阅读说明：本技术 记录介质、结算系统以及结算服务器 (Recording medium, settlement system, and settlement server ) 是由 真屋朋和 山室直树 仲谷勇希 三宅浩介 水野奏司 古畑康 成田匡孝 竹原康博 于 2021-05-26 设计创作，主要内容包括：本公开提供一种提升电子货币的便利性的记录介质、结算系统以及结算服务器。结算服务器使具有硬件的处理器执行如下处理,即：向显示器输出对根据收费停车场中的驻车时间的经过而增加的停车费与结算方法的余额进行比较而获得的信息。(The present disclosure provides a recording medium, a settlement system, and a settlement server that improve convenience of electronic money. The settlement server causes a processor having hardware to execute processing of: information obtained by comparing a parking fee increased according to the passage of the parking time in the charged parking lot with the balance of the settlement method is output to the display.)

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

information obtained by comparing a parking fee increased according to the passage of the parking time in the charged parking lot with the balance of the settlement method is output to the display.

2. The recording medium of claim 1,

the settlement program causes the processor to execute:

and acquiring the warehousing time when the vehicle warehouses in the toll parking lot.

3. The recording medium of claim 1 or claim 2,

the settlement program causes the processor to execute:

and acquiring a fee system of the charging parking lot.

4. The recording medium of any one of claim 1 through claim 3,

the settlement program causes the processor to execute:

calculating a parkable time that can be parked in the toll parking lot within the range of the balance, and

outputting a warning message to the display if the time until the parkable time is less than a predetermined time.

5. The recording medium of any one of claim 1 through claim 4,

the settlement program causes the processor to execute:

calculating a moving time required for moving from the current location to the toll parking lot, and

and outputting a warning message to the display when the time until the parking available time is less than the sum of the moving time and a predetermined time.

6. The recording medium of any one of claim 1 through claim 5,

the settlement program causes the processor to execute:

and outputting a moving path from the current location to the toll parking lot to the display.

7. The recording medium of any one of claim 1 through claim 6,

the settlement program causes the processor to execute:

accepts a settlement request for a predetermined settlement amount,

judging whether the sum of the settlement amount and the parking fee exceeds the balance, and

and in the case that the sum is judged to exceed the balance, outputting a warning message to the display.

8. A settlement system is provided with:

a settlement server having a first processor with hardware;

a terminal having a second processor and a display, the second processor having hardware,

the first processor causes the display to display information obtained by comparing a parking fee increased according to the passage of a parking time in a charged parking lot with a balance of a settlement method.

9. The settlement system as claimed in claim 8, wherein,

the first processor acquires the warehousing time when the vehicle warehouses in the toll parking lot.

10. The settlement system according to claim 8 or claim 9, wherein,

the first processor obtains a fee system of the toll parking lot.

11. The settlement system according to any one of claim 8 to claim 10,

the first processor performs the following processing:

calculating a parkable time that can be parked in the toll parking lot within the range of the balance, and

and displaying a warning message on the display when the time until the parking available time is less than a predetermined time.

12. The settlement system according to any one of claim 8 to claim 11, wherein,

the first processor performs the following processing:

calculating a moving time required for moving from the current location to the toll parking lot, and

and displaying a warning message on the display when the time until the parking available time is less than the sum of the moving time and a predetermined time.

13. The settlement system according to any one of claim 8 to claim 12, wherein,

the first processor causes the display to display a moving path from a current location to the toll parking lot.

14. The settlement system according to any one of claim 8 to claim 13, wherein,

the first processor performs the following processing:

accepts a settlement request for a predetermined settlement amount,

judging whether the sum of the settlement amount and the parking fee exceeds the balance, and

and in the case that the sum is judged to exceed the balance, causing a warning message to be displayed on the display.

15. A settlement server, wherein,

a processor is provided, the processor having hardware,

the processor causes the display to display information obtained by comparing a parking fee increased according to the passage of the parking time in the charged parking lot with the balance of the settlement method.

