阅读说明：本技术 钱包服务器、钱包系统和非暂时性计算机可读存储介质 (Wallet server, wallet system, and non-transitory computer-readable storage medium ) 是由 田中由里香 长谷川英男 吉冈希望 竹下毅 铃木翔一朗 市原纮平 山本翔太 近西润哉 于 2021-06-04 设计创作，主要内容包括：提供了一种钱包服务器、钱包系统和非暂时性计算机可读存储介质。处理器,其设置有硬件,以及存储器,其存储包含群组信息和与所述群组信息相关联的消费信息的群组消费信息,所述群组信息包含多个用户终端的多条用户信息。所述处理器获取用于向外部执行关于商店的通知的通知信息,基于构成群组的多个所述用户终端的所述用户信息从所述存储器检索所述群组消费信息,基于检索出的所述群组消费信息从获取的所述通知消息中选择所述通知信息,并且输出选择的所述通知信息。(A wallet server, a wallet system, and a non-transitory computer-readable storage medium are provided. A processor provided with hardware, and a memory storing group consumption information including group information including a plurality of pieces of user information of a plurality of user terminals and consumption information associated with the group information. The processor acquires notification information for performing a notification about a store to the outside, retrieves the group consumption information from the memory based on the user information of the plurality of user terminals constituting a group, selects the notification information from the acquired notification message based on the retrieved group consumption information, and outputs the selected notification information.)

1. A wallet server, comprising:

a processor comprising hardware; and

a memory storing group consumption information including group information including a plurality of pieces of user information of a plurality of user terminals and consumption information associated with the group information, wherein

The processor

Acquires notification information for performing notification about the store to the outside,

retrieving the group consumption information from the memory based on the user information of a plurality of the user terminals constituting a group,

selecting the notification information from the acquired notification messages based on the retrieved group consumption information, and

and outputting the selected notification information.

2. The wallet server of claim 1, wherein the processor determines whether the plurality of user terminals form the group based on location information acquired from the plurality of user terminals.

3. The wallet server according to claim 1 or 2, wherein the processor determines whether a plurality of the user terminals constitute the group based on communication between a radio beacon communication unit capable of communicating with the user terminals and the plurality of the user terminals.

4. The wallet server according to any one of claims 1 to 3, wherein the processor acquires information on execution of short-range communication of a plurality of the user terminals with each other, and determines whether the plurality of the user terminals constitute the group based on whether the short-range communication is executed.

5. The wallet server of any one of claims 1 to 4, wherein the processor selects the notification information to be output based on the consumption information included in the retrieved group consumption information.

6. The wallet server according to any one of claims 1 to 5, wherein the processor transmits the selected notification information to at least one of the plurality of user terminals determined to constitute the group.

7. The wallet server of any one of claims 1 to 6, wherein:

a store terminal provided in the store is configured to enable payment settlement processing to be performed using the user terminal; and

the processor acquires information including a payment settlement amount in the payment settlement process and information about products or services provided for users having a plurality of the user terminals constituting the group, respectively, generates the group consumption information, and accumulates the generated group consumption information in the memory.

8. The wallet server of any one of claims 1 to 7, wherein said group information comprises store information relating to said store.

9. The wallet server as claimed in any one of claims 1 to 8, wherein the notification information contains advertisement information and coupon information related to the store.

10. A wallet system, comprising:

a first device including a first processor provided with hardware installed in a store and outputting notification information for performing notification about the store to the outside; and

a second device including a memory that stores group consumption information including group information and consumption information associated with the group information, the group information including pieces of user information of a plurality of user terminals, and a second processor provided with hardware that acquires the notification information output from the first device, retrieves the group consumption information from the memory based on the user information of the plurality of user terminals constituting a group, selects the notification information from the acquired notification information based on the retrieved group consumption information, and outputs the selected notification information.

11. The wallet system of claim 10, wherein the second processor determines whether the plurality of user terminals form the group based on location information acquired from the plurality of user terminals.

12. The wallet system according to claim 10 or 11, wherein the second processor determines whether a plurality of the user terminals constitute the group based on communication between a radio beacon communication unit capable of communicating with the user terminals and the plurality of the user terminals.

13. The wallet system according to any one of claims 10 to 12, wherein the second processor acquires information on execution of short-range communication of a plurality of the user terminals with each other, and determines whether the plurality of the user terminals constitute the group based on whether the short-range communication is executed.

14. The wallet system according to any one of claims 10 to 13, wherein the second processor selects the notification information to be output based on the consumption information included in the retrieved group consumption information.

15. The wallet system according to any one of claims 10 to 14, wherein the second processor transmits the selected notification information to at least one of the plurality of user terminals determined to constitute the group.

16. The wallet system of any one of claims 10-15, wherein:

the first apparatus is configured to enable payment settlement processing to be performed using the user terminal; and

the second processor acquires information including a payment settlement amount in the payment settlement process and information about products or services provided to users having a plurality of the user terminals constituting the group, respectively, generates the group consumption information, and accumulates the generated group consumption information in the memory.

17. The wallet system of any one of claims 10 to 16, wherein said group information comprises store information relating to said store.

18. The wallet system of any one of claims 10 to 17, wherein said notification information comprises advertising information and coupon information related to said store.

19. A non-transitory computer-readable storage medium storing a program that causes a processor provided with hardware to execute:

acquiring notification information for performing notification about the store to the outside;

retrieving group consumption information including information related to consumption of a group from a memory based on user information of a plurality of user terminals constituting the group;

selecting the notification information from the acquired notification information based on the retrieved group consumption information; and

and outputting the selected notification information.

