JP2019016389A - Display control program, terminal, and display control method - Google Patents

Abstract

To provide a program, a terminal, and a method for appropriately displaying information relating a plurality of settlement methods used by a user.SOLUTION: In a settlement information display system S, a user terminal 12 which is a terminal capable of communicating with a server, comprises: a display part 91; an acquisition part 931 for, on the basis of authentication of identification information for identifying the user terminal 12 or a user of the user terminal 12, acquiring information indicating a charge amount of a first payment method of a prepaid method, information indicating a use amount of a second payment method different from the first payment method, and information indicating a balance of points given to the user on the basis of use of service using the first payment method, the second payment method, and the user terminal 12 which are integrated and managed from an electronic currency management device 10; and a display control part 932 for, on the basis of the information acquired by the acquisition part 931, causing a display part 91 to display a display screen for displaying the charge amount and the balance of the points and a display screen for displaying the use amount of the second payment method according to a user operation.SELECTED DRAWING: Figure 9

Description

  The present invention relates to a display control program, a terminal, and a display control method for displaying settlement information associated with a user.

  Conventionally, balances of electronic currency such as credits, points and coupons having a monetary value are managed in a computer, and a user can grasp the balance of electronic currency and the like via the computer. As such a management system, for example, Patent Document 1 discloses a method of displaying information related to settlement using a card when the card is read.

Japanese Patent Application Laid-Open No. 07-073247

  By the way, it is required to appropriately display information on a plurality of settlement methods used by the user.

  The present invention has been made in view of such a demand, and an object thereof is to provide a display control program, a terminal, and a display method that appropriately display information on a plurality of settlement methods used by a user.

  In the first aspect of the present invention, the terminal uses information indicating the charge amount of the first payment method of the prepaid method based on authentication of identification information for identifying the terminal or a user of the terminal, and the first payment. Information that indicates the usage amount of the second settlement method different from the method, the first settlement method, the second settlement method, and the use of the service using the terminal, are given to the user, and are managed in an integrated manner An acquisition unit that acquires information indicating a balance of points from a server; a first screen that displays the charge amount and the balance of points based on the information acquired by the acquisition unit; and the second settlement method. A display control program that functions as a display control unit that displays a second screen that displays the usage amount on a display unit included in the terminal in accordance with a user operation.

  In addition, the points may be given based on a fixed amount in which the amount is fixed among the usage amounts of the second settlement method.

  The points may be given based on use of a communication service using the terminal included in a service using the terminal.

  In addition, the display control unit may display, as the usage amount of the second settlement method, a fixed amount in which the payment amount is fixed and an unconfirmed amount in which the payment amount is not fixed on the second screen.

  In the second aspect of the present invention, the first payment method of the prepaid method is a terminal communicable with the server, based on authentication of the display unit and identification information for identifying the terminal or the user of the terminal. Based on the information indicating the charge amount, the information indicating the usage amount of the second settlement method different from the first settlement method, the first settlement method, the second settlement method, and the use of the service using the terminal An acquisition unit that acquires from the server information indicating the balance of points that is given to the user and managed in an integrated manner, and displays the charge amount and the balance of the points based on the information acquired by the acquisition unit A terminal is provided that includes a first control screen and a display control section that displays a second screen for displaying a usage amount of the second settlement method on the display section in response to a user operation.

  In the third aspect of the present invention, the terminal that can communicate with the server has information indicating the charge amount of the first payment method of the prepaid method based on authentication of identification information for identifying the terminal or the user of the terminal. , Which is given to the user based on information indicating the usage amount of the second payment method different from the first payment method, and the use of the service using the first payment method, the second payment method, and the terminal. Acquiring the information indicating the balance of points managed from the server, and the terminal displays the charge amount and the balance of the points based on the information acquired in the acquiring step Displaying the first screen and a second screen for displaying a usage amount of the second settlement method on a display unit included in the terminal according to a user operation. The law provides.

  ADVANTAGE OF THE INVENTION According to this invention, the information regarding the some payment method which a user uses can be displayed appropriately.

It is a figure which shows the outline | summary of an electronic currency management system. It is a figure which shows the system configuration | structure of an electronic currency management system. It is a figure which shows the information managed by a card management server and a carrier server. It is a figure which shows the information managed with a point management server. It is a figure which shows the operation | movement at the time of purchasing goods using a card | curd. It is a figure which shows the operation | movement at the time of purchasing goods using a user terminal. It is a figure which shows the operation | movement at the time of giving a point with respect to a user. It is a figure which shows the operation | movement at the time of providing a user specific service with respect to a user. It is a block diagram which shows the function structure of a user terminal and an electronic currency management apparatus. It is a figure which shows the example of a display screen of a user terminal. It is a figure which shows the operation example at the time of switching the display screen of a user terminal. It is a flowchart which shows the flow of a process of a user terminal.

[Outline of Electronic Currency Management System S]
First, an outline of the electronic currency management system S will be described with reference to FIG. As shown in FIG. 1, the electronic currency management system S includes a user's mobile phone (hereinafter referred to as “user terminal 12”) and an electronic currency management apparatus 10 accessible by the user terminal 12. . In the electronic currency management system S, the user owns a credit card and a prepaid card (hereinafter collectively referred to as “card 11”), and the electronic currency management apparatus 10 determines the usage status of the card 11, The user terminal 12 can be confirmed.

