authentication phase and a sales booking phase. In the authorization authentication phase of real-time payment, a credit request is first made when a customer uses a service or product at a member store. Next, a credit decision is made based on this request, and approval is obtained. Once approval is complete, authorization information is generated, and the customer's credit card or other available credit limit is temporarily secured. In this disclosure, accounting information, which will be described later, is also generated, and a push notification regarding the accounting information is sent to the customer's device.

[0023] In the sales recording phase of real-time payment, a sales confirmation notification is received from the affiliated store. Based on this notification, primary sales information is generated and the invoice to the customer is confirmed. Finally, the payment to the affiliated store is processed.

[0024] Recurring payments include a recurring authentication phase. In the recurring authentication phase, authorization is first performed at the time of the first payment, and card information is registered as payment information. After that, sales are recorded based on periodic billing instructions from the affiliated store. At this time, secondary sales information is generated, but unlike real-time payments, the process of generating authorization information each time a charge is made may not be performed.

[0025] Real-time payments and recurring payments include a common period usage statement generation phase. In the period usage statement generation phase, period usage statement information is generated by periodically summarizing and formatting the first sales information generated in the real-time settlement and the second sales information generated in the recurring settlement. The generated period usage statement information is provided to the customer by means of a website, a dedicated application, or by mail.

[0026] In an embodiment of the present disclosure, processes are included in which reminder notices regarding journal information are automatically sent to customers between each phase, and generated period usage details are automatically sent.

[0027] Returning to FIG. 1, the description of the information processing system 1 will continue. The first user terminal 200 is a terminal device used by a business operator. The second user terminal 300 is a terminal device used by an entity that provides professional services related to taxation and accounting, such as an accounting firm, a tax accountant corporation, a tax accountant office, etc. (hereinafter simply referred to as an accounting firm.) In this embodiment, the second user (accounting firm) provides professional services related to taxation and accounting to the first user (business operator). The functional configurations of the first user terminal 200 and the second user terminal 300 will be described later.

[0028] The accounting software server 400 is a server that provides and manages an interface for accounting software to users who access it via the network NW. In this embodiment, the accounting software server 400 provides cloud-based accounting software to the first user terminal 200 and the second user terminal 300, and the second user can view and use the accounting information registered by the first user for tax accounting processing. Accounting software is a tool that works in conjunction with bank accounts and credit cards to manually or automatically import a business's daily usage and transaction data, and then uses AI (Artificial Intelligence) to semi-automatically or fully automate accounting entries and bookkeeping, thereby assisting in the preparation of financial statements and tax returns. The accounting software also provides a function that efficiently shares accounting data of the first user (the client business) with the second user (the accounting firm), allowing the accounting firm to grasp the client's financial situation in real time and provide bookkeeping and tax return support.

[0029] 3 is a functional block diagram of the credit card company's server 100 according to the embodiment of the present invention. The credit card company's server 100 comprises a communication unit 110, a storage unit 120, and a processing unit .

[0030] The communication unit 110 is a network interface that communicates with the first user terminal 200, the second user terminal 300, and the accounting software server 400 via the network NW. The communication unit 110 passes data received from the first user terminal 200, the second user terminal 300, and the accounting software server 400 to the processing unit 130, and also transmits data generated by the processing unit 130 to the first user terminal 200, the second user terminal 300, and the accounting software server 400.

[0031] The storage unit 120 is configured using a storage device such as a magnetic hard disk or a semiconductor storage device. The storage unit 120 stores various information required for the credit card company's server 100 to function. The storage unit 120 stores, for example, an application program 121, a database 122 that manages user account information, information related to credit card payments, etc. The storage unit 120 may be provided outside the credit card company's server 100 so as to be able to communicate with it.

[0032] The processing unit 130 includes, as functional units, an authentication unit 131, a sales management unit 132, a linking unit 133, a notification unit 134, and an accounting UI unit 135. Note that UI is an abbreviation for User Interface. The processing unit 130 executes an application program 121 stored in the storage unit 120, thereby realizing each of these functional units and executing at least some of the steps of the first process and the second process. Details of the first process and the second process will be described later.

[0033] The authentication unit 131 detects the use of cashless payment by the first user. For example, when the first user uses a credit card owned by the first user as a means of payment for purchasing goods, services, etc. of a predetermined amount at a physical store or an internet shopping site, payment request information (corresponding to the credit request in FIG. 2) related to the payment is sent to the credit server 100 via the network NW, and the use is detected. The payment request information includes a payment request ID that uniquely identifies the use, the first user's credit account ID, the payee, the payment amount, and the payment date and time.