20. The non-transitory computer-readable storage medium of claim 19, wherein the group consumption information includes group information and consumption information associated with the group information, the group information including a plurality of pieces of the user information of a plurality of the user terminals.

Technical Field

The present disclosure relates to a wallet server, a wallet system, and a non-transitory computer-readable storage medium.

Background

Japanese unexamined patent application publication No. 2019-087023 (JP 2019-087023A) discloses a technique in which, when adjusting payment via a chat room between a plurality of terminals, a server issues a payment request for one terminal to another terminal, and the server manages a payment manner and a payment term of a user associated with the other terminal.

Disclosure of Invention

There is a need for the following techniques: when multiple users are grouped together into a group, the techniques may provide information matching consumption trends and behaviors based on the accumulated consumption trend data.

The present disclosure has been made in view of the above circumstances, and it is an object of the present disclosure to provide a wallet server, a wallet system, and a non-transitory computer-readable storage medium that can provide information matching consumption tendency and behavior based on accumulated consumption tendency data when users are grouped together to form a group.

The wallet server according to the present disclosure includes: a processor comprising hardware; and a memory storing group consumption information including group information including a plurality of pieces of user information of a plurality of user terminals and consumption information associated with the group information. The processor acquires notification information for performing notification about a store to the outside, retrieves the group consumption information from the memory based on the user information of the user terminals constituting a group, selects the notification information from the acquired notification information based on the retrieved group consumption information, and outputs the selected notification information.

The wallet system according to the present disclosure includes: a first device including a first processor provided with hardware installed in a store and outputting notification information for performing notification about the store to the outside; and a second device including a memory that stores group consumption information including group information and consumption information associated with the group information, the group information including pieces of user information of a plurality of user terminals, and a second processor provided with hardware that acquires the notification information output from the first device, retrieves the group consumption information from the memory based on the user information of the plurality of user terminals constituting a group, selects the notification information from the acquired notification information based on the retrieved group consumption information, and outputs the selected notification information.

A non-transitory computer-readable storage medium according to the present disclosure stores a program that causes a processor provided with hardware to execute: acquiring notification information for performing notification about the store to the outside; retrieving group consumption information including information related to consumption of a group from a memory based on user information of a plurality of user terminals constituting the group; selecting the notification information from the acquired notification information based on the retrieved group consumption information; and outputting the selected notification information.

According to the present disclosure, information matching consumption trends and behaviors when a plurality of users are aggregated in a group can be provided based on accumulated consumption trend data.

Drawings

The features, advantages and technical and industrial significance of this invention will be described below with reference to the accompanying drawings, in which like reference numerals refer to like elements, and in which:

fig. 1 is a diagram schematically showing the configuration of a wallet system according to an embodiment;

fig. 2 is a block diagram schematically showing the configuration of a wallet server according to the present embodiment;

fig. 3 is a block diagram schematically showing the configuration of a payment service provider server according to the present embodiment;

fig. 4 is a block diagram schematically showing the configuration of a user terminal according to the present embodiment;

fig. 5 is a block diagram schematically showing the configuration of a shop terminal according to the present embodiment;

fig. 6 is a flowchart showing an example of a processing method of the wallet system according to the present embodiment;

fig. 7 is a flowchart showing an example of a method of the wallet server generating group consumption information according to the present embodiment;

fig. 8 is a diagram showing an example of group consumption information generated by the wallet server according to the present embodiment;

fig. 9 is a flowchart showing an example of a method of notifying notification information by the wallet server according to the present embodiment;

fig. 10 is a diagram showing an example of generation of notification information generated by the wallet server according to the present embodiment;

fig. 11 is a diagram showing an example of generation of notification information generated by the wallet server according to the present embodiment;

fig. 12 is a diagram showing an example of generation of notification information generated by the wallet server according to the present embodiment; and

fig. 13 is a diagram showing an example of generation of notification information generated by the wallet server according to the present embodiment.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described below with reference to the accompanying drawings. In all the drawings of the following embodiments, the same or corresponding portions are denoted by the same reference numerals. Further, the present disclosure is not limited to the embodiments described below. The components in the following embodiments also include those 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 embodiment will be described. As shown in fig. 1, the wallet system 1 includes a wallet server 10, a payment service provider server 20, a user terminal 30, and a store terminal 40.

The wallet server 10, the payment service provider server 20, the user terminal 30, and the store terminal 40 are configured to be able to communicate with each other via a network NW. The network NW is composed of, for example, the internet and a mobile phone network. For example, the network NW may include other communication networks such as a Wide Area Network (WAN), a telephone communication network such as a mobile phone, and a wireless communication network such as Wi-Fi (registered trademark).

Wallet server

The wallet server 10 as the second device including the wallet server is a server for comprehensively managing the wallet system according to the present embodiment, and is managed by a wallet system manager. As shown in fig. 2, the wallet server 10 includes a control unit 11 as a second processor, a communication unit 12, and a storage unit 13.

Specifically, the control unit 11 is composed of a processor provided with hardware, such as a Central Processing Unit (CPU), a Digital Signal Processor (DSP), and a Field Programmable Gate Array (FPGA), and a main memory, such as a Random Access Memory (RAM) and a Read Only Memory (ROM). The storage unit 13 includes, for example, a recording medium selected from an erasable programmable rom (eprom), a Hard Disk Drive (HDD), a removable medium, and the like. Examples of the removable medium include a disc recording medium such as a Universal Serial Bus (USB) memory, a Compact Disc (CD), a Digital Versatile Disc (DVD), and a blu-ray (registered trademark) disc (BD). The storage unit 13 may store an Operating System (OS), various programs, various tables, various databases, and the like.

