Information processing device, information processing method, and program

Abstract

To provide an information processing device that enables a user to easily recall the details of a cashless payment result. [Solution] An information processing device 1 that can access two or more pieces of first correspondence information that associate a user identifier that identifies a user with payment result information regarding the completion result of a cashless payment for the user, and sales object information related to one or more sales objects that were the subject of the cashless payment corresponding to the payment result information, which is linked to the payment result information, comprises a receiving unit 12 that receives a transmission request including a user identifier, and a transmitting unit 15 that, when the transmission request is received by the receiving unit 12, transmits the payment result information associated with the user identifier included in the transmission request and the sales object information linked to the payment result information.

Description

[Technical Field]

[0001] The present invention relates to an information processing device or the like that processes information related to cashless payment. [Background technology]

[0002] Cashless payments using credit cards, electronic money, etc. are becoming more common. In recent years, it has also become possible to check the details of such cashless payments online, such as on a webpage.

[0003] Furthermore, when checking usage details online, map information showing the stores used and the order of use is generated and output to make it easier for users to remember their usage (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2017-162296 Summary of the Invention [Problem to be solved by the invention]

[0005] However, even if information about the stores where cashless payments have been made is output, it may be difficult for the user to recall the details of the cashless payments. For example, even if the stores and the order of use are displayed on the map information in the cashless payment statement for stores that the user frequently uses, it may be difficult for the user to recall what specific items were purchased.

[0006] The present invention has been made to solve the above-mentioned problems, and aims to provide an information processing device, etc. that makes it easier for users to remember the details of the payment results of cashless payments. [Means for solving the problem]

[0007] In order to achieve the above-mentioned object, an information processing device according to one embodiment of the present invention is an information processing device that can access two or more pieces of first correspondence information that associate a user identifier that identifies a user with payment result information regarding the completion result of a cashless payment for the user, and sales object information regarding one or more sales objects that were the subject of the cashless payment corresponding to the payment result information, which is linked to the payment result information, and is equipped with a receiving unit that receives a transmission request including the user identifier, and a transmitting unit that, when the transmission request is received by the receiving unit, transmits the payment result information associated with the user identifier included in the transmission request and the sales object information linked to the payment result information. With this configuration, the user is presented with information about the items sold through the cashless payment along with the payment result information of the cashless payment, allowing the user to more clearly recall the details of the cashless payment. This makes it easier for the user to determine, for example, whether a particular cashless payment was made by the user or by a malicious third party.

[0008] In addition, in an information processing device according to one aspect of the present invention, the receiving unit also receives a payment request including a user identifier and payment information related to cashless payment, and may further include a memory unit, a payment unit that, when the payment request is received by the receiving unit, performs cashless payment according to the payment information included in the payment request, and a storage unit that, when the cashless payment by the payment unit is completed, stores in the memory unit first correspondence information that associates the user identifier included in the payment request received by the receiving unit with payment result information related to the completion result of the cashless payment. With this configuration, it is possible to accumulate first correspondence information that associates a user identifier with payment result information in response to the execution of cashless payment.

[0009] In addition, in an information processing device according to one aspect of the present invention, the receiving unit may also receive sales object information corresponding to the payment request, and when the sales object information is received by the receiving unit, the storage unit may store the sales object information in the memory unit by linking it to payment result information corresponding to the sales object information. With this configuration, for example, the sales item information transmitted for each cashless payment can be linked to the payment result information.

[0010] In addition, in an information processing device according to one aspect of the present invention, it is possible to access two or more second correspondence information that associates sales target information with a sales target information identifier that identifies the sales target information, and the receiving unit also receives the sales target information identifier corresponding to the payment request, and when the receiving unit receives the sales target information identifier, the storage unit may store the sales target information identifier in the memory unit by linking it to payment result information corresponding to the sales target information identifier. With this configuration, the payment result information and the sales object information can be linked by using the sales object information identifier.

[0011] In addition, an information processing method according to one aspect of the present invention is an information processing method processed using a receiving unit, a transmitting unit that can access two or more pieces of first correspondence information that associate a user identifier that identifies a user with payment result information regarding the completion result of a cashless payment for the user, and sales object information regarding one or more sales objects that were the subject of the cashless payment corresponding to the payment result information, which is linked to the payment result information, and includes a step in which the receiving unit receives a transmission request including the user identifier, and a step in which the transmitting unit, when the transmission request is received in the step of receiving the transmission request, transmits the payment result information associated with the user identifier included in the transmission request and the sales object information linked to the payment result information.

[0012] In addition, a program according to one aspect of the present invention is intended to cause a computer that can access two or more pieces of first correspondence information that associate a user identifier that identifies a user with payment result information regarding the completion result of a cashless payment for the user, and sales object information regarding one or more sales objects that were the subject of the cashless payment corresponding to the payment result information, which is linked to the payment result information, to function as a receiving unit that receives a transmission request including a user identifier, and a transmitting unit that, when the transmission request is received by the receiving unit, transmits the payment result information associated with the user identifier included in the transmission request and the sales object information linked to the payment result information. [Effects of the Invention]

[0013] According to an information processing device or the like according to one aspect of the present invention, the user is presented with sales item information regarding the items sold through the cashless payment along with the payment result information of the cashless payment, allowing the user to more clearly recall the details of the cashless payment. [Brief explanation of the drawings]

[0014] [Figure 1] FIG. 1 is a schematic diagram showing a configuration of an information processing system according to an embodiment of the present invention; [Figure 2] FIG. 2 is a block diagram showing the configuration of an information processing device according to the embodiment; [Figure 3] A flowchart showing the operation of the information processing device according to the embodiment. [Figure 4] FIG. 10 is a diagram showing an example of first correspondence information in the embodiment. [Figure 5] FIG. 10 is a diagram showing an example of sales target information in the embodiment; [Figure 6] FIG. 10 shows an example of payment result information and sales item information displayed on the user terminal device in the embodiment. [Figure 7] FIG. 10 is a diagram showing an example of second correspondence information in the embodiment. [Figure 8]FIG. 10 is a diagram showing an example of a payment result information identifier and a sales target information identifier associated therewith in the embodiment. [Figure 9] FIG. 2 is a schematic diagram showing an example of the appearance of a computer system according to the embodiment; [Figure 10] FIG. 2 shows an example of the configuration of a computer system according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0015] An information processing device and information processing method according to the present invention will be described below using embodiments. Note that in the following embodiments, components and steps with the same reference numerals are the same or equivalent, and repeated description may be omitted. The information processing device according to this embodiment stores payment result information regarding the completion result of a cashless payment and sales object information regarding one or more sales objects that were the subject of the cashless payment, linked to each other, and transmits the payment result information and the sales object information linked to the payment result information in response to a transmission request from a user.