16. The settlement server of claim 15, wherein,

and the processor acquires the warehousing time when the warehouse enters the toll parking lot.

17. The settlement server according to claim 15 or claim 16, wherein,

the processor obtains a fee system for the pay parking lot.

18. The settlement server according to any one of claim 15 to claim 17, wherein,

the processor performs the following processing:

calculating a parkable time that can be parked in the toll parking lot within the range of the balance, and

and displaying a warning message on the display when the time until the parking available time is less than a predetermined time.

19. The settlement server according to any one of claim 15 to claim 18, wherein,

the processor performs the following processing:

calculating a moving time required for moving from the current location to the toll parking lot, and

and displaying a warning message on the display when the time until the parking available time is less than the sum of the moving time and a predetermined time.

20. The settlement server according to any one of claim 15 to claim 19, wherein,

the processor performs the following processing:

accepts a settlement request for a predetermined settlement amount,

judging whether the sum of the settlement amount and the parking fee exceeds the balance, and

and in the case that the sum is judged to exceed the balance, causing a warning message to be displayed on the display.

Technical Field

The present disclosure relates to a recording medium, a settlement system, and a settlement server.

Background

Patent document 1 discloses a device for displaying an elapsed time and a parking fee when a vehicle is parked in a toll parking lot on a display unit of a portable terminal. According to this technique, the user is allowed to know the parking fee even if he leaves the vehicle.

Prior art documents

Patent document

Patent document 1: japanese patent laid-open publication No. 2004-69551

Disclosure of Invention

Problems to be solved by the invention

Convenience of electronic money for settling a parking fee is required to be improved.

The present disclosure has been made in view of the above circumstances, and an object thereof is to provide a recording medium, a settlement system, and a settlement server that improve convenience of electronic money.

Means for solving the problems

A recording medium according to the present disclosure records a settlement program that causes a processor having hardware to execute: information obtained by comparing a parking fee increased according to the passage of the parking time in the charged parking lot with the balance of the settlement method is output to the display.

The settlement system according to the present disclosure includes: a settlement server having a first processor with hardware; and a terminal having a second processor having hardware and a display, the first processor causing the display to display information obtained by comparing a parking fee increased according to the passage of the parking time in the charged parking lot with a balance of a settlement method.

The settlement server according to the present disclosure includes a processor having hardware, and the processor causes a display to display information obtained by comparing a parking fee increased according to the elapse of a parking time in a charged parking lot with a balance of a settlement method.

Effects of the invention

According to the present disclosure, convenience of electronic money can be improved.

Drawings

Fig. 1 is a diagram schematically showing the configuration of a wallet system including a settlement server according to the embodiment.

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

Fig. 3 is a diagram schematically showing a relationship between a wallet and a settlement method in a wallet system including a settlement server according to an embodiment.

Fig. 4 is a diagram showing an example of displaying a list of a plurality of settlement methods in the operation/display unit of the user terminal in the settlement server according to the embodiment.

Fig. 5 is a diagram showing an example of displaying a warning display screen on an operation/display unit of a user terminal in the settlement server according to the embodiment.

Fig. 6 is a diagram showing an example of displaying a warning display screen on an operation/display unit of a user terminal in the settlement server according to the embodiment.

Fig. 7 is a diagram showing an example of displaying a warning display screen on an operation/display unit of a user terminal in the settlement server according to the embodiment.

Fig. 8 is a diagram showing an example of displaying a warning display screen on an operation/display unit of a user terminal in the settlement server according to the embodiment.

Detailed Description

A recording medium, a settlement system, and a settlement server according to embodiments of the present disclosure will be described with reference to the drawings. The components in the following embodiments include components that can be easily replaced by those skilled in the art, or substantially the same components.

(wallet system)

The configuration of a wallet system that executes a settlement program according to the present embodiment will be described with reference to fig. 1 and 2. As shown in fig. 1, the wallet system has a wallet server 1, a settlement operator server 2, a user terminal 3, and a store terminal 4.

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 via a network NW. The network NW is configured by, for example, an internet network, a mobile phone network, or the like.

