阅读说明：本技术 服务器、钱包系统、记录介质以及通知方法 (Server, wallet system, recording medium, and notification method ) 是由 冈崎健志 远藤雅人 栗田真由美 鸟谷雅志 松浦久美子 志子田贵之 大塚政昭 石井仁寿 于 2021-04-20 设计创作，主要内容包括：本公开提供一种能够掌握在店铺中能够使用的电子结算的服务器、钱包系统、记录介质以及通知方法。钱包服务器(1)具备控制部(11),控制部(11)取得用户所进入的进入店铺的店铺位置信息,并且取得将多个店铺的每一个的位置信息与该多个店铺的每一个中能够使用的一种以上的结算方式建立了关联的店铺信息,并且基于店铺位置信息和店铺信息而向用户所持有的终端通知在进入店铺中能够使用的结算方式。(The present disclosure provides a server, a wallet system, a recording medium, and a notification method capable of grasping electronic settlement that can be used in a store. The wallet server (1) is provided with a control unit (11), wherein the control unit (11) acquires store position information of an entry store entered by a user, acquires store information in which the position information of each of a plurality of stores is associated with one or more settlement methods that can be used by each of the plurality of stores, and notifies a terminal held by the user of the settlement methods that can be used by the entry store on the basis of the store position information and the store information.)

1. A server, wherein,

a processor is provided, the processor having hardware,

the processor obtains store position information of an entry store entered by a user, and

the method includes acquiring store information in which position information of each of a plurality of stores is associated with one or more settlement methods usable by each of the plurality of stores, and acquiring the position information of each of the plurality of stores

Notifying a terminal held by the user of a settlement method available in the entry store based on the store position information and the store information.

2. The server of claim 1, wherein,

the processor acquires registration information of one or more settlement methods registered in the terminal, and notifies the terminal of settlement methods available in the entry store based on the registration information, the store location information, and the store information.

3. The server of claim 2, wherein,

the processor determines whether or not the incoming store can be settled using any one of a plurality of settlement methods registered in the terminal based on the registration information, and notifies the terminal of the settlement method that can be used in the incoming store based on the store information when the terminal cannot perform settlement using any one of the plurality of settlement methods registered in the terminal.

4. The server of claim 3, wherein,

the processor activates and displays a settlement method available for use in the entry store on the terminal when settlement can be performed using any one of a plurality of settlement methods registered in the terminal.

5. The server of any one of claim 1 to claim 4,

the terminal includes a position acquisition unit that acquires terminal position information indicating a position of the terminal,

the processor acquires the terminal position information as the store position information.

6. The server of any one of claim 1 to claim 4,

the processor retrieves the store location information transmitted from the entry store to the terminal.

7. The server of any one of claim 1 to claim 4,

the processor acquires the store position information read by the terminal from the two-dimensional information set in the entry store.

8. A wallet system, wherein a wallet unit is provided,

the system is provided with a terminal and a server,

the terminal includes a first processor having hardware, and acquiring store position information of an entry store entered by a user,

the server is provided with a second processor, the second processor having hardware,

the second processor acquires the store position information, acquires store information in which position information of each of a plurality of stores is associated with one or more types of settlement methods that can be used by each of the plurality of stores, and notifies the terminal of the settlement methods that can be used by the entry store based on the store position information and the store information.

9. The wallet system of claim 8,

the second processor acquires registration information of one or more settlement methods registered in the terminal, and notifies the terminal of settlement methods available in the entry store based on the registration information, the store location information, and the store information.

10. The wallet system of claim 9,

the second processor determines whether or not the entering store can perform settlement using any one of a plurality of settlement methods registered in the terminal based on the registration information, and notifies the terminal of the settlement method that can be used in the entering store based on the store information when the settlement cannot be performed using any one of the plurality of settlement methods registered in the terminal.

11. The wallet system of claim 10,

the second processor activates and displays a settlement method available in the entry store on the terminal when settlement can be performed using any one of a plurality of settlement methods registered in the terminal.