[0016] Fig. 1 is a schematic diagram showing the configuration of an information processing system 100 according to this embodiment, and Fig. 2 is a block diagram showing the configuration of an information processing device 1 according to this embodiment. As shown in Fig. 1, the information processing system 100 may include an information processing device 1, one or more store terminal devices 2, and one or more user terminal devices 3. The information processing device 1, the store terminal devices 2, and the user terminal devices 3 may be connected by a wired or wireless communication line 500. The communication line 500 may be, for example, the Internet, an intranet, a public telephone network, or the like.

[0017] The store terminal device 2 is a terminal used in a store that sells items for sale. The store terminal device 2 may be a terminal device on the side of the seller of the items for sale. The store terminal device 2 may be, for example, a computer that transmits a payment request and sales item information, which will be described later, to the information processing device 1. The store terminal device 2 may be, for example, a terminal device in a real store, or a terminal device in a virtual store such as an e-commerce mall or online store. In this embodiment, the former case will be mainly described.

[0018] The user terminal device 3 is a terminal used by a user who purchases an item for sale using cashless payment, and may be, for example, a smartphone, tablet device, personal computer, etc. The user terminal device 3 may also be a terminal device on the side of the purchaser of the item for sale. It is usually preferable that the user terminal device 3 is a portable terminal, but this is not necessary. The user terminal device 3 may also be a desktop computer, etc.

[0019] As shown in Fig. 2, the information processing device 1 includes a memory unit 11, a receiving unit 12, a payment unit 13, an accumulation unit 14, and a transmitting unit 15. The information processing device 1 may be, for example, a server device that communicates with a store terminal device 2 and a user terminal device 3. In this embodiment, the case where cashless payment is performed in the information processing device 1 will be mainly described. In other words, it is assumed that the information processing device 1 is operated by a company that performs cashless payment. Other cases will be described later.

[0020] The storage unit 11 may store two or more pieces of first correspondence information and one or more pieces of sales object information. The first correspondence information is information that associates a user identifier that identifies a user with payment result information regarding the completion result of the cashless payment for that user. As an example, the first correspondence information may be information that has a user identifier and payment result information.

[0021] The user identifier may be, for example, the user's name, or in the case of cashless payment, information linked to the user (such as the user's credit card number), or a specific string of characters assigned to the user, or other information that identifies the user.

[0022] Payment result information is information about the completion result of a cashless payment. Therefore, payment result information exists only when the cashless payment is completed, i.e., when the cashless payment is successful. Therefore, if the cashless payment is not completed for some reason, such as insufficient balance, payment result information for that cashless payment will not exist.

[0023] Cashless payment is not limited to any particular payment method that does not use cash, but may include, for example, credit cards, debit cards, prepaid cards, electronic money for transportation, and electronic money using codes such as QR codes (registered trademark).

[0024] The payment result information is information about a completed cashless payment, and may include, for example, the date the payment was made, the amount paid, and the store or other destination of the payment. The payment result information may be similar to the information included in a cashless payment statement. The first correspondence information is information that associates a user identifier with payment result information. Therefore, when the first correspondence information associates a certain user identifier with certain payment result information, it is known that the payment indicated in the payment result information has been made for the user identified by that user identifier.

[0025] The sales object information is information about one or more sales objects. This sales object information may be information about one or more sales objects purchased by a user at a store or the like using cashless payment. For example, if a user purchases one or more sales objects at a store, information about the one or more sales objects may be included in the sales object information. It is preferable that information about one or more sales objects purchased by a user in a single payment is included in a single sales object information. Typically, one receipt is issued for one payment. For example, information about one or more sales objects included in that single receipt may be included in a single sales object information. Furthermore, point of sale (POS) information recorded for each payment at a store depending on the sale of the sales objects may be used as the sales object information. Furthermore, in the storage unit 11, the sales object information is linked to payment result information. For example, if a user purchases one or more sales objects at a store using cashless payment, payment result information regarding the completion result of the cashless payment may be linked to the sales object information about the one or more sales objects. In this way, the sales object information linked to certain payment result information may be information about one or more sales objects that were the subject of the cashless payment corresponding to the payment result information.

[0026] The object for sale may include, for example, a tangible object or an intangible object. In the latter case, the object for sale may be, for example, a service (obligation) such as the provision of food and drink or accommodation. The object for sale, which is a tangible object, may also be a commodity. The commodity may be anything, such as food, daily necessities, home appliances, books, etc. In this embodiment, the case where the object for sale is a commodity will be mainly described. Note that the object for sale is a name from the seller's side, and is an object for purchase from the buyer's side. Therefore, the object for sale can also be thought of as an object for purchase.

[0027] The information included in the sales object information is not particularly limited, but may include, for example, a sales object identifier that identifies the sales object, the name of the sales object, the unit price of the sales object, the quantity of the sales object sold, the subtotal of the sales object, the date and time the sales object was sold, a store identifier that identifies the store where the sales object was sold, and the total amount for one or more sales objects sold. Note that the sales object information may not include all of this information. The sales object identifier is not particularly limited as long as it is information that can identify the sales object, but may be, for example, a JAN (Japanese Article Number) code or other identification code for the sales object.