(wallet server)

The wallet server 1 is a server for comprehensively managing a wallet system in which a plurality of settlement methods are registered, and is managed by an administrator of the wallet system. However, the wallet server 1 may be a settlement server having a settlement method registered therein. As shown in fig. 2, the wallet server 1 includes a control unit (first processor) 11, a communication unit 12, and a storage unit 13.

Specifically, the control Unit 11 includes a Processor including a CPU (Central Processing Unit), a DSP (Digital Signal Processor), an FPGA (Field-Programmable Gate Array), and the like, and a Memory (main storage Unit) including a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The control unit 11 loads and executes the program stored in the storage unit 13 into a work area of the main storage unit, and controls each component and the like by executing the program, thereby realizing a function suitable for a predetermined purpose.

The communication unit 12 is configured by, for example, a lan (local Area network) interface board, a wireless communication circuit for performing wireless communication, and the like. The communication unit 12 is connected to a network NW such as the internet as a public communication network. The communication unit 12 is connected to the network NW, and thereby performs communication with the settlement operator server 2, the user terminal 3, and the store terminal 4.

The storage unit 13 is configured by a recording medium such as an EPROM (Erasable Programmable ROM), a Hard Disk Drive (HDD), and a removable medium. Examples of the removable medium include disk recording media such as a USB (Universal Serial Bus) memory, a CD (Compact Disc), a DVD (Digital Versatile Disc), and a BD (Blu-ray Disc). The storage unit 13 may store an Operating System (OS), various programs, various tables, various databases, and the like. The storage unit 13 according to the present embodiment stores user information 131, wallet information 132, and settlement information 133 for each user of the wallet system.

The user information 131 is information related to a user who utilizes the wallet system. Examples of the user information 131 include a user ID, a password, a user name, a user contact address (for example, an address, a telephone number, an email address, and the like), information on a settlement method registered using a login history, information on another settlement method registered for depositing to the settlement method, and a secret code at the time of settlement, of a user who has performed a login using the wallet system. The user ID and the password in the user information 131 are used for authentication processing such as login to the wallet server 1.

Wallet information 132 is information related to the wallet of the wallet system. The wallet is an application program for managing virtual deposit and withdrawal using various payment methods such as credit cards and electronic money. Examples of the wallet information 132 include a user ID, a settlement method, a balance of electronic money, a deposit history of electronic money, and a use history of electronic money.

The settlement information 133 is information related to settlement of the wallet system. The settlement information 133 includes a user ID, a settlement method used for settlement (for example, electronic money payment (non-contact settlement), scanning payment, code payment, and the like), a settlement history, and the like.

(Settlement operator server)

The settlement operator server 2 is a server for managing an account of a user and a credit card, and is provided in 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 are physically similar to the control unit 11, the communication unit 12, and the storage unit 13.

The storage unit 23 stores account information and credit card information of each user of the wallet system. 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 expiration date of the credit card, the usage limit, and the card usage history.

(user terminal)

The user terminal 3 is a computer terminal used by a user. 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 device mounted in a vehicle owned by a user. The user terminal 3 may be any terminal as long as it can exchange information with the wallet server 1.

The user terminal 3 includes a control unit (second processor) 31, a communication unit 32, a storage unit 33, a short-range wireless communication unit 34, and an operation/display unit (display) 35. The control unit 31, the communication unit 32, and the storage unit 33 are physically similar to the control unit 11, the communication unit 12, and the storage unit 13. The control unit 31 functions as a display control unit 311, a deposit method registration unit 312, a settlement method registration unit 313, a deposit processing unit 314, and a settlement processing unit 315 by executing programs.

The display control section 311 controls the display contents on the operation/display section 35. The display control unit 311 displays a member login screen when the user logs in to the wallet system, a deposit screen when the user deposits electronic money into the wallet, a settlement method selection screen 35a (see fig. 4) when the user performs settlement, a warning display screen 35b (see fig. 5 to 8) for displaying a warning message, and the like on the operation/display unit 35 based on the user's operation (touch operation, tap operation, and the like). Further, the display control section 311 shifts each screen based on an operation by the user.

