JP6480628B1 - Information processing method, information processing apparatus, and program - Google Patents

Abstract

To provide an information processing method capable of presenting a more appropriate settlement means to a user when a plurality of settlement means can be used in a store to be used.
An information processing method executed by a second information processing apparatus that communicates with a first information processing apparatus used by a user, the third information processing apparatus receiving a settlement from the first information processing apparatus, and the first information processing apparatus A specifying step for specifying a plurality of payment means that can be used for payment using an information processing device; and a determination step for determining a priority for each of the specified plurality of payment means based on a predetermined criterion; There is provided an information processing method including a display step of causing a first information processing apparatus to display a plurality of specified settlement means in association with a determined priority.
[Selection] Figure 9

Description

  The present disclosure relates to an information processing method, an information processing apparatus, and a program.

  Currently, there are various settlement means such as credit card, debit card, prepaid card, electronic money, and two-dimensional code settlement, and settlement can be performed using an information processing terminal. Further, when performing shopping or the like, the user can make payment using an arbitrary settlement means from among these settlement means. For example, Patent Document 1 discloses a payment processing method and a payment processing system that can deal with a wide variety of payment means.

JP 2003-016361 A

  The settlement means that can be used at a store often differs from store to store. Therefore, when paying at a store, the user needs to select a payment method used for payment from payment methods available at the store to be used. In addition, when a plurality of payment methods can be used in a store to be used, the user needs to select one more payment method from among the plurality of payment methods, which impairs convenience.

  An object of the present disclosure is to provide an information processing method capable of presenting more appropriate payment means to a user when a plurality of payment means are available in a store to be used.

  An information processing method according to an embodiment of the present disclosure is an information processing method executed by a second information processing apparatus that communicates with a first information processing apparatus used by a user, and that performs settlement from the first information processing apparatus. A specifying step for specifying a plurality of settlement means that can be used for settlement using the third information processing apparatus and the first information processing apparatus to be accepted, and each of the plurality of identified settlement means is based on a predetermined standard A determination step for determining priority, and a display step for causing the first information processing apparatus to display the determined plurality of settlement means in association with the determined priority.

It is a figure showing the composition of the communications system concerning one mode of an embodiment. It is a figure showing an example of hardware constitutions of an information processor concerning this indication. It is a figure which shows an example of the block diagram which shows the functional structure of the server which concerns on 1st Embodiment. It is a figure which shows an example of shop management information and user information. It is a figure which shows an example of the block diagram which shows the functional structure of the terminal which concerns on 1st Embodiment. It is a figure which shows an example of the sequence of the process of the communication system 1 which concerns on 1st Embodiment. It is a figure which shows an example of the screen of the terminal which concerns on 1st Embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on 2nd Example of 1st Embodiment. It is a figure which shows an example of the block diagram which shows the functional structure of the server which concerns on 2nd Embodiment. It is a figure which shows an example of usage history information. It is a figure which shows an example of priority setting information. It is a figure which shows an example of the screen of the terminal which concerns on 3rd Embodiment. It is a figure which shows an example of the screen of the terminal which concerns on 3rd Embodiment.

<Legal Compliance>
When implemented, the disclosure set forth herein is implemented in compliance with the laws and regulations of each country in which the disclosure is implemented. In addition, the disclosure described in the present specification is carried out with all changes, substitutions, changes, alterations and modifications necessary for a person skilled in the art to comply with the laws and regulations of each country.

  The form for implementing the communication system 1 which concerns on this indication is demonstrated with reference to drawings.

<System configuration>
FIG. 1 shows a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, a server 110 </ b> A and a server 110 </ b> B are connected to a terminal 120 </ b> A, a terminal 120 </ b> B, and a terminal 120 </ b> C via a network 130.

  In the present disclosure, when there is no need to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

  In the present disclosure, when it is not necessary to distinguish the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

  In the present disclosure, when there is no need to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing apparatus 200, respectively. Note that the number of information processing apparatuses 200 connected to the network 130 is not limited.

  The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. Examples of the predetermined service include, but are not limited to, a payment service, an electronic commerce service, an SNS (Social Networking Service) represented by an instant messenger, a content providing service such as a music, a video, and a book. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

  As necessary, a terminal used by the user X is expressed as a terminal 120X, and user information in a predetermined service associated with the user X or the terminal 120X is expressed as user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. By way of example and not limitation, the user information is input by the user or given by a predetermined service. The user name, the user icon image, the user age, the user gender, the user address, the user hobby It includes information associated with the user, such as preferences, user identifiers, etc., and any one or a combination of these may be used.

  The network 130 plays a role of connecting two or more information processing apparatuses 200. The network 130 refers to a communication network that provides a connection path so that data can be transmitted and received after the terminal 120 is connected to the server 110.

  One or more portions of the network 130 may be a wired network or a wireless network. Examples of the network 130 include, but are not limited to, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), and wireless. LAN (Wireless LAN: WLAN), wide area network (WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (Metropolitan Area Network: MAN), part of the Internet, public switched telephone network (Public Part of Switched Telephone Network (PSTN), mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite Communication, or It may include two or more combinations of these. The network 130 can include one or more networks 130.