[0028] As will be described later, the settlement result information and sales object information may be stored in the storage unit 11 by the storage unit 14. The storage unit 11 is preferably realized by a non-volatile recording medium, but may also be realized by a volatile recording medium. The recording medium may be, for example, a semiconductor memory or a magnetic disk.

[0029] The receiving unit 12 receives a transmission request including a user identifier. The receiving unit 12 may receive, for example, a transmission request transmitted from a user terminal device 3 and including a user identifier that identifies the user of the user terminal device 3. The transmission request may be, for example, information requesting the information processing device 1 to transmit payment result information or sales target information related to a user identified by the user identifier included in the transmission request. The transmission request may also include, for example, information for narrowing down the information requested to be transmitted, such as information regarding a period. In this case, the transmission request may be, for example, information requesting the information processing device 1 to transmit payment result information related to a user identified by the user identifier included in the transmission request and the corresponding sales target information, including payment result information according to the period and the corresponding sales target information.

[0030] The receiving unit 12 may also receive a payment request including, for example, a user identifier and payment information related to cashless payment. The payment request may be, for example, information requesting the information processing device 1 to perform cashless payment according to the payment information included in the payment request for a user identified by the user identifier included in the payment request. The receiving unit 12 may receive a payment request transmitted from the store terminal device 2, for example, including a user identifier of a user who purchases one or more items for sale at the store where the store terminal device 2 is located and payment information related to cashless payment for the purchase of the one or more items for sale. The payment information preferably includes information necessary for cashless payment. The payment information may include, for example, information on the payment method such as a credit card or electronic money, the amount to be paid, and the name of the destination such as a store. For example, if the payment method is a credit card, the information on the payment method may include the credit card number, the name of the cardholder, and the expiration date, and may further include a security code as necessary. Furthermore, if the payment method is electronic money, the information on the payment method may include, for example, information necessary for electronic money payment.

[0031] The receiving unit 12 may also receive, for example, sales object information corresponding to a payment request received by the receiving unit 12. As an example, when payment is completed in response to the received payment request, the receiving unit 12 may receive the sales object information corresponding to the payment request. The receiving unit 12 may receive the sales object information from the store terminal device 2, which is the sender of the payment request corresponding to the sales object information. The sales object information corresponding to the payment request may be sales object information regarding one or more sales objects that are the subject of the cashless payment requested by the payment request. For example, the store terminal device 2 may send a payment request for one or more sales objects to the information processing device 1, and when it receives information from the information processing device 1 in response that the cashless payment has been completed, it may send sales object information regarding the one or more sales objects to the information processing device 1.

[0032] The receiving unit 12 may or may not include a wired or wireless receiving device (such as a modem or a network card) for receiving. The receiving unit 12 may be realized by hardware, or may be realized by software such as a driver that drives the receiving device.

[0033] When the receiving unit 12 receives a payment request, the payment unit 13 may perform a cashless payment according to the payment information included in the payment request. If the payment information includes information on a payment method and an amount, the payment unit 13 may, for example, use the information on the payment method to perform the payment of the amount. For example, if the payment method is a credit card, payment may be made by credit card. If the payment method is electronic money, payment may be made by electronic money. Furthermore, when performing a cashless payment in response to receiving a payment request, the payment unit 13 may or may not use a user identifier included in the payment request for the cashless payment. In the former case, for example, the user identifier itself may be information used for the cashless payment, or information associated with the user identifier in the information processing device 1 may be information used for the cashless payment. Furthermore, the payment unit 13 may, for example, perform the payment by accessing a payment server (not shown). For example, the payment unit 13 may only perform payments related to a specific payment method.

[0034] When cashless payment by payment unit 13 is completed in response to a payment request received by receiving unit 12, accumulation unit 14 may accumulate in memory unit 11 first correspondence information associating a user identifier included in the payment request with payment result information regarding the completion result of the cashless payment. The payment result information may include, for example, information acquired from the payment information included in the payment request, or may include other information. Here, even when storing payment result information in association with a user identifier previously stored in memory unit 11, the first correspondence information associating the user identifier with the payment result information is ultimately newly stored in memory unit 11, and therefore it can be considered that the first correspondence information associating the user identifier with the payment result information has been accumulated in memory unit 11.

[0035] Furthermore, for example, when sales object information is received by the receiving unit 12, the accumulation unit 14 may store the received sales object information in the storage unit 11, linking it to payment result information corresponding to the sales object information. When a payment request for one or more sales objects is received and a cashless payment is completed in accordance with the payment request, payment result information regarding the completion result of the cashless payment may be payment result information corresponding to the sales object information for the one or more sales objects. Storing the sales object information linked to the payment result information may mean, for example, storing the sales object information in association with the payment result information, or storing the sales object information in association with a payment result information identifier that identifies the payment result information. As such, as long as it is possible to identify the sales object information linked to the payment result information based on the payment result information, the method of linking the two is not important.

[0036] When the receiving unit 12 receives a transmission request, the transmitting unit 15 transmits the payment result information associated with the user identifier included in the transmission request by the first correspondence information, and the sales object information linked to the payment result information. When a transmission request is received, the transmission request is authenticated, and if it is determined to be valid, the payment result information, etc. is transmitted. If not, the payment result information, etc. may not be transmitted. The authentication may be, for example, password authentication. In this case, for example, the transmission request may also include information such as a password used for authentication. When a transmission request is received, the transmitting unit 15 may transmit the payment result information and sales object information corresponding to the transmission request to the user terminal device 3 that is the sender of the transmission request.