The deposit method registration unit 312 registers a deposit method for depositing on electronic money. Specifically, the depositing method registration unit 312 transmits a depositing method registration request for registering a plurality of different settlement methods (e.g., bank accounts, credit cards, etc.) operated by a plurality of operators as a depositing method for depositing into electronic money, to the wallet server 1. The control unit 11 of the wallet server 1 that received the deposit method registration request from the deposit method registration unit 312 registers the settlement method included in the deposit method registration request as the user information 131 in the storage unit 13, thereby registering the settlement method as the deposit method.

Here, fig. 3 is a diagram schematically showing a relationship between a wallet and a settlement method in the wallet system. "settlement method" means the principal payment (source of funds) at which settlement is effected. In the wallet, a plurality of settlement methods such as "a Pay" as settlement realized by a bank account, "B Pay" as settlement realized by a credit card, and "C Pay" and "D Pay" as settlement realized by electronic money are registered. "A Pay" is a settlement method in which the settlement amount is deducted directly from the bank account. In addition, a bank account is attached to each credit card ("B Pay"), and the amount of money to be used for each card is deducted from the bank account at a later date. Further, a method of depositing a credit card or the like and a bank account as a method of depositing to electronic money are attached to electronic money ("C Pay"), thereby enabling depositing to electronic money. In addition, when the electronic money ("D Pay") is a prepaid system in which money is previously deposited in the form of cash or the like, the electronic money may not be associated with a method of depositing money such as a bank account or a credit card.

Then, the settlement is performed between the user terminal 3 and the store terminal 4 by a settlement method selected by the user from these settlement methods. Specifically, a settlement method is executed, such as settlement performed in a non-contact manner between the short-range wireless communication unit 34 of the user terminal 3 and the short-range wireless communication unit 44 of the store terminal 4 by covering the user terminal 3 to the store terminal 4, settlement performed by reading a barcode or a QR code (registered trademark) displayed on the store terminal 4 with a camera of the user terminal 3 or the like, settlement performed by reading a barcode or a QR code (registered trademark) displayed on the user terminal 3 with a code reader of the store terminal 4 or the like.

The settlement method registration unit 313 registers various settlement methods. The settlement method registration part 313 transmits a settlement method registration request for registering a settlement method to the wallet server 1. The control unit 11 of the wallet server 1 that received the settlement method registration request from the settlement method registration unit 313 stores the settlement method included in the settlement method registration request as the user information 131 in the storage unit 13, and registers the settlement method as the settlement method.

The deposit processing section 314 deposits electronic money of the wallet. Specifically, the deposit processing section 314 transmits a deposit request for depositing on electronic money to the wallet server 1 by a settlement method registered as a depositing method. The control section 11 of the wallet server 1 that received the deposit request from the deposit processing section 314 increases the balance of the electronic money in the wallet based on the deposit amount information included in the deposit request. That is, the control section 11 updates the wallet information 132 stored in the storage section 13 in accordance with the amount of increase in the balance of the electronic money in the wallet.

The settlement processing unit 315 executes settlement realized by the settlement method selected by the user. Specifically, the settlement processing unit 315 transmits a settlement request to the store terminal 4 through the short-range wireless communication unit 34 as a settlement method. As a settlement method, the settlement processing unit 315 may read a barcode or a QR code (registered trademark) displayed on the store terminal 4 by a camera of the user terminal 3 or the like, and transmit a settlement request to the store terminal 4. As a settlement method, the settlement processing unit 315 may transmit a settlement request to the store terminal 4 by reading a barcode or a QR code (registered trademark) displayed on the user terminal 3 by a code reader of the store terminal 4. The settlement request transmitted from the settlement processing unit 315 to the store terminal 4 may or may not include information indicating the settlement amount (hereinafter, referred to as "settlement amount information").