[0034] The authentication unit 131 performs authentication for the first user's use of cashless payment based on the payment request information. This authentication includes confirming whether the first user is using the card (Authentication) and whether the card is valid and has available funds, etc., and is in a state where payment can be made (Authorization).

[0035] If the authentication is successful, the authentication unit 131 generates authentication history information and authentication success information (corresponding to the authorization information in Figure 2) indicating the success of the authentication, and stores them in the storage unit 120. The authentication history information includes the first user's credit account ID, payment request information, and authentication date and time. The authentication success information includes the first user's credit account ID and a usage ID that uniquely identifies the authenticated usage. The usage ID may be a payment request ID.

[0036] In response to the generation of the authentication success information, the sales management unit 132 generates journal information based on the authentication success information, including accounting journal items related to the first user's credit payment use, and stores the information in the storage unit 120. The journal information includes the first user's credit account ID, usage ID, payee, payment amount, payment date and time, journal item, and confirmation flag. The journal information includes, as journal items, a first journal item for selecting either expense use (also referred to as business use in the figure) or non-expense use (also referred to as private use in the figure), and a second journal item for selecting either qualified invoice or unqualified invoice. The confirmation flag can be in two states, on or off, and its initial value is off. A qualified invoice is a "means for a seller to communicate the exact applicable tax rate and consumption tax amount to a buyer," and refers to an invoice, delivery note, or similar document that contains certain information. A non-qualified invoice is one that does not meet the requirements for a qualified invoice.

[0037] The sales management unit 132 generates journal information by including either "expense use" or "non-expense use" as the initial value. The sales management unit 132 generates journal information by including either "qualified invoice" or "unqualified invoice" as the initial value. In this embodiment, it is assumed that "expense use" is set as the initial value for the first journal item, and "qualified invoice" is set as the initial value for the second journal item.

[0038] The sales management unit 132 updates the journal information in response to a confirmation request, which will be described later.

[0039] The sales management unit 132 generates sales information for the first user's credit card payment usage based on the confirmation of sales and stores the sales information in the storage unit 120. The sales information includes the usage ID and accounting information for the usage. The sales management unit 132 generates period usage detail information consisting of sales information for one or more credit card payment usages by the first user that occurred during a first predetermined period and stores the information in the storage unit 120. In response to an operation by the first user, the sales management unit 132 outputs the first user's period usage detail information for the first predetermined period to the first user terminal 200 in a file format that can be handled by spreadsheet software, such as CSV format. The first predetermined period may be preset by the system, for example, by month, or may be arbitrarily specified by the first user.

[0040] The linking unit 133 links the first user's accounting information stored in the storage unit 120 to an accounting management service (external accounting processing system) provided by the accounting software server 400 used by the first user. Linking may be, for example, API (Application Programming Interface) linking. This allows the accounting software server 400 to refer to or obtain the latest information on the accounting information for the first user's credit card payment usage at any time. In addition, a second user can access the accounting software server 400 to view or obtain the first user's accounting information.

[0041] In response to the generation of the authentication success information, the notification unit 134 sends a push notification of the journal information of the first user for which the authentication success information was generated to the first user terminal 200 of the first user. Specifically, in the case of credit card payment, it is desirable to send the push notification immediately after or as soon as possible after authorization is successful.

[0042] When a second predetermined period has elapsed since the time the journal information was generated without a confirmation request being acquired, the notification unit 134 notifies the first user terminal 200 of a reminder about the journal information of the use for which a confirmation request has not been acquired. The second predetermined period may be set in advance on the system side, and may be set multiple times, for example, 10 minutes later, 1 hour later, the night of the same day, or 3 days later. The first user may also be able to specify the second predetermined period at their own discretion.

[0043] When the notification unit 134 acquires a confirmation request for the journalization information, it may notify the second user terminal 300 of the second user of that fact.

[0044] The notification unit 134 periodically provides the period usage statement information to the first user and the second user. Periodically means, for example, monthly or weekly, and can be specified by the first user or the second user. For example, the notification unit 134 may automatically send a message including the period usage statement information to the address of the second user specified by the first user every month. This allows the credit app to automatically send the period usage statement information to the second user on a regular basis.

[0045] The journalizing UI unit 135 displays the journalizing UI on the first user terminal 200 in response to the first user's operation in response to the push notification. The journalizing UI unit 135 displays each journal item of the journal information for each use in the journalizing UI. The journalizing UI unit 135 displays the selection state of either expense use or non-expense use for the first journal item, and / or either qualified invoice or non-qualified invoice for the second journal item in a switchable manner, and accepts an operation from the first user to switch the selection state. The journalizing UI unit 135 acquires a confirmation request to confirm the selection state of the first journal item and the second journal item through the operation of the first user, and stores it in the memory unit 120.