[0037] The transmitting unit 15 may transmit all or part of the payment result information and the sales object information. For example, the transmitting unit 15 does not necessarily transmit the store identifier and the sales object identifier included in the sales object information. The transmitting unit 15 may also transmit information not included in the payment result information and the sales object information. For example, if the storage unit 11 stores two or more pieces of information associating a sales object identifier with detailed information about the sales object identified by the sales object identifier, the transmitting unit 15 may also transmit detailed information associated with one or more sales object identifiers that respectively identify one or more sales objects corresponding to the sales object information to be transmitted. This allows the user to learn detailed information about the sales object. For example, if the sales object is a food or beverage, the detailed information may be information about nutrients or allergies. If the sales object is a home appliance, the detailed information may be the specifications or manual of the home appliance. The transmitting unit 15 may transmit the payment result information and the sales object information simultaneously or separately. For example, the transmitting unit 15 may first transmit payment result information, and if, in response to that transmission, information requesting the transmission of sales target information corresponding to that payment result information is received, the transmitting unit 15 may transmit the sales target information in response.

[0038] Furthermore, the transmitting unit 15 may transmit, for example, the payment result information and the sales object information linked to the payment result information simultaneously, or may transmit them in stages. In the latter case, the transmitting unit 15 may, for example, first transmit all payment result information associated with the user identifier included in the transmission request, and then transmit the sales object information linked to the payment result information selected by the user in the payment result information. In this case, the receiving unit 12 may, for example, receive information for identifying the payment result information from the user terminal device 3 after the payment result information is transmitted. The information for identifying the payment result information may be, for example, the date, or the date and the amount. When the receiving unit 12 receives the information for identifying the payment result information transmitted from the user terminal device 3, the transmitting unit 15 may identify the payment result information using the information for identifying the payment result information in the payment result information transmitted to the user terminal device 3, and transmit the sales object information linked to the identified payment result information to the user terminal device 3. In such a case, the transmission unit 15 may transmit only the sales object information linked to a portion of the payment result information among all the payment result information associated with the user identifier included in the transmission request.

[0039] Furthermore, the transmitting unit 15 may transmit, for example, the result of the cashless payment to the store terminal device 2 that is the sender of the payment request that triggered the cashless payment. The result of the cashless payment may be information indicating that the cashless payment has been completed (i.e., that the cashless payment has been successful) or that the cashless payment has not been completed (i.e., that the cashless payment has failed).

[0040] The transmitter 15 may or may not include a wired or wireless transmission device (such as a modem or a network card) for transmission. The transmitter 15 may be realized by hardware, or may be realized by software such as a driver that drives the transmission device.

[0041] Next, the operation of the information processing device 1 will be described with reference to the flowchart of FIG. (Step S101) The receiving unit 12 determines whether or not a payment request has been received. If a payment request has been received, the process proceeds to step S102, and if not, the process proceeds to step S108.

[0042] (Step S102) The payment unit 13 performs cashless payment in response to the payment request received in step S101. The payment unit 13 may perform cashless payment, for example, in response to payment information included in the received payment request.

[0043] (Step S103) The transmitter 15 transmits the result of the cashless payment in step S102 to the sender of the payment request.

[0044] (Step S104) If the cashless payment in step S102 is completed, proceed to step S105; if not, return to step S101.

[0045] (Step S105) The accumulation unit 14 accumulates in the memory unit 11 first correspondence information that associates the user identifier included in the payment request received in step S101 with payment result information regarding the completion result of the cashless payment in step S102.

[0046] (Step S106) The receiving unit 12 determines whether or not the sales object information has been received in response to the transmission of the cashless payment result in step S103. If the sales object information has been received, the process proceeds to step S107; if not, the process repeats step S106 until the sales object information is received. Note that if the sales object information is not received from the store terminal device 2 even after a predetermined period has elapsed since the transmission of the cashless payment result, the process may return to step S101, assuming that a timeout has occurred.

[0047] (Step S107) The accumulation unit 14 associates the sales object information received in step S106 with the payment result information in the first correspondence information accumulated in step S105, and accumulates the information in the storage unit 11. Then, the process returns to step S101.

[0048] (Step S108) The receiving unit 12 determines whether or not a transmission request has been received. If a transmission request has been received, the process proceeds to step S109, and if not, the process returns to step S101.

[0049] (Step S109) The transmitting unit 15 reads out from the storage unit 11 the payment result information associated with the user identifier included in the transmission request received in step S108 by the first correspondence information and the sales object information linked to the payment result information, and transmits them to the sender of the transmission request. Then, the process returns to step S101.

[0050] In the flowchart of FIG. 3, the payment request received in step S101 may include sales object information. In this case, for example, the process of step S106 may not be executed. Then, in response to the accumulation of the first correspondence information in step S105, the sales object information previously received may be linked to the payment result information and accumulated. Also, the order of the processes in the flowchart of FIG. 3 is an example, and the order of the steps may be changed as long as the same results are obtained. Also, in the flowchart of FIG. 3, the process may end due to an interrupt such as power off or the end of the process.

[0051] Next, the operation of the information processing system 100 according to this embodiment will be described using a specific example. On August 1, 2025, a user identified by user identifier "U001" (hereinafter sometimes referred to as "user U001") attempts to purchase products such as "ABC bread," "AAA milk," and "XYZ ham" at store A using cashless payment. A payment request including the user identifier "U001" and payment information related to the cashless payment is then sent from the store terminal device 2 of store A to the information processing device 1. The payment information includes the amount of the cashless payment (2,400 yen), the name of the cashless payment destination ("store A"), information on the payment method, etc.

[0052] The payment request sent from the store terminal device 2 of store A is received by the receiving unit 12 of the information processing device 1, and the payment request is passed to the payment unit 13, and the address of the store terminal device 2 that sent the request is passed to the transmitting unit 15 (step S101).

[0053] Upon receiving the payment request, the payment unit 13 performs the cashless payment using the payment information included in the payment request and passes the result of the cashless payment to the transmission unit 15 (step S102). In this specific example, it is assumed that the cashless payment is completed. Upon receiving the result of the cashless payment, the transmission unit 15 transmits the result of the cashless payment to the address previously received from the reception unit 12 (step S103). In this way, the result of the cashless payment is received by the store terminal device 2 of store A.