12. The wallet system as claimed in any one of claim 8 to claim 11,

the terminal includes a position acquisition unit that acquires terminal position information indicating a position of the terminal,

the second processor acquires the terminal position information as the store position information.

13. The wallet system as claimed in any one of claim 8 to claim 11,

the first processor acquires the store location information transmitted from the entry store,

the second processor retrieves the store location information transmitted from the entry store to the terminal.

14. The wallet system as claimed in any one of claim 8 to claim 11,

the first processor acquires the store position information read from the two-dimensional information set in the entry store,

the second processor obtains the store location information from the terminal.

15. A recording medium having a program recorded thereon, the program causing a processor having hardware to execute:

obtaining store position information of an entrance store entered by a user,

store information is acquired in which position information of each of a plurality of stores is associated with one or more settlement methods usable by each of the plurality of stores,

notifying a terminal held by the user of a settlement method available in the entry store based on the store position information and the store information.

16. The recording medium of claim 15, wherein,

the program causes the processor to execute processing of:

acquiring registration information of one or more settlement systems registered in the terminal,

notifying the terminal of a settlement method available for use in the entry store based on the registration information, the store location information, and the store information.

17. The recording medium of claim 16, wherein,

the program causes the processor to execute processing of:

determining whether or not settlement is possible in the entry store using any one of a plurality of settlement methods registered in the terminal based on the registration information,

when settlement cannot be performed using any one of a plurality of settlement methods registered in the terminal, the terminal is notified of the settlement method available in the entry store based on the store information.

18. The recording medium of claim 17,

the program causes the processor to execute processing of:

when settlement is possible using any one of the plurality of types of settlement methods registered in the terminal, the terminal is activated and displayed with the settlement method available in the entry store.

19. The recording medium of any one of claim 15 through claim 18,

the terminal includes a position acquisition unit that acquires terminal position information indicating a position of the terminal,

the program causes the processor to execute processing of: the terminal position information is acquired as the store position information.

20. A notification method performed by a processor having hardware, wherein,

the processor acquires store position information of an entry store entered by a user, acquires store information in which position information of each of a plurality of stores is associated with one or more settlement methods available to each of the plurality of stores, and notifies a terminal held by the user of a settlement method available to the entry store based on the store position information and the store information.

Technical Field

The present disclosure relates to a server, a wallet system, a program, and a notification method.

Background

In patent document 1, a user performs a settlement process of a payment amount by a preset electronic settlement with a high priority, and if the payment amount cannot be settled for the entire amount, the user performs a settlement process of a remaining amount by an electronic settlement with a next high priority.

Prior art documents

Patent document

Patent document 1: japanese patent laid-open publication No. 2019-128781

Disclosure of Invention

Problems to be solved by the invention

However, when a user performs electronic settlement in a store, the user confirms and settles the electronic settlement available in the store at a time. Therefore, a technique is desired in which a user can grasp an electronic settlement that can be used in a store.

The present disclosure has been made in view of the above circumstances, and an object thereof is to provide a server, a wallet system, a program, and a notification method that can grasp electronic settlement that can be used in a store.

Means for solving the problems

The server according to the present disclosure includes a processor having hardware, the processor acquiring store position information of an entry store entered by a user, acquiring store information in which position information of each of a plurality of stores is associated with one or more settlement methods usable in each of the plurality of stores, and notifying a terminal held by the user of a settlement method usable in the entry store based on the store position information and the store information.

The wallet system according to the present disclosure includes a terminal including a first processor having hardware, the first processor acquiring store position information of an entry store to which a user enters, and a server including a second processor having hardware, the second processor acquiring the store position information, acquiring store information in which position information of each of a plurality of stores and one or more types of settlement methods that can be used by each of the plurality of stores are associated, and notifying the terminal of the settlement methods that can be used by the entry store based on the store position information and the store information.