  The information processing apparatus 200 may be any information processing apparatus as long as it can implement the functions and / or methods described in the present disclosure.

  The information processing apparatus 200 includes, for example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, but not limited to a desktop, a laptop, a tablet, etc.), a server device, and a media computer platform (for example, not for limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (such as, but not limited to, PDA (Personal Digital Assistant), email clients), wearable terminals (such as, but not limited to, glasses-type devices, Clock-type devices), other types of computers, or communication platforms.

<Hardware (HW) configuration>
The HW configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG.

  The information processing apparatus 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The components of the HW of the information processing apparatus 200 are connected to each other via a bus B as an example and not limitation.

  The information processing apparatus 200 implements the functions and / or methods described in the present disclosure in cooperation with the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. To do.

  The processor 201 executes functions and / or methods realized by codes or instructions included in programs stored in the storage 203. The processor 201 includes, but is not limited to, a central processing unit (CPU), an MPU (micro processing unit), a GPU (graphics processing unit), a microprocessor, a processor core, and a multiprocessor. Logic circuits (hardware) formed in integrated circuits (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc., including ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc. Each process disclosed in each embodiment may be realized by a dedicated circuit. These circuits may be realized by one or a plurality of integrated circuits, and a plurality of processes shown in the embodiments may be realized by a single integrated circuit. An LSI may also be referred to as a VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

  The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area to the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing the program. The memory 202 includes, for example and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

  The storage 203 stores a program. The storage 203 includes, without limitation, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

  A communication I / F 205 transmits and receives various data via the network 130. The communication may be executed either by wire or wireless, and any communication protocol may be used as long as mutual communication can be executed. The communication I / F 205 has a function of executing communication with other information processing apparatuses via the network 130. The communication I / F 205 transmits various data to other information processing apparatuses in accordance with instructions from the processor 201. Further, the communication I / F 205 receives various data transmitted from other information processing apparatuses and transmits the data to the processor 201.

  The input / output I / F 204 includes an input device that inputs various operations to the information processing device 200 and an output device that outputs a processing result processed by the information processing device 200. In the input / output I / F 204, the input device and the output device may be integrated, or the input device and the output device may be separated.

  The input device is realized by any one or a combination of all types of devices that can receive an input from a user and transmit information related to the input to the processor 201. Examples of the input device include, but are not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input through an image), and a microphone (operation input by voice).

  The output device is realized by any one of all types of devices that can output the processing result processed by the processor 201, or a combination thereof. When outputting the processing result as a video and / or moving image, the output device can select any one of all types of devices that can display the display data according to the display data written in the frame buffer, or the Realized by combination. Examples of output devices include, but are not limited to, a touch panel, a touch display, a monitor (for example, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM), projection mapping, and a hologram. A device capable of displaying images, text information, etc. in the air (which may be vacuum), a speaker (sound output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

  The program according to each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program in “a tangible medium that is not temporary”. Programs include, without limitation, software programs and computer programs.

  The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) where appropriate, such as, but not limited to, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc. ), Hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

  Moreover, the program of this indication may be provided to the information processing apparatus 200 via arbitrary transmission media (a communication network, a broadcast wave, etc.) which can transmit the said program.

  Also, each embodiment of the present disclosure may be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

  The program of the present disclosure is not limited and includes, for example, script languages such as ActionScript and JavaScript (registered trademark), object-oriented programming languages such as Objective-C and Java (registered trademark), and markup languages such as HTML5. Implemented using.

  At least a part of the processing in the information processing apparatus 200 may be realized by cloud computing including one or more computers.

  It is good also as a structure which performs at least one part of the process in the information processing apparatus 200 by another information processing apparatus. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be performed by another information processing apparatus.

<Others>
Unless explicitly stated, the configuration of determination in the embodiment of the present disclosure is not essential, and predetermined processing is performed when the determination condition is satisfied, or predetermined processing is performed when the determination condition is not satisfied. May be.

  In this disclosure, unless stated otherwise or indicated by context, “or” has an inclusive rather than an exclusive meaning. Thus, in this disclosure, unless stated otherwise or indicated by context, “A or B” means “A, B, or both”. Further, unless stated otherwise or indicated by context, “and” means both joint and individual. Thus, unless stated otherwise or indicated by context, “A and B” herein means “A and B together or individually (A and B, jointly or generally)”. Further, unless otherwise specified or indicated by context, “a”, “an”, or “the” shall mean “one or more”. Thus, herein, “an A” or “the A” means “one or more A” unless stated otherwise or indicated by context.

  The present disclosure includes all changes, substitutions, variations, modifications, and modifications that can be made by those skilled in the art to the embodiments and / or examples of the present disclosure. Similarly, where appropriate, the appended claims cover all modifications, substitutions, variations, alterations, and modifications that may be made by those skilled in the art to the embodiments and / or examples of the disclosure. Include. Further, the disclosure may include one or more features of the embodiments and / or examples in the present disclosure and one of the other embodiments and / or examples in the disclosure that may be made by those skilled in the art. Includes any combination with one or more features.