[0054] Since the cashless payment has been completed (step S104), the payment unit 13 passes to the accumulation unit 14 the payment result information, including the user identifier "U001" included in the payment request, the date of the payment, which is information regarding the completion result of the cashless payment, the amount of the cashless payment "2,400 yen," the name of the cashless payment destination "Store A," and the payment result information identifier "P001." The payment unit 13 may, for example, obtain the date of the payment from a calendar unit (not shown). The payment unit 13 may, for example, obtain a payment result information identifier so that the payment result information can be uniquely identified. The acquisition of the payment result information identifier may, for example, be by generating a payment result information identifier according to a predetermined algorithm, or by reading the payment result information identifier from a recording medium on which multiple payment result information identifiers are stored in advance. In the latter case, the payment result information identifier read by the payment unit 13 may, for example, be deleted from the recording medium. The recording medium may, for example, be the storage unit 11. When the accumulation unit 14 receives the user identifier "U001" and the payment result information from the settlement unit 13, the accumulation unit 14 accumulates first correspondence information including them in the storage unit 11 (step S105).

[0055] Furthermore, when store terminal device 2 of store A receives notification that the cashless payment has been completed, it transmits sales object information regarding the sales object that was the subject of the cashless payment to information processing device 1. This sales object information may include the sales object identifiers, names, unit prices, quantities sold, subtotals for each sales object, the date and time of the sales, the store identifier that identifies store A, the total amount of the sales, etc., of the sales objects purchased by user U001, such as "ABC Bread," "AAA Milk," and "XYZ Ham." Note that, since the cashless payment has been completed, store A will hand over the sales objects, such as the products "ABC Bread," "AAA Milk," and "XYZ Ham," to user U001.

[0056] The sales object information transmitted from the store terminal device 2 of store A is received by the receiving unit 12 of the information processing device 1 and passed to the storage unit 14 (step S106). Upon receiving the sales object information, the storage unit 14 stores the received sales object information in the memory unit 11 in association with the payment result information identifier "P001" included in the payment result information stored immediately before (step S107).

[0057] In this way, the first correspondence information is accumulated in response to the receipt of a payment request, and the sales object information is accumulated in response to the receipt of the sales object information in the information processing device 1. Figures 4 and 5 are diagrams respectively showing the first correspondence information stored in the storage unit 11 after such accumulation has been repeated, and the sales object information associated with the payment result information identifier.

[0058] The first correspondence information shown in Figure 4 includes a user identifier and payment result information associated with the user identifier. The payment result information includes a payment result information identifier, the date of the cashless payment, the amount of the cashless payment, and the name of the cashless payment destination.

[0059] FIG. 5 shows a payment result information identifier and the corresponding sales object information. The sales object information includes information for each sales object, such as a sales object identifier, the name of the sales object, the unit price of the sales object, the quantity of the sales object sold, and the subtotal amount of the sales object. The subtotal amount is the result of multiplying the unit price of the sales object by the quantity of the sales object. The sales object information also includes overall information about the sales object, such as the date and time of the sale, the store identifier that identifies the store where the sale took place, and the total amount of the sales object. The sales object information shown in FIG. 5 is linked to the payment result information via the payment result information identifier. For example, the sales object information associated with the payment result information identifier "P001" shown in FIG. 5 is linked to the payment result information that includes the payment result information identifier "P001."

[0060] Next, assume that user U001 operates his / her user terminal device 3 to make an inquiry about cashless payment on August 1, 2025. Then, the user terminal device 3 sends a transmission request to the information processing device 1, including the user identifier "U001" and the date of the inquiry, "August 1, 2025."

[0061] The transmission request transmitted from the user terminal device 3 is received by the receiving unit 12 of the information processing device 1, and the transmission request and the sender's address are passed to the transmitting unit 15 (step S108). Upon receiving the transmission request, the transmitting unit 15 searches the plurality of first correspondence information stored in the storage unit 11 using the user identifier "U001" contained in the transmission request as a search key, and searches the matched first correspondence information for payment result information using the date "August 1, 2025" contained in the transmission request as a search key. As a result, it is assumed that the payment result information contained in the first first correspondence information shown in FIG. 4 is found. Then, the transmitting unit 15 reads the payment result information identifier "P001" from the payment result information, and searches the plurality of payment result information identifiers associated with the sales object information shown in FIG. 5 using the payment result information identifier as a search key, and identifies the sales object information associated with the matched payment result information identifier. Then, the sending unit 15 sends the date of the cashless payment "August 1, 2025", the amount of the cashless payment "2,400 yen", and the name of the cashless payment destination "Store A" contained in the searched payment result information, as well as the name of the item for sale, the unit price of the item for sale, the quantity of the item for sale, and the subtotal amount of the item for sale contained in the identified sales item information, to the address previously received from the receiving unit 12 (step S109).

[0062] The payment result information and sales item information sent from the information processing device 1 are received by the user terminal device 3 of user U001 and displayed on the user terminal device 3 as shown in Fig. 6. By looking at this display, user U001 can learn not only the total amount and the name of the place of use for the cashless payment on August 1, 2025, but also information about each purchased sales item, which allows him or her to more clearly recall the details of the cashless payment.

[0063] As described above, according to the information processing device 1 of this embodiment, in response to receiving a transmission request, not only the payment result information associated with the user identifier included in the transmission request but also the sales item information linked to the payment result information is transmitted. This allows the user to know the information about each sales item purchased through cashless payment and more clearly recall the details of the cashless payment. Therefore, the user can easily determine, for example, whether a particular cashless payment was made by the user or by a malicious third party. Furthermore, the user can use the transmitted payment result information and information included in the sales item information for household accounting, etc., thereby improving user convenience. Furthermore, the user can view information about products purchased through cashless payment at different stores across the board, making it easy to compare, for example, the prices of products purchased in the past across different stores.

[0064] In addition, first correspondence information is accumulated in response to cashless payment by the payment unit 13, and the sales object information is accumulated linked to payment result information in response to reception of sales object information by the receiving unit 12, so that the first correspondence information and the corresponding sales object information can be sequentially accumulated in the memory unit 11.