Here, the user wants to confirm the usage amount of the card 11, for example, the total usage amount of the card 11 for one month or the billing amount of the next month of the credit card. In the electronic currency management apparatus 10, a history suitable for the usage situation that the user desires to check is acquired from the usage history of the card 11 and provided to the user terminal 12. Specifically, when the user desires the total usage amount of the card 11 for one month, the electronic currency management apparatus 10 sets the card 11 as a period (hereinafter referred to as “counting period”) from the beginning of the month to the end of the month. When the user wishes to confirm the billing amount for the next month, the electronic currency management apparatus 10 determines the period from the day after the billing closing date of the previous month of the credit card to the billing closing date of the current month (hereinafter, The usage history of the card 11 is acquired as a “billing period” and provided to the user terminal 12.
Thereby, the user can confirm the utilization condition of the card | curd 11 which he wants appropriately. Hereinafter, an example of a specific configuration for realizing the electronic currency management system S will be described.

[System configuration of electronic currency management system S]
FIG. 2 is a diagram showing an example of the system configuration of the electronic currency management system S. As shown in FIG. As shown in FIG. 2, the electronic currency management system S includes a user device 1 and an electronic currency management device 10 accessible by the user device 1. The electronic currency management apparatus 10 includes a card management server 2, a carrier server 3, and a point management server 4.

  The user device 1 is a device used by each user who uses a service provided by the electronic currency management system S, and includes a card 11 and a user terminal 12.

  The card 11 is a card that performs payment using the international brand payment NW50, and is a credit card that can be used for payment after credit card payment, or payment of the usage amount based on a precharged amount. It is a prepaid card that can perform the payment, or a postpay card that postpays the charge amount. As the card 11, an integrated card that can select any of these payment methods may be used.

  The user terminal 12 is a communication device that performs communication (call) via a communication NW provided by a communication carrier, and is, for example, a mobile phone, a smartphone, a tablet PC, or the like. A predetermined application program is installed in the user terminal 12, and the card 11 can be managed from the user terminal 12 through an application executed based on the program.

  The card management server 2 is a server that manages, for each user, a usage history corresponding to a prepaid payment and a usage history corresponding to a credit card payment method as a usage history of the card 11. Here, FIG. 3A and FIG. 3B show examples of various information stored in the card management server 2. FIG. 3A shows an example of information stored in the card management server 2 in accordance with the prepaid payment, and FIG. 3B shows information stored in the card management server 2 in accordance with the credit card payment method. An example is shown.

  As shown in FIG. 3A, the card management server 2 stores various information such as a prepaid card number, a balance, and a usage history in association with the management number. As shown in FIG. 3B, the card management server 2 stores various information such as a credit card number, a billing deadline, and a usage history in association with the management number. Hereinafter, when both the prepaid card number and the credit card number are indicated, they are simply referred to as “card number”.

  The card number is a number consisting of approximately 16 digits of alphanumeric characters set in the card 11 and is identification information for identifying the card 11. The management number is a number uniquely corresponding to the card number, and is used to identify the card 11 instead of the card number when linking with another server. The balance is information indicating the balance of the amount charged in the account designated by the prepaid card number set in the card 11. The billing deadline is a date for summing up the credit card usage amount, and is used to specify the billing period. The use history is a history of shopping using the card 11, and includes a use date using the card 11, a product / service to be purchased, a use amount, a purchase place (store name), and the like.

Here, in the payment using a credit card, after the use frame is secured, the store performs the sales process to perform the payment. Since it is common for a predetermined number of days to deviate from the time when the usage frame is secured to when payment processing is performed, the amount at the time of using the credit card is the amount at the time of payment processing. And may be different.
Therefore, as shown in FIG. 3B, the credit card usage history includes the usage date when the credit card is used, the provisional amount which is a provisional value of the usage amount, and the processing date when the sales process is performed at the store. , And a fixed amount that is a definite value of the usage amount.

  Returning to FIG. 2, the carrier server 3 is a server used by the communication carrier, and manages a usage history related to the use of the user terminal 12. The use of the user terminal 12 includes, for example, the use of content or merchandise purchase using the user terminal 12 and communication charges. The carrier server 3 calculates a charge amount based on the usage history of the user terminal 12 and charges the user.

  The carrier server 3 also functions as an entrance (portal) for providing services in the electronic currency management system S to the user terminal 12. For example, in response to a request from the user terminal 12, the carrier server 3 sends information related to the card 11 (for example, the balance of the charge amount of the prepaid card and the charge amount within a predetermined period of the credit card) from the card management server 2. Acquire and notify the user terminal 12. Similarly, the carrier server 3 acquires points associated with the user ID from the point management server 4 and notifies the user terminal 12 of the remaining number of points.

Here, FIG. 3C illustrates an example of various information managed in the carrier server 3. As shown in FIG. 3C, the carrier server 3 stores various information such as the telephone number, billing amount, usage history, contract ID, and contractor name of the user terminal 12 in association with the user ID.
The user ID is identification information for identifying the user terminal 12 or a user who uses the user terminal 12. The telephone number is a telephone number set for the user terminal 12 that is a communication terminal.