[0046] FIG. 4 is a functional block diagram of the first user terminal 200 and the second user terminal 300 according to the embodiment of the present invention. The first user terminal 200 includes a communication unit 210, a storage unit 220, a control unit 230, a display unit 240, and an operation unit 250. The communication unit 210, the storage unit 220, the control unit 230, the display unit 240, and the operation unit 250 are electrically connected to one another via a communication bus 260. The second user terminal 300 includes a communication unit 310, a storage unit 320, a control unit 330, a display unit 340, and an operation unit 350. The communication unit 310, the storage unit 320, the control unit 330, the display unit 340, and the operation unit 350 are electrically connected to one another via a communication bus 360. The first user terminal 200 and the second user terminal 300 are, for example, a smartphone, a tablet terminal, a PC, or the like.

[0047] 5 is a functional block diagram of the accounting software server 400 according to the embodiment of the present invention. The accounting software server 400 includes a communication unit 410, a storage unit 420, and a processing unit 430.

[0048] The communication unit 410 is a network interface, and communicates with the credit card company's server 100, the first user terminal 200, and the second user terminal 300 via the network NW. The communication unit 110 passes data received from the credit card company's server 100, the first user terminal 200, and the second user terminal 300 to the processing unit 130, and also transmits data generated by the processing unit 130 to the credit card company's server 100, the first user terminal 200, and the second user terminal 300.

[0049] The storage unit 420 is configured using a storage device such as a magnetic hard disk or semiconductor storage device. The storage unit 420 stores an application program 421 and a transaction information database 422. The storage unit 420 may be located external to the accounting software server 400 so that it can communicate with the system. The transaction information database 422 stores, for each user, transaction-related information obtained from the user and information generated based on that information.

[0050] The processing unit 430 includes a functional unit, a transaction information management unit 431. The processing unit 430 executes application programs 421 stored in the storage unit 420, thereby realizing each of these functional units.

[0051] The transaction information management unit 431 obtains the first user's usage details from the first user terminal 200 and stores them in the transaction information database 422 in the storage unit 420, linking them to the first user's user ID. The first user can log in to the accounting software and upload period usage detail information output from the credit app, or the credit app and accounting software can be linked via API so that the accounting software can automatically obtain period usage detail information from the credit app.

[0052] The transaction information management unit 431 shares the first user's journalization information stored in the storage unit 420 with the second user terminal 300 used by the second user so that it can be viewed and acquired.

[0053] <System Operation> Next, the operations of the first process and the second process of the information processing system 1 having the above-described configuration and functions will be described using flowcharts.

[0054] 6 is a flowchart showing a first process performed by the information processing system 1 according to an embodiment of the present invention. The first process is a process for acquiring and updating journal information from a first user regarding the first user's use of credit card payment.

[0055] In step S101, the authentication unit 131 of the credit card company's server 100 detects the first user's use of credit card payment.

[0056] In step S102, the authentication unit 131 of the credit card company's server 100 executes authentication for the credit card payment detected in step S101. Here, the explanation will continue assuming that the authentication is successful.

[0057] In step S103, the sales management unit 132 of the credit card company's server 100 generates accounting information for the credit card payment use of the first user who was successfully authenticated in step S102, and stores it in the storage unit 120.

[0058] In step S104, the notification unit 134 of the credit card company's server 100 sends a push notification regarding the journal information generated in step S103 to the first user terminal 200. The first user terminal 200 receives and displays the push notification. The first user can select (tap, click, etc.) the push notification on the first user terminal 200. The push notification includes a usage ID for the journal information. It is desirable that the push notification be sent and received as soon as possible after the journal information is generated in step S103, and ideally immediately afterwards.

[0059] In step S105, the first user terminal 200 transmits a display request for the journal information linked to the push notification to the credit card company's server 100 in response to the operation (selection) of the first user in response to the push notification on the first user terminal 200. The credit card company's server 100 receives the display request. The display request includes the usage ID.

[0060] In step S106, the journalizing UI unit 135 of the credit card company's server 100 displays, on the first user terminal 200, details of the journalizing information identified by the usage ID included in the display request acquired in step S105, and provides a journalizing UI that allows the first user to switch and confirm the selection states of the first journal item and the second journal item of the journalizing information through operation. The first user terminal 200 displays the journalizing UI. Specific examples of the journalizing UI will be described later.

[0061] In step S107, the first user terminal 200 accepts an operation by the first user on the journalizing UI provided to the first user terminal 200 in step S106, and transmits operation information indicating the content of the operation to the credit card company's server 100. The credit card company's server 100 receives the operation information from the first user terminal 200. The operation information can include a usage ID, a selection state of the first journalizing item, a selection state of the second journalizing item, and a confirmation request.