  In addition, a device or system or a device or system component that is adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function References in the appended claims to are made, devices, systems, or components so adapted, arranged, capable, configured, enabled, operable. As long as the device, system, component or its particular function is activated, turned on, or unlocked, the device, system, component is encompassed.

<First Embodiment>
The first embodiment is an embodiment in which the server 110 specifies payment means that can be used around the location of the terminal 120 and notifies the terminal 120 of the specified payment means. According to the first embodiment, since it is presented to the user by narrowing down the settlement means that can be used for payment at the store, an effect of improving the convenience for the user can be obtained. Also, by presenting only the available payment means, the effect that the payment process is smooth can be obtained. In addition, since it is possible to prevent the payment means that cannot be used from being erroneously activated, the processing load of the terminal 120 is reduced, and the amount of communication data with the payment system necessary for activation of the payment means is reduced. The effect that it can be obtained. In the following description, unless otherwise specified, a “store” is a store in which an information processing device that accepts payment from the terminal 120 is installed, or an information processing device that accepts payment from the terminal 120 installed in the store. Used to indicate one of the following. The information processing apparatus may be a settlement terminal or a POS terminal, for example, without limitation. The terminal 120 may have a function of communicating with the information processing apparatus in order to make a payment. In the following description, an information processing apparatus that accepts payment from the terminal 120 is referred to as a “settlement terminal” for convenience. In addition, the description of “settlement means usable at a store” in the following description can be replaced with the description of “settlement means usable for settlement using the terminal 120 and a settlement terminal”.

<Functional Configuration of First Embodiment>
A functional configuration of the server 110 will be described with reference to FIG. The functional unit disclosed in FIG. 3 is realized by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 included in the information processing apparatus 200.

(1) Server Functional Configuration The server 110 includes a communication unit 311, a position specifying unit 312, a payment unit specifying unit 313, a payment unit notification unit 314, and a storage unit 315. The communication unit 311, the position specifying unit 312, the settlement unit specifying unit 313, and the settlement unit notification unit 314 are realized by the processor 201 reading and executing a program stored in the storage unit 315. The storage unit 315 is realized using the memory 202 and / or the storage 203.

  The storage unit 315 manages the program executed by the server 110 according to the first embodiment, the settlement means that can be used at each store, the store management information that manages the location of each store, and the settlement means that can be used by the user. User information is stored. The payment means usable by the user is a payment means that is set to be usable in the terminal 120 owned by the user.

  FIG. 4A shows an example of store management information. In “Store ID”, an ID for specifying a store is stored. Store name is stored in “Store Name”. Information indicating a position where the store exists is stored in the “store position”. The position where the store exists may be expressed by using latitude and longitude as an example without limitation, or the short-range wireless identifier included in the wireless signal transmitted by the short-range wireless device installed in the store It may be expressed using.

  Note that the short-range wireless identifier is not limited and includes, for example, a beacon ID included in a beacon transmitted by a BLE (Bluetooth Low Energy) device, an SSID included in a wireless signal transmitted by a WiFi (registered trademark) device, and an ultrasonic wave. Any identification information may be included. The “settlement means” stores the settlement means that can be used at the store. For example, it is shown that the settlement means A, the settlement means B, and the settlement means E can be used in the store whose store ID is S02.

  FIG. 4B shows an example of user information. “User ID” stores an ID for identifying a user. The “settlement means” stores settlement means that can be used by the user (terminal 120 used by the user).

  The communication unit 311 has a function of performing processing for receiving various data from the terminal 120 via the communication I / F 205 and processing for transmitting various data to the terminal 120 using the communication I / F 205.

  The position specifying unit 312 specifies the position of the terminal 120 by acquiring the position information of the terminal 120 notified from the terminal 120. Further, the position specifying unit 312 specifies the position of the store (or payment terminal) by acquiring the store position from the store management information. Since the position specifying unit 312 acquires the position information of the terminal 120 and the store position, it may be called a position acquisition unit.

  The payment means specifying unit 313 has a function of specifying a payment means that can be used in the store based on the location information of the terminal 120 and the location information of the store. Further, the settlement means specifying unit 313 displays the terminal 120 when there is a store within a predetermined range from the position of the terminal 120 (that is, when the location information of the terminal 120 and the location information of the store are included within the predetermined range). The settlement means that can be used at a store that is within a predetermined range from the position may be specified as the settlement means that can be used at the store. Here, the settlement means that can be used at a store within a predetermined range from the position of the terminal 120 may be a settlement means that can be used at the store, or a settlement means that can be used at the store. And a payment means common to the payment means available at the terminal 120 may be used.

  The settlement means notification unit 314 has a function of notifying (transmitting) the identified settlement means to the terminal 120 via the communication unit 311. The settlement means notification unit 314 may notify the terminal 120 of an instruction to activate the identified settlement means. The settlement means notification unit 314 may be referred to as a transmission unit.

(2) Functional configuration of terminal The functional configuration of the terminal 120 will be described with reference to FIG. The function unit disclosed in FIG. 5 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 included in the information processing apparatus 200.