  The billing amount is an amount billed to the user as the user terminal 12 is used, and includes, for example, a communication fee and a usage fee for the content used on the user terminal 12. Depending on the communication carrier, not only a mobile phone but also a complex service such as a fixed telephone or cable TV may be provided to the user. Therefore, the billed amount is provided to the user indicated by the user ID. You may include charges for the services you have. The usage history is a history related to the payment used by the user terminal 12 and includes the type of usage mode (for example, content usage fee, communication fee, etc.) and the date and time when the charge occurred.

The contract ID is identification information for identifying a contract made with a communication carrier, and is information indicating that the contractor has made the contract. Communication carriers sometimes charge communication charges collectively within the same person or family. The contract ID and the contractor name are information for discriminating a range in which charges for communication charges are collected and a target for charging the collected communication charges.
Although not shown, the carrier server 3 has paid information related to the contract such as the contract deadline and contract date and time of the user terminal 12 and the amount charged according to the use of the user terminal 12 in association with the user ID. Information on payment of communication charges such as being delayed may be stored.

Returning to FIG. 2, the point management server 4 acquires the usage history of the card 11 managed by the card management server 2 and the usage history of the user terminal 12 managed by the carrier server 3 and gives them to the user based on the usage history. Manage points. Specifically, the point management server 4 uses points given based on the use of the card 11 (for example, shopping using the card) and the use of the user terminal 12 (for example, purchase of contents or payment of communication charges). Based on the points given on the basis of management, the points are managed in association with each other.
Here, examples of various information managed in the point management server 4 are shown in FIGS. 4 (A) and 4 (B).

  As shown in FIG. 4A, the point management server 4 stores various types of information such as date and time, usage history, fixed points, temporary points, and total points in association with the management number and user ID. The user ID is identification information for identifying a user who uses the user terminal 12, and is used when linking with the carrier server 3. The management number is a number uniquely corresponding to the card number, and is used when linking with the card management server 2. The date and time is the date and time when a point was given with the use of the card 11 or the user terminal 12, or the date and time when the given point was used. Further, the usage history indicates a history regarding the grant of points or a history regarding the use of points.

Further, the confirmed points and provisional points are based on the usage history of the card 11 acquired from the card management server 2 and the charge amount acquired from the carrier server 3, or the number of points given to the corresponding user or used by the user This is information indicating the number of points obtained. The fixed points are points given based on the fixed amount or points used by the user, and the temporary points are points given based on the provisional amount. The total point is the total number of points given to the user, and indicates the total number of fixed points, the total number of temporary points, and the total number of fixed points and temporary points.
In the case of the example shown in FIG. 4A, the user ID “TARO97” is given a total of “880P” for the confirmed points as the card 11 and the user terminal 12 are used, and is given a total of “170P” for the temporary points. In addition, “1050P” is given together with the fixed point and the temporary point.

  Further, as shown in FIG. 4B, the point management server 4 stores a point grant rate for calculating points to be granted based on the usage amount and the billing amount in association with the usage form. As a usage form, the use of the card 11 or the user terminal 12 can be considered, but besides these, depending on whether the store using the card 11 is a normal store or a point preferential store, the rate It is good also as making it differ. Information indicating a store using the card 11 can be acquired by receiving a use history from the card management server 2.

  Note that the point management server 4 may be changed to a state where points cannot be used when the contract with the service provider using the user terminal 12 is canceled. For example, it is assumed that a communication carrier provides a communication service using the user terminal 12 and gives a point corresponding to the communication fee to the user of the user terminal 12. In this case, when the point management server 4 obtains information from the carrier server 3 that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 deletes the points stored in association with the user terminal 12. It is good. Further, when the point management server 4 obtains information that the user of the user terminal 12 has canceled the contract with the communication carrier, the point management server 4 may store the point balance with a flag indicating that points cannot be used. . In this case, when the point management server 4 receives a notification that the contract has been resumed within a predetermined period after canceling the contract, the point management server 4 can use the points by changing the above flag. Good.

  In the electronic currency management system S configured as described above, information relating to the user's payment is provided to the user terminal 12 while the card management server 2, the carrier server 3, and the point management server 4 are linked. Specifically, in the electronic currency management system S, the management number is associated with both the card number and the user ID, and the use of the card 11 and the use of the user terminal 12 are linked using this management number, Information related to the card 11, information related to the user terminal 12, and information related to the given points are integrated and managed. And when there exists a request | requirement from the user terminal 12, the utilization condition of the card | curd 11 which a user desires can be provided appropriately by providing payment information using the integrated information.

[Operation of Electronic Currency Management System S]
The configuration of the electronic currency management system S has been described above. Next, the basic operation of the electronic currency management system S will be described with reference to FIGS.