[0062] In step S108, the journalizing UI unit 135 of the credit card company's server 100 determines whether or not the operation information received in step S107 includes a confirmation request. If the determination result is true (YES), that is, if there is a confirmation request, the process proceeds to step S109. On the other hand, if the determination result is false (NO), that is, if there is no confirmation request, the process ends.

[0063] In step S109, the sales management unit 132 of the credit card company's server 100 updates and stores the first journal entry item and / or the second journal entry item of the journal entry information generated in step S103 based on the operation information received in step S107. Note that this step may be omitted if the selection states of the first journal entry item and the second journal entry item included in the operation information are the same as their initial values. In addition, the second user terminal 300 may be notified that the journal entry information has been updated.

[0064] In step S110, that is, if the operation information includes a confirmation request, the sales management unit 132 of the credit card server 100 changes the confirmation flag from off to on, associates it with the accounting information identified by the usage ID, stores it in the memory unit 120, and ends the flow.

[0065] Next, the operation of the second process of the information processing system 1 having the above-described configuration and functions will be described with reference to a flowchart.

[0066] 7 is a flowchart showing the second process by the information processing system 1 according to the embodiment of the present invention. The second process is a process for notifying the first user of a reminder when the journalization information has not been finalized.

[0067] In step S201, the notification unit 134 of the credit card company's server 100 determines whether a second predetermined period has elapsed since the generation of the journal information identified by the usage ID. If the determination result is true (YES), that is, the second predetermined period has elapsed, the process proceeds to step S202. On the other hand, if the determination result is false (NO), that is, the second predetermined period has not elapsed, step S201 is repeated.

[0068] In step S202, the notification unit 134 of the credit card company's server 100 refers to the storage unit 120 and determines whether the confirmation flag associated with the usage ID is on. If the determination result is true (YES), that is, if the confirmation flag is on, the flow ends. On the other hand, if the determination result is false (NO), that is, if the confirmation flag is off, the flow proceeds to step S203.

[0069] In step S203, the notification unit 134 of the credit card company's server 100 generates a reminder regarding the journal information identified by the usage ID, notifies the first user terminal 200 of the reminder, and then ends the flow.

[0070] The operation flows in the first and second processes described above are not limited to being performed separately and independently, but can be performed by combining two or more operation flows. For example, some steps in one operation flow may be added to another operation flow, or some steps in one operation flow may be replaced with some steps in another operation flow. In each flow, it is not necessary to perform all steps, and only some steps may be performed. Furthermore, the order of steps in each flow may be changed as appropriate.

[0071] <Screen example> Next, an example of a screen of the journalization UI provided to the first user terminal 200 in the information processing system 1 will be described.

[0072] Figures 8 to 10 are figures showing screens D100(A), D100(B), and D100(C), which are example screens of the journalizing UI displayed on the first user terminal 200 in the information processing system 1 relating to an embodiment of the present invention.

[0073] 8 and 9 are example screens of a credit application displayed on the first user terminal 200. Screen D100(A) is a screen that displays accounting information and is displayed by selecting a push notification in the first process.

[0074] At the top of screen D100(A) is an area D110 showing an overview of the first user's credit card. Area D110 shows the card name "Card" and the card's unique identification number.

[0075] Also, below area D110 on screen D100, area D120 showing details of the use linked to the journal information is arranged. Area D120 includes area D121 showing information on the payment date of the use, area D122 showing information on the payment amount, area D123 showing information on the payee, input area D124 where the first user can input text such as notes regarding the use, area D125(A) showing information on the first journal item of the journal information and capable of accepting switching operations, area D126(A) showing information on the second journal item of the journal information and capable of accepting switching operations, a save button D127 for sending the input contents, selection status, and confirmation request to the credit card server 100, and a horizontal line D128. The first user can close area D120 by swiping downward while touching the vicinity of horizontal line D128.

[0076] Areas D125(A) and D126(A) contain switches that can change the selection state of the first journal entry item and the second journal entry item, respectively. Additionally, in areas D125(A) and D126(A), text indicating the specific details of each selection state is displayed to the right of each switch. An icon indicating "Business" is located on the left side of the switch in area D125(A), and an icon indicating "Private" is located on the right side. An icon indicating "Qualified Invoice" is located on the left side of the switch in area D126(A), and an icon indicating an Unqualified Invoice is located on the right side. The first user can change the selection state by tapping, clicking, or sliding the slide portion of these switches.

[0077] In the example screen shown in FIG. 8, the initial values ​​when the journal information is generated are that the selection state of the first journal item is "business" and that of the second journal item is "qualified invoice."