  The terminal 120 includes an input / output unit 321, a communication unit 322, a display control unit 323, a position measurement unit 324, and a storage unit 325. The input / output unit 321, the communication unit 322, the display control unit 323, and the position measurement unit 324 are realized by the processor 201 reading and executing a program stored in the storage unit 325. The storage unit 325 is realized using the memory 202 and / or the storage 203.

  The input / output unit 321 has a function of receiving input of various data via the input / output I / F 204 and processing of outputting various data via the input / output I / F 204.

  The communication unit 322 has a function of performing processing for receiving various data from the server 110 via the communication I / F 205 and processing for transmitting various data to the server 110 using the communication I / F 205. In addition, the communication unit 322 transmits position information indicating the position of the terminal 120 measured by the position measurement unit 324 to the server 110.

  The communication unit 322 may have a function of receiving a short-range wireless signal. This function may be called a short-range wireless reception unit. When the communication unit 322 receives the short-range wireless signal, the communication unit 322 may transmit the short-range wireless identifier included in the received short-range wireless signal to the server 110.

  The display control unit 323 has a function of displaying on the display of the terminal 120 a screen showing available payment means, a screen for accepting selection of a payment means desired by the user, and the like.

  The position measurement unit 324 has a function of measuring the current position of the terminal 120. The position measurement unit 324 measures the latitude and longitude of the terminal 120 as the current position of the terminal 120 by using GPS (Global Positioning System) as an example and not limitation. Note that the measurement of the position information of the terminal 120 by the position measurement unit 324 is not limited to GPS, and any method may be used. By way of example and not limitation, the position measurement unit 324 may measure the position of the terminal 120 using a wireless LAN such as Wi-Fi. In addition, the position measurement unit 324 measures the position of the terminal 120 by using a communication method such as IMES (Indoor Messaging System), RFID (Radio Frequency Identifier), BLE (Bluetooth Low Energy), and the like. May be. In addition, the position measurement unit 324 may measure the position of the terminal 120 using a mobile communication system such as LTE or CDMA, for example, without limitation.

<Operation Process of First Embodiment>
Processing of the communication system 1 according to the embodiment will be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a processing sequence of the communication system 1 according to the first embodiment.

  First, the position measurement unit 324 of the terminal 120 generates position information of the terminal 120 by measuring its own position (S100). Subsequently, the communication unit 322 transmits the position information of the terminal 120 to the server 110 (S110). Note that the communication unit 322 may detect a short-range wireless identifier by searching for a short-range wireless signal, and transmit the detected short-range wireless identifier to the server 110.

  The position specifying unit 312 of the server 110 specifies the position of the terminal 120 based on the position information received from the terminal 120. Subsequently, the settlement means specifying unit 313 acquires the location information of the store by accessing the store management information, and specifies a store that exists within a predetermined range from the specified location of the terminal 120 (S120). The predetermined range is arbitrary, but is not limited, and may be within 100 m, within 500 m, within 1 km, and the like. Subsequently, the payment means specifying unit 313 specifies the payment means corresponding to the specified store by accessing the store management information (S130). For example, in the example of FIG. 4A, when the store existing within a predetermined range from the position of the terminal 120 is the store S03, the settlement means specifying unit 313 uses the settlement means that can be used at the store S03. B, settlement means C and settlement means D are identified. At this time, the payment means specifying unit 313 obtains the payment means usable at the store (payment terminal) and the payment means available at the terminal 120 by accessing both the store management information and the user information, You may make it identify the payment means contained in common in both the acquired payment means as a payment means usable in a shop.

  Note that the settlement means specifying unit 313 transmits the short-distance wireless device received by the terminal 120 and transmitted from the short-range wireless device installed in the store, instead of the location information of the terminal 120 and the location information of the store (or settlement terminal). You may make it identify the payment means which can be utilized in a shop based on a radio | wireless identifier. The short-range wireless device installed in the store may be the same as the payment terminal or a device different from the payment terminal.

  In this case, the processing procedures of step S120 and step S130 are executed as follows. First, the settlement means specifying unit 313 acquires the short-range wireless identifier received by the terminal 120. Subsequently, the payment means specifying unit 313 specifies the payment means of the store corresponding to the short-range wireless identifier received by the terminal 120 by accessing the store management information using the acquired short-range wireless identifier as a key. For example, in the example of FIG. 4A, when the short-range wireless identifier received from the terminal 120 is 2222, the settlement means specifying unit 313 uses the settlement means A, the settlement means B, and the settlement means available at the store. The payment means E is specified.

  Alternatively, the payment means specifying unit 313 can be used in the store based on short-range wireless communication established between the terminal 120 and the payment terminal instead of the position information of the terminal 120 and the position information of the payment terminal. You may make it specify a payment means. The payment means specifying unit 313 acquires the short-range wireless identifier received by the terminal 120, and searches the store management information using the acquired short-range wireless identifier as a key, whereby the short-range wireless between the terminal 120 and the payment terminal. The establishment of communication may be detected.

  Subsequently, the settlement means notifying unit 314 notifies the terminal 120 of the identified settlement means that can be used in the store (S140). The display control unit 323 of the terminal 120 displays a screen for accepting selection of a settlement means (S150). Thereafter, the terminal 120 shifts to a state in which payment by the settlement means selected in response to the user operation on the screen is possible. FIG. 7A shows an example of a screen for accepting selection of a payment method, and FIG. 7B shows an example of a screen showing a state in which payment by the selected payment method is possible.