Next, when the settlement processing unit 315 performs settlement by a bank account or a credit card, it transmits a settlement request for performing settlement by any one of the settlement methods to the wallet server 1. The control part 11 of the wallet server 1 that received the settlement request from the settlement processing part 315 transmits the settlement amount information included in the settlement request to the settlement operator server 2.

When the settlement processing unit 315 performs settlement using electronic money, the control unit 41 of the store terminal 4 transmits a settlement request including the settlement amount information to the wallet server 1 via the network NW. The control unit 11 of the wallet server 1 that received the settlement request from the store terminal 4 reduces the balance of the electronic money in the wallet based on the settlement amount information included in the settlement request. That is, the control unit 11 updates the wallet information 132 and the settlement information 133 stored in the storage unit 13 in accordance with the amount of decrease in the balance of the electronic money in the wallet.

The storage unit 33 stores data of various screens that the display control unit 311 causes to display on the operation/display unit 35. The storage unit 33 temporarily stores user information 131, wallet information 132, settlement information 133, and the like as necessary.

The short-range wireless communication unit 34 has a communication function according to standards such as NFC (Near field communication), BLE (Bluetooth (registered trademark) Low Energy), IrDA (Infrared Data Association) and the like. 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 performing settlement using electronic money.

The operation/display unit 35 is configured by, for example, a touch panel display, and has an input function of receiving an operation performed by a finger of the first user, a pen, or the like, and a display function of displaying various information under the control of the display control unit 311.

(shop terminal)

The store terminal 4 is provided in a store (member store) capable of using a wallet system, for example. However, the store terminal 4 may be a server that functions as a virtual store (so-called Electronic Commerce website) opened on the internet. 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 are physically similar to the control unit 11, the communication unit 12, the storage unit 13, and the short-range wireless communication unit 34.

Hereinafter, display control performed by the display control unit 311 with respect to the operation/display unit 35 in the wallet system including the wallet server 1 according to the present embodiment will be described with reference to fig. 4 to 8.

(display control of Settlement Screen)

First, the user terminal 3 acquires information specifying a toll parking lot where the user parks the vehicle. Specifically, for example, the user terminal 3 acquires information specifying a toll parking lot in which the user parks the vehicle by performing communication in a non-contact manner between the user terminal 3, which is a smartphone, and the store terminal 4, which is a terminal installed in the parking lot, or by reading a barcode or a QR code (registered trademark) displayed on the store terminal 4 with a camera or the like of the user terminal 3. The user terminal 3 may identify a toll parking lot where the user parks the vehicle, based on position information of the user terminal 3 measured by receiving signals from GPS (Global Positioning System) satellites. The user terminal 3 may identify a toll parking lot in which the user parks the vehicle, by a name, address, or the like input by the user. Further, the wallet server 1 identifies a toll parking lot in which the user parks the vehicle by receiving information on the toll parking lot in which the user parks the vehicle from the user terminal 3.

Next, the wallet server 1 acquires the time when the user puts the vehicle in storage in the toll parking lot. Specifically, the wallet server 1 acquires, as the time of entry, a time at which the user has parked the car in the toll parking lot. Further, the wallet server 1 may obtain, as the time of entry, the time at which it is determined that the position information of the user terminal 3 matches the charged parking lot, based on the position information of the user terminal 3 measured by receiving a signal from a GPS satellite. The wallet server 1 may acquire the time input by the user as the warehousing time.

Further, the wallet server 1 acquires a fee system of a charged parking lot. Specifically, the wallet server 1 communicates with the store terminal 4 provided in the toll parking lot, thereby obtaining the fee system of the toll parking lot. The fee system of the charged parking lot refers to, for example, information related to a parking fee per unit time such as 1000 yen per hour, and there are a case where the parking fee is different depending on the time period or date, the day of the week, and the like, and a case where an upper limit of the parking fee is set.

After that, the user terminal 3 accepts selection of a settlement method to be used when the vehicle is taken out from the toll parking lot. Fig. 4 shows an example of the settlement method selection screen 35a displayed on the operation/display unit 35 by the display control unit 311. In the same drawing, a settlement method selection screen 35a in a case where "a Pay", "B Pay", "C Pay", and "D Pay" are registered as a settlement method is shown as an example. Specifically, the settlement method selection screen 35a includes settlement icons 351 to 354 and a menu switching area 355 that are displayed in a list.