[0078] The first user may select (click or tap) the save button 127 without changing the selection state (without changing the initial value) of the first journal item and the second journal item shown in Fig. 8. This allows the selection state of the first journal item and the second journal item to be fixed at the initial value.

[0079] In addition, the first user may switch the selection state of at least one of the first journal item and the second journal item shown in Fig. 8 (change the initial value) and select the save button 127. This allows the journal information to be finalized by reflecting the change in the selection state of the first journal item and the second journal item.

[0080] Figure 9 shows the state in which the selection state for both the first journal entry item and the second journal entry item has been switched from the state shown in Figure 8. In screen D100(B) shown in Figure 9, the selection state for the first journal entry item is "Private" and the selection state for the second journal entry item is "Non-qualified invoice."

[0081] 10 is an example of a screen of a credit application displayed on the first user terminal 200. Screen D100(C) is a screen showing period usage details information of the credit settlement of the first user.

[0082] Below area D110 on screen D100(C) is area D130, which displays period usage detail information. Above area D130 are area D131, which displays the period covered by the period usage detail information (first predetermined period), area D132, which displays the total amount of the period usage detail information, and a button D133 for outputting the period usage detail information as a CSV electronic file. Below area D132 in area D130 are areas D140, D150, D160, ..., which display summaries of each use included in the period usage detail information. For example, area D140 displays text or icons indicating the payee, payment amount, payment date, the selection status of the first journal entry item, and the selection status of the second journal entry item. The first user can open a screen showing the details of each individual use by selecting the area D140 for each use on the screen D100(C) of the credit card application. The screen showing the details of each individual use may be the same as the screen shown in FIG. 8, for example. The first user can also check the accounting information for each use and change the selection state from the period use detail information.

[0083] <Basic computer configuration> 11 is a block diagram showing the basic hardware configuration of a computer 900. The computer 900 has a control unit 901, a storage unit 902, a communication unit 903, an input unit 904, and an output unit 905. The control unit 901, the storage unit 902, the communication unit 903, the input unit 904, and the output unit 905 are electrically connected to one another via a communication bus 910.

[0084] The control unit 901 includes a CPU (Central Processing Unit, also called a processor), and is a device that controls each unit of the computer 900 and also reads and executes various programs stored in the storage unit 902.

[0085] The storage unit 902 includes a main storage device such as DRAM (Dynamic Random Access Memory) and an auxiliary storage device such as a hard disk, and is a device for storing the operating system of the computer 900, various programs for executing various applications, and data used by these programs. The processing shown in the above flowchart is realized by the control unit 901 of each of the computers constituting the credit card company server 100, first user terminal 200, and second user terminal 300 executing the programs stored in their respective storage units 902.

[0086] The communication unit 903 is a device for communicating with external devices, and transmits and receives data according to instructions from the control unit 901. Each of the computers constituting the credit card company server 100, the first user terminal 200, and the second user terminal 300 uses this communication unit 903 to communicate with other devices including the network NW shown in FIG.

[0087] The input unit 904 is a device that receives input from outside and supplies it to the control unit 901, and is configured to include, for example, a keyboard, a mouse, a touch panel, and a camera. The output unit 905 is a device that outputs the processing results of the control unit 901 to the outside, and is configured to include, for example, a display and a speaker.

[0088] <Program> Here, a program for realizing each functional unit of the credit card company's server 100 according to this embodiment will be described.

[0089] The credit card company's server 100 is implemented in a computer 900. The operation of each component of the credit card company's server 100 is stored in the form of a program in the auxiliary storage device of the storage unit 902. The control unit 901 reads the program from the auxiliary storage device of the storage unit 902, loads it into the main storage device of the storage unit 902, and executes the above-mentioned processing in accordance with the program. The control unit 901 also allocates a storage area corresponding to the above-mentioned storage unit 120 in the main storage device of the storage unit 902 in accordance with the program.

[0090] Specifically, the program is a program for causing a computer that includes a processor, a storage unit, and a processing unit to execute the program in a computer that processes cashless payment usage information, and the program includes the steps of: performing authentication of a first user's use of cashless payment and generating authentication success information indicating success of the authentication; generating and storing journal information including accounting journal entries related to the use in response to the generation of the authentication success information; transmitting a push notification of the journal information to a first user terminal of the first user in response to the generation of the authentication success information; In response to the notification, the journal information displayed on the first user terminal displays the selection state of a first journal item for which either expense use or non-expense use is selected as the journal item, and / or a second journal item for which either qualified invoice or non-qualified invoice is selected, in a switchable manner, and acquires a confirmation request to confirm the selection state through operation by the first user.The step of sending the push notification sends a reminder to the first user terminal about the journal information for which the confirmation request has not been acquired if a predetermined period has passed since the journal information was generated and the confirmation request has not been acquired.