[Operation when card 11 is used]
First, with reference to FIG. 5, an operation when making a payment using the card 11 will be described. The card 11 can be used in an actual store or a virtual store on the Internet.
In step S <b> 11, along with the use of the card 11, the payment NW 50 provided by the international brand is notified of the card number of the card 11 and information related to product purchase. For example, when purchasing a product in an actual store, the card 11 is read via a card reader, so that the information on the card 11 is notified to the settlement NW 50. By transmitting the information, the information on the card 11 is notified to the settlement NW 50. The product purchase information is, for example, information such as purchase date / time, usage amount, purchased product, purchased store, and the like.

  When a predetermined settlement process is performed in the settlement NW 50, in step S12, the card N and information related to product purchase are notified from the settlement NW 50 to the card management server 2. As shown in FIGS. 3A and 3B, the card management server 2 manages various information in association with each of the credit card number and the prepaid card number, When the information related to the purchase of the product or service is received, the usage history corresponding to the information is added to the usage history corresponding to the settlement method related to the received card number.

For example, when a prepaid card is used, in step S13A, the card management server 2 subtracts the purchase amount from the balance associated with the received prepaid card number and adds a usage history.
If a credit card is used, in step S13B, the card management server 2 updates the usage history of the received credit card number. Specifically, when the card management server 2 receives a request for securing a usage frame from a store, the card management server 2 adds a provisional amount together with the timing (the usage date in FIG. 3B) when the request is received as a usage history. Moreover, when the card management server 2 accepts the sales process from the store, the card management server 2 adds the fixed amount together with the timing (the processing date in FIG. 3B) when the process is accepted as the usage history.

  Subsequently, in step S15, the card management server 2 notifies the point management server 4 of information related to product purchase together with the management number specified in step S14. The point management server 4 updates the points associated with the user ID corresponding to the management number based on the acquired information related to product purchase.

[Operation when using the user terminal 12]
Next, with reference to FIG. 6, an operation when making a payment using the user terminal 12 will be described. In a communication carrier, a so-called carrier settlement method is known in which a service usage fee is charged together with a communication fee of the user terminal 12. FIG. 6 shows an operation example when carrier settlement is performed.
When the user desires to use the paid service in the user terminal 12 and perform the payment for the service by carrier payment, in step S21, the user terminal 12 associates the information on the use of the user terminal 12 with the user ID and the carrier. The server 3 is notified. The information related to the use of the user terminal 12 is information such as the date and time when the service is used, the service usage fee, the service used, and the like.

  As shown in FIG. 3 (C), the carrier server 3 manages various types of information in association with the user ID, and receives the user ID that has made the carrier payment and the information on the use of the user terminal 12 when receiving the user ID. The usage history corresponding to the information is added to the usage history corresponding to the user ID. For example, in step S <b> 22, the carrier server 3 adds the service usage fee to the billing amount associated with the received user ID, and adds the used service name and usage date to the usage history.

  Subsequently, in step S <b> 23, the carrier server 3 notifies the point management server 4 of information regarding the use of the user terminal 12 together with the user ID. The point management server 4 updates the points associated with the user ID based on the acquired information.

[Operation when points are given]
Next, with reference to FIG. 7, an operation when a point is given to the user will be described. As described above, in the electronic currency management system S of the present embodiment, points are given according to the purchase of products etc. using the card 11 (prepaid card and credit card) and also depending on the use of the user terminal 12. Give points.

  In the case where points are given in accordance with the purchase of a product using the card 11, the point management server 4 acquires information related to product purchase from the card management server 2 together with the management number in step S 31. Then, in step S32, the point management server 4 specifies a rate according to the store where the product is purchased, and calculates a point according to the usage amount based on the rate. Note that the processes in steps S31 and S32 are performed each time the user purchases a product using the card 11.

  Here, as described above, the points to be given according to the use of the credit card include a confirmed point and a provisional point. In this regard, when only the provisional amount is set as the credit card usage history, the point management server 4 calculates provisional points based on the provisional amount. On the other hand, when a fixed amount is set as the credit card usage history, the point management server 4 calculates a fixed point based on the fixed amount.

When the points corresponding to the usage amount are calculated, in step S35, the point management server 4 adds the calculated points to the points stored in association with the user ID corresponding to the management number.
If the usage amount is confirmed after provisional points corresponding to the provisional amount (unconfirmed usage amount) are granted, the point management server 4 deletes the provisional points that were granted before the usage amount was confirmed. In addition, a fixed point corresponding to the fixed amount is given to the user.

Further, when points are given according to the use of the user terminal 12, the point management server 4 acquires a billed amount together with the user ID from the carrier server 3 in step S <b> 33. Then, in step S34, the point management server 4 calculates points according to the billed amount based on a predetermined rate. Note that the processing of step S33 and step S34 is performed at the timing when the amount charged is determined (for example, at the end of the month).
When the point corresponding to the amount charged is calculated, in step S35, the point management server 4 adds the calculated point to the point stored in association with the user ID.

[Operations when providing services to users]
Next, with reference to FIG. 8, an operation when providing a service unique to the user to the user who uses the electronic currency management system S will be described.

  When the user terminal 12 accesses the carrier server 3 with the user ID in step S41, the carrier server 3 notifies the point management server 4 of the user ID in step S42. In step S43, when the point management server 4 acquires information related to the service corresponding to the notified user ID and notifies the carrier server 3, the service is provided from the carrier server 3 to the user terminal 12 in step S44. Is done.