The settlement icons 351 to 354 are areas for displaying settlement methods, and receive requests for selecting the displayed settlement methods. The display control unit 311 displays a settlement name 351a indicating the name of a settlement method that can be used by the user terminal 3, a settlement statement 351b indicating the meaning of performing settlement by the settlement method, and a settlement information area 351c in which additional information relating to each settlement method is displayed, in a settlement icon 351.

Specifically, in the settlement icon 351, a stamp (a logo, a check mark, or the like) including the name of "a Pay" is displayed as the settlement name 351a, a character "Pay with a Pay" is displayed as the settlement sentence 351b, and information of the activity of the service related to "a Pay" is displayed as the settlement information area 351 c. The settlement icons 352 to 354 also display the name of the settlement method, a stamp indicating the settlement method, a settlement statement, additional information, and the like, and these are functionally similar to the settlement icon 351.

In addition, 3000 yen and 1000 yen are displayed as the balance in the settlement information area 353C of "C Pay" and the settlement information area 354C of "D Pay" which are the settlement realized by the electronic money.

Here, in fig. 4, when the settlement icon 353 indicating "C Pay" is selected by the user, the balance of the electronic money in "C Pay" is 3000 yen. At this time, the display control section 311 causes the display to display information obtained by comparing the parking fee, which is increased according to the elapse of the parking time in the charged parking lot, with the balance of the settlement method, based on the control performed by the wallet server 1. Specifically, the wallet server 1 calculates a parkable time that is a time during which parking in a charged parking lot is possible within the range of the balance, and the display control section 311 causes the operation/display section 35 to display the calculated parkable time. For example, in the case where the fee system of the toll parking lot is 1000 yen per hour, the wallet server 1 calculates the parkable time as the time that the toll parking lot can be parked in the range of the remaining balance of 3000 yen as 3 hours, and the display control section 311 causes the operation/display section 35 to display the parkable time as 3 hours.

Further, the wallet server 1 may cause the display to display a warning message when the time to the parking possible time is less than a predetermined time. Specifically, when the parking time from the warehousing exceeds 2 hours and 50 minutes and the time to 3 hours of the parking available time is less than the predetermined time 10 minutes, the wallet server 1 causes the operation/display unit 35 to display a warning message through the display control unit 311. Fig. 5 shows an example of the warning display screen 35b that the display control unit 311 causes the operation/display unit 35 to display. In the same figure, it is shown that "the parking fee will exceed the balance after 10 minutes" is displayed in the warning display area 356 a. "examples of such warning messages. As a result, the user can be made aware of the time until the parking fee cannot be paid with the balance of "C Pay", and the convenience of the electronic money can be improved.

Further, the wallet server 1 may calculate a travel time required for travel from the current location to the toll parking lot, and may cause the display to display a warning message when the travel time to the parking possible time is less than the sum of the travel time and a predetermined time. Specifically, the wallet server 1 obtains the current location based on the position information of the user terminal 3 measured by receiving a signal from a GPS satellite, and calculates the movement time required for the movement to the position of the toll parking lot obtained in advance. For example, when the travel time is 15 minutes, if the parking time from the warehousing has exceeded 2 hours and 35 minutes and the time to 3 hours of the parking available time is less than 25 minutes, which is the sum of the travel time 15 minutes and the predetermined time 10 minutes, the wallet server 1 causes the operation/display unit 35 to display a warning message through the display control unit 311. Fig. 6 shows an example of the warning display screen 35b that the display control unit 311 causes the operation/display unit 35 to display. In the same figure, it is shown that "it will take 15 minutes to go from the current location to the parking lot" is displayed in the warning display area 356 a. Please start moving to the parking lot. "examples of such warning messages. As a result, the user can be made aware of the time when the parking fee cannot be paid with the balance of "C Pay" in consideration of the travel time from the current location to the parking lot to be charged, and the convenience of the electronic money can be improved. In this case, the wallet server 1 may display the moving route from the current location to the toll parking lot on the display, following the screen of fig. 6. As a result, the user can be made aware of the movement route from the current location to the toll parking lot, and the convenience of the electronic money can be further improved.