[0091] The auxiliary storage device of storage unit 902 is an example of a non-transitory tangible medium. Other examples of non-transitory tangible media include a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, and a semiconductor memory connected via input unit 904. Furthermore, when this program is distributed to computer 900 via network NW, computer 900 that receives the program may load the program into the main storage device of storage unit 902 and execute the above-described processing.

[0092] The program may also be a program for realizing some of the above-described functions. Furthermore, the program may be a so-called differential file (differential program) that realizes the above-described functions in combination with another program already stored in the auxiliary storage device of the storage unit 902.

[0093] According to the information processing system 1 of the present embodiment described above, as soon as the first user uses a credit card payment, a push notification is sent to the first user to display an accounting UI that allows the first user to confirm the selection status of either expense use or non-expense use, and either qualified invoice or unqualified invoice, and the first user can change and confirm the selection status as necessary while understanding the details of the payment, etc. In addition, the first user can receive a reminder notification from the system if time passes without confirming the selection status, thereby preventing the selection status from being left unconfirmed. In addition, when the journal information is generated, the initial values ​​of the selection state of each journal item are stored and are also displayed on the journal UI, so if the first user is happy to leave the journal information at its initial value, they only need to perform the minimal action of selecting the Save button 127 once. In addition, the journal information is linked to external accounting software, and the second user can also view and obtain the journal information in the external accounting software.Furthermore, when the journal information is updated, the second user is notified of this, so the second user can quickly check the selection status via the external accounting software. In other words, users can check and specify the accounting attributes of the transaction details early after using cashless payment, reducing the burden of journal entry work in regular accounting procedures.

[0094] The present invention is not limited to the above-described embodiment, and various modifications can be adopted.

[0095] For example, in the above embodiment, when an update to the journalization information occurs for the usage details for which a reminder has been notified, the notification unit 134 may notify the second user terminal 300 to that effect.

[0096] Furthermore, the above embodiment may further include a learning unit 136 (not shown), which learns the switching information of the first user, proposes a combination of initial values ​​for each item of journalization information that minimizes the switching operation of the first user, accepts confirmation from the first user, and stores the proposed combination of initial values ​​in the storage unit 120. This can reduce the amount of operation for journalization by the first user.

[0097] In addition, in the above embodiment, the Save button D127 had to be pressed to confirm the journal information, but the journal information may be confirmed by displaying the journal UI and closing the journal UI without operating a switch. Also, the initial value may be confirmed as selected when a preset period has elapsed since the generation of the usage details.

[0098] Furthermore, in the example screen D100(B) shown in Figure 9 of the above embodiment, even when "Private Use" is selected in the first journal entry item, the switch for the second journal entry item is displayed as selectable (changeable), but as shown in the example screen D100(D) shown in Figure 12, when "Private Use" is selected in the first journal entry item, the switch for the second journal entry item may be hidden or unselectable.

[0099] Furthermore, the journal information of the above embodiment may include, as a journal item, a third journal item for which either the reduced consumption tax rate or the non-relevant journal item can be selected, and the journal UI unit 135 may display the selected state of the third journal item on the first user terminal 200 in a switchable manner, accept a selection from the first user, and update the journal information. The journal information may also include other journal items that the user can select.

[0100] In addition, in the above embodiment, the notification unit 134 notifies a reminder when a predetermined period has passed since the time the journal information was generated without a confirmation request being obtained, but the start of the predetermined period may also be the time when the authentication success information was generated, the time when the authentication unit 131 detected use, or the time when the payment request information was accepted.

[0101] Furthermore, although the above embodiment is primarily directed to the real-time settlement shown in FIG. 2, it is also possible to generate journal information the first time a recurring settlement is made, and send a push notification about the journal information only the first time.

[0102] Furthermore, the above embodiment is mainly directed to credit card payments shown in FIG. 2, but may also be directed to electronic money payments or two-dimensional code payments shown in FIG.