  The service corresponding to the user ID is, for example, a service that makes it possible to check the usage history of the card 11 owned by the user. As will be described in detail later, the point management server 4 can check the usage history of the prepaid card and the usage history of the credit card individually, and can also check the usage history integrating both the prepaid card and the credit card. To do.

[Embodiment]
The display device of the present invention is suitably used in the electronic currency management system S described above. Hereinafter, an example of an embodiment for realizing the display device of the present invention will be described.

[Configuration of Electronic Currency Management System S]
First, the configuration of the electronic currency management system S will be described with reference to FIG. As shown in FIG. 9, the electronic currency management system S includes an electronic currency management device 10 that manages payment information for each user, and a user terminal 12 that displays payment information to the user. The electronic money management apparatus 10 may be realized by any one of the card management server 2, the carrier server 3, and the point management server 4, and the card management server 2, the carrier server 3, and It may be realized by the cooperation of the point management server 4.

  The electronic currency management apparatus 10 includes a point storage unit 71 and a card information storage unit 72.

The point storage unit 71 associates identification information (user ID or management number) identifying a user who uses the service with points given to or used by the user and time information when the point was given or used. Remember. Specifically, the point storage unit 71 provides the user with the points given to the user by using the prepaid card, the points given to the user by using the credit card, and a transaction that uses neither the prepaid card nor the creto card. The granted points and the points used by the user are stored.
The information stored in the point storage unit 71 corresponds to the information stored in the above-described point management server 4 (FIG. 4A).

Note that the points given in response to transactions that do not use either a prepaid card or a credit card include, for example, points given in accordance with carrier payments used by the above-described user terminal 12 and the user ID. It is good also as including the point given according to the given arbitrary transactions, and it is good also as including the point given free of charge regularly (once a day), such as a store visit point.
In addition, since it takes time until the amount is confirmed when using a credit card, the point storage unit 71 is given based on the confirmed amount of the billed amount as a point given to the user by using the credit card. It is good also as memorize | storing the fixed point and the provisional point provided based on the provisional amount of billing amount.

The card information storage unit 72 stores a prepaid card charge balance and usage history, a credit card billing due date (or billing period), and a usage history in association with identification information for identifying a user who uses the service. The usage history of the prepaid card and the credit card includes the usage date of the card 11, the product / service to be purchased, the usage amount, the purchase place (store name), etc., and the usage history of the credit card. , Whether or not the usage amount is fixed, and the date (processing date) when the usage amount is fixed.
The information stored in the card information storage unit 72 corresponds to the information stored in the card management server 2 (FIGS. 3A and 3B). 3A and 3B, the information on the card 11 is managed based on the management number. This management number is associated with the user ID as shown in FIG. 4A. Therefore, it can be said that the card management server 2 stores information related to the card 11 in association with identification information (user ID) for identifying the user.

Returning to FIG. 9, the user terminal 12 corresponds to the display device of the present invention, and includes a display unit 91, a storage unit 92, and a control unit 93.
The display unit 91 is configured by a liquid crystal display, an organic EL (Electro-Luminescence) display, or the like, and displays settlement information according to the type of the card 11 used by the user based on the control of the control unit 93. The display unit 91 is provided with a touch panel 911 and receives a user operation.

The storage unit 92 is a memory such as a ROM and a RAM, or a storage medium such as a hard disk. The storage unit 92 stores a program for operating the control unit 93 and data generated when the control unit 93 operates.
The control unit 93 is, for example, a CPU, and functions as an acquisition unit 931, a display control unit 932, and a determination unit 933 by executing a program stored in the storage unit 92.

The acquisition unit 931 acquires information stored in association with the user of the user terminal 12. Specifically, the acquisition unit 931 collects the usage history of each prepaid card and credit card owned by the user, the billing period for charging for the use of the credit card, and the usage amount of the prepaid card and the credit card. Acquires the history aggregation period.
As described above, the use history of the prepaid card and the credit card includes the use date using the card 11, the product / service to be purchased, the use amount, the purchase place, and the like. In addition, the credit card usage history includes, in addition to the usage date (first time information) using the credit card, the processing date (second time information) on which the payment processing for the credit card usage is performed, and the usage amount. It includes a confirmed history that has been confirmed and an unconfirmed history in which the usage amount is not yet confirmed.

  The credit card billing period can be obtained based on the billing deadline stored in the card information storage unit 72 of the electronic currency management apparatus 10. For example, the acquisition unit 931 acquires the billing period from the day after the billing closing date of the previous month to the billing closing date of the current month. Moreover, the total period of a prepaid card and a credit card is a period of one month etc. in which the usage amount of the card 11 used by the user is totaled, for example, and is acquired based on the user's operation.

  The usage status of the card 11 that the user wants to grasp may be, for example, the amount charged for the next month of the credit card or the total usage amount of the card 11 for a predetermined period such as one month. The total usage amount of the card 11 for one month is the period from the beginning of the month to the end of the month, while the billing amount for the next month is determined based on the billing deadline. Become. For this reason, the billing period and the counting period are different, for example, when the billing amount for the next month of the card 11 (billing period) and the total usage amount for the current month (counting period) are provided to the user. The period will be different. The user terminal 12 displays the usage status of the card 11 desired by the user on the display unit 91 by controlling the display based on the billing period or the counting period.