The wallet server 1 may receive a request for settlement of a predetermined settlement amount, determine whether or not the sum of the settlement amount and the parking fee exceeds the balance, and display a warning message on the display when the sum exceeds the balance. Specifically, when a settlement request for a user to purchase, for example, a product having a settlement amount of 1000 yen between store terminals different from the store terminal 4 is accepted by the user terminal 3, the wallet server 1 calculates the sum of the settlement amount of 1000 yen and the parking fee at that point in time, and determines whether or not the sum exceeds a 3000 yen balance. In the case where the parking fee at this point of time is 2500 yen and thus the balance is exceeded, for example, the wallet server 1 causes the operation/display section 35 to display a warning message through the display control section 311. Fig. 7 shows an example of the warning display screen 35b that the display control unit 311 causes the operation/display unit 35 to display. In the same figure, it is shown that "it will become impossible to pay the parking fee with the balance is displayed in the warning display area 356 a. Is a purchase performed? An example of a "yes" or "no" button for accepting a selection of whether or not to purchase is displayed in the selection area 356b in the case of such a warning message. As a result, the user can be informed that the parking fee will not be paid in the remaining amount by purchasing the product, and can easily select whether to purchase the product, thereby improving convenience of the electronic money.

Further, in the case where the parking fee at the time point of the settlement request is 1500 yen and the sum does not exceed the balance, the wallet server 1 may cause the operation/display unit 35 to display a warning message through the display control unit 311. The wallet server 1 calculates the remaining parkable time as a time that can be parked in the charged parking lot within a range of the balance 500 obtained when the sum of the settlement amount 1000 yen and the parking fee 1500 yen 2500 yen is subtracted from the balance 3000 yen as 30 minutes. Fig. 8 shows an example of the warning display screen 35b that the display control unit 311 causes the operation/display unit 35 to display. In the same figure, it is shown that "the parkable time will become the remaining 30 minutes" is displayed in the warning display area 356 a. Is a purchase performed? An example of a "yes" or "no" button for accepting a selection of whether or not to purchase is displayed in the selection area 356b in the case of such a warning message. As a result, the user can be informed of the remaining parking available time when the product is purchased, and can easily select whether or not to purchase the product, thereby improving convenience of the electronic money.

As described above, according to the recording medium, the settlement system, and the settlement server according to the present embodiment, it is possible to improve the convenience of the electronic money for settling the parking fee. In addition, even in a settlement server that can use one kind of electronic money, information obtained by comparing the balance of the electronic money with the parking fee can be displayed on the display. Thus, convenience of electronic money can be improved.

Further effects and modifications can be easily deduced by those skilled in the art. Therefore, 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 as defined by the appended claims and their equivalents.

Description of the symbols

1 … wallet server;

11 … a control unit;

12 … a communication section;

13 … storage part;

131 … user information;

132 … wallet information;

133 … settlement information;

2 … settlement operator server;

21 … control unit;

22 … a communication part;

23 … storage part;

3 … user terminal;

31 … control part;

311 … display control unit;

312 … deposit method entry;

313 … settlement method registration unit;

314 … deposit processing section;

315 … settlement processing unit;

a 32 … communication section;

33 … storage part;

34 … a short-range wireless communication unit;

35 … operation/display section;

35a … settlement method selection screen;

35b … warning display screen;

351-354 … Settlement icon;

351a … settlement name;

351b … settlement statement;

351c, 353c, 354c … settlement information area;

351d … notification icon;

355 … menu switching area;

356a … warning display area;

356b … selection area;

4 … store terminals;

41 … control unit;

42 … a communication part;

43 … storage part;

44 … a short-range wireless communication unit;

NW … network.