[0103] (Addendum) The following additional notes are about the features of the above-described embodiment. (Appendix 1) An information processing system for processing cashless payment usage information, an authentication unit that performs authentication for the first user's use of cashless payment and generates authentication success information indicating success of the authentication; a sales management unit that generates and stores journal entry information including accounting journal entries related to the use in response to the generation of the authentication success information; a notification unit that transmits a push notification of the journal information to a first user terminal of the first user in response to generation of the authentication success information; a journal entry UI unit that displays, in the journal entry information displayed on the first user terminal in response to the push notification, a selection state of a first journal entry item for which either expense use or non-expense use is selected as the journal entry item, and / or a second journal entry item for which either qualified invoice or non-qualified invoice is selected, in a switchable manner, and acquires a confirmation request to confirm the selection state by an operation of the first user; Equipped with The notification unit notifies the first user terminal of a reminder about the journal information for which the confirmation request has not been obtained when a predetermined period of time has passed since the journal information was generated without the confirmation request being obtained. Information processing system. (Appendix 2) the sales management unit generates the journal information by including either the expense use or the non-expense use as an initial value for the first journal item; 10. The information processing system of claim 1. (Appendix 3) the sales management department generates the journal information by including either the qualified invoice or the non-qualified invoice as an initial value for the second journal item; 3. The information processing system according to claim 1 or 2. (Appendix 4) The sales management department generating sales information for the use including the journal information based on the confirmed sales of the use; generating period usage detail information consisting of the sales information regarding one or more of the usages of the first user that occurred during a predetermined period; the notification unit provides the period usage detail information to a second user designated in advance by the first user. 4. An information processing system according to any one of appendices 1 to 3. (Appendix 5) When the notification unit acquires the confirmation request for the journal information for which the reminder has been notified, the notification unit notifies a second user terminal of a second user different from the first user of the journal information. 5. An information processing system according to any one of appendices 1 to 4. (Appendix 6) Further comprising a linking unit that links the journal information to an external accounting processing system used by the first user. 6. An information processing system according to any one of appendices 1 to 5. (Appendix 7) The external accounting processing system shares the journal information of the first user with a second user terminal used by a second user so that the journal information can be viewed and obtained. 7. The information processing system according to claim 6. (Appendix 8) The sales management unit outputs the period usage detail information in CSV format to the first user terminal. 5. The information processing system of claim 4. (Appendix 9) An information processing device that processes cashless payment usage information, an authentication unit that performs authentication for the first user's use of cashless payment and generates authentication success information indicating success of the authentication; a sales management unit that generates and stores journal entry information including accounting journal entries related to the use in response to the generation of the authentication success information; a notification unit that transmits a push notification of the journal information to a first user terminal of the first user in response to generation of the authentication success information; a journal entry UI unit that displays, in the journal entry information displayed on the first user terminal in response to the push notification, a selection state of a first journal entry item for which either expense use or non-expense use is selected as the journal entry item, and / or a second journal entry item for which either qualified invoice or non-qualified invoice is selected, in a switchable manner, and acquires a confirmation request to confirm the selection state by an operation of the first user; Equipped with The notification unit notifies the first user terminal of a reminder about the journal information for which the confirmation request has not been obtained when a predetermined period of time has passed since the journal information was generated without the confirmation request being obtained. Information processing device. (Appendix 10) An information processing method executed by an information processing device that processes cashless payment usage information, performing authentication for the first user's use of cashless payment and generating authentication success information indicating success of the authentication; generating and storing journal entry information including accounting journal entries related to the usage in response to the generation of the authentication success information; In response to generation of the authentication success information, sending a push notification of the journalization information to a first user terminal of the first user; In response to the push notification, in the journal information displayed on the first user terminal, a first journal item for which either expense use or non-expense use is selected as the journal item, and / or a second journal item for which either qualified invoice or non-qualified invoice is selected, are displayed in a switchable manner, and a confirmation request for confirming the selection state is obtained by an operation of the first user; Including, The step of sending the push notification includes, when a predetermined period of time has passed since the journal information was generated without the confirmation request being acquired, notifying the first user terminal of a reminder regarding the journal information for which the confirmation request has not been acquired. Information processing methods. (Appendix 11) The computer that processes cashless payment usage information performing authentication for the first user's use of cashless payment and generating authentication success information indicating success of the authentication; generating and storing journal entry information including accounting journal entries related to the usage in response to the generation of the authentication success information; In response to generation of the authentication success information, sending a push notification of the journalization information to a first user terminal of the first user; In response to the push notification, in the journal information displayed on the first user terminal, a first journal item for which either expense use or non-expense use is selected as the journal item, and / or a second journal item for which either qualified invoice or non-qualified invoice is selected, are displayed in a switchable manner, and a confirmation request for confirming the selection state is obtained by an operation of the first user; Execute The step of sending the push notification includes, when a predetermined period of time has passed since the journal information was generated without the confirmation request being acquired, notifying the first user terminal of a reminder regarding the journal information for which the confirmation request has not been acquired. program. [Explanation of symbols]

[0104] 1: Information processing system 100: Credit server 110: Communications Department 120: Storage section 121: Application Program 122: Database 130: Processing section 131: Authentication section 132: Sales Management Department 133: Collaboration Department 134:Notification Department 135: Journal entry UI section 200: First user terminal 300: Second user terminal 400: Accounting software server 410: Communications Department 420: Storage section 430: Processing section 431: Accounting Information Management Department NW: Network