The control unit 11 loads a program stored in the storage unit 13 into a work area of the main storage unit and executes the loaded program, and controls the respective constituent units and the like by executing the program. For example, the program may be a learning model generated by machine learning. For example, with an input-output data set of predetermined input parameters and output parameters as teaching data, a learning model can be generated by machine learning such as deep learning using a neural network. With the above-described configuration, the control unit 11 can realize the functions of the user identifying unit 111, the group information generating unit 112, and the consumption information generating unit 113. Details of the functions of the user identifying unit 111, the group information generating unit 112, and the consumption information generating unit 113 will be described later.

The communication unit 12 as the information acquisition unit is composed of, for example, a Local Area Network (LAN) interface board or a wireless communication circuit for wireless communication. The LAN interface board and the wireless communication circuit are connected to a network NW such as the internet as a common communication network. The communication unit 12 is connected to the network NW, and communicates with the payment service provider server 20, the user terminal 30, and the shop terminal 40.

The storage unit 13 includes, for example, a recording medium such as an erasable programmable rom (eprom), a Hard Disk Drive (HDD), and a removable medium. Examples of the removable medium include optical disc recording media such as Universal Serial Bus (USB) memory, Compact Disc (CD), Digital Versatile Disc (DVD), and blu-ray (registered trademark) disc (BD). 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 payment settlement information 133 for each user of the wallet system 1. Further, the storage unit 13 stores store information 134, group consumption information 135, and notification information 136.

The user information 131 is information on a user who uses the wallet system 1. Examples of the user information 131 include, for example, a user ID, a password, a user name, user contact information (e.g., an address, a telephone number, and an email address), a usage registration history, and information on a payment means registered as a deposit means, information on a payment means registered as a payment settlement means, and a password for registering a user using the wallet system for payment settlement. The user ID and the password in the user information 131 are used for authentication processing such as login to the wallet server 10.

The wallet information 132 is information relating to the wallet of the wallet system 1. A wallet is a virtual deposit and withdrawal account for electronic money. The wallet information 132 includes, for example, a user ID, a balance of electronic money, an deposit history of electronic money, and a use history of electronic money.

The payment settlement information 133 is information related to payment settlement of the wallet system. The payment settlement information 133 includes a user ID, a payment settlement method for performing payment settlement (for example, payment by electronic money (contactless payment), payment by scanning, or payment by a code), date and time information including the date and time when the payment settlement was performed, and a payment settlement history.

The store information 134 is information relating to facilities and terminals of a store using the wallet system 1. Store information 134 includes, for example, location information for store establishments (e.g., various restaurants and cafeterias that provide food and services), information about available food, menus and services, information about business dates and times, and information about coupons and activities that are relevant.

The group consumption information 135 contains information of a group consisting of a plurality of users who use the store (group information) and information on consumption of each user associated with the group (consumption information). That is, the group consumption information 135 contains group information containing user information that can distinguish users grouped into a group. The group consumption information 135 also includes consumption information regarding the products and amounts consumed by each user.

The notification information 136 is associated with the store information 134 and contains coupon information, which is information on bonus points and coupons that can be used in the store, and information such as advertisements and offered services and products by the store 2. The notification information 136 may be included in the store information 134.

Payment service provider server

The payment service provider server 20 is a server for managing an account and a credit card of a user. The payment service provider server 20 is installed in a financial institution such as a bank, a credit cooperative, or a labor bank or a credit card company. As shown in fig. 3, the payment service provider server 20 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 functionally identical to the control unit 11, the communication unit 12, and the storage unit 13, respectively.

The storage unit 23 stores account information 231, credit card information 232, and payment settlement information 233 for each user of the wallet system 1. The account information 231 includes, for example, a user name, an account number, an account balance, and a history of deposit and withdrawal. The credit card information 232 contains, for example, the user's name, credit card number, expiration date of the credit card, usage limit amount, and card usage history. Examples of the payment settlement information 233 include a user ID, a payment settlement manner, and a payment settlement history. The storage unit 23 may also store bonus point information on the return of bonus points held by the payment service provider or the like and event information, which is information on the returned bonus points and information on various events held by the payment settlement service provider. Examples of bonus point information include, for example, a user name, a unique user ID, a number of bonus points associated with account information or credit card information. Examples of the event information include information of a bonus point rate when a predetermined payment settlement method is used, information of an area where an event is held, and information of a coupon provided to a user.

User terminal

The user terminals 30(30A, 30B, 30C) are computer terminals operated by users. Examples of the user terminal 30 include a smart phone, a mobile phone, a tablet terminal, a wearable computer, and a personal computer held by a user, and a car navigation system mounted on a vehicle. The user terminal 30 may be any terminal as long as the user terminal 30 can transmit and receive information to and from the wallet server 10.

As shown in fig. 4, the user terminal 30 as the third device includes a control unit 31, a communication unit 32, a storage unit 33, a short-range wireless communication unit 34, an operation display unit 35, and a positioning unit 36. The control unit 31, the communication unit 32, and the storage unit 33 are functionally the same as the control unit 11, the communication unit 12, and the storage unit 13 in the wallet server 10 shown in fig. 2, respectively. As shown in fig. 4, the control unit 31 as the third processor functions as a display control unit 311, a deposit mode registration unit 312, a payment settlement mode registration unit 313, a deposit processing unit 314, and a payment settlement processing unit 315. Further, in fig. 1 and 4, three user terminals 30A, 30B, and 30C are provided. However, the present disclosure is not necessarily limited to three user terminals.