Further, a recording medium according to the present disclosure records a program that causes a processor having hardware to execute: the method includes the steps of acquiring store position information of an entry store entered by a user, acquiring store information in which position information of each of a plurality of stores is associated with one or more settlement methods available to each of the plurality of stores, and notifying a terminal held by the user of the settlement methods available to the entry store based on the store position information and the store information.

The notification method according to the present disclosure is executed by a processor having hardware, the processor acquiring store position information of an entry store entered by a user, acquiring store information in which position information of each of a plurality of stores is associated with one or more settlement methods available to each of the plurality of stores, and notifying a terminal held by the user of a settlement method available to the entry store based on the store position information and the store information.

Effects of the invention

According to the present disclosure, it is possible to grasp an effect of electronic settlement usable in a store.

Drawings

Fig. 1 is a diagram schematically showing a configuration of a wallet system according to an embodiment.

Fig. 2 is a block diagram showing details of each component of the wallet system according to the embodiment.

Fig. 3 is a flowchart showing an outline of processing executed by the wallet server according to one embodiment.

Fig. 4 is a diagram showing an example of a settlement screen displayed on the display unit by the display control unit of the user terminal according to the embodiment.

Detailed Description

Hereinafter, a wallet system provided with a store terminal according to an embodiment of the present disclosure will be described with reference to the drawings. The present disclosure is not limited to the following embodiments.

< summary of wallet System >

Fig. 1 is a diagram schematically showing a configuration of a wallet system according to an embodiment. Fig. 2 is a block diagram showing details of each component of the wallet system according to the embodiment. The wallet system 100 shown in fig. 1 and 2 is provided with a wallet server 1, a settlement operator server 2, a user terminal 3, and a store terminal 4. In the wallet system 100, the wallet server 1, the settlement operator server 2, the user terminal 3, and the store terminal 4 are configured to be able to communicate with each other through a network NW. The network NW is configured by, for example, an internet network, a cellular phone network, or the like.

Structure of wallet server

First, the configuration of the wallet server 1 will be explained. The wallet server 1 is a server for comprehensively managing the wallet system 100. The wallet server 1 includes a control unit 11 (second processor), a communication unit 12, and a storage unit 13.

The control unit 11 controls each unit constituting the wallet server 1. The control Unit 11 includes a processor having hardware such as a CPU (Central Processing Unit) and an FPGA (Field-Programmable Gate Array), and a Memory (main storage Unit) including a RAM (Random Access Memory) and a ROM (Read Only Memory). The control unit 11 loads the program stored in the storage unit 13 into the work area of the main storage unit to execute the program, and controls each unit by executing the program.

The communication unit 12 is connected to a network NW such as the internet, which is a public communication network, and communicates with the settlement operator server 2, the user terminal 3, and the store terminal 4 via the network NW. The communication unit 12 is realized using, for example, a Local Area Network (LAN) interface board, a wireless communication circuit for wireless communication, or the like.

The storage unit 13 stores various programs executed by the wallet server 1. The storage unit 13 is implemented using an HDD (Hard Disk Drive), an SSD (Solid State Drive), or the like. Further, the storage unit 13 includes: a user information storage part 131, a wallet information storage part 132, a settlement information storage part 133, and a store information storage part 134 (memory) of each user who uses the wallet system 100.

The user information storage section 131 stores user information relating to a user who utilizes the wallet system 100. Examples of the user information include a user ID, a password, a user name, a user contact address (e.g., an address, a telephone number, an email address, etc.), user terminal information (IP address), a user registration history, information related to a payment method registered as a deposit method, registration information indicating a plurality of payment methods (settlement application names) registered as a settlement method of the user terminal 3, and a secret code at the time of settlement, which are registered by the wallet system 100. The user ID and the password in the user information storage unit 131 are used for authentication processing such as login to the wallet server 1.

The wallet information storage section 132 stores wallet information relating to wallets of the wallet system 100. The wallet is a virtual deposit and withdrawal account for electronic money. Specifically, the wallet information includes, for example, a user ID, a balance of electronic money, a deposit history of electronic money, a use history of electronic money, and the like.