Claims

1. An information processing system for processing cashless payment usage information, an authentication unit that performs authentication for the first user's use of cashless payment and generates authentication success information indicating success of the authentication; a sales management unit that generates and stores journal entry information including accounting journal entries related to the use in response to the generation of the authentication success information; A notification unit that transmits a push notification of the journal information to a first user terminal of the first user in response to generation of the authentication success information; a journalization UI unit that displays, in the journal information displayed on the first user terminal in response to the push notification, a selection state of a first journal item for which either expense use or non-expense use is selected as the journal item, and / or a second journal item for which either qualified invoice or non-qualified invoice is selected, in a switchable manner, and acquires a confirmation request to confirm the selection state by an operation of the first user; Equipped with The notification unit notifies the first user terminal of a reminder about the journal information for which the confirmation request has not been obtained when a predetermined period of time has passed since the journal information was generated without the confirmation request being obtained. Information processing system.

2. the sales management unit generates the journal information by including either the expense use or the non-expense use as an initial value for the first journal item; The information processing system according to claim 1 .

3. the sales management department generates the journal information by including either the qualified invoice or the non-qualified invoice as an initial value for the second journal item; 3. The information processing system according to claim 1.

4. The sales management department generating sales information for the use including the journal information based on the confirmed sales of the use; generating period usage detail information consisting of the sales information regarding one or more of the usages of the first user that occurred during a predetermined period; the notification unit provides the period usage detail information to a second user designated in advance by the first user. The information processing system according to claim 1 .

5. When the notification unit acquires the confirmation request for the journal information for which the reminder has been notified, the notification unit notifies a second user terminal of a second user different from the first user of the journal information. The information processing system according to claim 1 .

6. The system further includes a linking unit that links the journal information to an external accounting processing system used by the first user. The information processing system according to claim 1 .

7. The external accounting processing system shares the journal information of the first user with a second user terminal used by a second user so that the journal information can be viewed and obtained. The information processing system according to claim 6.

8. The sales management unit outputs the period usage detail information in CSV format to the first user terminal. The information processing system according to claim 4 .

9. An information processing device that processes cashless payment usage information, an authentication unit that performs authentication for the first user's use of cashless payment and generates authentication success information indicating success of the authentication; a sales management unit that generates and stores journal entry information including accounting journal entries related to the use in response to the generation of the authentication success information; A notification unit that transmits a push notification of the journal information to a first user terminal of the first user in response to generation of the authentication success information; a journalization UI unit that displays, in the journal information displayed on the first user terminal in response to the push notification, a selection state of a first journal item for which either expense use or non-expense use is selected as the journal item, and / or a second journal item for which either qualified invoice or non-qualified invoice is selected, in a switchable manner, and acquires a confirmation request to confirm the selection state by an operation of the first user; Equipped with The notification unit notifies the first user terminal of a reminder about the journal information for which the confirmation request has not been obtained when a predetermined period of time has passed since the journal information was generated without the confirmation request being obtained. Information processing device.

10. An information processing method executed by an information processing device that processes cashless payment usage information, performing authentication for the first user's use of cashless payment and generating authentication success information indicating success of the authentication; generating and storing journal entry information including accounting journal entries related to the usage in response to the generation of the authentication success information; In response to generation of the authentication success information, sending a push notification of the journalization information to a first user terminal of the first user; In response to the push notification, in the journal information displayed on the first user terminal, a first journal item for which either expense use or non-expense use is selected as the journal item, and / or a second journal item for which either qualified invoice or non-qualified invoice is selected, are displayed in a switchable manner, and a confirmation request for confirming the selection state is obtained by an operation of the first user; Including, The step of sending the push notification notifies the first user terminal of a reminder about the journal information for which the confirmation request has not been obtained, when a predetermined period of time has passed since the journal information was generated without the confirmation request being obtained. Information processing methods.

11. The computer that processes cashless payment usage information performing authentication for the first user's use of cashless payment and generating authentication success information indicating success of the authentication; generating and storing journal entry information including accounting journal entries related to the usage in response to the generation of the authentication success information; In response to generation of the authentication success information, sending a push notification of the journalization information to a first user terminal of the first user; In response to the push notification, in the journal information displayed on the first user terminal, a first journal item for which either expense use or non-expense use is selected as the journal item, and / or a second journal item for which either qualified invoice or non-qualified invoice is selected, are displayed in a switchable manner, and a confirmation request for confirming the selection state is obtained by an operation of the first user; Execute The step of sending the push notification notifies the first user terminal of a reminder about the journal information for which the confirmation request has not been obtained, when a predetermined period of time has passed since the journal information was generated without the confirmation request being obtained. program.

Images