The display control unit 311 controls content to be displayed on the operation display unit 35 including a display. The display control unit 311 displays, on the operation display unit 35 to be operated, for example, a member registration screen when the user registers as a member, a login screen when the user logs in to the wallet system 1, and a deposit screen when the user deposits money in electronic money of the wallet and a payment settlement screen when the user performs payment settlement, based on user operations such as a touch operation and a flick operation of the user. In addition, the display control unit 311 converts each screen based on an operation by the user.

The deposit pattern registration unit 312 registers a deposit pattern for depositing money into electronic money. The deposit pattern registration unit 312 transmits a deposit pattern registration request for registering a plurality of different payment settlement methods operated by a plurality of service providers as a pattern of depositing money into electronic money to the wallet server 10. In particular, different payment settlement methods operated by service providers include, for example, bank accounts and credit cards. The control unit 11 of the wallet server 10 that receives the deposit method registration request from the deposit method registration unit 312 stores the payment settlement method included in the deposit method registration request in the storage unit 13 as the user information 131, and registers the payment settlement method as the deposit method.

The payment settlement means registration unit 313 registers various payment settlement means. The payment settlement manner registration unit 313 transmits a payment settlement manner registration request for registering a payment settlement manner to the wallet server 10. The control unit 11 of the wallet server 10 that receives the payment settlement manner registration request from the payment settlement manner registration unit 313 stores the payment settlement method included in the payment settlement manner registration request in the storage unit 13 as the user information 131 to register the payment settlement method as the payment settlement manner. In addition, a payment settlement method may be registered instead of the payment settlement means.

The deposit processing unit 314 deposits money into electronic money in the wallet. Specifically, the deposit processing unit 314 transmits a deposit request for depositing into electronic money to the wallet server 10 using a payment settlement method registered as a deposit method. The control unit 11 of the wallet server 10 that receives the deposit request from the deposit processing unit 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 unit 11 updates the wallet information 132 stored in the storage unit 13 in accordance with an increase in the balance of electronic money in the wallet.

The payment settlement processing unit 315 performs payment settlement using the payment settlement method selected by the user. Specifically, the payment settlement processing unit 315 transmits a payment settlement request to the store terminal 40 via the short-range wireless communication unit 34 as a payment settlement means. The payment settlement processing unit 315 may transmit a payment settlement request to the store terminal 40 by reading a one-dimensional code (also referred to as a one-dimensional symbol) such as a barcode or a two-dimensional code (also referred to as a two-dimensional symbol) such as a QR code (registered trademark) displayed on the store terminal 40 using a camera or the like of the user terminal 30 (hereinafter, collectively referred to as a barcode symbol based on international organization for standardization (ISO) standards and International Electrotechnical Commission (IEC) standards). The payment settlement processing unit 315 can transmit a payment settlement request to the store terminal 40 by causing a code reader or the like of the store terminal 40 to read a code displayed on the user terminal 30 as a payment settlement means. The payment settlement request transmitted from the payment settlement processing unit 315 to the store terminal 40 may or may not contain information indicating the payment settlement amount (hereinafter referred to as "payment settlement amount information").

When the user performs payment settlement using a bank account or a credit card, the payment settlement processing unit 315 transmits a payment settlement request to the wallet server 10 to perform payment settlement using any one of the payment settlement methods. The control unit 11 of the wallet server 10, which receives the payment settlement request from the payment settlement processing unit 315, transmits payment settlement amount information included in the payment settlement request to the payment service provider server 20.

Further, when the user performs payment settlement by electronic money, the control unit 41 of the shop terminal 40, which will be described later, transmits a payment settlement request containing payment settlement amount information to the wallet server 10 via the network NW. The control unit 11 of the wallet server 10 that receives the payment settlement request from the merchant terminal 40 subtracts the payment settlement amount from the balance of the electronic money in the wallet based on the payment settlement amount contained in the payment settlement request. That is, the control unit 11 updates the wallet information 132 and the payment settlement information 133 stored in the storage unit 13 according to the deduction of the balance of the electronic money in the wallet.

The storage unit 33 stores various screen data to be displayed on the operation display unit 35 by the display control unit 311. Further, for example, the storage unit 33 temporarily stores the user information 131, the wallet information 132, the payment settlement information 133, and the bonus point information as necessary. The storage unit 33 stores store information 331, coupon information 332, and advertisement information 333 that can be used by the user as needed. The coupon information 332 includes information such as coupons and bonus points that can be used in stores and the like. The advertisement information 333 contains information such as an advertisement associated with the store information 331 and services and products provided at the store 2.

The short-range wireless communication unit 34 has a communication function conforming to standards such as near field radio communication (NFC), bluetooth (registered trademark) low energy consumption (BLE), and infrared data association (IrDA). For example, when the user makes payment settlement using electronic money, the user terminal 30 performs short-range wireless communication with the store terminal 40 via the short-range wireless communication unit 34.

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

The positioning unit 36 receives radio waves from Global Positioning System (GPS) satellites and detects position information of the user terminal 30. The control unit 31 transmits the location information of the user terminal 30 to the wallet server 10, the payment service provider server 20, or the shop terminal 40 via the network NW.

Shop terminal

The store terminal 40 as a first device is provided in, for example, the store 2, and the store 2 is a member store that can use the wallet system 1. The shop terminal 40 may be a server that also functions as a virtual shop (so-called Electronic Commerce (EC) website) opened on the internet.

As shown in fig. 5, the shop terminal 40 includes a control unit 41, a communication unit 42, a storage unit 43, a short-range wireless communication unit 44, and a display unit 45. The control unit 41, the communication unit 42, the storage unit 43, and the short-range wireless communication unit 44, which are first processors, are functionally identical to the control unit 11, the communication unit 12, the storage unit 13, and the short-range wireless communication unit 34, respectively. The display unit 45 is composed of, for example, a Liquid Crystal Display (LCD) and an organic electroluminescent display (OLED), and displays information under the control of the control unit 41.