[0065] Furthermore, by using the information stored in the memory unit 11 of the information processing device 1, it is possible to know the purchasing history of each user across retail stores, etc., and the results can be used, for example, for marketing, product development, etc.

[0066] In this embodiment, the case where the receiving unit 12 receives sales object information for each payment result information has been mainly described, but this is not necessarily the case. The receiving unit 12 may, for example, collectively receive sales object information relating to all sales objects sold at a store or the like. In this case, for example, of the multiple sales object information received by the receiving unit 12, only a portion of the sales object information may be linked to the payment result information. This case will be described below.

[0067] In this case, the receiving unit 12 may also receive a sales object information identifier corresponding to the payment request. This sales object information identifier may be included in the payment request, for example, or may be transmitted from the store terminal device 2 in response to the completion of cashless payment in response to the payment request and the transmission of the cashless payment result. In the latter case, instead of transmitting the sales object information from the store terminal device 2 in the above description, the sales object information identifier is transmitted from the store terminal device 2.

[0068] Then, when the receiving unit 12 receives a sales target information identifier, the accumulating unit 14 may store the sales target information identifier in the storage unit 11, linked to the payment result information corresponding to the sales target information identifier. For example, if the sales target information identifier is included in a payment request, when payment according to the payment request is completed and first correspondence information is stored in response to the completion of the payment, the sales target information identifier included in the payment request may be stored linked to the payment result information in the first correspondence information. Also, when the sales target information identifier is received instead of receiving the sales target information, the sales target information identifier may be stored linked to the payment result information, similar to the sales target information described above.

[0069] The receiving unit 12 may also receive two or more pieces of second correspondence information that associate the sales object information with a sales object information identifier that identifies the sales object information. The sales object information associated with the sales object information identifier by the two or more pieces of second correspondence information may include sales object information about sales objects for which a payment other than a cashless payment by the information processing device 1 has been made. For example, the sales object information may include sales object information about sales objects for which a cash payment has been made in a store, or sales object information about sales objects for which a cashless payment has been made elsewhere than the information processing device 1. The sales object information identifier may be any information that can identify the sales object information. For example, the sales object information identifier may include a retailer identifier, a store identifier for the retailer, a cash register identifier for the store, and an identifier that identifies the payment at the cash register (e.g., sequential number information indicating the order of the payment). The receiving unit 12 preferably receives two or more pieces of second correspondence information from the store terminal device 2 in a lump. For example, the second correspondence information about all sales objects sold in a certain store in a day may be transmitted in a lump, such as late at night on that day or the next morning. The accumulation unit 14 may also accumulate two or more pieces of second correspondence information received by the receiving unit 12 in the storage unit 11.

[0070] In this case, similarly to the above description, in response to receiving a transmission request, it is possible to transmit the payment result information associated with the user identifier included in the transmission request and the sales object information linked to the payment result information. Note that in this case, the sales object information linked to the payment result information may be the sales object information identified by the sales object information identifier linked to the payment result information.

[0071] Next, a specific example will be described in which the receiving unit 12 receives the second correspondence information and the sales target information identifier. In this specific example, detailed descriptions of processes similar to those in the previous specific example will be omitted. When user U001 purchases a product such as "ABC Bread" at store A using cashless payment on August 1, 2025, a payment request including a user identifier and payment information is sent from store terminal device 2 of store A to information processing device 1. The payment request is received by receiving unit 12 of information processing device 1, cashless payment is performed accordingly, and the result is sent to store terminal device 2 of store A by transmitting unit 15. Furthermore, when the cashless payment is completed, first correspondence information that associates the user identifier with payment result information is stored in memory unit 11 accordingly. Note that the payment result information includes the payment result information identifier "P001", as in the specific example described above.

[0072] In addition, when the store terminal device 2 of store A receives notification that the cashless payment has been completed, it stores second correspondence information in a specified recording medium that associates the sales object information regarding the sales object that was the subject of the cashless payment with the sales object information identifier "Q001" that identifies that sales object information, and transmits that sales object information identifier "Q001" to the information processing device 1.

[0073] The sales object information identifier "Q001" transmitted from the store terminal device 2 of store A is received by the receiving unit 12 of the information processing device 1 and passed to the storage unit 14. Upon receiving the sales object information identifier, the storage unit 14 stores the received sales object information identifier "Q001" in the memory unit 11 in association with the payment result information identifier "P001" included in the payment result information stored immediately before.

[0074] Furthermore, at 2:00 AM the following day, the store terminal device 2 determines to transmit second correspondence information, reads the second correspondence information for the previous day from a predetermined recording medium, and transmits it to the information processing device 1. When the receiving unit 12 of the information processing device 1 receives the plurality of pieces of second correspondence information, it passes them to the accumulation unit 14. When the accumulation unit 14 receives the plurality of pieces of second correspondence information, it accumulates the plurality of pieces of second correspondence information in the memory unit 11. Note that, while it is preferable that the second correspondence information be transmitted in a lump sum for each predetermined period, such as one hour, one day, or one week, it is not necessary to do so. For example, the second correspondence information may be transmitted each time one or more pieces of sales information are sold.

[0075] In this way, in the information processing device 1, the first correspondence information, the sales object information identifier, and the second correspondence information are stored in the storage unit 11 in response to the receipt of a payment request. Figures 4, 7, and 8 are diagrams showing the sales object information identifier associated with the first correspondence information, the second correspondence information, and the payment result information identifier stored in this way. The first correspondence information shown in Figure 4 is the same as in the specific example described above, and therefore a description thereof will be omitted.

[0076] 7 includes a sales object information identifier and sales object information associated therewith. The sales object information is the same as in the specific example described above, and therefore a description thereof will be omitted.

[0077] 8 shows the payment result information identifier and the corresponding sales target information identifier. In this way, by storing information that associates the payment result information identifier with the sales target information identifier in storage unit 11, the payment result information identified by the payment result information identifier and the sales target information identified by the sales target information identifier are linked.