The display control unit 932 displays a display screen for displaying the payment information of the card 11 on the display unit 91 based on various information acquired by the acquisition unit 931. Specifically, the display control unit 932 displays a display screen 200 that displays prepaid card settlement information, a display screen 220 that displays credit card settlement information (first screen), or both prepaid card and credit card settlement information. A display screen 240 (second screen) for displaying is displayed on the display unit 91.
An example of the display screen displayed on the display unit 91 is shown in FIG. 10A is an example of the display screen 200, FIG. 10B is an example of the display screen 220, and FIG. 10C is an example of the display screen 240.

  As shown in FIG. 10A, the display screen 200 includes a card balance display 201 indicating the balance of the amount charged to the prepaid card and a point number display 202 indicating the number of points given to the user. Further, as shown in FIG. 10B, the display screen 220 includes a billing amount display 221 that indicates a scheduled billing amount for the next month associated with the use of a credit card, and a past billing amount display 222 that indicates a history of past billing amounts. And a point number display 223 indicating the number of points owned by the user.

As shown in FIGS. 10A and 10B, a display screen 200 for displaying prepaid card settlement information and a display screen 220 for displaying credit card settlement information include a card balance display 201 and a billed amount. Although the display with the display 221 is different, the point number displays 202 and 223 indicating the number of points owned by the user are common. That is, the number of points owned by the user (the number of points obtained by subtracting the total of points used by the user from the total of points given to the user) is displayed on both display screens.
Points can be used for payments like prepaid card charge balances and can be assigned to payments, so the points you own are integrated and displayed regardless of the payment type that triggered the points. By doing so, it is preferable for the user because the amount (points) that can be used for settlement can be grasped centrally.

  The number of points displayed together with the payment information of the prepaid card or credit card may be the total number of fixed points, the total number of fixed points and temporary points, or the total number of fixed points and temporary points. Each may be the total number of points. In the case of the example shown in FIG. 10, the point number displays 202 and 223 indicate the total number of confirmed points.

As shown in FIG. 10C, the display screen 240 includes a period selection unit 241, a usage amount display 242, and a history display 243.
The period selection unit 241 is an operation unit for selecting a total period in which the usage amount of the card 11 is totaled. The acquisition unit 931 acquires the period selected by the user via the period selection unit 241 as the aggregation period. The usage amount display 242 indicates the total usage amount of the card 11 during the counting period. The usage amount display 242 displays the total usage amount of the card 11 (both prepaid card and credit card), displays the total usage amount of the prepaid card in the same counting period, and the total usage amount of the credit card in the counting period. Includes a usage amount display 242A. The history display 243 indicates the usage history of the card 11 during the counting period, for example, usage date, usage location, used card type, usage amount, purchased product, and the like.

The display control unit 932 displays the display screen 220 shown in FIG. 10B based on the usage history within the billing period out of the credit card usage history acquired by the acquisition unit 931, and the credit acquired by the acquisition unit 931. A display screen 240 shown in FIG. 10C is displayed based on the usage history within the counting period among the usage histories of the card and the prepaid card.
Specifically, when the billing period is from the 21st of the previous month to the 20th of the current month, the display control unit 932 displays the sum of the credit card usage amount within the period as the billed amount display 221. 220 is displayed. Further, when the counting period is one month, the display control unit 932 displays a display screen 240 that displays the total usage amount of the credit card and the prepaid card from the beginning of the month to the end of the month as the usage amount display 242. .

As described above, the display screens 220 and 240 have different periods for summing up the usage amounts, and therefore, as shown in FIGS. 10A and 10B, the billing amount display 221 and the usage amount display 242A are different. Become.
From the viewpoint of the user, the amount to be paid the following month can be grasped from the bill amount display 221 and, for example, the amount used for one month can be grasped from the use amount displays 242 and 242A. Therefore, it is preferable.

  Here, in the settlement using a credit card, a predetermined number of days is generally different between the timing when the credit card is used and the timing when the settlement processing is performed. The amount that must be paid in the following month needs to be calculated based on the timing of settlement processing, while the amount used for one month is preferably calculated based on the timing of using a credit card.

Therefore, the display control unit 932 displays the display screen 220 as a charge amount display 221 by summing up the use amounts of the use histories whose settlement date is within the billing period among the credit card use histories. indicate. In addition, the display control unit 932 displays, among the credit card usage histories, the usage histories of the usage histories whose credit card usage dates are within the totaling period and the prepaid card usage histories within the totaling period. The total is displayed as a usage amount display 242 on the display screen 240.
From the user's point of view, even when the credit card usage date and processing date are different, it is possible to properly grasp the amount to be paid the next month and the amount used in one month, which is preferable. .