The settlement information storage unit 133 stores settlement information related to settlement of the wallet system 100. The settlement information includes a user ID, a settlement method used for settlement (e.g., electronic money payment (contactless settlement), scanning payment, code payment, and the like), and a settlement history.

The store information storage unit 134 stores store information in which the position information of each of the plurality of stores is associated with one or more types of settlement methods that can be used in each of the plurality of stores. In addition to the location information (address) of the store, the store information storage unit 134 may store a store name, an industry (for example, a convenience store, a grocery store, and the like), a telephone number, and the like.

Structure of settlement operator server

Next, the structure of the operator server 2 will be explained. The settlement operator server 2 is a server for managing an account of a user and a credit card. The settlement operator server 2 is provided at, for example, a financial institution (e.g., a bank, a credit vault, a credit cooperative, a labor vault, etc.) and a credit card company. The settlement operator server 2 includes a control unit 21, a communication unit 22, and a storage unit 23. The control unit 21, the communication unit 22, and the storage unit 23 have the same functions as the control unit 11, the communication unit 12, and the storage unit 13, and therefore detailed description thereof is omitted.

The storage unit 23 stores therein account information and credit card information for each user of the wallet system 100. The account information includes, for example, a name, an account number, an account balance, and a deposit/withdrawal history of the user. The credit card information includes, for example, the name of the user, the credit card number, the validity period of the credit card, the usage limit, and the card usage history.

< Structure of user terminal >

Next, the configuration of the user terminal 3 will be explained. Examples of the user terminal 3 include a smartphone, a mobile phone, a tablet terminal, a wearable computer, a personal computer, and a car navigation system mounted in a vehicle, which are held by a user. The user terminal 3 may be any terminal as long as it can perform information interaction with the wallet server 1.

The user terminal 3 includes a control unit 31 (first processor), a communication unit 32, a storage unit 33, a short-range wireless communication unit 34, a display unit 35 (display), an operation unit 36, an imaging unit 37, and a position acquisition unit 38. Since the communication unit 32 has the same function as the communication unit 12, detailed description thereof is omitted.

The control unit 31 controls each unit constituting the user terminal 3. The control unit 31 includes: a processor having hardware such as a CPU and a DSP, and a memory (main storage unit) including a RAM, a ROM, and the like. The control unit 31 loads the program stored in the storage unit 33 into the work area of the main storage unit to execute the program, and controls each unit by executing the program. The control unit 31 functions as the display control unit 311 by executing the program.

The display control unit 311 controls the display content on the display unit 35. The display control unit 311 displays a member registration screen when the user registers a member, a login screen when the user logs in to the wallet system 100, a deposit screen when electronic money is deposited in a wallet, a settlement screen when settlement is performed, and the like on the display unit 35 based on an operation (a touch operation, a slide operation, a pinch (ping) operation, a click operation, and the like) of the operation unit 36 by the user. Further, the display control section 311 switches each screen based on an operation by the user.

The storage unit 33 stores data of various screens that the display control unit 311 causes the display unit 35 to display. The storage unit 33 is implemented using an HDD, an SSD, or the like. The storage unit 33 includes a user information storage unit 131, a wallet information storage unit 132, a settlement information storage unit 133, a store information storage unit 134, and the like as necessary.

The short-range wireless communication unit 34 has a communication function conforming to standards such as NFC (Near field radio communication), BLE (Bluetooth (registered trademark) Low Energy), and IrDA (Infrared Data Association). The user terminal 3 performs short-range wireless communication with the store terminal 4 via the short-range wireless communication unit 34, for example, when paying electronic money.

The Display unit 35 is implemented using a liquid crystal Display, an Organic EL Display (Organic electroluminescence Display), or the like, and displays various information and images under the control of the control unit 31.

The operation unit 36 is realized using a touch panel, buttons, switches, and the like, receives an operation performed by a user, and outputs a content corresponding to the received operation to the control unit 31.