[0078] Next, assume that user U001 operates his / her user terminal device 3 to make an inquiry about cashless payment on August 1, 2025. Then, a transmission request including a user identifier and the like is transmitted from the user terminal device 3 to the information processing device 1.

[0079] The transmission request sent from the user terminal device 3 is received by the receiving unit 12 of the information processing device 1, and the transmission request and the sender's address are passed to the transmitting unit 15. Upon receiving the transmission request, the transmitting unit 15 searches the plurality of first correspondence information stored in the storage unit 11 using the user identifier "U001" included in the transmission request as a search key, and searches the matched first correspondence information for payment result information using the date "August 1, 2025" included in the transmission request as a search key. As a result, it is assumed that the payment result information included in the first first correspondence information shown in FIG. 4 is found. Then, the transmitting unit 15 reads the payment result information identifier "P001" from the payment result information, and searches the plurality of payment result information identifiers associated with the sales object information identifiers shown in FIG. 8 using the payment result information identifier as a search key, and identifies the sales object information identifier "Q001" associated with the matched payment result information identifier. The transmitting unit 15 also searches the multiple pieces of second correspondence information shown in FIG. 7 using the identified sales object information identifier "Q001" as a search key, and identifies the sales object information contained in the found second correspondence information. The transmitting unit 15 then transmits the information contained in the searched payment result information and the information contained in the identified sales object information to the address previously received from the receiving unit 12. In this way, as in the specific example described above, user U001 will be able to know not only the total amount and the name of the destination for use for the cashless payment on August 1, 2025, but also information about each sales object purchased.

[0080] Although the above description has mainly focused on the case where the store terminal device 2 transmits the second correspondence information related to all payments to the information processing device 1, this is not necessarily the case. For example, only the second correspondence information related to cashless payments may be transmitted to the information processing device 1, or further, only the second correspondence information related to cashless payments performed by the information processing device 1 may be transmitted.

[0081] Furthermore, in the present embodiment, the case where cashless payment is performed on the information processing device 1, i.e., the case where the information processing device 1 is a device of a company that performs cashless payment, has been mainly described, but this is not necessarily the case. The information processing device 1 may be operated by an entity other than the company that performs cashless payment. In this case, the information processing device 1 may not include the payment unit 13. In this case, two or more pieces of first correspondence information and sales object information linked to payment result information generated in a device of a company that performs cashless payment may be transmitted from the device to the information processing device 1, received by the receiving unit 12, and stored in the memory unit 11 by the storage unit 14. The information processing device 1 may also transmit the payment result information and sales object information in response to receiving a transmission request. In this way, when the information processing device 1 is operated by an entity other than the company that performs cashless payment, the first correspondence information including payment result information for multiple payment methods and the sales object information linked to the payment result information may be stored in the memory unit 11. In this case, a user can access the information processing device 1 and check information corresponding to multiple cashless payment methods at once, thereby improving user convenience.

[0082] Furthermore, in the present embodiment, the first correspondence information, the second correspondence information, the sales target information, etc. are stored in the memory unit 11, and as a result, the information processing device 1 and the components included in the information processing device 1 are able to access them. However, this information may be managed, for example, by a device external to the information processing device 1. That is, all or part of the information stored in the memory unit 11 may be managed by an external device. Even in this case, the information processing device 1 is assumed to be able to access the first correspondence information, the second correspondence information, the sales target information, etc. managed by an external device. When the first correspondence information, etc. is managed by an external device, the transmission unit 15 may, for example, transmit a user identifier included in the received transmission request to the external device and receive payment result information associated with the user identifier from the external device. The transmission unit 15 may also receive, for example, sales target information linked to the received payment result information from the external device. For example, the transmitter 15 may transmit the payment result information identifier included in the payment result information to the external device and receive the sales object information associated with the payment result information identifier from the external device. The transmitter 15 may then transmit the payment result information and the sales object information received from the external device to the user terminal device 3. For example, if the first correspondence information and the sales object identifier linked to the payment result information are stored in the memory unit 11 and the second correspondence information is managed by the external device, the transmitter 15 may read the payment result information associated with the user identifier included in the received transmission request and the sales object information identifier linked to the payment result information from the memory unit 11, transmit the sales object information identifier to the external device, and receive the sales object information associated with the sales object information identifier from the external device. The transmitter 15 may then transmit the payment result information read from the memory unit 11 and the sales object information received from the external device to the user terminal device 3.

[0083] Furthermore, in the above embodiments, each process or function may be realized by centralized processing by a single device or a single system, or may be realized by distributed processing by multiple devices or multiple systems.

[0084] Furthermore, in the above embodiments, the transfer of information between components may be performed, for example, by one component outputting information and the other component receiving information if the two components transferring the information are physically different, or by moving from a processing phase corresponding to one component to a processing phase corresponding to the other component if the two components transferring the information are physically the same.

[0085] Furthermore, in the above-described embodiments, information related to the processing performed by each component, such as information accepted, acquired, selected, generated, transmitted, or received by each component, and information such as thresholds, formulas, and addresses used in processing by each component, may be temporarily or long-term stored in a recording medium (not shown), even if not explicitly stated in the above description. Furthermore, the storage of information in the recording medium (not shown) may be performed by each component or a storage unit (not shown). Furthermore, the reading of information from the recording medium (not shown) may be performed by each component or a reading unit (not shown).

[0086] Furthermore, in the above-described embodiments, if the information used by each component, such as thresholds, addresses, and various setting values ​​used by each component in processing, may be changed by the user, the user may or may not be able to change the information as appropriate, even if not explicitly stated in the above description. If the information is changeable by the user, the change may be realized, for example, by a receiving unit (not shown) that receives a change instruction from the user and a changing unit (not shown) that changes the information in accordance with the change instruction. The change instruction may be received by the receiving unit (not shown), for example, from an input device, by receiving information transmitted via a communication line, or by receiving information read from a predetermined recording medium.