The storage unit 43 stores purchase information 431, user information 432, and notification information 433. The purchase information 431 contains various information related to the user's purchase at the store 2, such as a purchase product, a purchase price, and a purchase date and time. The user information 432 is user information acquired by the shop terminal 40 from the user terminal 30. User information 432 may be associated with purchase information 431. The notification information 433 contains various information related to the shop 2, such as advertisement information, coupon information, and service information related to the shop 2, which can be provided to the users Ua to Uc.

The shop 2 provided with the shop terminal 40 may be provided with a radio beacon communication unit 46. The radio beacon communication unit 46 has a communication function, for example, an infrared beacon (IR beacon) realized by a radio beacon technology using infrared rays or BLE in conformity with a proximity notification function having a function capable of recognizing the user terminal 30 by receiving a signal from the target user terminal 30. The radio beacon communication unit 46 is not limited to the case where the radio beacon communication unit 46 is provided in the shop 2, and may be provided in a position along a road or in various facilities.

Consumption trend collecting method of wallet server

Next, a consumption tendency collecting method of the wallet system 1 including the wallet server 10 according to the present embodiment will be described. In the following description, information is transmitted and received via the network NW. Description of transmission and reception via the network NW will be omitted. Further, when information is transmitted and received among the wallet server 10, each payment service provider server 20, each user terminal 30, and each store terminal 40, the information is transmitted and received in association with the identification information to independently identify the payment service provider server 20, the user terminal 30, and the store terminal 40. However, the description thereof will also be omitted.

As shown in fig. 6, first, in step ST1, the user terminals 30A, 30B, 30C each periodically or timely transmit position information to the wallet server 10. In step ST2, the control unit 11 of the wallet server 10 stores the received position information of the user terminals 30A to 30C in the storage unit 13 as the user information 131. In the following description, the users Ua, Ub, Uc hold user terminals 30A, 30B, 30C, respectively, and use the shop 2 as a group. The number of users active in the group need not be limited to three, but may be two or more.

In steps ST3 and ST4, the shop terminal 40 acquires user information 432 that can identify the respective user terminals 30A to 30C from the user terminals 30A to 30C held by the users Ua to Uc visiting the shop, respectively. The storage unit 43 stores the user information 432 acquired by the shop terminal 40. As a method of acquiring the user information 432, the following various methods can be employed.

For example, in step ST3, the user terminals 30A to 30C held by the users Ua to Uc communicate with the radio beacon communication unit 46 provided in the shop 2. Through the above-described processing, in step ST4, the user information is output from the radio beacon communication unit 46 to the shop terminal 40, and the shop terminal 40 can acquire the user information 432 containing the user ID as the user-specific information relating to the user terminals 30A to 30C. When the users Ua to Uc are members in the group, communication between the user terminals 30A to 30C and the radio beacon communication unit 46 is continuously performed. Thus, for example, the communication timestamps are close to each other. Thereby, the user information 432 acquired from the respective user terminals 30A to 30C can be associated with each other based on the communication time stamp or the like.

For example, in step ST4, the shop terminal 40 may acquire the user information 432, for example, by the code reader of the shop terminal 40 reading the barcode symbol (e.g., the barcode symbol of the coupon) displayed on the user terminals 30A to 30C in step ST 3. When the users Ua to Uc are members of the group, the user terminals 30A to 30C are caused to display the barcode symbols and the common barcode symbols associated with each other. When the short-range wireless communication units 34 of the user terminals 30A to 30C communicate with each other, the association of the bar code symbols with each other can be achieved. Through the above processing, the user information 432 acquired from the respective user terminals 30A to 30C can be associated with each other.

For example, in step ST3, the display unit 45 of the shop terminal 40 may display a different bar code symbol each time the display is switched. The cameras of the user terminals 30A to 30C included in the group read the same barcode symbol, and the user information 432 can be acquired in step ST 4. When the users Ua to Uc are members in the group, the barcode symbols read by the user terminals 30A to 30C become one-time barcodes. Thereby, the user information 432 acquired from the user terminals 30A to 30C can be associated with each other.

The users Ua to Uc having entered the store 2 provided with the store terminal 40 eat meals, receive predetermined services from the clerks, and hand over the products to the clerks. In step ST5, the clerk urges the user Ua of the user terminal 30A to pay a fee using the store terminal 40. The user Ua pays the total amount of the fees of the users Ua to Uc on behalf of the users Ua to Uc. The control unit 41 causes the display unit 45 of the shop terminal 40 to display the amount of the fee. The shop terminal 40 transmits the fee information and the shop information to the wallet server 10.

After the above, in step ST6, the payment settlement processing unit 315 of the user terminal 30 issues a payment settlement request for settling the payment settlement amount determined in step ST5 to the shop terminal 40, for example, using the electronic money credited to the wallet or by displaying a predetermined code. During the above process, the payment settlement processing unit 315 of the user terminal 30 may output the user information to the shop terminal 40.

Subsequently, in step ST7, the control unit 41 outputs the payment settlement request acquired from the user terminal 30 to the wallet server 10 and the payment service provider server 20. During the above-described process, the control unit 41 may output the user information acquired from the user terminal 30 to the wallet server 10 and the payment service provider server 20. Note that the payment settlement request may be transmitted to any one of the wallet server 10 and the payment service provider server 20. Further, in response to the transmission request from the wallet server 10, the user information may be transmitted from the store terminal 40 to the wallet server 10.