<First embodiment>
In the first example of the first embodiment, when a plurality of stores existing within a predetermined range from the position of the terminal 120 are specified, the payment means specifying unit 313 is common to a plurality of stores as an available payment means. You may make it specify the payment means which can be used for. For example, in the example of FIG. 4A, when two stores, store S02 and store S03, are specified as stores existing within a predetermined range from the position of the terminal 120, the settlement means specifying unit 313 can be used. The settlement means may be specified as “settlement means B”.

  According to the first embodiment, the payment means displayed on the screen of the terminal 120 can be used regardless of which store the user uses, which improves user convenience and is smooth. Payment processing can be realized. In addition, since no payment means that cannot be used for payment are displayed, it is possible to prevent unnecessary processing from being performed at the terminal 120, and wasteful communication can be performed between the payment system and the payment system. Can be suppressed.

<Second embodiment>
In the second example of the first embodiment, when a plurality of stores (or payment terminals) existing within a predetermined range from the position of the terminal 120 are specified, the payment means specifying unit 313 can use as available payment means: You may make it identify the payment means which can be used in the store (or payment terminal) designated by the user among a plurality of stores (or payment terminals). For example, in the example of FIG. 4A, when two stores of the store S02 and the store S03 are specified as stores existing within a predetermined range from the position of the terminal 120, and the user selects the store S03, The payment means specifying unit 313 may specify that the available payment means are the payment means B, the payment means C, and the payment means D.

  FIG. 8 is a diagram illustrating an example of a processing sequence of the communication system 1 according to the second example of the first embodiment. Note that the same processes as those in FIG. 6 are denoted by the same reference numerals and description thereof is omitted.

  When a plurality of stores are specified in the processing procedure of step S120, the settlement means specifying unit 313 transmits information regarding the specified stores (for example, a list of store names) to the terminal 120 (S122). Subsequently, the display control unit 323 of the terminal 120 displays a screen for accepting a store selection from the user based on the received information on the plurality of stores (S124). Subsequently, the input / output unit 321 of the terminal 120 accepts selection of a store in response to a user operation, and the communication unit 322 transmits information indicating the selected store to the server 110 (S126). The payment means specifying unit 313 of the server 110 specifies the payment means that can be used at the store selected by the user by accessing the store management information (S130-1).

  According to the second embodiment, since the user can select a store to be used, compared with the first embodiment, the range of settlement means that can be selected by the user is widened, so that the convenience of the user is improved. Smooth payment processing can be realized. In addition, since no payment means that cannot be used for payment are displayed, it is possible to prevent unnecessary processing from being performed at the terminal 120, and wasteful communication can be performed between the payment system and the payment system. Can be suppressed.

Second Embodiment
In the second embodiment, when a plurality of payment methods are available in a store used by a user, a priority based on a predetermined standard is assigned to each of the plurality of payment methods, and payment is performed together with the assigned priority. In this embodiment, the means is displayed on the screen of the terminal 120. The second embodiment may be combined with the first embodiment.

  According to the second embodiment, when a plurality of payment methods can be used, the priority of each payment method is displayed. Therefore, it is possible to improve convenience when the user selects a payment method. The effect of becoming is obtained. Further, by selecting a payment method having a high priority, the user can save time and effort for considering which payment method is appropriate, and the payment process can be smoothly performed. In addition, it is possible to reduce the processing load on the terminal 120 due to the wasteful selection of the payment method by the user, and to reduce the amount of communication data with the payment system required for starting the payment method. can get.

<Functional Configuration of Second Embodiment>
A functional configuration of the server 110 will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a block diagram illustrating a functional configuration of the server according to the second embodiment. When combining 2nd Embodiment with 1st Embodiment, the point which is not mentioned especially may be the same as 1st Embodiment.

(1) Server Functional Configuration The server 110 includes a communication unit 311, a position specifying unit 312, a payment unit specifying unit 313, a payment unit notification unit 314, a storage unit 315, and a priority determination unit 316. The communication unit 311, the position specifying unit 312, the settlement unit specifying unit 313, the settlement unit notifying unit 314, and the priority determining unit 316 read and execute the program stored in the storage unit 315 by the processor 201. It is realized by doing. The storage unit 315 is realized using the memory 202 and / or the storage 203.

  In addition to the store management information and user information described in the first embodiment, the storage unit 315 further stores usage history information indicating the usage status of the payment means at each store. FIG. 10 shows an example of usage history information. “Date and time” stores the date and time when the settlement means is used. “User ID” stores the user ID of the user who made the payment. The “settlement means” stores the settlement means used for payment. Store ID of the store where the settlement means is used is stored in “Store ID”. Note that the usage history information may not be stored in the server 110 but may be stored in another information processing apparatus 200 that can communicate with the server 110. The other information processing apparatus 200 that can communicate with the server 110 may be a server provided by a POS (Point of Sale) system or a third party, for example, without limitation.