The imaging unit 37 captures a predetermined field of view, and outputs the captured image (image data) to the control unit 31. The imaging unit 37 is implemented using one or more lenses, a CCD (Charge Coupled Device) sensor, a CMOS (Complementary Metal Oxide Semiconductor) sensor, or other image sensors.

The position acquisition unit 38 acquires position information (terminal position information) related to the current position of the user terminal 3, and outputs the acquired position information to the control unit 31. The position acquisition unit 38 is implemented using a GPS sensor, receives signals from a plurality of GPS satellites and transmission antennas, and acquires position information of the user terminal 3 based on the received signals.

< Structure of shop terminal >

Next, the structure of the store terminal 4 will be explained. The store terminals 4 are provided at stores (member stores) that can utilize the wallet system 100. The store terminal 4 includes a control unit 41, a communication unit 42, a storage unit 43, and a short-range wireless communication unit 44. The control unit 41, the communication unit 42, the storage unit 43, and the short-range wireless communication unit 44 have the same configuration as the control unit 11, the communication unit 12, the storage unit 13, and the short-range wireless communication unit 34, and therefore, detailed description thereof is omitted.

< processing performed by wallet Server >

Next, a process performed by the wallet server 1 will be explained. Fig. 3 is a flowchart showing an outline of processing performed by the wallet server 1.

As shown in fig. 3, the control unit 11 acquires store position information of an entry store entered by the user (step S1). Specifically, the control unit 11 acquires the location information acquired by the location acquisition unit 38 of the user terminal 3 as store location information via the network NW. Here, the store location information refers to an address indicating a location of an entry store, a store name, and the like. The control unit 11 may acquire store location information transmitted to the user terminal 3 from a wireless communication device (for example, a device capable of Wi-Fi communication or a device capable of Bluetooth (registered trademark)) entering the store, which the user terminal 3 enters, via the network NW. Further, the control unit 11 may acquire the store position information read by the imaging unit 37 of the user terminal 3 from a two-dimensional code (for example, a QR code (registered trademark)) provided in the entering store via the network NW.

After that, the control unit 11 acquires registration information indicating a plurality of settlement systems registered in the user terminal 3 (step S2). Specifically, the control unit 11 acquires the user ID of the user terminal 3 and registration information indicating a plurality of types of settlement methods registered in the user terminal 3 from the user information storage unit 131.

Next, the control unit 11 determines whether or not the incoming store to which the user enters can be settled using any of the plurality of settlement methods registered in the user terminal 3, based on the registration information of the user terminal 3 (step S3), and if the incoming store to which the user enters can be settled using any of the plurality of settlement methods registered in the user terminal 3 (step S3: yes), the wallet server 1 proceeds to step S4 described later. On the other hand, if the user cannot settle in any of the plurality of settlement methods registered in the user terminal 3 in the entrance store (no in step S3), the wallet server 1 proceeds to step S5 described later.

In step S4, the control unit 11 notifies the user terminal 3 of the settlement method that can be used in the entry store based on the store position information and the settlement information. Specifically, as shown in fig. 4, the control unit 11 notifies the user terminal 3 of a settlement method that can be used when entering the store. In this case, as shown in fig. 4, the display unit 35 of the user terminal 3 activates and displays the settlement method available for entry into the store on the settlement method selection screen 35 a. Here, the active display is to highlight a character in a manner more conspicuous than other characters by enlarging the font, changing the font color, displaying characters, displaying an avatar, inverting the background color (highlighting), and the like. For example, in the case shown in fig. 4, the display unit 35 of the user terminal 3 causes "a Pay" and "B Pay" to be actively displayed under the control of the display control unit 311. Further, as shown in fig. 4, the display section 35 of the user terminal 3 superimposes "x" on the display regions of "C Pay" to "F Pay" and inactivates the display thereof, based on the control of the display control section 311. The display unit 35 of the user terminal 3 displays the remaining balance of each settlement system under the control of the display control unit 311. This allows the user to grasp the available settlement method in the entered store. In addition, the user can intuitively grasp the available settlement method in the entered store. After step S4, the wallet server 1 ends the present process. Further, the control unit 11 may notify the user terminal 3 of only the settlement method that can be used in the entrance store and is most used in the user terminal 3 among the plurality of settlement methods registered in the user terminal 3 based on the user information and the registration information. Of course, the control unit 11 may notify the user terminal 3 of only the settlement method that is available in the entrance store and has the largest remaining amount among the plurality of settlement methods registered in the user terminal 3 based on the user information and the registration information.