In step ST8, the control unit 11 of the wallet server 10 updates the wallet information 132 stored in the storage unit 13 according to the payment settlement amount. When the control unit 11 receives the user information, the control unit 11 may update the user information 131. The control unit 11 transmits the updated wallet information 132 to the user terminal 30.

In step ST9, the control unit 21 of the payment service provider server 20 updates the payment settlement information 233 stored in the storage unit 23 according to the payment settlement amount. The payment service provider server 20 transmits the updated payment settlement information 233 to the wallet server 10.

In step ST10, the control unit 11 of the wallet server 10 updates the payment settlement information 133 stored in the storage unit 23 with the received payment settlement information 233. The control unit 11 transmits the updated payment settlement information 133 to the user terminal 30.

Subsequently, in step ST11, the control unit 21 of the payment service provider server 20 transmits payment settlement completion information containing content indicating completion of the payment settlement processing to the wallet server 10, the user terminal 30, and the shop terminal 40. Note that the control unit 11 of the wallet server 10 may perform all of steps ST8 to ST 11. Further, the control unit 21 of the payment service provider server 20 may perform all the steps of ST8 to ST 11.

In step ST12, the control unit 41 of the shop terminal 40 generates the purchase information 431. That is, upon receiving the payment completion information, the control unit 41 generates purchase information 431, the purchase information 431 containing information about products and services the user settled the payment using the user terminal 30, the payment settlement amount, and the like. For example, when the users Ua to Uc eat at the shop 2 and the user Ua makes payment settlement on behalf of the users Ua to Uc, the control unit 41 generates purchase information 431, the purchase information 431 including information on the dining menu contents of the users Ua to Uc, information on the menu prices of the respective users, and the like. The control unit 41 associates the generated purchase information 431 with the user information 432 acquired in step ST4, and transmits the information to the wallet server 10. The control unit 11 of the wallet server 10 stores the received purchase information 431 contained in the store information 134 in the storage unit 13, and stores the received user information 432 as the user information 131 in the storage unit 13.

Thereafter, in step ST13, the control unit 11 of the wallet server 10 generates group information and consumption information to generate the group consumption information 135.

Specifically, as shown in fig. 7, first, in step ST21, user identifying unit 111 of control unit 11 acquires user information 131 in user terminals 30A to 30C held by users Ua to Uc from storage unit 13 through a plurality of user terminals 30. Through the above-described processing, the user identifying unit 111 can obtain the user information 432 received from the shop terminal 40. Further, in step ST22, the user identifying unit 111 reads out and obtains the purchase information 431 received from the shop terminal 40 from the storage unit 13.

Next, in step ST23, the group information generating unit 112 of the control unit 11 selects the user information 131 of the user terminal 30A of the user Ua who has performed payment settlement at the store 2 from the acquired user information 432 based on the purchase information 431. Next, the group information generating unit 112 retrieves, from the user information 131, the other user terminals that can be grouped with the user terminal 30A of the user Ua, that is, the user terminals 30B, 30C of the users Ub, Uc, based on the information contained in the acquired user information 432. For example, the information contained in the user information 432 includes information about the positions of the users Ua to Uc when the users Ua to Uc use the shop 2, information about reading of the barcode symbols at the shop 2 using the user terminals 30A to 30C, and information about reading of the barcode symbols displayed by the user terminals 30A to 30C and read by the shop terminal 40. With the above-described configuration, the group information generating unit 112 identifies the respective users Ua to Uc who have used the shop 2 as a group, and generates group information in the group consumption information 135.

As shown in fig. 8, the group information contains the store ID of the store 2 on which payment settlement has been performed, and the date on which the store 2 is used by the group. The group information contains a user ID to which a group number as a number for distinguishing a group is assigned, and is contained in the user information 131 of each of the users Ua to Uc. Other symbols or the like may be used as the group number as long as the groups are distinguished from each other in the group information.

Next, in step ST24 shown in fig. 7, the consumption information generating unit 113 of the wallet server 10 generates consumption information of each of the users Ua to Uc in the group consumption information 135 based on the payment settlement information 133 and the purchase information 431 included in the acquired shop information 134. After that, in step ST25, the consumption information generating unit 113 of the control unit 11 associates the group information with the consumption information generated as described above based on the payment settlement information 133 and the user information 131 associated with the purchase information 431, and generates the group consumption information 135. The consumption information generating unit 113 then stores the group consumption information 135 in the storage unit 13. Through the above processing, the generation processing of the group consumption information 135 including the consumption information associated with the group information is completed.

Here, a specific example of the group consumption information 135 will be described with reference to fig. 8. As shown in fig. 8, specifically, taking the group having the group number (group number) "101" as an example, the user Ua (user ID: "TSUK 01") makes payment settlement of 4,000 yen in the shop 2 having the shop ID "AAA" on 19 days 2 and 19 months 2020. In addition, user Uc (e.g., user ID: "JKLM 06") independently made payment settlement for 2,000 yen. The consumption information generating unit 113 calculates an amount to be paid by another user Ub (user ID: "AFUM 02") as a calculated amount based on the payment settlement amount of the payment settlement processing performed by the users Ua, Uc.

Further, taking a group having a group number (group number) "102" as an example, the user Ua (user ID: "TSUK 01") in the group has made payment settlement of 12,000 yen in the shop 2 having a shop ID "BBB" on 3, 10 months in 2020. After that, the consumption information generating unit 113 calculates the amounts to be paid by the four member users of the group. In fig. 8, the consumption information generating unit 113 performs calculation such that each user pays an average of 3,000 yen (obtained by dividing 12,000 by four). Note that the calculated amount may be changed as appropriate by the user who performs payment settlement. As described above, when the product purchased at the shop 2 included in the purchase information 431 is a product consumed by the entire group (such as "party package a"), the calculated amount may be calculated such that the amount of each user becomes substantially uniform or substantially equal.