  Since the processing procedure performed by the communication unit 311 and the position specifying unit 312 is the same as that of the first embodiment, description thereof is omitted. When the second embodiment operates alone, the position specifying unit 312 is not necessary.

  The payment means specifying unit 313 has a function of specifying a plurality of payment means that the terminal 120 can use at a predetermined store (by the user). The predetermined store is a store where the user pays, and may be, for example, a store designated by the user by the processing procedure described in the second example of the first embodiment.

  The priority determination unit 316 has a function of determining a priority based on a predetermined standard for each of the plurality of payment methods specified by the payment method specifying unit 313. A method for determining the priority will be described later.

  The settlement means notifying unit 314 notifies the terminal 120 in association with the plurality of settlement means specified by the settlement means specifying unit 313 and the priority determined by the priority determination unit 316. The settlement means notifying unit 314 has a function of causing the terminal 120 to display a plurality of settlement means specified by the settlement means specifying unit 313 and the priority determined by the priority determination unit 316 in association with each other. May be. In this case, the settlement means notification unit 314 may be referred to as a display notification unit.

(2) Functional configuration of terminal The functional configuration of the terminal 120 will be described with reference to FIG. The display control unit 323 displays the plurality of settlement means and the respective priorities notified from the server 110 on a screen that accepts selection of the settlement means. Since other functional configurations are the same as those of the first embodiment, description thereof is omitted. However, when the second embodiment operates alone, the position measurement unit 324 is not necessary. Further, the function of receiving short-range radio in the communication unit 322 is also unnecessary.

<Priority Determination Processing of Second Embodiment>
A process will be described in which the priority determination unit 316 determines the priority based on a predetermined standard for each of a plurality of settlement means that can be used in a store used by the user.

<First embodiment>
The priority determination unit 316 determines the priority of each of the plurality of payment means so that the priority becomes higher in the order of the payment means having the highest usage frequency in each store. For example, the priority determination unit 316 searches the usage history information to calculate the usage count for each payment method for the store used by the user, and the priority is set so that the priority increases in descending order of the usage count. May be determined. Or the priority determination part 316 calculates the frequency | count of use for every payment means about all the stores (all stores other than the store which a user uses) by searching utilization history information, and there are many frequency | counts of use. You may make it determine a priority so that a priority may become high in order.

  According to the first embodiment, the more frequently used settlement means, the higher the possibility of being used for payment at the store. This eliminates the need for the clerk to perform POS terminal operations or the like corresponding to different payment means each time payment is made, thereby reducing the work burden on the clerk. It is also possible to specify the number of uses of the payment means for each store.

<Second embodiment>
The priority determination unit 316 determines the priority of each of the plurality of payment means so that the priority becomes higher in the order of the payment means used by the user having a predetermined relationship with the user and having the highest use frequency. The second embodiment may be combined with the first embodiment.

  Being in a predetermined relationship means a state in which users are registered in the server 110 as a state in which users establish a predetermined relationship. By way of example and not limitation, a state in which a predetermined relationship has been established is a state in which mutual relationship construction has been approved, a state in which at least one has applied for relationship construction, a state in which a relationship has been established based on user information, a predetermined condition It may also include a state in which the relationship is established by satisfying.

  In addition, the user having a predetermined relationship with the user is not limited, and may be, for example, all users having a predetermined relationship with the user, a predetermined number of users, or closeness The user may be a predetermined degree or more.

  Here, the intimacy is a relationship with the user within a predetermined period (may be a period fixed in advance such as one month or two months, or may be a period from when a predetermined relationship is established until now). The degree may be determined so that the familiarity increases in descending order of the amount of messages transmitted / received between them.

  The familiarity may be a degree determined so that the familiarity becomes higher as the length of the period from when the predetermined relationship is established to the present is longer. The length of the period from when the predetermined relationship is established to the present time may be an absolute value, or may be a relative value among one or more users having a predetermined relationship with the user.

  Also, familiarity means that for a plurality of other users who have a predetermined relationship with the user, the longer the length of time that the other user is within a predetermined range from the user's position, the higher the familiarity becomes. It may be a degree to be determined. Intimacy is a relationship estimated for a plurality of users who have a predetermined relationship with the user based on the period from when the predetermined relationship is established until the present time and the location information of each user (for example, a family member). The degree may be such that the intimacy becomes higher as the relationship is estimated to be higher.

  The degree of intimacy is a degree determined so that the degree of intimacy becomes higher as the number of users in common with the user (the number of common friends) increases for a plurality of other users who have a predetermined relationship with the user. There may be.

  Intimacy is determined so that the greater the number of users who have established a predetermined relationship with the user who is communicating with the user, the higher the degree of familiarity is. It may be a degree.

  Intimacy is a degree determined so that the degree of familiarity increases as the degree of similarity between the user's own attributes and the attributes of each of a plurality of users having a predetermined relationship with the user increases. Also good. The user attribute may be, for example, interest or interest, but not limitation.

  According to the second embodiment, the use means used more frequently by a user who has a predetermined relationship with the user is more likely to be used for payment at the store. As a result, the user can preferentially use the payment means that are frequently used by users who have a predetermined relationship with the user.