[0087] Furthermore, in the above embodiment, when two or more components included in the information processing device 1 have a communication device, an input device, etc., the two or more components may physically have a single device, or may have separate devices.

[0088] In addition, in the above embodiments, each component may be configured by dedicated hardware, or components that can be realized by software may be realized by executing a program. For example, each component may be realized by a program execution unit such as a CPU reading and executing a software program recorded on a recording medium such as a hard disk or semiconductor memory. During execution, the program execution unit may execute the program while accessing a memory unit or recording medium. Note that the software realizing the information processing device in the above embodiments may be, for example, the software described above.

[0089] It should be noted that the functions realized by the program do not include functions that can only be realized by hardware, such as a modem or interface card in a receiving unit that receives information or a transmitting unit that transmits information.

[0090] This program may be executed by being downloaded from a server or the like, or by being read from a predetermined recording medium (for example, an optical disk such as a CD-ROM, a magnetic disk, or a semiconductor memory). This program may also be used as a program constituting a program product.

[0091] Furthermore, the computer that executes this program may be a single computer or multiple computers, and may perform centralized processing or distributed processing.

[0092] 9 is a schematic diagram showing an example of the appearance of a computer that executes the above program to realize the information processing device 1 according to the above embodiment. The above embodiment can be realized by computer hardware and a computer program executed thereon.

[0093] In FIG. 9, computer system 900 comprises a computer 901 including a CD-ROM drive 905 , a keyboard 902 , a mouse 903 , and a monitor 904 .

[0094] 10 is a diagram showing the internal configuration of a computer system 900. In Fig. 10, the computer 901 includes, in addition to a CD-ROM drive 905, an MPU (Micro Processing Unit) 911, a ROM 912 for storing programs such as a boot-up program, a RAM 913 connected to the MPU 911 for temporarily storing instructions for application programs and providing temporary storage space, a hard disk 914 for storing application programs, system programs, and data, and a bus 915 for interconnecting the MPU 911, ROM 912, etc. Note that the computer 901 may also include a network card (not shown) for providing connection to a LAN, WAN, etc.

[0095] A program that causes computer system 900 to execute the functions of information processing device 1 according to the above embodiment may be stored on CD-ROM 921, inserted into CD-ROM drive 905, and transferred to hard disk 914. Alternatively, the program may be transmitted to computer 901 via a network (not shown) and stored on hard disk 914. The program is loaded into RAM 913 when executed. The program may be loaded directly from CD-ROM 921 or the network. The program may also be read into computer system 900 via another recording medium (e.g., a DVD) instead of CD-ROM 921.

[0096] The program does not necessarily include an operating system (OS) or a third-party program that causes the computer 901 to execute the functions of the information processing device 1 according to the above embodiment. The program may include only instructions that call appropriate functions or modules in a controlled manner to achieve the desired results. How the computer system 900 operates is well known, and a detailed description thereof will be omitted.

[0097] Furthermore, the above-described embodiments are merely examples for specifically implementing the present invention, and are not intended to limit the technical scope of the present invention. The technical scope of the present invention is defined by the claims, not by the description of the embodiments, and is intended to include modifications within the literal scope of the claims and within the scope of equivalent meanings. [Explanation of symbols]

[0098] 1. Information processing equipment 11 Storage section 12 Receiving section 13 Payment Department 14 Storage unit 15 Transmitter

Claims

1. An information processing device that can access two or more pieces of first correspondence information that associate a user identifier that identifies a user with payment result information regarding a completion result of a cashless payment for the user, and sales object information that is linked to the payment result information and relates to one or more sales objects that were the subject of the cashless payment corresponding to the payment result information, a receiving unit that receives a transmission request including a user identifier; An information processing device comprising: a transmitting unit that, when a transmission request is received by the receiving unit, transmits payment result information associated with a user identifier included in the transmission request and sales object information linked to the payment result information.

2. The receiving unit also receives a payment request including a user identifier and payment information related to cashless payment, A memory unit; a payment unit that, when a payment request is received by the receiving unit, performs cashless payment according to payment information included in the payment request; The information processing device of claim 1, further comprising: a storage unit that, when the cashless payment by the payment unit is completed, stores in the memory unit first correspondence information that associates a user identifier included in the payment request received by the receiving unit with payment result information regarding the completion result of the cashless payment.

3. The receiving unit also receives sales object information corresponding to the payment request, The information processing device according to claim 2 , wherein when the receiving unit receives the sales object information, the accumulation unit accumulates the sales object information in the storage unit in association with payment result information corresponding to the sales object information.

4. two or more pieces of second correspondence information that associate the sales target information with a sales target information identifier that identifies the sales target information are accessible; The receiving unit also receives a sales object information identifier corresponding to the payment request, The information processing device according to claim 2 , wherein when the receiving unit receives a sales target information identifier, the accumulation unit accumulates the sales target information identifier in the storage unit while linking the sales target information identifier to payment result information corresponding to the sales target information identifier.

5. An information processing method that is processed using a receiving unit, and a transmitting unit that can access two or more pieces of first correspondence information that associate a user identifier that identifies a user with payment result information regarding a completion result of a cashless payment for the user, and sales object information related to one or more sales objects that were the subject of the cashless payment corresponding to the payment result information, which is linked to the payment result information, a step of receiving a transmission request including a user identifier by the receiving unit; an information processing method including a step in which, when a transmission request is received in the step of receiving the transmission request, the transmission unit transmits payment result information associated with the user identifier included in the transmission request and sales object information linked to the payment result information.

6. a computer that can access two or more pieces of first correspondence information that associate a user identifier that identifies a user with payment result information regarding the completion result of a cashless payment for the user, and sales object information that is linked to the payment result information and relates to one or more sales objects that were the subject of the cashless payment corresponding to the payment result information; a receiving unit for receiving a transmission request including a user identifier; A program for causing the receiving unit to function as a transmitting unit that, when a transmission request is received by the receiving unit, transmits payment result information associated with the user identifier included in the transmission request and sales object information linked to the payment result information.

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