Further, taking the group having the group number (group number) "104" as an example, one user (user ID: "ABCD 05") performs payment settlement of 15,000 yen, and the other user (user ID: "AFUM 02") performs payment settlement of 12,000 yen. In this case, the consumption information is generated based on the selection of the member set by the two users who have performed payment settlement. In the example shown in FIG. 8, the user with user ID "ABCD 05" pays together for the services accepted by the other two users (user IDs: "TSUK 01" and "FGHI 07"). In this case, the consumption information generating unit 113 calculates the consumption amounts of the two users (user IDs: "TSUK 01" and "FGHI 07") as the calculated amounts based on the purchase information 431. Similarly, users with user ID "AFUM 02" pay together for the service that one user (user ID: "QRST 08") receives. The consumption information generating unit 113 calculates the amount of money consumed by one user (user ID: "QRST 08") as the calculated amount of money based on the purchase information 431. As described above, the generated group consumption information 135 is stored and collected in the storage unit 13. That is, the group consumption information 135 is accumulated as big data in the storage unit 13 of the wallet server 10.

Notification method of notification information of wallet server

Next, a notification method of notification information using the consumption tendency data accumulated as described above will be described. As shown in fig. 9, first, in step ST31, the control unit 41 of the shop terminal 40 periodically or timely transmits notification information 433 to the wallet server 10. The control unit 11 of the wallet server 10 that has acquired the notification information 433 stores the acquired notification information 433 in the storage unit 13 as the notification information 136 in step ST 32.

On the other hand, in step ST33, the user terminal 30(30A, 30B, 30C) transmits the position information to the wallet server 10 periodically or timely in the same manner as in step ST 1. In step ST34, the control unit 11 of the wallet server 10 stores the acquired location information in the storage unit 13 as the user information 131. The order of step ST31 and step ST32 and the order of step ST33 and step ST34 may be reversed.

In step ST35, user identifying section 111 of control section 11 determines whether or not user terminals 30 (e.g., user terminals 30A to 30C) form a group.

Here, the user identifying unit 111 may determine whether the users Ua to Uc holding the user terminals 30A to 30C are members of the group based on the location information of the user terminals 30A to 30C at a predetermined time. That is, when the positions included in the position information transmitted from the user terminals 30A to 30C are within a predetermined distance from each other for a predetermined time, the user identifying unit 111 may determine that the users Ua to Uc holding the user terminals 30A to 30C are members of the group.

Further, the user identification unit 111 acquires information on performing short-range communication such as NFC or infrared communication between the user terminals 30A to 30C with each other. The user identifying unit 111 may then determine whether the users Ua to Uc are members of the group based on whether short-range communication is performed.

Further, the user identification unit 111 may determine whether the users Ua to Uc are members of the group by communication between the radio beacon communication units provided at the locations along the road or various facilities and the user terminals 30A to 30C, similarly to the radio beacon communication unit 46. That is, when the users Ua to Uc are members of the group, communication between the user terminals 30A to 30C and the radio beacon communication unit 46 is continuously performed. Therefore, the communication time stamp becomes close and the communication time becomes long. Thereby, the user information acquired from each of the user terminals 30A to 30C can be associated with each other based on the communication time stamp and the communication time. Through the above-described processing, the radio beacon communication unit acquires the user information from the user terminals 30A to 30C and outputs the acquired user information to the wallet server 10, so that the user identification unit 111 can determine whether the user terminals 30A to 30C constitute a group.

As a method of determining a group using the user identifying unit 111, one of the above-described methods may be used, or a plurality of the above methods may be used in combination.

When the user identifying unit 111 determines in step ST35 that the user terminals 30A to 30C constitute a group (step ST 35: yes), the process proceeds to step ST 36. In step ST36, the user identifying unit 111 determines that the users Ua to Uc holding the user terminals 30A to 30C are members of the group. Subsequently, the user identifying unit 111 retrieves the user IDs of the user terminals 30A to 30C confirmed as a group from the user information 131 stored in the storage unit 13. Next, the user identifying unit 111 retrieves the group consumption information 135 containing all the user IDs from the group consumption information 135 based on the retrieved user IDs. Subsequently, the group information generating unit 112 retrieves the group information from the retrieved group consumption information 135.

That is, as shown in fig. 10, when the user IDs in the user terminals 30A to 30C are "TSUK 01", "AFUMI 02", and "JKLM 06", the group information generating unit 112 retrieves the group consumption information 135 including the group number "101". The group information generating unit 112 generates group information from the date, the user ID, and the group number determined as a group by the user identifying unit 111 based on the retrieved group consumption information 135. The generated group information is stored in the storage unit 13.

Next, the process proceeds to step ST37 shown in fig. 9. The user identification unit 111 selects more than one user ID based on at least one of the generated group information and the retrieved group consumption information 135. Note that all user IDs may be selected. Here, for example, the user Ua is selected.

Next, the process proceeds to step ST 38. The user identifying unit 111 determines a user from the group based on the selected user ID. When the user identifying unit 111 determines that the user terminals 30A to 30C do not form a group (step ST 35: No) and the process proceeds to step ST38, the users Ua to Uc of the user terminals 30A, 30B and 30C are respectively confirmed as the selected users.

