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 2021-05-27 设计创作，主要内容包括：本申请提供一种提升钱包系统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：对位于至目的地为止的路径上的对象设施进行提取,并向显示器输出能够利用从所提取出的所述对象设施中根据用户的输入而选择出的结算方法的所述对象设施。(The application provides a recording medium, a settlement system and a settlement server for improving the convenience of a wallet system. The settlement server causes a processor having hardware to execute processing of: the method includes extracting a target facility located on a route to a destination, and outputting the target facility to a display, the target facility being capable of using a settlement method selected by a user input from the extracted target facility.)

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

the method includes extracting target facilities located on a route to a destination, and outputting, to a display, the target facilities that can use a settlement method selected according to an input by a user from among the extracted target facilities.

2. The recording medium of claim 1,

the settlement program causes the processor to execute:

outputting the object facility closest to the destination to the display.

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

the settlement program causes the processor to execute:

outputting, to the display, the target facility whose distance to the next existing target facility on the route to the destination is greater than a threshold value.

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

the settlement program causes the processor to execute:

the object facility outputting an attribute corresponding to an input of a user to the display.

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

the settlement program causes the processor to execute:

outputting the object facility corresponding to the attribute of the destination to the display.

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

the settlement program causes the processor to execute:

outputting, to the display, the target facility whose number of the target facilities located within a predetermined range from the destination is below a threshold.

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

the settlement program causes the processor to execute:

when the distance from the destination to the target facility having a predetermined attribute is equal to or greater than a threshold value, the target facility having the attribute is output 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 extracts target facilities located on a route to a destination, and displays, on the display, the target facilities that can use a settlement method selected in accordance with an input by a user from among the extracted target facilities.

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

the first processor causes the display to display the subject facility closest to the destination.

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

the first processor causes the display to display the target facility having a distance to the next existing target facility greater than a threshold value on the route to the destination.

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

the first processor causes the object facility on which the attribute corresponding to the input of the user is displayed on the display.

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

the first processor causes the display to display the object facility corresponding to the attribute of the destination.

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

the first processor causes the display to display the target facilities whose number of the target facilities located within a predetermined range from the destination is a threshold value or less.

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

the first processor causes the display to display the target facility having a predetermined attribute when a distance from the destination to the target facility is equal to or greater than a threshold value.

15. A settlement server, wherein,

a processor is provided, the processor having hardware,

the processor extracts target facilities located on a route to a destination, and displays, on a display, the target facilities that can use a settlement method selected in accordance with an input by a user from among the extracted target facilities.

16. The settlement server of claim 15, wherein,

the processor causes the display to display the subject facility closest to the destination.

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

the processor causes the display to display the target facility having a distance to the next existing target facility greater than a threshold value on the route to the destination.

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

the processor causes the object facility on which the attribute corresponding to the input of the user is displayed on the display.

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

the processor causes the display to display the object facility corresponding to the attribute of the destination.

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

the processor causes the display to display the target facilities whose number of the target facilities located within a predetermined range from the destination is a threshold value or less.

Technical Field

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

Background

Patent document 1 discloses a technique for displaying a store that is located in the vicinity of the current position of a vehicle and that can be used as a drive-through (drive-through).

Prior art documents

Patent document

Patent document 1: japanese laid-open patent publication No. 2002-243479

Disclosure of Invention

Problems to be solved by the invention

There is a demand for an increase in convenience of a wallet system capable of utilizing a plurality of settlement methods.

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 a wallet system.

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: the method includes extracting target facilities located on a route to a destination, and outputting, to a display, the target facilities that can use a settlement method selected according to an input by a user from among the extracted target facilities.

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, wherein the first processor extracts target facilities located on a route to a destination and displays the target facilities, which can use a settlement method selected according to an input of a user, from the extracted target facilities on the display.

The settlement server according to the present disclosure includes a processor having hardware, the processor extracting target facilities located on a route to a destination, and displaying, on a display, the target facilities that can be used with a settlement method selected in accordance with an input by a user from among the extracted target facilities.

Effects of the invention

According to the present disclosure, convenience of the wallet system 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 target facility 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 the wallet system 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 that has a settlement method registered therein. As shown in fig. 2, the wallet server 1 includes a control unit 11 (first processor), 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 unit 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 Local Area Network (LAN) 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 and a password of a user who has performed a login using a wallet system, a name (user name) of the user, a contact information (e.g., an address, a telephone number, an email address, etc.) of the user, a history of the login using the user, information on a method of settlement registered in the wallet system, information on another method of settlement registered in order to deposit the money to the method of settlement, and a secret code at the time of settlement. 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 communication unit 11, the control unit 12, and the storage unit 13.

The storage unit 23 stores account information of the user of each wallet system and credit card information. 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 in 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 target facility display screen 35b (see fig. 5) for displaying a target facility, 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 (for example, bank accounts, credit cards, and the like) operated by a plurality of operators as a depositing method for depositing on 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 the 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 described later 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, or 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 has received the settlement method registration request from the settlement method registration unit 313 registers the settlement method included in the settlement method registration request as the user information 131 in the storage unit 13, thereby registering 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 by a settlement method registered as a deposit method to the wallet server 1. 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 performed 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 described later 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 a 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 car sharing system including the wallet server 1 according to the present embodiment will be described with reference to fig. 4 and 5.