<Third embodiment>
The priority determination unit 316 determines the priority of each of the plurality of settlement means so that the priority becomes higher in the order set by the user in advance. That is, the priority determination unit 316 determines the priority of each of the plurality of settlement means in response to an operation for determining the priority of the user. The server 110 stores priority setting information for storing the priority order preset by the user in the storage unit 315. FIG. 11 shows an example of priority setting information. “User ID” stores an ID for identifying a user. The “priority setting” indicates the priority set for each of the payment methods available to the user. The example of FIG. 11 indicates that the priority is higher in order from the right. The priority determination unit 316 determines the priority of each of the plurality of settlement means according to the priority setting information. The priority setting information may be stored in the terminal 120.

  According to the third embodiment, since the payment means is displayed on the terminal 120 in accordance with the priority predetermined by the user, it is possible to improve the convenience for the user. Further, since the server 110 does not need to perform processing for determining the priority, the processing amount of the server 110 can be reduced.

<Third Embodiment>
The third embodiment is an embodiment in which, when a plurality of payment methods are available in a store used by the user, the plurality of payment methods are displayed on the screen of the terminal 120 in association with the priority. It should be noted that displaying a plurality of payment methods in association with priorities is not limited to, for example, displaying the payment methods side by side in descending order of priority, displaying preferentially from the payment methods with higher priority, This includes displaying so that the settlement means with higher priority has higher visibility.

  In the following description, it is assumed that the third embodiment is combined with at least the second embodiment, but the present invention is not limited to this, and the third embodiment can be implemented alone. Further, the third embodiment can be combined with the first embodiment in addition to the second embodiment.

  According to the third embodiment, when a plurality of payment methods can be used, the priorities of the payment methods are displayed in order of priority, thereby improving the convenience when the user selects a payment method. Can be obtained. In addition, by selecting a payment method with a high priority, the user can shorten the time for considering which payment method to use, and the effect of smooth payment processing can be obtained. Since the priority is given to the available payment means, it is possible to reduce the number of times the user is troubled with the selection of the payment means, and the processing load on the terminal 120 due to repeated selection of the payment means in vain The amount of communication data with the payment system required for starting the payment means can be reduced.

<Functional Configuration of Third Embodiment>
(1) Functional configuration of server Since the functional configuration of the server 110 is the same as that of the second embodiment, description thereof is omitted.

(2) Functional configuration of terminal The functional configuration of the terminal 120 will be described with reference to FIG. The communication unit 322 functions as an acquisition unit that acquires, from the server 110, information indicating a plurality of payment methods associated with priorities. The display control unit 323 has a function of displaying on a display a screen (hereinafter referred to as “settlement means display screen”) that displays a plurality of settlement means acquired by the communication unit 322 in association with priority. Note that this screen may be called a payment means selection screen because it is also a screen for accepting selection of payment means from the user. The input / output unit 321 receives a selection of a payment method used for payment from the user on the payment method display screen. Other points that are not particularly mentioned may be the same as those in the second embodiment. Further, when the third embodiment is implemented alone, the position measuring unit 324 is not necessary. Further, the function of receiving short-range radio in the communication unit 322 is also unnecessary.

<Display Mode Related to Settlement Display Screen of Third Embodiment>
Subsequently, a plurality of display modes related to the settlement means display screen will be described.

(1) Display mode 1
The display control unit 323 may display a plurality of payment means arranged in the same direction in descending order of priority on the payment means display screen. For example, as shown in FIG. 12A, a plurality of settlement means icons (areas) may be displayed side by side from the top to the bottom of the screen in descending order of priority. Similarly, the screens may be displayed side by side from the bottom to the top of the screen in descending order of priority, or from the left (or right) to the right (left) of the screen in descending order of priority. They may be displayed side by side.

  Further, the display control unit 323 may display the settlement means icon so that the distance between one side of the settlement means display screen and the settlement means icon is closer (or farther) as the priority is higher. . The display control unit 323 may display the settlement means icon so that the distance between one side of the settlement means display screen and the settlement means icon is proportional (or inversely proportional) to the priority.

(2) Display mode 2
The display control unit 323 may display an icon corresponding to each of the plurality of payment means on the payment means display screen so that the display area becomes larger as the priority of the payment means is higher. A specific example is shown in FIG. Note that the display area of the icon is not limited, and as an example, if the display area of the icon of the payment method with the highest priority is 1, the display area of the icon may be decreased at a predetermined rate each time the priority is decreased by one. Good. For example, when the predetermined ratio is 0.8, the display area of the icon of the payment method with the highest priority is 1, the display area of the icon of the payment method with the next highest priority is 0.8, The display area of the icon of the payment means with the next highest priority may be 0.64.

  Moreover, as shown in FIG.12 (c), the display control part 323 may display the payment means display screen containing both the display mode 1 and the display mode 2. FIG. In the example of FIG. 12C, the icons of a plurality of settlement methods are arranged from the lower part of the screen in the order of higher priority, and the icon display area decreases as the priority order decreases. It is displayed as follows.