By the way, the display screen 240 displays the total usage amount of the card 11 within the counting period and can be used as a household account book. In such a display screen 240, it is important to make it possible to grasp the credit card usage date and the usage amount, and the degree of importance decreases whether the usage amount is fixed or not.
Therefore, when displaying the display screen 240, the display control unit 932 may display the total usage amount of the credit card and the prepaid card within the counting period regardless of whether or not the usage amount is fixed. At this time, the display control unit 932 may display the history display 243 by distinguishing the confirmed history and the unconfirmed history of the credit card usage history.

  On the other hand, on the display screen 220, it is important whether the usage amount is confirmed or unconfirmed in order to make it possible to grasp the amount to be paid the following month. Therefore, the display control unit 932 basically displays the display screen 220 without using the undetermined history of the credit card usage history, but the display screen is displayed using the undetermined history under certain conditions. 220 may be displayed.

In addition, the display control unit 932 displays the display screens 200, 220, and 240 in a switchable manner according to the operation input received from the user.
Here, FIG. 11 shows an operation example when the display screens 200, 220, and 240 are switched in accordance with the operation input received from the user. In the present embodiment, since the display unit 91 is provided with the touch panel 911, the display control unit 932 switches the display screens 200, 220, and 240 based on the user's slide operation.

  As an example, when the user performs a slide operation in the right direction while the display screen 200 is displayed on the display unit 91, the display control unit 932 displays the display on the display unit 91 from the display screen 200 to the display screen 220. When switching and sliding operation to the left are performed, the display control unit 932 switches the display of the display unit 91 from the display screen 200 to the display screen 240. Further, when the user performs a slide operation in the right direction while the display screen 220 is displayed on the display unit 91, the display control unit 932 switches the display of the display unit 91 from the display screen 220 to the display screen 240. When the leftward sliding operation is performed, the display control unit 932 switches the display on the display unit 91 from the display screen 220 to the display screen 200. Further, when the user performs a slide operation to the right while the display screen 240 is displayed on the display unit 91, the display control unit 932 switches the display on the display unit 91 from the display screen 240 to the display screen 200. When the leftward sliding operation is performed, the display control unit 932 switches the display on the display unit 91 from the display screen 240 to the display screen 220.

Returning to FIG. 9, the determination unit 933 determines whether or not to display the unconfirmed history of the credit card usage history on the display screen 220. Here, the determination method by the determination unit 933 is arbitrary, and as an example, the determination unit 933 can perform the determination based on a user instruction.
As another example, the determination unit 933 may perform the determination based on whether or not the use date of the unconfirmed history to be determined is within a predetermined range of the billing period. If the credit card usage date has sufficient time until the billing closing date, the payment processing may be performed by the billing closing date even if the payment processing has not yet been performed. In such a case, the determination unit 933 determines to display the unconfirmed history on the display screen 220 on the assumption that there is a possibility that it will be confirmed by the billing deadline even if it is unconfirmed.

Note that the predetermined range used for the determination condition can be arbitrarily set. As an example, a predetermined range may be set according to the user's selection.
The interval between the use date and the processing date is determined based on the timing at which the sales process is performed at the store where the credit card is used. Therefore, for example, a predetermined range may be set for each store where a credit card is used. Specifically, from the past credit card history, the interval from when the credit card is used for each store until the sales process is performed, and the timing at which the sales process is performed (for example, the sales process is performed on the 19th of each month). Etc.), a predetermined range is set for each store.

The determination by the determination unit 933 may be performed on the user terminal 12 side, or may be performed on the electronic currency management apparatus 10 side. That is, the determination unit 933 may be included in the user terminal 12 or may be included in the electronic currency management apparatus 10.
If the determination unit 933 determines that the undetermined history is to be displayed, the display control unit 932 displays the display screen 220 using the undetermined history. At this time, the display control unit 932 may display the confirmed history and the unconfirmed history in different modes. As an example, the display control unit 932 may display the bill amount display 221 so that the user can grasp the provisional amount included in the bill amount scheduled for the next month.

[Processing of user terminal 12]
Next, the flow of processing in the user terminal 12 will be described. FIG. 12 is a flowchart showing a process flow of the user terminal 12.
First, in step S101, the display control unit 932 of the user terminal 12 determines whether the display target screen is a prepaid screen (display screen 200). When this determination is YES, in step S102, the acquisition unit 931 acquires the charge balance of the prepaid card and the remaining number of points currently owned by the user from the electronic money management apparatus 10. Subsequently, in step S <b> 103, the display control unit 932 generates a display screen 200 that displays the payment information of the prepaid card based on the acquired information, and displays the display screen 200 on the display unit 91.

  On the other hand, if NO in step S101, in step S104, the display control unit 932 determines whether or not the display target screen is a credit screen (display screen 220). If this determination is YES, in step S105, the acquisition unit 931 acquires a billing deadline from the electronic currency management apparatus 10 and sets a billing period. Subsequently, in step S <b> 106, the acquisition unit 931 acquires, from the electronic currency management apparatus 10, the total amount charged for the set billing period, the amount charged in the past, and points. Subsequently, in step S <b> 107, the display control unit 932 generates a display screen 220 that displays credit card payment information based on the acquired information, and displays the display screen 220 on the display unit 91.