(display control of Settlement Screen)

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", "CPay", 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 method selection screen 35a is, for example, a screen displayed when an application of a wallet is opened.

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 as a movement 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 fig. 4, the user performs an operation input so as to select any one of the settlement icons (settlement icons 351 to 354) from "a Pay" to "D Pay". Then, the control unit 11 extracts the target facilities located on the route to the destination, and outputs the target facilities that can use the settlement method selected in accordance with the input of the user from among the extracted target facilities to the display. The target facility is a store provided with a store terminal 4 capable of performing settlement by the selected settlement method.

Fig. 5 shows an example of the target facility display screen 35b displayed on the operation/display unit 35 by the display control unit 311. In the same drawing, a route R from the current location C to the destination D is displayed in the target facility display area 356, and a target facility position 356a, which is the position of the target facility that can use the settlement method selected in fig. 4, is displayed on the route R. As a result, the user can be made aware of the location of the target facility on the route R, which can use the selected settlement method. For example, even when there are few target facilities (stores, etc.) that can use the selected settlement method, the user can be made aware of the position of the target facility on the route R that can use the selected settlement method. Further, even if the periphery of the destination D is an area where there are few target facilities such as stores, the user can be informed of the position of the target facility on the route R that can use the selected settlement method, and purchase of a desired product or the like can be carried out before reaching the destination D. Further, since the user can know the position of the target facility on the route R, the user can visit a desired target facility without going around or detouring. As described above, according to the embodiment, the convenience of the wallet system can be improved.

The control unit 11 may output the target facility closest to the destination D to the display. As a result, the user can be made aware of the position of the target facility on the route R that is closest to the destination D and that can use the selected settlement method. Specifically, since the user can be caused to purchase a desired product by the selected settlement method at, for example, a convenience store that is a target facility closest to the destination D that is a ski resort, the convenience of the wallet system can be improved.

The control unit 11 may output, to the display, a target facility whose distance from the next existing target facility on the route R to the destination D is greater than a threshold value. As a result, the user can be made aware of the position of the target facility having a large distance to the next target facility on the route R. Specifically, since the user can know the position of a gas station having a large distance to the next gas station (target facility) on the route R, for example, the convenience of the wallet system can be improved.

The control unit 11 may output the target facility of the attribute corresponding to the input of the user to the display. Specifically, since the user can be allowed to visit a target facility of the input attribute such as a convenience store, a gas station, or a bank, the convenience of the wallet system can be improved.

Further, the control unit 11 may output the target facility corresponding to the attribute of the destination D to the display. Specifically, for example, when the attribute of the destination D is a camp site, the user can know the location of a building material center (target facility) where the user can purchase a commodity required for camping such as firewood and charcoal, and therefore, the convenience of the wallet system can be improved.

The control unit 11 may output, to the display, target facilities whose number of target facilities located within a predetermined range from the destination D is equal to or less than a threshold value. Specifically, since the user can be made to go to the target facility halfway along the route R with little (less than the threshold value) or no (zero number of target facilities) of the target facility in the vicinity of the destination D, the convenience of the wallet system can be improved.

Further, the control unit 11 may output the target facility having the predetermined attribute to the display when the distance from the destination D to the target facility is equal to or greater than the threshold value. Specifically, for example, when the attribute of the destination D is a hotel without a restaurant and there is no restaurant (target facility) within a range of a distance that the user can move in a walking manner from the destination D, the user can be allowed to go to the restaurant halfway along the route R. Further, for example, when the attribute of the destination D is a camp site and there is no building material center (target facility) that can purchase camping supplies within a range of a distance that can be traveled by sitting in a car for several minutes from the destination D, the user can be allowed to proceed to the building material center in the middle of the route R. As a result, the convenience of the wallet system can be improved.

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 wallet system that can use a plurality of settlement methods. In addition, in the settlement server that can use one settlement method, the position of the target facility on the route R that can use the settlement method can be displayed, thereby improving the convenience of the settlement system.

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.

In addition, although the target facility may be shown on the route R for performing the movement by the vehicle in the target facility display screen 35b, the target facility may be shown on the route R for performing the movement by walking, a bicycle, or the like. In this case, a threshold value of the distance from the destination to the target facility (the distance from the destination to the target facility) may be set according to these movement methods.

The attribute of the target facility may be a category of a store such as a convenience store, a gas station, or a building center, but may be a store that can purchase a specified product or a store that can receive a predetermined service.

Further, a plurality of routes may be displayed on the target facility display screen 35 b. In this case, the target facilities may be displayed on a plurality of routes.

Note that, although the position of the target facility may be displayed on the route R when one settlement method is selected from among the plurality of settlement methods shown in fig. 4, the position of the target facility may be displayed when the distance to the target facility is equal to or less than the threshold value.

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 … object facility display screen;

351-354 … Settlement icon;

351a … settlement name;

351b … settlement statement;

351c … settlement information area;

355 … menu switching area;

356 … object facility display area;

356a … subject facility location;

4 … store terminals;

41 … control unit;

42 … a communication part;

43 … storage part;

44 … a short-range wireless communication unit;

NW … network.