(3) Display mode 3
The display control unit 323 displays one or a part of the plurality of payment means having a continuous priority among the plurality of payment means on the payment means display screen, and the payment means display screen is swiped to display the payment means display. One or a part of the settlement means displayed on the screen may be switched. A specific example is shown in FIG. FIG. 13A shows an example in which there is one “one or a part of payment means with continuous priority”, and FIG. 13B shows “one with continuous priority”. Or, an example in which there are three “partial payment means” is shown.

  Note that the display control unit 323 sets the number of “partial payment means having consecutive priorities” to an odd number, and among the plurality of payment means displayed on the payment means display screen, the priority is a median value. You may display so that the area of the icon of a certain payment means may become the largest. For example, as shown in the right diagram of FIG. 13B, when the payment means with priority levels 1 to 3 are displayed on the screen, the area of the icon of the payment means with priority level 2 is maximized. May be. As another example, when settlement means with priority levels 4 to 8 are displayed on the screen, the area of the icon of the settlement means with priority level 6 may be maximized.

  In addition, one of a plurality of payment means is displayed on the payment means display screen, and the payment means displayed on the payment means display screen in response to the user's operation on the payment means display screen is displayed before the operation. The settlement unit may be switched to a settlement unit that has a lower priority than the settlement unit before the operation. For example, when the payment method display screen on the left side of FIG. 13 (a) is swiped from right to left, as shown on the right side of FIG. 13 (a), a payment method with a lower priority may be displayed. Good.

  In addition, on the settlement means display screen, two or more settlement means having consecutive priorities among a plurality of settlement means are displayed in a mode in which the area becomes larger as the priority is higher, and the user can operate the settlement means display screen. In response, at least a part of the two or more payment means may be displayed in such a manner that the area becomes smaller as the priority is higher. For example, when the payment method display screen on the left side of FIG. 13 (b) is swiped from right to left, as shown on the right side of FIG. 13 (b), the icon of the payment method with priority 1 is displayed in a small area. You may do it.

  Display mode 1 and display mode 2 described above may be combined, display mode 1 and display mode 3 may be combined, or display mode 2 and display mode 3 may be combined.

  1 communication system, 110 server, 110A server, 110B server, 120 terminal, 120A terminal, 120B terminal, 120C terminal, 120X terminal, 130 network, 200 information processing device, 201 processor, 202 memory, 203 storage, 204 input / output interface ( Input / output I / F), 205 communication interface (communication I / F), 311 communication unit, 312 position specifying unit, 313 payment method specifying unit, 314 payment method notification unit, 315 storage unit, 316 priority determination unit, 321 input Output unit, 322 communication unit, 323 display control unit, 324 position measurement unit, 325 storage unit

Claims (7)

An information processing method executed by a second information processing apparatus that communicates with a first information processing apparatus used by a user,
A specifying step of specifying a plurality of settlement means that can be used for settlement using the third information processing apparatus that accepts settlement from the first information processing apparatus and the first information processing apparatus;
A determination step for determining a priority based on a predetermined criterion for each of the plurality of settlement means specified;
Seen containing a plurality of payment means identified, a display step of displaying on the first information processing apparatus and the determined priorities in association, a,
The determining step determines the priority of each of the plurality of payment means so that the priority becomes higher in the order of payment means used by one or more users having a predetermined relationship with the user in the order of use frequency. Including an information processing method.   2. The determination step according to claim 1, wherein the determining step includes determining a priority of each of the plurality of settlement means so that a priority becomes higher in order of a settlement means having a higher use frequency in the third information processing apparatus. Information processing method. The one or more users, the users and closeness of the plurality of users in a predetermined relationship is more user predetermined degree, information processing method according to claim 1 or 2. The intimacy is the period from when the predetermined relationship is established to the present, the length of time within a predetermined range from the user's location, the number of common users in the predetermined relationship, or the user's The information processing method according to claim 3 , wherein the information processing method is determined based on a degree of similarity between an attribute and each attribute of a plurality of users having a predetermined relationship with the user. The information processing method according to any one of claims 1 to 4 , further comprising: determining a priority of each of the plurality of settlement means in response to an operation for determining the priority of the user. An information processing apparatus that operates as a second information processing apparatus that communicates with a first information processing apparatus used by a user,
A specifying unit for specifying a plurality of payment means that can be used for payment using the third information processing device that receives payment from the first information processing device and the first information processing device;
A determination unit that determines a priority based on a predetermined criterion for each of the plurality of settlement means identified;
A notification unit that associates the plurality of identified payment means with the determined priority and notifies the first information processing apparatus ;
The determining unit determines the priority of each of the plurality of payment means so that the priority becomes higher in the order of payment means used by one or more users having a predetermined relationship with the user, Information processing device. In the second information processing apparatus that communicates with the first information processing apparatus used by the user,
A specifying step of specifying a plurality of settlement means that can be used for settlement using the third information processing apparatus that accepts settlement from the first information processing apparatus and the first information processing apparatus;
A determination step for determining a priority based on a predetermined criterion for each of the plurality of settlement means specified;
Performing a notification step of associating the plurality of identified settlement means with the determined priority and notifying the first information processing apparatus ;
The determining step determines the priority of each of the plurality of payment means so that the priority becomes higher in the order of payment means used by one or more users having a predetermined relationship with the user in the order of use frequency. Including the program.