In step S5, the control unit 11 notifies the entering store, to which the user terminal 3 enters, of the available settlement method based on the store position information and the settlement information. Thus, the wallet server 1 can not only grasp the settlement method available in the entry store, but also induce the registration of the settlement method available in the entry store. After step S5, the wallet server 1 ends the present process.

According to the above-described embodiment, the control unit 11 notifies the user terminal 3 of the settlement method that can be used in the entry store based on the store position information acquired from the user terminal 3 and the store information stored in the store information storage unit 134 of the storage unit 13, so that the user can grasp the settlement method that can be used in the store.

Further, according to one embodiment, the control unit 11 acquires registration information of one or more types of settlement systems registered in the user terminal 3 and notifies the user terminal 3 of the settlement system based on the registration information, the store location information, and the store information, so that the user can grasp the settlement system that can be used in the registered settlement systems.

Further, according to one embodiment, when settlement cannot be performed using any one of the plurality of settlement methods registered in the user terminal 3, the control unit 11 notifies the settlement method available in the entry store based on the store information, so that the user can grasp the settlement method available in the store.

Further, according to one embodiment, when settlement is possible using any one of a plurality of types of settlement methods registered in the user terminal 3, the control unit 11 activates and displays a settlement method that can be used in the entry store on the user terminal 3, so that the user can easily grasp the settlement method that can be used in the store.

Further, according to one embodiment, the control unit 11 acquires the position information acquired by the position acquisition unit 38 of the user terminal 3 as the store position information, and thus can grasp the position of the entry store where the user enters.

Further, according to one embodiment, since the control unit 11 acquires the store position information transmitted from the entry store to the user terminal 3, it is possible to reliably grasp the position of the entry store entered by the user.

Further, according to one embodiment, since the control unit 11 acquires the store position information read from the two-dimensional information set in the entry store by the user terminal 3, it is possible to reliably grasp the position of the entry store where the user enters.

< other embodiments >

In the wallet system according to one embodiment, the "unit" can be rewritten as a "circuit" or the like. For example, the control unit can be rewritten as a control circuit.

The program executed by the wallet system according to one embodiment is recorded and provided in a computer-readable recording medium such as a CD-ROM, a Floppy Disk (FD), a CD-R, DVD (Digital Versatile Disk), a USB medium, or a flash memory as file data in an installable format or an executable format.

The program to be executed by the wallet system according to one embodiment may be stored in a computer connected to a network such as the internet and may be provided by being downloaded via the network.

In the description of the flowcharts in the present specification, the expressions such as "first", "next", "subsequent", and the like are used to clearly show the context of the processing between the steps, but the order of the processing required to implement the present embodiment is not uniquely determined by these expressions. That is, the order of the processes in the flowcharts described in the present specification may be changed within a range where no contradiction occurs.

Further effects and modifications can be easily derived by those skilled in the art. The broader aspects of the present invention are not limited to the specific details and representative embodiments shown and described above. Therefore, various modifications can be made without departing from the spirit or scope of the general inventive concept defined by the claims and their equivalents.

Description of the symbols

1 wallet server

2 Settlement operator server

3 user terminal

4 shop terminal

11. 21, 31, 41 control unit

12. 22, 32, 42 communication part

13. 23, 33, 43 storage unit

34. 44 short-distance wireless communication unit

35 display part

36 operating part

37 image pickup unit

38 position acquisition unit

100 wallet system

131 user information storage unit

132 wallet information storage unit

133 settlement information storage unit

134 store information storage

An NW network.