  On the other hand, in the case of NO in step S104, in step S108, the acquisition unit 931 acquires the display target month and sets it as the total period. The display target month is acquired based on the period selection unit 241 and is the current month in the initial state. Subsequently, in step S <b> 109, the acquisition unit 931 acquires a prepaid card and credit card usage history during the counting period from the electronic currency management apparatus 10. Subsequently, in step S <b> 110, the display control unit 932 generates a display screen 240 that displays the usage history of the card 11 and displays it on the display unit 91.

[Effects of user terminal 12]
According to the user terminal 12 described above, the display screen 220 is displayed based on the credit card usage history within the billing period out of the card 11 usage history, and the credit card and prepaid card usage history within the counting period is displayed. Based on this, the display screen 240 is displayed.
From the user's point of view, the billing amount for the next month of the credit card can be grasped from the display screen 220, and the total amount of the card 11 used for one month can be grasped from the display screen 240. Therefore, according to the user terminal 12, the usage status of the card 11 desired by the user can be appropriately displayed.

Further, in the user terminal 12, the usage history displayed on the display screen 220 is specified based on whether the processing date of the credit card is within the billing period, and the usage history displayed on the display screen 240 is credited. It is specified based on whether the card usage date is within the counting period.
Thereby, even if the credit card usage date and the processing date are different, the amount to be paid the following month and the amount used for one month can be appropriately displayed.

  In addition, when displaying the display screen 240, the user terminal 12 displays the total amount of the card 11 used within the period, regardless of whether or not the credit card usage amount is fixed. When the usage status of the card 11 is grasped like a household account, it is not related to whether or not the usage amount is fixed. Therefore, the usage status of the card 11 desired by the user can be appropriately displayed, which is preferable.

In the user terminal 12, when the display screen 220 is displayed, the display screen 220 is basically displayed without using the unconfirmed history of the credit card usage history. Thereby, it is possible to accurately grasp only the amount of money to be paid in the next month on the display screen 220, which is preferable.
On the other hand, the user terminal 12 may display an unconfirmed history on the display screen 220 based on the determination by the determination unit 933. For example, even if it is still unconfirmed, the usage amount that is highly likely to be confirmed by the billing deadline is displayed on the display screen 220, so that the user can accurately determine the amount to be paid in the following month. It can be grasped and is preferable.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. In particular, the specific embodiments of the distribution / integration of the devices are not limited to those illustrated above, and all or a part thereof may be added in arbitrary units according to various additions or according to functional loads. It can be configured functionally or physically distributed and integrated.

S: Settlement information display system, 1 ... User device, 11 ... Card, 12 ... User terminal, 91 ... Display unit, 911 ... Touch panel, 92 ... Storage unit, 93 ... Control unit, 931 ... Acquisition unit, 932 ... Display control unit, 933 ... Determination unit, 2 ... Card management server, 3 ... Carrier server, 4 ... Point management server DESCRIPTION OF SYMBOLS 10 ... Electronic currency management apparatus, 71 ... Point storage part, 72 ... Card information storage part, 50 ... Settlement NW

Claims (6)

Device
Based on authentication of identification information for identifying the terminal or the user of the terminal, information indicating a charge amount of the first payment method of the prepaid method and information indicating a usage amount of the second payment method different from the first payment method And acquiring from the server information indicating the balance of points given to the user based on the use of the first settlement method, the second settlement method, and the service using the terminal, and managed in an integrated manner Part and
Based on the information acquired by the acquisition unit, a first screen that displays the charge amount and the balance of the points and a second screen that displays the usage amount of the second settlement method are displayed according to a user operation. A display control unit to be displayed on a display unit included in the terminal;
Display control program to function as. The points are given based on a fixed amount of a fixed amount out of the usage amount of the second settlement method.
The display control program according to claim 1. The point is given based on the use of a communication service using the terminal included in the service using the terminal.
The display control program according to claim 1 or 2. The display control unit displays, as the usage amount of the second settlement method, a fixed amount with a fixed payment amount and an unconfirmed amount with a fixed payment amount on the second screen.
The display control program according to any one of claims 1 to 3. A terminal capable of communicating with a server,
A display unit;
Based on authentication of identification information for identifying the terminal or the user of the terminal, information indicating a charge amount of the first payment method of the prepaid method and information indicating a usage amount of the second payment method different from the first payment method And acquiring from the server information indicating the balance of points given to the user based on the use of the first settlement method, the second settlement method, and the service using the terminal, and managed in an integrated manner And
Based on the information acquired by the acquisition unit, a first screen that displays the charge amount and the balance of the points and a second screen that displays the usage amount of the second settlement method are displayed according to a user operation. A display control unit to be displayed on the display unit;
A terminal equipped with. A terminal communicable with the server is based on authentication of identification information for identifying the terminal or a user of the terminal, and information indicating a charge amount of the first payment method of the prepaid method and a second different from the first payment method Information indicating the amount used of the payment method, and the balance of points that are given to the user based on the use of the service using the first payment method, the second payment method, and the terminal, and are managed in an integrated manner Obtaining information from the server;
A first screen for displaying the charge amount and the balance of the points based on the information acquired in the acquiring step; and a second screen for displaying a usage amount of the second settlement method. Displaying on a display unit included in the terminal according to a user operation;
A display control method comprising:

Images