Next, the process proceeds to step ST 39. The user identifying unit 111 selects the notification information 136 based on the group consumption information including the generated group information. Specifically, as shown in fig. 10, the user identifying unit 111 selects a predetermined store 2 based on the group consumption information 135 retrieved in step ST36 and the generated group information, and retrieves the notification information 136 acquired from the store 2. In other words, the user identifying unit 111 selects the notification information 136 of the store 2 selected based on the group consumption information 135 corresponding to the group information from the plurality of notification information 136 acquired from the store terminal 40. When the user identifying unit 111 determines in step ST35 shown in fig. 9 that the user terminals 30A to 30C do not constitute a group, the user identifying unit 111 may select the notification information 136 based on the group consumption information 135 containing the user Ua.

The process proceeds to step ST 40. The consumption information generating unit 113 transmits the selected notification information 136 to the user terminal 30A of the user Ua selected in step ST 38. The user terminal 30A that has received the notification information 136 in step ST41 stores the acquired notification information 136 in the storage unit 33. The display control unit 311 of the user terminal 30A enables the operation display unit 35 to display the acquired notification information 136. Through the above processing, the notification processing of the notification information 136 by the wallet server 10 is completed.

Further, fig. 11, 12, and 13 show the group consumption information 135, the group information generated based on the determination as a group, and the notification information 136 selected based on the generated group information and the retrieved group consumption information 135, respectively.

As shown in fig. 11, when the user IDs of the user terminals 30A to 30C constituting the group are "TSUK 01", "ABCD 05", and "IAKI 03", respectively, the group information generating unit 112 retrieves the group consumption information 135 including the above user IDs. Here, a group with group number "102" is selected. However, even when the user ID "AFUM 02" is not included, the group having the group number "102" may be selected. The group information generating unit 112 generates group information from the date, the user ID, and the group number determined as a group by the user identifying unit 111 based on the retrieved group consumption information 135. In this case, the group number may be different from "102". The generated group information is stored in the storage unit 13.

Also in fig. 12 and 13, the group information generating unit 112 generates new group information based on the user ID determined as a group, and the user identifying unit 111 may select the notification information 136 based on the generated new group information and the retrieved group consumption information 135.

In a group consisting of a plurality of users, when one of the plurality of users pays a fee for a product or service provided for the group on behalf of the users in the group, there is a method for estimating consumption behavior of each user and collecting consumption tendency data. However, even when the consumption tendency data of each user in the group is accumulated as large data, there is a possibility that the use of the consumption tendency data is limited to the use of the consumption tendency data based on the individual. In contrast, according to the embodiments of the present disclosure described above, when a plurality of users form a group based on consumption tendency data in behavior as a group, information required for the group can be retrieved and presented to the users in the group. Thereby, more appropriate information can be presented to the user via the wallet system 1.

Although the embodiment of the present disclosure has been specifically described above, the present disclosure is not limited to the embodiment, and various modifications based on the technical idea of the present disclosure are possible. The present disclosure also includes configurations in which components according to the present disclosure are appropriately combined. Further effects and modifications can be easily derived by those skilled in the art. Therefore, the broader aspects of the present disclosure are not limited to the embodiment, and may be modified in various forms. For example, the evaluation screens illustrated in the embodiments are merely examples, and different evaluation screens may be used as necessary. The present disclosure is not limited by the description and drawings which constitute a part of the present disclosure according to the present embodiments.

Recording medium

According to the present embodiment, a program capable of executing the processing methods of the wallet server 10, the payment service provider server 20, the user terminal 30, and the store terminal 40 may be recorded in a recording medium readable by a computer or other machine or device (hereinafter, simply referred to as a computer). A computer serving as a control unit of the wallet server 10 and the user terminal 30 can be used to read a program stored in a recording medium and execute the program. Here, the recording medium that can be read by the computer refers to a non-transitory storage medium that accumulates information such as data and programs by an electric, magnetic, optical, mechanical, or chemical action, and from which the computer can read the information. Examples of the recording medium that can be removed from the computer among the above recording media include, for example, a floppy disk, a magneto-optical disk, a compact disc read only memory (CD-ROM), a compact disc rewritable (CD-R/W), a Digital Versatile Disc (DVD), a blu-ray disc (BD), a Digital Audio Tape (DAT), a magnetic tape, and a memory card such as a flash memory. In addition, examples of the recording medium fixed to the computer include a hard disk and a Read Only Memory (ROM). Further, a Solid State Drive (SSD) may be used as a recording medium removable from a computer or as a recording medium fixed to a computer.

Information processing system

As another embodiment, the functions of the user identification unit 111, the group information generation unit 112, and the consumption information generation unit 113 may be divided and performed by a plurality of devices communicable with each other via the network NW.

Other embodiments

Further, in the wallet server 10, the payment service provider server 20, the user terminal 30, and the shop terminal 40 according to the present embodiment, for example, the "unit" may be interpreted as a "circuit". For example, a communication unit may be interpreted as a communication circuit.

Further, the programs executed by the wallet server 10, the payment service provider server 20, the user terminal 30, and the store terminal 40 according to the present embodiment may be configured to be stored in a computer connected to a network (such as the internet) and executed by being downloaded via the network.

In the description of the flowcharts in this specification, expressions such as "first", "next", and "subsequent" are used to clarify the processing order between the steps. However, the order of processing required to implement the embodiment is not always uniquely defined by those statements. That is, the processing order in the flowcharts described in this specification can be changed within a range of coincidence.

Further effects and modifications will be readily apparent to those skilled in the art. The broader aspects of the disclosure are not limited to the specific details and representative embodiments shown and described above. Accordingly, various modifications may be made without departing from the spirit or scope of the general inventive concept as defined by the appended claims and their equivalents.